Breaking Points: Credit Card News

Marriott Bonvoy Boundless is offering 4 free night certificates (up to 50k points each) after spending $3,000 in 3 months. Each certificate can be topped up with up to 25,000 additional Bonvoy points. That’s up from their standard offer of 3 free night awards with the same spending requirement. Chase is also offering a $50 statement credit when spending $250 with airlines twice per year (once between 7/1/2026-12/31/2026 and again between 01/01/2027-6/30/2027). The annual fee is $95.

Bilt and Qatar Airways have launched a new partnership that allows members to pay rent with an eligible Qatar credit card and earn 3 Avios per $1 spent. Bilt charges a 3% fee for using co-branded airline cards this way, effectively letting you buy Avios for 1¢ each. This option is available for rent payments only, not mortgages. Since Avios are easy to earn through several transferable points programs (and transferable among all the programs), we would generally skip this unless you have a specific Qatar redemption in mind and can get meaningfully more than 1¢ per Avios. You can still pay your rent or mortgage with one of the Bilt cards, though there are also other rules in place for earning points with those housing payments.

Walmart is offering $10 off pickup or delivery orders of $35 or more, up to three times, when you enter promo code FAST30 at checkout. The offer excludes alcohol and prescription purchases. If you're targeted for Amex's current offer of $20 back after spending $60 at Walmart.com, you can stack the two offers to save $30 on a $60 order (this can be done twice as the $20 off $60 is only offered up to two times). Walmart+ members, including those who receive the benefit through eligible Amex Platinum and Business Gold cards, can also take advantage of free delivery on qualifying orders.

Amex and Citi are both targeting some cardholders with offers for $75 back on Hertz rentals in the U.S. Citi's offer requires a single rental of $325 or more and expires August 31, 2026. Amex's offer requires $350 in cumulative spending across one or more rentals and expires September 30, 2026, although it is only valid at participating corporate-owned Hertz locations. If you're planning a Hertz rental, check both issuers before booking. Keep in mind that neither Citi nor Amex cards offer primary rental car insurance, so factor that into your decision if you have another card with stronger rental coverage.

Atmos Members Day is back with another round of discounted award fares. Book by Saturday, August 8, 2026, for eligible travel dates that vary by destination. Highlights include one-way economy awards starting at 20,000 miles to Edinburgh and Madrid, 25,000 miles to Rome, Budapest, and Papeete (Tahiti), 27,500 miles to Osaka, 30,000 miles to Nadi, Fiji, 34,000 miles to Hong Kong, and 35,000 miles to Sydney. You can view the full list of destinations and eligible travel dates here.