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Travel the SUB - Way, York, ME (2026)

08/30/2026

💳 5 CURRENT CREDIT CARD OFFERS — WHICH ONES ARE ACTUALLY WORTH IT?

There are some BIG credit card offers floating around right now, but a big number doesn’t automatically make something a great deal.

I looked at five current offers featured by point.me/CardRatings. Here’s how I would rank them for someone interested in using credit card rewards for travel.

🥇 #1 — CHASE INK BUSINESS UNLIMITED

🔥 EXCELLENT — ONE OF MY FAVORITE OFFERS

Current offer:

💰 $1,000 cash back
💳 Spend $8,000 in the first 4 months
💵 $0 annual fee
📈 Unlimited 1.5% back

Chase itself calls this its best offer ever on the Ink Business Unlimited.

But here’s the part travel hackers should understand:

That $1,000 can effectively be 100,000 Chase Ultimate Rewards points. If you have an eligible Chase card that enables transfers, those rewards can be combined and potentially transferred to Chase travel partners.

That makes this considerably more interesting to me than simply getting $1,000 cash.

My Rating: ⭐⭐⭐⭐⭐

The $8,000 spending requirement is substantial, but you have four months to complete it. If your business can naturally spend $2,000 a month, this is an outstanding opportunity.

Travel the Sub-Way Verdict: APPLY-WORTHY 🔥

⸻

🥈 #2 — SAPPHIRE RESERVE FOR BUSINESS

🔥 INCREDIBLE BONUS — BUT NOT FOR EVERYONE

Current offer:

🎁 200,000 Ultimate Rewards points
💳 Spend $30,000 in 6 months
💰 $795 annual fee

Yes — 200,000 Chase points.

That’s enormous.

Chase currently values those 200,000 points at $4,000 toward select flights and hotels through Chase Travel and says the card can provide $7,000+ in total first-year value when its various benefits are included.

You also get benefits including a $300 annual travel credit, lounge access and elevated earning on travel and certain business expenses.

So why isn’t this #1?

$30,000 minimum spend.

That’s $5,000 per month for six months.

For a business that naturally spends that much, this could be one of the most lucrative bonuses available.

But I’m not spending an extra dollar just to earn points.

My Rating: ⭐⭐⭐⭐⭐ for the right business

Travel the Sub-Way Verdict: MONSTER OFFER 🦖 — but only if $30K of natural spending is realistic.

⸻

🥉 #3 — AMERICAN EXPRESS GOLD

👍 POTENTIALLY EXCELLENT

Current offer:

🎁 As high as 100,000 Membership Rewards points
💳 Spend $8,000 in 6 months
💰 $325 annual fee

Notice the words:

“AS HIGH AS.”

Your offer could be 100,000 points, but Amex says welcome offers vary.

If you’re offered the full 100K, I like this quite a bit.

The Gold is also an excellent points-earning machine:

🍽️ 4X at restaurants worldwide, up to the annual spending cap
🛒 4X at U.S. supermarkets, up to the annual spending cap
🏨 5X on prepaid hotels through Amex Travel

Membership Rewards can then be transferred to numerous airline and hotel programs.

My Rating at 100K: ⭐⭐⭐⭐⭐

At a substantially lower targeted bonus, I’d be less excited.

Travel the Sub-Way Verdict: CHECK YOUR OFFER 👀

⸻

#4 — HILTON HONORS AMEX SURPASS

👍 VERY GOOD FOR HILTON PEOPLE

Current featured offer:

🏨 130,000 Hilton Honors points
💳 Spend $3,000 in 6 months
💰 $150 annual fee

This has by far the easiest minimum-spending requirement of these five offers.

The Surpass also earns 12X at Hilton properties, 6X at U.S. restaurants, supermarkets and gas stations, 4X on U.S. online retail and 3X on other eligible purchases.

But don’t compare 130,000 Hilton points directly to 100,000 Chase or Amex points.

They’re completely different currencies.

Flexible Chase and Amex points are generally much more versatile because you can choose among multiple transfer partners. Hilton points are Hilton points.

If you regularly stay at Hilton, though, this card can make plenty of sense.

My Rating: ⭐⭐⭐⭐

Travel the Sub-Way Verdict: GOOD — especially for Hilton loyalists.

⸻

#5 — WELLS FARGO AUTOGRAPH JOURNEY

👍 GOOD CARD — BONUS DOESN’T BLOW ME AWAY

Featured offer:

🎁 60,000 points
💳 Spend $4,000 in 3 months
💰 $95 annual fee

The offer shown values those 60,000 points at $600 toward travel.

The ongoing earning structure is attractive, including 5X on hotels and 4X on airlines, according to the offer shown.

And Wells Fargo has built out a transferable-points ecosystem, which makes its rewards much more interesting to travelers than they once were.

But when I’m looking at 100K Chase, potentially 100K Amex and 200K Chase offers on the same page, 60K isn’t the one making me reach for the application button.

My Rating: ⭐⭐⭐½

Travel the Sub-Way Verdict: GOOD CARD. NOT A MUST-APPLY OFFER.

⸻

🏆 MY FINAL RANKING

#1 Ink Business Unlimited — 🔥🔥🔥🔥🔥
Best combination of huge bonus, no annual fee and manageable spending requirement.

#2 Sapphire Reserve for Business — 🔥🔥🔥🔥🔥
The biggest opportunity here, but that $30,000 spending requirement eliminates a lot of people.

#3 Amex Gold at the 100K offer — 🔥🔥🔥🔥½
Excellent transferable currency and terrific everyday earning categories.

#4 Hilton Surpass — 🔥🔥🔥🔥
A strong choice if Hilton is already part of your travel strategy.

#5 Wells Fargo Autograph Journey — 🔥🔥🔥½
Solid card and reasonable annual fee, but I’d like a more compelling welcome offer before calling it a home run.

💡 TRAVEL THE SUB-WAY TIP

Don’t choose a credit card simply because it has the largest number printed on the advertisement.

Ask three questions:

Can I meet the minimum spend naturally?

What are those points actually worth to ME?

Will I get enough value from the card after the first year to justify keeping it?

And remember: 200,000 Hilton points aren’t necessarily better than 100,000 Chase points simply because 200,000 is a bigger number.

Different points have different values — and transferable points give you options.

For most people who qualify for a business card and can comfortably handle the $8,000 minimum spend, the Ink Business Unlimited is the offer that jumps off this list to me.

✈️ Travel smarter. Earn smarter. Travel the Sub-Way.

08/30/2026

✈️ TRAVEL HACKING 101: WHAT IS A TRANSFER BONUS?

Here’s one of my favorite ways to make your credit card points go further:

Wait for a transfer bonus.

If you have transferable points such as Chase Ultimate Rewards, American Express Membership Rewards, Capital One miles, Citi ThankYou Points, Bilt Rewards or Wells Fargo Rewards, you may be able to transfer those points to airline and hotel loyalty programs.

Normally, you might transfer:

10,000 credit card points → 10,000 airline miles

But occasionally, banks offer a transfer bonus.

With a 30% transfer bonus:

10,000 points → 13,000 miles 🎉

You didn’t earn more points. You simply transferred them when they were temporarily worth more.

💰 HERE’S WHERE IT GETS REALLY GOOD

Let’s say the flight you want costs 60,000 airline miles.

Without a bonus:
Transfer 60,000 points

With a 20% bonus:
Transfer 50,000 points

With a 30% bonus:
Transfer about 47,000 points

With a 40% bonus:
Transfer about 43,000 points

That 40% bonus could save you roughly 17,000 transferable points on a single redemption!

⚠️ THE GOLDEN RULE

Don’t transfer points just because there’s a bonus.

Once you transfer bank points to an airline or hotel program, you generally can’t transfer them back.

Your Chase points might give you access to numerous travel partners today. Transfer them to one airline, and now they’re locked into that airline’s program.

My preferred order:

🔎 1. Find the flight or hotel

🎟️ 2. Confirm award availability

🧮 3. Calculate how many points you need

🎁 4. Check for a transfer bonus

➡️ 5. Transfer only the amount you need

🏃 6. Complete the booking

💡 TRAVEL THE SUB-WAY TIP

Think of a transfer bonus as a sale on an award trip you’re already planning.

Don’t transfer 100,000 points to an airline simply because they’re offering a 30% bonus and think, “I’ll use those someday.”

Flexible points are valuable because they’re flexible.

But when you’ve already found the trip you want and a transfer bonus happens to line up?

That’s when things get fun.

You may be able to book the exact same airplane seat or hotel room while using thousands fewer credit card points.

✈️ Travel smarter. Earn smarter. Travel the Sub-Way.

08/28/2026

💳 AMEX GOLD: WELCOME OFFER AS HIGH AS 100,000 POINTS

If you’ve been considering the American Express® Gold Card, there’s currently an opportunity to receive a welcome offer of up to 100,000 Membership Rewards® points.

The potential offer:

🎁 Up to 100,000 Membership Rewards points
💳 Spend $8,000 in eligible purchases within your first 6 months
💰 $325 annual fee

The important words here are “up to.” Welcome offers vary by applicant, and you may receive a smaller offer—or may not be eligible for a welcome offer at all.

🍽️ WHY I LIKE THE AMEX GOLD

This isn’t just a card you get for the welcome bonus. Its earning categories make it particularly useful for everyday spending:

4X points at restaurants worldwide, up to $50,000 per calendar year, then 1X

4X points at U.S. supermarkets, up to $25,000 per calendar year, then 1X

3X points on flights purchased directly from airlines or through Amex Travel

5X points on prepaid hotels booked through Amex Travel

The card also includes several credits that can help offset its annual fee, including up to $120 in Uber Cash, $120 in eligible dining credits, $100 in Resy credits and $84 in Dunkin’ credits annually. Enrollment and other terms apply to select benefits.

✈️ TRAVEL THE SUB-WAY TIP

The real value of Membership Rewards points can come from transferring them to airline and hotel partners rather than simply treating them like cash back.

A 100,000-point welcome offer can potentially open the door to some outstanding award-travel opportunities when those points are transferred strategically.

⚠️ ONE VERY IMPORTANT DETAIL

American Express has eligibility restrictions on welcome bonuses. Having previously held certain Amex Gold or Platinum-family cards may affect whether you qualify.

The good news: Amex can tell you your specific offer and whether you’re approved before you accept the card. If you don’t like the offer, you’re not obligated to accept it.

Up to 100,000 transferable points + 4X dining + 4X groceries makes this one worth checking if the Amex Gold fits your normal spending.

As always, don’t spend $8,000 just to earn a bonus. This makes sense when you can meet the requirement with spending you were going to do anyway—and pay the balance in full.

✈️ Travel smarter. Earn smarter. Travel the Sub-Way.

08/19/2026

💳 BEST-EVER OFFER: $1,000 BONUS WITH NO ANNUAL FEE

If you’ve been considering a Chase business card, the Ink Business Unlimited® currently has its highest public welcome offer ever.

🔥 THE OFFER

Earn $1,000 cash back after spending $8,000 in the first 4 months.

And this is a $0 annual fee card.

For comparison:

Previous standard offer: $750
Previous high: $900
Current offer: $1,000 🎉

💰 THE MATH

The Ink Business Unlimited earns an unlimited 1.5% back on purchases.

If you spend the required $8,000:

🎁 Welcome Bonus: $1,000
💳 Rewards from $8,000 spend: $120
💰 Total rewards: $1,120

That’s effectively a 14% return on the $8,000 of spending required to earn the bonus.

✈️ TRAVEL THE SUB-WAY TIP

Here’s where this gets particularly interesting for travelers.

Although Chase markets these rewards as cash back, they’re earned as Ultimate Rewards points.

That means the $1,000 bonus equals 100,000 Ultimate Rewards points.

If you also have an eligible Ultimate Rewards card that allows transfers to travel partners, you may be able to combine those points and transfer them to programs such as World of Hyatt, Southwest, United and others.

And 100,000 Chase points can potentially be worth considerably more than $1,000 when used strategically for travel.

SHOULD YOU DO IT?

The $8,000 minimum spend is significant — about $2,000 per month for four months.

If your business naturally has that level of spending coming up, this is an outstanding opportunity.

But don’t manufacture purchases or spend money you wouldn’t otherwise spend simply to earn the bonus.

$0 annual fee + 100,000 Ultimate Rewards points = an offer worth paying attention to. 👀

✈️ Travel smarter. Earn smarter. Travel the Sub-Way.

08/17/2026

💳 EASY WAY TO EARN 5X CHASE POINTS THIS WEEK

If you have a Chase Ink Business Cash® card, Staples has a promotion worth knowing about.

Through Saturday, August 22, Staples is offering:

🎁 Fee-Free Mastercard Gift Cards

That means you can purchase eligible Mastercard gift cards without paying the normal activation fee.

WHY DOES THIS MATTER?

The Chase Ink Business Cash earns 5X Ultimate Rewards points at office supply stores on up to $25,000 in combined eligible purchases each account anniversary year.

So, hypothetically:

💳 Buy $1,800 in Mastercard gift cards at Staples
🎁 Pay $0 in activation fees during the promotion
✈️ Earn approximately 9,000 Chase Ultimate Rewards points at 5X

That’s where this deal gets interesting.

THE DETAILS

📅 August 16–22, 2026
🏪 In-store only
🎁 Limit of 9 gift cards per customer per day

Individual stores may enforce different purchase limits.

💡 TRAVEL THE SUB-WAY TIP

This can be an excellent opportunity to earn additional Chase points if you already have a legitimate use for the gift cards.

Don’t buy $1,800 in gift cards simply because they’re fee-free. Have a plan for using them for expenses you would have paid anyway.

Used responsibly, promotions like this can turn ordinary spending into a LOT more travel.

$1,800 × 5X = 9,000 Ultimate Rewards points. ✈️

And THAT is why I pay attention to office supply store promotions!

Travel smarter. Earn more. Travel the Sub-Way. 🌎

08/15/2026

💳 The Power of P2: Two Players, Twice the Opportunity

One of the easiest ways for couples to accelerate their points and miles is to play in P1/P2 mode.

Instead of treating your household as one credit-card strategy, think of it as two.

Two people means two credit profiles, two sets of welcome bonuses, more referral opportunities, and twice the ability to strategically open cards.

The basic strategy is simple:

* Take turns opening cards and focus household spending on hitting one welcome bonus at a time.
* Refer each other before applying when a referral bonus is available.
* Optimize spending categories by having each person carry the cards that earn the most on their normal purchases.
* Manage Chase 5/24 separately. P1 and P2 each have their own 5/24 count, giving a household considerably more flexibility.
* Don’t assume an authorized user can’t earn their own bonus. In many cases, P2 can later apply for the same card themselves and earn a separate welcome offer.

You don’t need complicated spreadsheets or dozens of cards.

The real power of P2 is simply coordinating your applications and spending instead of operating independently.

For couples already spending the money anyway, that can mean hundreds of thousands of additional points over time — without spending more.

08/15/2026

🌺 Alaska Airlines: Get Up to a 100% Bonus When Buying Atmos Rewards Points

If you need to top off your Atmos Rewards balance for an upcoming trip, Alaska Airlines is offering a potentially valuable points sale.

Through August 20, members can receive up to a 100% bonus when purchasing Atmos Rewards points.

✈️ What This Means

A 100% bonus essentially doubles the number of points you’re purchasing.

For example:

Buy 20,000 points → Get up to 40,000 total points

Buy 40,000 points → Get up to 80,000 total points

The exact bonus may be targeted and can depend on how many points you purchase, so you’ll want to log into your account to see your specific offer.

🏝️ When Buying Points Can Make Sense

Buying airline points usually isn’t a great idea without a specific redemption in mind. But a large bonus can be useful if you’re:

* Just short of the points needed for an award flight
* Planning a higher-value international redemption
* Booking a partner airline where the award price makes buying points worthwhile

The key is to find the award you want first and compare the cost of purchasing the necessary points with the cash price of the ticket.

⏰ Don’t Wait Too Long

The promotion ends August 20, 2026.

If you’ve been eyeing an Atmos Rewards redemption, check your account to see whether you’re eligible for the full 100% bonus before purchasing.

Bottom line: Don’t buy points just because they’re on sale. But if you already have a valuable Alaska or partner award in mind, a bonus this large could make the numbers work very nicely.

08/14/2026

💳 Amex Blue Cash Preferred: Up to $300 Back + 6% on Groceries

The Blue Cash Preferred® Card from American Express is one of the stronger cash-back cards for everyday household spending, particularly groceries.

💰 Current Welcome Offer

New cardholders may be eligible to earn up to $300 cash back after spending $3,000 on purchases within the first six months. Offers can vary by applicant.

The card also has a $0 introductory annual fee for the first year, then $95.

🛒 Everyday Earning

The Blue Cash Preferred earns:

* 6% cash back at U.S. supermarkets on up to $6,000 per year, then 1%
* 6% back on select U.S. streaming subscriptions
* 3% back at U.S. gas stations
* 3% back on transit
* 1% back on other eligible purchases

Maxing out the supermarket category alone would generate $360 in cash back each year.

📺 Additional Savings

Cardholders can also receive up to $10 per month in statement credits on eligible Disney+, Hulu or ESPN subscriptions. Enrollment is required.

That’s potentially another $120 in value each year.

✈️ One Thing Travelers Should Know

Unlike many American Express cards we cover, the Blue Cash Preferred does not earn Membership Rewards points.

It earns cash back, so there are no airline or hotel transfer partners. That makes it better suited as an everyday household card than a traditional travel-rewards card.

Bottom Line

For families spending heavily on groceries, gas and streaming, the Blue Cash Preferred can be a very rewarding card.

With up to 6% cash back in key categories, a potential $300 welcome offer, and no annual fee the first year, it’s worth considering even if you normally focus on travel rewards.

08/14/2026

🏨 Easy Bonus: Earn 500 Extra Hyatt Points Per Night at New Hotels

If you have an upcoming Hyatt stay, here’s an easy promotion worth checking before you book.

World of Hyatt members can earn 500 bonus points per qualifying night when staying at participating new Hyatt hotels around the world. (Miles to Memories)

The best part? No registration required.

Hyatt automatically awards the bonus when you stay at an eligible new property during that hotel’s promotional period. Even better, the 500-point bonus can stack with other Hyatt promotions. (Hyatt)

💰 How it works

🏨 Stay at a participating new Hyatt hotel
🎁 Earn 500 bonus World of Hyatt points per qualifying night
📝 No registration required
💳 Paid stays AND award stays can qualify
➕ The bonus can stack with other Hyatt offers

Each hotel has its own promotional window, so you’ll want to check the dates before booking. Hyatt currently lists 36 participating properties worldwide. (Hyatt)

⭐ Don’t overlook award stays

One of the nicest parts of this promotion is that you can earn the bonus even when you’re redeeming Hyatt points or a qualifying free-night award.

That means a four-night qualifying award stay could earn you 2,000 Hyatt points back without paying for the room. (Hyatt)

🔥 Potential to stack

This gets more interesting when combined with other Hyatt promotions.

For example, Hyatt currently has a separate promotion offering 2,000 bonus points for every two eligible nights, beginning with your second eligible stay, through September 7, 2026. Registration is required for that promotion. (Hyatt)

If your hotel qualifies for both promotions, the bonuses can potentially add up quickly.

✈️ Bottom line

I wouldn’t change an entire trip just to earn an extra 500 Hyatt points per night.

But if you’re deciding between two similarly priced Hyatt properties, it’s absolutely worth checking whether one is on the new-hotel list. It’s essentially free bonus points for a stay you may already be making.

And since Hyatt continues adding newly opened properties, this is one promotion worth checking whenever you’re planning a Hyatt stay.

08/14/2026

✈️ Frontier’s $199 “Unlimited Flights” Pass Is Back

If you have a flexible travel schedule, Frontier Airlines has brought back one of the more interesting cheap-travel deals out there.

Frontier is currently offering its 2026 GoWild! Fall & Winter Pass for $199, giving passholders access to unlimited eligible Frontier flights now through February 28, 2027. (Frontier Newsroom)

✈️ How it works

Once you purchase the pass, eligible GoWild flights cost just $0.01 in airfare per flight segment, plus applicable taxes, fees and charges. (Frontier Airlines FAQ)

The biggest catch is flexibility.

For standard GoWild availability:

Domestic flights: Generally bookable beginning the day before departure.

International flights: Generally bookable beginning 10 days before departure.

Frontier also offers the ability to book some GoWild flights farther in advance, but an Early Booking fee may apply. (Frontier Airlines FAQ)

💰 What does the $199 get you?

The Fall & Winter Pass is currently valid for travel through February 28, 2027, meaning someone buying now could potentially get more than six months of use from it.

There is no set limit on how many eligible trips you can take during the pass period. (Frontier Newsroom)

⚠️ The catches

This isn’t quite the same as buying a $199 ticket that lets you jump on any Frontier flight you want.

GoWild seats are subject to availability, and blackout periods can apply.

The pass also does not include extras such as seat assignments or baggage. Frontier includes one personal item with its fares, while carry-on and checked bags can cost extra. (Frontier Newsroom)

You also pay the applicable government and airport taxes and fees each time you book.

🤔 Who should consider it?

This could be a fantastic deal for someone who:

✈️ Has a flexible schedule
✈️ Lives near an airport with good Frontier service
✈️ Can travel relatively light
✈️ Likes spontaneous weekend trips
✈️ Doesn’t mind waiting until close to departure to finalize plans

It probably isn’t ideal for someone who needs to lock down specific flights months ahead of time.

But at $199, you don’t necessarily have to fly every month to come out ahead. A handful of successful trips could potentially make the pass worthwhile.

👉 Check out Frontier’s GoWild! Pass and current pricing

Bottom line: This isn’t truly “fly anywhere, anytime for free.” But for travelers with flexibility, Frontier’s GoWild Pass can create some ridiculously inexpensive travel opportunities.

Travel the SUB - Way

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