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  • 3 Obvious (and 3 Not-So-Obvious) Ways to Use a Virgin Atlantic Transfer Bonus

    3 Obvious (and 3 Not-So-Obvious) Ways to Use a Virgin Atlantic Transfer Bonus

    Virgin Atlantic partners with several transferable credit card points programs. On top of that, there’s (more often than not, seemingly) a transfer bonus to its Flying Club loyalty program.

    At the moment, Capital One is offering a 30% transfer bonus through November 20. And there are plenty of ways a bonus like this can be useful on airlines other than Virgin Atlantic.

    Most of these ways are fairly obvious (we’ll show you those), and some aren’t so obvious (we’ll show you those, too).

    Just note that Capital One transfers start at 1,000 miles, with increments of 100 miles thereafter.

    The Obvious Redemptions

    U.S. to London on Virgin Atlantic

    The most obvious way to use Virgin Atlantic Flying Club points is for flights operated by Virgin Atlantic itself.

    Virgin Atlantic uses dynamic pricing, so award rates fluctuate based on several factors. But the lowest rates are remarkably cheap. They’re some of the lowest you’ll find between the U.S. and the U.K. (London Heathrow and Manchester), though they’re tempered by higher taxes and fees.

    Particularly in economy, they really can’t get much cheaper.

    For instance, from Virgin’s East Coast gateways (New York, Boston, Washington — and even Cancun, which isn’t technically on the East Coast), you can book tickets starting at just 6,000 points each way. From the other side of the country (Los Angeles, Las Vegas, and San Francisco), you’ll see rates starting at 9,000 points.

    CUN to LHR bookable with Virgin Atlantic points (as seen in PointsYeah).
    POINTSYEAH

    Book these round-trip at the lowest rates, and you’ll pay 12,000 Virgin points from the East Coast (transfer 9,300 Capital One miles with the bonus) or 18,000 points from the West Coast (13,900 Capital One miles).

    The catch is the taxes and fees, which can run closer to $150 flying to the U.K. and $330 coming back.

    Los Angeles to New York on Delta

    Both Delta and Virgin Atlantic belong to the SkyTeam airline alliance, and because of this, you can use Virgin points to book Delta flights and vice versa.

    Virgin Atlantic prices Delta awards according to a distance-based chart (and on a segment-by-segment basis). With a 30% transfer bonus, these flights now require quite a few fewer Capital One miles.

    One example is a round-trip, cross-country ticket between New York (JFK) and Los Angeles (LAX). If you take the nonstop in each direction, you’ll pay 44,000 Virgin points plus $5.60 in taxes each way.

    That works out to about 33,900 Capital One miles with the current transfer bonus.

    JFK to LAX bookable with Virgin Atlantic points (as seen in PointsYeah).
    POINTSYEAH

    This won’t always be the cheapest way to get between these two big cities, but it’s one to keep in your back pocket nonetheless.

    Virgin Atlantic publishes its distance-based award chart for Delta flights on its website.

    Boston to Copenhagen on Scandinavian Airlines

    Nearly every day of the week (except Wednesdays), Scandinavian Airlines (SAS) flies between Boston (BOS) and Copenhagen (CPH).

    In business class, these tickets cost 60,000 Virgin points each way, plus roughly $6 in taxes departing the U.S. or $95 departing Copenhagen. (Taxes and fees can vary if you’re flying from other Nordic countries to the U.S.)

    BOS to CPH bookable with Virgin Atlantic points (as seen in PointsYeah).
    POINTSYEAH

    If you book a round-trip ticket between Boston and Copenhagen, you’ll redeem 120,000 Virgin points and pay roughly $100 in taxes and fees.

    With the ongoing transfer bonus, the mileage component drops to about 92,400 Capital One miles for round-trip business class to Europe.

    The Not-So-Obvious Redemptions

    On the not-so-obvious side, we’ve got a few fun ways to redeem Virgin Atlantic Flying Club points that are made a little better with the 30% transfer bonus.

    St. Vincent to Bridgetown on Virgin Atlantic

    On Sundays, Wednesdays, and Fridays, Virgin Atlantic’s Airbus A330-300 makes a short, 50-minute hop between St. Vincent (SVD) and Bridgetown, Barbados (BGI).

    If you’re using Flying Club points, you can only book economy, which costs 2,300 or 2,500 points plus about $50 in taxes and fees in either direction.

    SVD to BGI bookable with Virgin Atlantic points (as seen in PointsYeah).
    POINTSYEAH

    These tickets don’t normally drop below $150 each way, so it’s a redemption worth keeping in mind if you’re planning an island-hopping trip around the Caribbean.

    If you ended up booking a round-trip for 4,600 points total, you’d need to transfer just 3,600 Capital One miles with the current bonus.

    Los Angeles to Papeete on Air France

    Air France flies a fifth-freedom route between Los Angeles (LAX) and Papeete, Tahiti (PPT), on Sundays, Tuesdays, and Thursdays through Saturdays using its Airbus A350-900.

    Through Flying Club, you can book economy for 42,000 points each way (plus roughly $6 in taxes to Tahiti or $60 coming back).

    LAX to PPT bookable with Virgin Atlantic points (as seen in PointsYeah).
    POINTSYEAH

    You can also book this flight through other programs that offer Air France award tickets. But if you book through Virgin Atlantic, you could fly round-trip from Los Angeles to Tahiti for about 64,700 Capital One miles and less than $100 in taxes with the current transfer bonus.

    Toronto to Seoul on Korean Air

    For this one, you might want to set a PointsYeah Points Price Alert because it’s a little hard to find unless you get lucky and stumble across availability.

    Every day, Korean Air flies its Airbus A350-900 between Toronto (YYZ) and Seoul (ICN). The trip takes roughly 15 hours each way, and Virgin Atlantic (when there’s space available) prices these awards in business class at 100,000 points per direction.

    Taxes run about $56 westbound or $18 eastbound.

    With the transfer bonus, you can book business class on this really long flight for about 77,000 Capital One miles each way.

    Economy, though, is more widely available for 37,000 points per way (28,500 Capital One miles) plus the same taxes and fees.

    ICN to YYZ bookable with Virgin Atlantic points (as seen in PointsYeah).
    POINTSYEAH

    Earn More Capital One Miles With These Cards

    Inspired but short on Capital One miles? Consider these two cards to boost your balance — and click “Learn More” for additional details.

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  • Mailbag: Flying a Family of 5 to Madrid on Points, Plus 3 More Questions

    Mailbag: Flying a Family of 5 to Madrid on Points, Plus 3 More Questions

    In the October 22 edition of the Points Insider newsletter, we opened up the floor to you.

    You’ve been sending in questions, and this week I’m answering four of them. (Three of you also wrote in just to say you share my last name, which I appreciate, because there aren’t many of us.)

    We’ve got a family of five headed to Madrid, a question about overlapping Delta and Amex benefits, my take on using points for hotels versus flights, and a quick one on Atmos credit cards.

    Flying a Family to Europe on Points

    A reader asks: “I have a family of 5, and we’re hoping to travel from Washington State to Madrid next May to visit family. I’m a beginner when it comes to maximizing rewards points. My husband and I both have a Chase Sapphire Preferred, but are hoping to take advantage of a welcome bonus to make our flight as affordable (dare I even say, comfortable?) as possible. Should I be looking at a general travel credit card with a good welcome bonus, or an airline credit card specific to our route? We have 3 little kids (4, 2, and 6 months) so we don’t travel frequently.”

    I’d start with the number of seats you’ll have to book. Your 2-year-old needs a seat, and your youngest will still be under 2 next May, so you’re looking at four seats plus one lap infant (a baby under 2 who flies on your lap instead of in their own seat).

    From there, a few things come to mind:

    • Account for the points you already have. If you’ve built up a decent balance of Chase Ultimate Rewards points between your two Sapphire Preferred cards, see what you can book before applying for anything else. PointsYeah is great for this, and you can filter results to show only flights bookable with Chase points.
    • Look for a program with reasonable lap infant pricing. Personally, I’ve been a fan of Air Canada Aeroplan for several years for this very reason. On international award tickets, a lap infant costs 2,500 points or CAD 25 each way, and you can usually add the baby online. Taxes and fees on Aeroplan awards can be reasonable, too.
    • Consider Atmos Rewards. This isn’t a Chase transfer partner, but Alaska Airlines’ loyalty program recently changed its lap-infant policy. On long-haul international award bookings, lap infants now cost only the applicable international taxes, although you’ll need to call to add the baby. You can also join the free Atmos Rewards “Families on the Go” community and get 20% of the points redeemed for children 12 and under back after your trip. (You can belong to only one community at a time.)
    • Look beyond Seattle. If you’re not finding much from Washington State, check Portland or San Francisco, too. Flying or driving to another airport to start your trip is called “positioning,” and it can open up additional options.
    • Don’t rule out paying cash. Sometimes the cash fare is competitive enough that using points isn’t the best deal. Depending on your card, you may be able to redeem points toward a travel portal booking or use them to offset a travel purchase.

    The next question is whether another credit card would help.

    Say you find flights you want to book through Aeroplan but don’t have quite enough points. You could look for a card with a welcome bonus that transfers to Aeroplan (lots do) and use it to top up your balance.

    An airline-specific card could work, too, but those points generally aren’t as versatile. And depending on the ticket you book, you might not even need some of the card’s benefits (like a free checked bag, if your fare already includes one).

    So, I’d start with transferable points, find the flights you want, and work backward from there. You could even consider buying the remaining points outright if the math works.

    Airport Terminal: Beautiful Mother and Cute Little Daughter Wait for their Vacation Flight, Looking out of Window for Arriving and Departing Airplanes. Young Family in Boarding Lounge of Airline Hub
    OZGYRCANKAYA / ISTOCK

    Delta Reserve and Amex Platinum: Where the Benefits Overlap

    A reader asks: “Is it worth having both the Delta SkyMiles Platinum Reserve and the Amex Platinum Card? There is a fair amount of crossover. If not, what would be the best balance?”

    First, tally the cost. Between the Delta SkyMiles Reserve ($650) and the Amex Platinum ($895), you’re paying $1,545 in annual fees.

    There’s definitely some overlap, but each card also offers benefits the other doesn’t.

    Delta Sky Clubs: This is probably the biggest crossover. The Reserve gets 15 visits per Medallion Year, while the Platinum gets 10, so holding both gives you 25. The Amex Platinum requires a same-day Delta-operated flight, while the Reserve also covers flights marketed by Delta under its own flight number. Reserve cardholders can unlock unlimited visits after $75,000 in calendar-year spending.

    Centurion Lounges: Both cards offer access, although the Reserve requires you to book your Delta flight with the card. The Amex Platinum doesn’t have that restriction.

    Overlapping credits: Both cards offer Resy credits (up to $400 annually on the Platinum and $240 on the Reserve), along with Global Entry/TSA PreCheck credits. There’s also $200 in Uber Cash on the Platinum and $120 in rideshare credits on the Reserve. Some benefits require enrollment.

    Only on the Reserve: An annual companion certificate after renewal, $2,500 in Medallion Qualification Dollars each year (a head start toward Delta status), 15% off eligible Delta award flights, a free first and second checked bag, and a $200 Delta Stays credit.

    Only on the Amex Platinum: 5X points on flights booked directly with airlines, up to $600 in lodging credits, Priority Pass and access to a wider lounge network, plus credits for CLEAR+, digital entertainment, Lululemon, Walmart+, and more. Membership Rewards points can also transfer to a variety of airline (and hotel) programs, not just Delta. Some benefits require enrollment.

    All that to say, there’s a case for keeping both cards, and just as much of a case for keeping one and pairing it with something else.

    I’d look at which benefits you actually use, rather than trying to assign value to every credit on paper. The risk is paying for two expensive cards without getting enough out of them to justify the annual fees.

    Card Points for Hotels or Flights?

    A reader asks: “Do you use card points for hotel stays, or do you prefer to use points for airlines only?”

    Personally, the only card points I typically use for hotel stays are those I earn through co-branded hotel cards (either from spending or a welcome bonus).

    And there are plenty of reasons to keep a co-branded hotel card around, at least for brands you stay with somewhat regularly. Lots of hotel cards with annual fees offer some form of annual free night award (although some require hitting a spending threshold first).

    In most cases, I find that free night is worth more than the card’s annual fee, even before factoring in benefits like complimentary elite status.

    When it comes to transferable credit card points, though, I almost always use them for flights.

    I’ll either transfer them to an airline loyalty program or — particularly with Capital One — book through the travel portal and then use points to cover the charge once it posts.

    Here’s why.

    With some exceptions, transferable points programs offer hotel and airline transfers at the same 1:1 ratio. But I generally get more mileage (and save more out of pocket) by transferring points to airlines, then paying cash for hotels or buying hotel points when they’re on sale.

    For example, it’s pretty common to find Hilton or IHG points on sale for around half a cent each.

    If I have a transferable credit card point worth at least 1 cent toward travel, why would I exchange it for a hotel point I could buy for half a cent?

    There are exceptions, of course, but that’s generally how I approach it.

    Bedroom at the InterContinental Yokohama Pier 8.
    InterContinental Yokohama Pier 8. IHG

    Does a Second Atmos Card Mean Another Hard Pull?

    A reader asks: “If I apply for another Atmos card, will they do another hard pull from my credit report?”

    Yes, I’d expect another hard inquiry.

    Each Atmos card requires a separate Bank of America application, and Bank of America’s own credit guide identifies credit card applications as hard inquiries. These can temporarily lower your credit score by a few points.

    Holding one Atmos card doesn’t prevent you from getting another, and you can potentially earn the welcome bonus on each.

    Just keep Bank of America’s commonly reported 2/3/4 rule in mind. Generally, that means no more than two new Bank of America cards in 30 days, three in 12 months, or four in 24 months (for personal cards).

    And remember, approval isn’t guaranteed. Bank of America’s pre-qualification tool uses a soft credit check, but being pre-qualified doesn’t necessarily mean you’ll be approved.

    If you’re considering the Summit (a card quite a few of us on the PointsYeah team admire), you can find the current offer below.

    More on This: Current Atmos™ Rewards Summit Visa Infinite® Credit Card Welcome Offer

    Ask Your Own Question

    Got a points question of your own? Email us at newsletter@pointsyeah.com, and we’ll answer a few each week.

  • Delta Confirms Medallion Status Requirements Won’t Change Next Year

    Delta Confirms Medallion Status Requirements Won’t Change Next Year

    If you’re chasing Delta Medallion Status next year, the targets aren’t going to move.

    A Delta spokesperson confirmed to Points Insider that the airline doesn’t plan to change its qualification requirements, meaning MQD thresholds for the upcoming Medallion Year will remain the same.

    How Many MQDs Do You Need for 2028 Status?

    Delta awards Medallion Status based on the Medallion Qualification Dollars (MQDs) you earn during the previous calendar year. That means your 2027 activity will determine your status for the 2028 Medallion Year.

    Here’s how much you’ll need to earn to qualify:

    Medallion TierMQDs Needed
    Silver Medallion$5,000
    Gold Medallion$10,000
    Platinum Medallion$15,000
    Diamond Medallion$28,000

    Delta has held these thresholds since its 2023 loyalty program overhaul, when it moved to MQD-only qualification and subsequently lowered its proposed requirements following pushback from members.

    How You Earn MQDs Today

    Under Delta’s current rules, you earn $1 MQD per $1 spent on eligible Delta-marketed flights, excluding government taxes and fees. Eligible Delta Vacations packages also earn MQDs, while Delta Main Basic (Basic Economy) fares don’t.

    Select Delta SkyMiles American Express Cards offer a $2,500 annual MQD Headstart, plus additional MQDs through everyday spending.

    MQDs don’t roll over, so your balance resets to zero on or about January 1 each year, regardless of how far past a status threshold you finish.

    Delta Is Bucking the Trend

    Delta’s biggest competitors, meanwhile, are making changes to their loyalty programs.

    United is raising its Premier 1K qualification requirement and dropping its flight-count qualification path for 2027, while Southwest is replacing A-List and A-List Preferred with new Silver, Gold, and Platinum tiers. JetBlue just announced its own slate of changes, too.

    For now, Delta seems to be the lone holdout. Time will tell if that’s the case next year as well.

  • JetBlue Revamps Mosaic Perks With First-Class Upgrades and New Benefits

    JetBlue Revamps Mosaic Perks With First-Class Upgrades and New Benefits

    If you have JetBlue Mosaic status, you’ll soon have a shot at bumping to a seat up front.

    In its announcement of loyalty program changes for 2027, JetBlue led with news that members at every Mosaic level (plus one companion on the same reservation) will be eligible for complimentary, space-available upgrades to BlueFirst.

    That’s new territory for JetBlue, which hasn’t had a domestic first-class cabin to upgrade into until now.

    Upgrades begin with the arrival of JetBlue’s first BlueFirst-equipped aircraft, with the inaugural flight scheduled for December 8, 2026.

    Most of the other TrueBlue changes (there are plenty, so buckle up) take effect February 1, 2027.

    How Will BlueFirst Upgrades Work?

    To potentially score an upgrade, you’ll need to be booked on a Main, Main Flex, EvenMore, or EvenMore Flex fare, including award tickets booked with TrueBlue points or Cash + Points.

    Main Base and EvenMore Base fares don’t qualify.

    You’ll be added to the upgrade list automatically at check-in, and upgrades start clearing 60 minutes before departure.

    The list is ranked by Mosaic level (Mosaic 4 first), followed by Premier Cardmembers without status. Within each group, paying with a JetBlue credit card moves you up the list, followed by purchasing an EvenMore fare and then the number of Tiles earned this year.

    It’s upgrade-list voodoo if we’ve ever seen any.

    Premier Cardmembers (including authorized users) are eligible even without Mosaic status, provided they pay for the flight with their JetBlue Premier Card.

    A companion upgrade requires a second open seat, and reservations with three or more travelers aren’t eligible. An upgrade gets you the BlueFirst seat and onboard service, but not pre-departure perks like the larger checked bag allowance.

    But if you have status or a co-branded card, you’ll get some of those perks anyway, regardless of where you’re sitting.

    Move to Mint Certificates Get a New Name

    Move to Mint certificates are becoming Premium Upgrade Certificates, which can confirm an upgrade to either Mint or BlueFirst. The number required varies by cabin and distance.

    Starting February 1, Mosaic 2 members can select one through Perks You Pick. Mosaic 3 and 4 members will continue receiving them automatically, and Mosaic 4 members will earn two more for every additional 100 Tiles.

    JetBlue Airline, San Francisco Airport, in the air, landing.
    SPONDYLOLITHESIS / ISTOCK

    New Perks for Premier Cardmembers

    Primary Premier Cardmembers who reach Mosaic 3 or 4 can choose a companion statement credit of up to $500 or $1,500, respectively, toward an eligible companion’s base fare.

    Premier Cardmembers with Mosaic 3 or 4 status will also earn 5X total points at grocery stores and restaurants (the card’s standard 2X plus an extra 3X) on up to $50,000 in combined purchases each calendar year.

    Depending on your Mosaic level, you can also gift Tiles or Mosaic status to another member.

    Perks You Pick Gets More Flexible

    You’ll be able to select the same perk again at later milestones rather than choosing each option only once. Just be sure to make your selection within 60 days of reaching a milestone.

    Mosaic LevelPerks You Pick OptionsPremier Card Exclusives
    Mosaic 1 (50 Tiles)10,000 points, 10-Tile Bonus, 10-Tile Headstart, or one BlueHouse passGift a 10-Tile Bonus
    Mosaic 2 (100 Tiles)10,000 points, 10-Tile Bonus, 10-Tile Headstart, one BlueHouse pass, or one Premium Upgrade CertificateGift Mosaic 1 status
    Mosaic 3 (150 Tiles)20,000 points, 20-Tile Bonus, 20-Tile Headstart, one BlueHouse pass, or one Premium Upgrade CertificateGift Mosaic 2 status or up to $500 companion credit
    Mosaic 4 (250 Tiles)30,000 points, 30-Tile Headstart, one BlueHouse pass, one Premium Upgrade Certificate, gift Mosaic 3 status, or gift a year of BlueHouseUp to $1,500 companion credit

    To make room for the new benefits, JetBlue is retiring Mint Suite Priority, the $99 statement credit with select JetBlue cards, FoundersCard membership, and IHG status.

    You can still select and use these perks through January 31, 2027.

    The Pet Fee Waiver is also leaving the menu and becoming a standard perk at Mosaic 2.

    More on This: JetBlue Outlines What to Expect From Its New BlueFirst Experience

    Where Can You Expect Upgrades?

    BlueFirst debuts December 8 between Boston and Fort Lauderdale, and every route JetBlue has scheduled for December touches Fort Lauderdale.

    More routes will phase in through April. JetBlue plans to add BlueFirst across its non-Mint fleet, but for now, the cabin may only be available on select flights or dates.

    Because Main and EvenMore award tickets are eligible for upgrades, searching for TrueBlue awards through PointsYeah is a quick way to see what those routes cost in points.

    {{ search-widget mode=”flight” }}

    But with four Mosaic tiers and Premier Cardmembers in the mix, the upgrade list could get pretty long on popular routes (there’s hardly an airline immune to this these days).

    Naturally, that raises the question: How often will Mosaic 1 and 2 members clear an upgrade once BlueFirst is flying across more of the network?

  • Earn 100,000 Points and a Companion Award With the Atmos Rewards Summit Card

    Earn 100,000 Points and a Companion Award With the Atmos Rewards Summit Card

    The Atmos™ Rewards Summit Visa Infinite® Credit Card from Bank of America has a limited-time welcome offer that pairs a sizable points bonus with a companion award.

    New cardholders can earn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 on purchases within 90 days of account opening.

    The card has a $395 annual fee and comes with a ton of benefits that can prove useful for frequent travelers, status chasers, and anyone looking to earn (and redeem) a useful airline rewards currency.

    What Can You Do With Atmos Rewards Points?

    Atmos Rewards is the shared loyalty program of Alaska Airlines and Hawaiian Airlines. Points are redeemable for flights on both carriers, Oneworld airlines (such as American Airlines and British Airways), and other partners.

    Of all the ways to redeem Atmos Rewards points, a few stand out. These include short-haul domestic and international flights starting at 4,500 points, business class flights from the U.S. to Europe starting at 45,000 points, and more.

    The Summit card’s welcome bonus could cover quite a few of those shorter flights or help unlock some of the longer, more expensive ones. Plus, the card waives partner award booking fees, which would otherwise cost $20 per person.

    On the ground, points can also be transferred to hotel loyalty programs, including Marriott Bonvoy and Shangri-La Circle, or shared for free with up to 10 other Atmos Rewards members.

    What Else Does the Atmos Rewards Summit Card Offer?

    Beyond the welcome bonus, the Summit card has several ongoing benefits.

    • 3X points: On eligible dining, purchases made outside the U.S., and Alaska Airlines and Hawaiian Airlines purchases. All other purchases earn 1X.
    • 10% points bonus: On points earned from purchases if you have an eligible Bank of America or Merrill account.
    • Annual companion awards: A 25,000-point Global Companion Award each account anniversary, plus a 100,000-point award after $60,000 in purchases during a card anniversary year. These awards cover up to their respective point values toward a companion’s ticket when booking award travel for two on the same itinerary.
    • Status points: 10,000 each account anniversary, plus 1 status point for every $2 spent.
    • Alaska Lounge passes: Two per calendar quarter, valid at Alaska Lounges only (not partner lounges).
    • Wi-Fi passes: Two single-flight Alaska Airlines Wi-Fi passes per quarter.
    • Free checked bag and Preferred Boarding: For you and up to six guests on the same reservation when you pay for the flight with the card.
    • 20% back on inflight purchases: Food and beverages on Alaska Airlines and Hawaiian Airlines, plus Wi-Fi on Alaska Airlines.
    • Up to $120 TSA PreCheck or Global Entry credit: Once every four years.
    • No foreign transaction fees.

    One thing to keep in mind is that the lounge and Wi-Fi passes expire at the end of each quarter. They don’t roll over if you don’t use them.

    Who’s Eligible for the Welcome Bonus?

    You can hold more than one Atmos Rewards credit card and potentially earn the welcome bonus on each. So having the Atmos Rewards Ascent or Atmos Rewards Business card doesn’t automatically prevent you from qualifying for the Summit’s offer.

    However, Bank of America’s application restrictions still apply.

    The issuer is known to impose a 2/3/4 rule, which generally limits approvals to two new Bank of America cards in 30 days, three in 12 months, and four in 24 months. These limits generally apply to personal cards rather than Bank of America business cards.

    As always, approval isn’t guaranteed (and the pre-qualification tool isn’t always accurate), so you’ll want to review the offer’s eligibility terms before applying.

  • Amex Platinum’s Hotel Credit Will Require 2 Nights at Fine Hotels + Resorts in 2027

    Amex Platinum’s Hotel Credit Will Require 2 Nights at Fine Hotels + Resorts in 2027

    Starting January 1, 2027, you’ll need to book at least two nights at a Fine Hotels + Resorts (FHR) property to use the up to $300 semiannual hotel credit on the American Express Platinum and Business Platinum cards.

    Amex has also given the benefit a new name. What cardholders previously knew as the $600 Hotel Credit is now the $600 Lodging Credit (to reflect the addition of eligible Airbnb Luxe stays).

    The new restriction brings FHR in line with The Hotel Collection (Amex’s other hotel program), which already requires a minimum two-night stay.

    What the Change Means for Your Remaining 2026 Hotel Credit

    If you haven’t used your July-to-December hotel credit yet, there’s still time to book a one-night FHR stay under the existing rules.

    According to Amex’s terms, eligible bookings must be processed by December 31 at 11:59 p.m. Central Time to count toward the second half of 2026.

    And you don’t actually need to stay at the hotel before then. Amex’s FAQ confirms that travel can take place after the credit period ends.

    More on This: How to Search Amex Fine Hotels + Resorts with PointsYeah

    How the Amex Platinum’s $600 Lodging Credit Works

    The newly renamed Lodging Credit still provides up to $600 per calendar year, split into two $300 credits. One is available from January through June, and the other from July through December.

    To use it, you’ll need to make an eligible prepaid (“Pay Now”) booking through Amex Travel. That includes Fine Hotels + Resorts and The Hotel Collection reservations made through AmexTravel.com, the Amex Travel App, or the number on the back of your card. Eligible prepaid Airbnb Luxe stays also qualify, although those have their own booking requirements.

    Now, that two-night minimum might not sound like a particularly big deal, but it makes the credit considerably less useful for shorter stays, especially at more affordable FHR properties.

    Take a hotel charging $300 per night. Today, you could book a single night and have the entire room rate covered by the credit. In 2027, you’d need to book two nights for $600, leaving you with $300 to pay out of pocket.

    At a $700-per-night property, the credit currently covers about 43% of a one-night stay. With a two-night minimum, it would cover just 21% of the $1,400 total.

    Granted, you’re getting another night in both examples. But if you only need somewhere to stay for one night, that doesn’t necessarily do you much good.

    Airbnb Luxe Is Another Way to Use the Credit

    Amex and Airbnb have announced a new partnership that brings more than one million Airbnb listings to Amex Travel.

    Eligible cardholders can now book these properties through AmexTravel.com or the Amex Travel App and earn Membership Rewards points on prepaid reservations. Platinum and Business Platinum cardholders earn 5X points, while most other Membership Rewards-earning cards earn 2X.

    But there’s an important distinction. While more than one million Airbnb listings are available through Amex Travel, only eligible Airbnb Luxe properties qualify for the $600 Lodging Credit.

    Interior of the Phoenix Mountain Cabin & Spa.
    Phoenix Mountain Cabin & Spa. AIRBNB LUXE

    Airbnb Luxe is a collection of high-end homes available through Airbnb. According to the company, Luxe properties account for less than 1% of its listings globally, and each undergoes an in-person walkthrough before receiving the designation.

    There’s another new perk, too. Platinum and Business Platinum cardholders who book a qualifying prepaid Airbnb Luxe stay through Amex Travel can unlock up to $250 in statement credits annually toward eligible Airbnb Experiences.

    Once the Luxe booking is confirmed, cardholders can use their Platinum card to purchase eligible Experiences directly through Airbnb and receive statement credits through the end of that calendar year. Experiences that redirect you to certain third-party platforms for payment aren’t eligible.

    Unlike the Lodging Credit, the Experiences credit isn’t split into two semiannual periods.

    Fine Hotels + Resorts Benefits Aren’t Changing

    Something to keep in mind is that the new two-night requirement applies to the Lodging Credit, not necessarily to Fine Hotels + Resorts bookings in general.

    Amex’s separate FHR program terms, which offers benefits such as daily breakfast for two, a $100 credit toward eligible charges, and guaranteed 4 p.m. checkout, don’t specify a minimum stay.

    Put differently, you can still book a one-night FHR stay and receive the usual program benefits. You just won’t be able to use your Platinum card’s Lodging Credit toward it beginning in 2027.

    The $600 annual credit, its semiannual schedule, and the prepaid booking requirement aren’t changing, either.

    For cardholders who regularly use the credit on one-night FHR stays, though, this is a reduction in flexibility. And if you’ve still got a 2026 credit to use, it’s worth keeping the upcoming change in mind before making your next reservation.

  • IHG Is Selling One Rewards Points With up to a 100% Bonus

    IHG Is Selling One Rewards Points With up to a 100% Bonus

    You don’t necessarily need to earn hotel points to save money on a hotel stay. Sometimes, buying them outright can be cheaper than paying the cash rate.

    That’s the opportunity with IHG One Rewards’ latest points sale, which offers up to a 100% bonus on purchased points. At the highest bonus tier, you’ll pay just 0.50 cents per point.

    Of course, that doesn’t mean everyone should buy. The trick is finding a hotel where the numbers work in your favor.

    Current IHG Buy Points Offer

    IHG is offering up to a 100% bonus on purchased One Rewards points through November 5, 2026.

    • Current promotion: Up to 100% bonus
    • Lowest price per point: 0.50 cents
    • Offer ends: November 5, 2026
    • Offer purchase limit: 200,000 points before the bonus
    • Annual purchase limit: 200,000 points before any bonus

    Buy IHG One Rewards points directly from IHG

    IHG runs these promotions regularly, so there’s rarely a reason to buy points simply because there’s a sale. You can compare the current offer with previous promotions in the table below.

    {{ buy-points-history program=”IHG One Rewards” }}

    More on This: Current Buy Points and Miles Offers

    When Buying IHG Points Makes Sense

    Say you’re looking at an IHG hotel that costs $600 per night or 100,000 points.

    At 0.50 cents per point, buying the 100,000 points would cost $500. That’s $100 worth of savings on the same room.

    But if the cash rate were $400, buying points would actually cost you more.

    The math behind this is pretty straightforward.

    Points needed × price per point = cost to buy the points

    There’s another consideration for eligible IHG credit cardholders. The fourth Reward Night free benefit lets you book four consecutive award nights while paying the points price for just three. That can make purchasing points even more attractive for stays of at least four nights.

    Just be sure to compare the same room, dates, and cancellation terms. Taxes, hotel fees, and the rewards you’d earn on a paid stay can also affect the calculation.

    Exterior of the Six Senses Kyoto at night.
    Six Senses Kyoto. IHG

    More on This: How to Search Hotels With Points and Miles Using PointsYeah

    Don’t Buy Points Just Because They’re on Sale

    I’d approach this promotion backward. Find the hotel you want first, then check whether buying the points needed to book it costs less than paying cash.

    Sometimes it will. Other times, it won’t.

    And with IHG running points sales fairly regularly, there’s little reason to stock up without a specific redemption in mind.

  • United Keeps Building Bigger Clubs. Houston Is Its Largest Yet

    United Keeps Building Bigger Clubs. Houston Is Its Largest Yet

    United’s Clubs seem to keep getting bigger.

    In 2023, a 35,000-square-foot Club on the east side of Denver’s B Concourse became the airline’s largest. Two years later, United opened a separate 33,000-square-foot Club on the west side of the same concourse. A roughly 40,000-square-foot Club is also in the works at Washington Dulles International Airport (IAD) for when its new Concourse E opens (which will likely happen before the end of the year).

    And then there’s Houston.

    The new United Club at George Bush Intercontinental Airport (IAH) spans 54,000 square feet. United says it’s the biggest Club it has ever built and the “largest airline club across North and South America.”

    I visited during United’s preview on October 21, a day before Terminal B North’s public opening. I can attest that it’s a big lounge.

    Here’s what I saw, along with my initial takeaways.

    Bigger Clubs, Same Crowding Problem

    There’s a reason the square footage keeps increasing.

    I’ve heard United executives talk openly about wanting Clubs big enough that they stop turning people away, whether that’s members bringing guests or travelers holding one-time passes.

    Entrance to the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    As I see it, two other things are adding to the pressure (and it’s not a problem unique to United). United is adding premium seats to its planes en masse, and some of those tickets come with Club access. It’s also pushing its lounge-access-granting credit cards on the ground, in the air, and everywhere in between.

    If you’re going to offer that kind of access, you need the space to back it up.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Houston faces the same crowding pressure as virtually every other lounge these days. United says its Terminal B transformation increases the overall number of customers who can fly on peak travel dates in 2026 by 40% compared to 2023.

    Now that’s capacity, not a passenger count, but it means more potential Club visitors on the busiest days.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Officially, the Club seats 800. Whether that’s enough on a random Friday afternoon or in the days leading up to a major holiday is still up in the air.

    During the preview, the Club was seemingly half full of media, United employees, and other event attendees. Everything seemed to be running fairly smoothly, though a regular travel day will present its own challenges.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    What It’s Actually Like

    The Club sits on the mezzanine level, which is fairly central on the B North side. The entrance is hard to miss: you scan your boarding pass at the kiosks, then head up an escalator.

    From there, the space fans out in every direction. Straight ahead is the buffet. To the right is a large seating area that feels more relaxed and private. To the left are the main bar and dining room seating, which lead into a separate section with a second bar, more seating, and the outdoor terrace.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    There’s a ton of seating throughout the Club. Some of it is tucked away, while other areas overlook the terminal below.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    With mostly media and event attendees chatting during the preview, it was hard to judge noise levels. But the mix of spaces makes it fairly easy to get away from the busier, higher-traffic areas.

    The tradeoff is distance. Getting from one end to the other can be a bit of a walk.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    There wasn’t a ton of food out during the preview, but United says to expect rotating menus with locally inspired dishes.

    Guests can also grab a drink at either of the lounge’s two bars or help themselves at one of several refreshment stations.

    Bar at the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    The terrace is smaller than you might expect for a Club this size, at just 1,350 square feet. But it’s still a neat place to get some fresh air and watch the tarmac. When the weather is nice, I bet it’ll be a popular spot.

    Terract at the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Who This Club Is Really For

    Location matters a lot.

    The Club is in Terminal B North, where all 22 new mainline gates are designed for narrow-body aircraft. Terminal B South’s 26 gates have been reconfigured to better handle larger regional jets. In practice, that points to domestic and shorter international flights, not long-haul widebody trips.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Travelers flying long-haul in United Polaris business class (on eligible tickets) have the United Polaris lounge, which is a separate space in IAH’s Terminal E.

    So this Club is largely geared toward everyday United flyers, cardmembers, and passholders traveling domestically or on shorter international routes. And with so many flights coming and going (with schedules likely to keep growing), there’s plenty of potential demand.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    How to Get In

    A United Club membership, an eligible United credit card, or a select premium-cabin ticket will get you in. Our United Club guide covers the rest, including guest rules, one-time passes, and which cards qualify.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Is the New IAH Club Big Enough?

    For now, it certainly feels that way.

    But the real test won’t come at a relatively tame Wednesday preview, but on the busiest travel days, when Clubs are most likely to fill up.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Lounges serve a real purpose. At a minimum, that’s food, a drink, and somewhere to wait that isn’t a crowded gate area. Houston covers all of that, with room to spare.

    But as airlines keep building bigger Clubs to accommodate more travelers, I wonder if lounges are starting to lose some of what made them appealing in the first place. They’re supposed to be a respite from the busy airport terminal, not just a fancier version of it.

    And at some point, I wonder how much of a difference there really is.

  • United Club Lounges: Access, Guest Rules, and What to Expect

    United Club Lounges: Access, Guest Rules, and What to Expect

    United operates more than 45 United Club locations around the world, plus six United Polaris lounges for eligible premium cabin passengers.

    There are several ways to get into a United Club. You can buy a membership or a one-time pass, get access through an eligible Chase United credit card, or qualify through your ticket or Star Alliance status.

    But depending on how you get in, the rules around guests, entry times, and eligible flights can vary.

    Here’s what to know before you visit.

    Where Can You Find United Clubs?

    United Clubs are located at airports throughout the airline’s network.

    Every Club offers complimentary snacks, drinks, Wi-Fi, and seating, among other amenities. Some of United’s newer locations also have more substantial food selections, upgraded bars, and dedicated spaces for working or taking calls.

    A few locations in particular are worth stopping by if you’re eligible and have time before a flight or on a layover.

    • Denver (DEN): United’s Club at Denver B East is one of the largest in its network. It boasts more than 35,000 square feet across two floors.
    • Newark (EWR): This is the first United hub with fully updated Clubs. It offers more than 63,000 square feet of Club space across the airport.
    • Chicago O’Hare (ORD): The Concourse C Club seats more than 400 guests.
    • Houston (IAH): Home to United’s new Terminal B Club, which spans 54,000 square feet.

    Hours vary by location and can change around holidays, so United’s Club and lounge directory is a handy resource to check before heading to the reception desk.

    Who Can Access a United Club?

    There are five main ways to get into a United Club.

    In most cases, you’ll need a same-day boarding pass for a flight operated by United, a Star Alliance airline, or an eligible partner. You may also be asked to show a government-issued photo ID.

    • United Club members: Travelers who purchase an Individual or All Access membership.
    • United Club cardholders: Primary cardholders of the United Club Card or United Club Business Card receive a Club membership.
    • One-time passholders: Travelers who purchase a pass or receive one through an eligible United credit card.
    • Premium cabin passengers: Eligible United Polaris and United Business passengers can access United Clubs at departure, connecting, and arrival airports. Star Alliance first and business class passengers can access Clubs at the departure airport of their eligible international flight.
    • Star Alliance Gold members: United MileagePlus Premier Gold members and above can access United Clubs when traveling on qualifying international Star Alliance itineraries. Star Alliance Gold members from other programs have different access policies; these travelers can generally enter when flying domestically on United.

    Just note there’s an important distinction for United’s own elite members. Having Premier Gold status or higher doesn’t automatically get you into a United Club when flying domestically.

    And if you’re flying United domestic first class, that ticket alone generally won’t get you into a Club, either.

    United Club Membership Pricing

    United offers two annual membership options.

    An individual membership covers the member only, while All Access includes guest privileges and access to participating Star Alliance partner lounges.

    Pricing depends on your MileagePlus status:

    MileagePlus StatusIndividualAll Access
    General member, Premier Silver, Premier Gold$750 or 94,000 miles$1,400 or 175,000 miles
    Premier Platinum$750 or 94,000 miles$1,300 or 163,000 miles
    Premier 1K$750 or 94,000 miles$1,200 or 150,000 miles
    Global Services$750 or 94,000 miles$1,100 or 125,000 miles

    How Do United Club One-Time Passes Work?

    United sells one-time Club passes for $59 per person. You can purchase one through the United app, and some locations sell passes at the door when space is available.

    There are a few restrictions when using a pass:

    • One person, one visit: Each pass covers one entry. Children under two can accompany a passholder at no additional charge.
    • Validity: Passes purchased through the app are valid for 12 months and are nonrefundable.
    • Capacity: United Club members receive priority, so one-time passholders can be turned away when a lounge is busy.
    • Eligible lounges: Passes work at standard United Clubs, but not Polaris lounges, United Club Fly locations, arrivals lounges, or partner lounges.

    The capacity restriction is worth keeping in mind.

    Buying a pass doesn’t guarantee you’ll be able to use it at your preferred Club, so it’s worth waiting until you arrive to purchase one rather than buying it ahead of your trip.

    How Early Can You Enter a United Club?

    If you’re using a one-time pass, you can enter within three hours of your scheduled departure.

    That restriction doesn’t apply if you’re visiting a United Club during a connection.

    United doesn’t publish the same three-hour restriction for Club members and eligible cardholders, who generally only need a qualifying same-day boarding pass.

    Interior of the United Club in IAH Terminal B.
    TYLER GLATT / POINTS INSIDER

    Can You Bring Guests Into a United Club?

    Guest privileges depend on how you’re accessing the lounge.

    • Individual membership: No guests.
    • All Access membership: Up to two adult guests, or one adult guest and dependent children under 18.
    • United Club card membership: One adult guest and dependent children under 18.
    • One-time pass: No guests. Each person needs a separate pass.
    • United Polaris and United Business passengers: No guests.
    • Star Alliance first class: One guest on eligible international itineraries.
    • Star Alliance business class: No guests.
    • Star Alliance Gold: One guest traveling on the same flight.

    United also has age restrictions. Visitors under 18 must be accompanied by a supervising adult, while Clubs with self-service bars require guests under 21 to be accompanied by someone at least 21.

    What’s the Difference Between United Clubs and Polaris Lounges?

    United Polaris lounges are separate from standard United Clubs and offer a more premium experience, including sit-down dining, showers, and private relaxation areas.

    There are six Polaris lounges in the United States:

    • Chicago O’Hare (ORD)
    • Houston (IAH)
    • Los Angeles (LAX)
    • Newark (EWR)
    • San Francisco (SFO)
    • Washington Dulles (IAD)

    Unlike United Clubs, Polaris lounge access comes from your ticket rather than a membership or credit card.

    A United Club membership won’t get you into a Polaris lounge, and neither will a one-time pass.

    United’s newer Polaris fare structure also affects lounge access. Passengers booked on Standard or Flexible Polaris fares can visit Polaris lounges, while those traveling on Base fares only receive access to standard United Clubs.

    Certain international first- and business-class passengers on Star Alliance partners can also access Polaris lounges, although eligibility depends on the airline, cabin, and fare purchased.

    Credit Cards That Include United Club Access

    Four Chase United credit cards offer either a United Club membership or one-time passes.

    • United Club Card: Includes a United Club membership for the primary cardholder, with access for one adult guest and dependent children under 18.
    • United Club Business Card: Offers the same membership and guest privileges as the personal version.
    • United Explorer Card: Includes two United Club one-time passes after account opening and every 12 months thereafter.
    • United Business Card: Also includes two one-time passes after account opening and every 12 months thereafter.

    {{ credit-card-widget uri=”unitedclubinfinitecard” }}

    Both United Club cards offer a way to upgrade to All Access membership. You can qualify by earning Premier Gold status or spending $50,000 on purchases in a calendar year.

    All Access adds a second adult guest and access to participating Star Alliance partner lounges. Cardholders with All Access and an authorized user or employee cardholder can also receive four one-time passes each card anniversary year.

    Authorized users on the Club cards don’t receive their own membership. They’ll need to enter with the primary cardholder as an eligible guest.

    The one-time passes issued by the Explorer and Business cards have different rules. They can be used by the primary cardholder, an authorized user or employee cardholder, or an accompanying guest, but can’t be transferred to someone traveling separately.

  • Venture X Business Offers Up to 300,000 Miles and a $1,000 Travel Credit

    Venture X Business Offers Up to 300,000 Miles and a $1,000 Travel Credit

    The Capital One Venture X Business Rewards Credit Card has a new (and huge) limited-time welcome offer, and it comes in two tiers.

    New cardholders can earn 150,000 bonus miles after spending $40,000 in the first four months. If they spend $120,000 in that same four-month window, they’ll earn another 150,000 miles plus a one-time $1,000 Capital One Business Travel credit, for up to 300,000 bonus miles in total.

    Capital One is running the offer to mark the card’s third anniversary. And it calls the offer limited-time but hasn’t published an end date.

    The card carries a $395 annual fee and comes with a long list of benefits.

    {{ credit-card-widget uri=”venturexbusiness” }}

    Unlocking all of it takes a lot of spending, even for a business card. The card’s previous offer was 150,000 miles after $30,000 in spending within three months, so the first tier now takes $10,000 more in spending and gives one more month to do it.

    Offers on the Venture X Business don’t change often, so an offer with a lower spending requirement will more than likely return once this one ends.

    According to Capital One, bonus miles post “within two billing cycles” after you qualify. The $1,000 credit also lands in your Capital One Business Travel balance within two billing cycles, can be used across one or more bookings, and expires 16 months after account opening.

    What Can You Do With Capital One Miles?

    Capital One miles can be redeemed for travel booked through Capital One Business Travel or used to cover travel purchases made with the card.

    They can also be transferred to Capital One’s 15-plus airline and hotel partners, which include Air Canada Aeroplan, British Airways Club, Choice Privileges, and more.

    What Else Does the Venture X Business Offer?

    Beyond the welcome bonus, the Venture X Business comes with several benefits, including:

    • 2X miles on every purchase: No category restrictions.
    • 10X and 5X miles on travel: Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel.
    • $300 annual travel credit: Use it on bookings through Capital One Business Travel.
    • 10,000 anniversary miles: Earned each year on your account anniversary starting after your first renewal.
    • Lounge access: Capital One Lounges and Landings, plus more than 1,300 participating lounges worldwide through Priority Pass (enrollment required).
    • Up to $120 Global Entry or TSA PreCheck credit: A statement credit for the application fee, once every four years.
    • Premier Collection perks: A $100 experience credit and other benefits on Premier Collection hotel and vacation rental bookings.
    • Hertz President’s Circle status
    • No foreign transaction fees
    • Free employee cards

    For full earning rates, benefits, and terms, click “Learn More” on the card above.

    Aerial pool view of the Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort.
    Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort. WYNDHAM

    Who Can Apply for the Venture X Business?

    A business credit card does require a business. But that doesn’t necessarily mean a company with employees, an office, or a huge amount of revenue.

    Sole proprietors, freelancers, independent contractors, and people with a side business can qualify, and Capital One accepts a Social Security number in place of an EIN for sole proprietorships.

    There’s also a restriction on the bonus. According to Capital One’s terms, “Existing or previous Accountholders may not be eligible for this one-time bonus.”

    However, you’ll want to make sure that whatever business you have can spend the necessary money in order to unlock the bonus (ideally in full). Businesses without substantial spending might want to consider other options.