Chase's premium small business card is getting a tune-up, with one change working in cardholders' favour and another that will only matter to a tiny handful of heavy spenders.
The good news lands on January 1, 2027, when the annual credit for The Edit by Chase Travel — the bank's curated portal for luxury and high-end hotels — doubles from $500 to $1,000 per calendar year. The mechanics stay the same, just more of them: instead of two $250 credits per year, cardholders will get up to four, and each stay still needs to be a minimum of two nights to trigger a credit.
It's worth remembering what The Edit bookings actually include, because the credit is only part of the value. Reserving through the portal adds perks similar to a hotel programme booking: a $100 property credit to use on site, daily breakfast for two, and a room upgrade when one is available. For a business owner already paying premium rates, stacking a $250 statement credit on top of those extras makes a two-night stay noticeably better value.
The less welcome change hits the card's 3x points category on social media and search engine advertising. From November 15, 2026, that bonus rate applies only to the first $1 million of ad spend per account anniversary year; beyond that, purchases earn 1x points. Chase defines the anniversary year as running from November 15, 2026 to the cardholder's next annual-fee statement, and every 12 months after that.
In practice, almost nobody will feel this. A million dollars of annual advertising on a single credit card is super-user territory, and Chase is clearly trimming the tail of extreme spenders who were racking up millions of points a year. Everyone else keeps earning 3x on ad spend exactly as before. Crucially, the card's other bonus categories — including 4x points on flights and hotels booked directly — remain uncapped, so frequent travellers who put real spend through the card lose nothing here.
Why should a traveller care? If you run a business and carry this card, the hotel credit doubling is genuinely useful, especially if you can align two-night stays with The Edit properties around work trips. Four separate credits a year means you could cover roughly one luxury hotel stay per quarter rather than cramming value into two. The ad-spend cap, meanwhile, is background noise for the vast majority of cardholders — but if your business spends heavily on digital marketing, it's worth checking where you sit against the $1 million line before November 2026.
On balance, this reads as Chase giving a little back while quietly closing a loophole. Most cardholders will notice the bigger hotel credit; very few will ever come close to the new points ceiling.