There’s been a trend where credit card issuers increase annual fees on rewards cards, and attempt to make up for it by adding credits and rebates for somewhat random things (which often require a lot of mental effort and organization to put to use.) Today, we’ll speculate how far this trend is going to go…
Coffee Break: Which cards will be couponized next?
Watch here…
Or listen here…
(00:53) – Recent history of couponization
(05:41) – Expected refresh of Platinum card
Check out the Coffee Break episode 47 where we discussed an expected refresh here, or read more about even more refreshed Platinum card predictions here.
(06:33) – Next Airline Card(s)
(12:04) – Next Hotel Card(s)
(15:10) – Next Consumer Transferable Points Card(s)
(17:25) – Next Business Transferable Points Card(s)
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Music Credit – Beach Walk by Unicorn Heads

I think the Brilliant and Aspire cards are the only ones that do it right, credits which are easy to use and make sense with the brand (Aspire giving you credits for flights and resort stays, Brilliant’s dining credit which can be used anywhere). Other card coupons often don’t even make sense (Walmart and the Platinum card?) or are too difficult to use to be of value.
For the Chase hotel cards, I can see a $150 AF increase that gives you maybe like 50,000point IHG free night, and a Cat 1-5 for the Hyatt card along with some coupons. Hopefully they’ll actually be relevant for people but I can see Chase just doing the dumb instacart and car rental thing again.
While I can turn a profit on, say, the Amex Delta Reserve, the juice isn’t worth the squeeze. So, while the card issuers might see coupons as attractors, I see them as detractors. And, I’m driven towards greater discipline. . . towards fewer cards . . . asking which do I really, really need.