Guides on this topic · 8 guides
Program Changes
Devaluations, award-chart updates, transfer-bonus alerts, and refresh announcements across the major airline, hotel, and bank rewards programs.
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Your Points Are Not Savings: How Devaluation Actually Works
A loyalty programme sets the price of its own currency, and outstanding points are a liability on its books — so the incentive points one way. Dynamic pricing made most devaluations silent. Here is why hoarding loses quietly, and what to do instead.
Annual Fee Refund Rules by Issuer: How Long You Have to Cancel or Downgrade (2026)
Amex 30 days, Chase 30, Citi 37, Capital One 39, Barclays 60 — the full-refund windows for nine issuers, what cancel versus downgrade does inside and outside them, the twelve-month product-change rule, retention offers, and a worked October timeline.
Hyatt After October 1: What the 4:3 Chase Ratio Changed (and What to Do Now)
The 4:3 ratio is live for Sapphire Preferred and Ink Business Preferred. Which Chase cards still transfer to Hyatt at 1:1, the 1,000-point-increment math, five routes that keep full value, and when 4:3 is still worth it.
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United MileagePlus Sweet Spots 2026
Honest point ranges for where MileagePlus still prices well in 2026 — plus the Excursionist Perk correction, and the decision framework for when Aeroplan or Avios beats United on the same route.
Atmos Rewards (formerly Alaska Mileage Plan): The Complete Program Guide
Mileage Plan became Atmos Rewards in 2025, and on 1 August 2026 the Cathay and JAL sweet spots it was famous for moved to dynamic pricing. What survives: the distance chart, the one-way stopover, the Hawaiian network — and Bilt as the only way in.
Chase Sapphire Preferred vs Chase Sapphire Reserve (2026): Which Is Right for You?
The June 2026 Hyatt 4:3 ratio change made this the most consequential CSP vs CSR decision in years. Here’s the complete breakdown.
Chase Sapphire Preferred Hyatt 4:3: Transfer, Upgrade, or Wait? (2026)
CSP and Ink Business Preferred moved to a 4:3 Hyatt transfer ratio on October 1, 2026. Here is exactly what that means, which options are still open, and how to decide.
Chase Sapphire Preferred Review 2026: Refreshed Benefits, New Hyatt Ratio, Still Worth $95?
The 2026 refresh adds a $100 hotel credit, $120 Global Entry credit, Apple TV+, 3x gas, and 3x vacation rentals — but removes the anniversary bonus and cuts the Hyatt transfer ratio to 4:3. Here’s who should still get it.