The Golden Era of Chase Is Over (Here's What Ended It)

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Chase credit cards aren't dead, but the version of Chase that made it the default for anyone serious about points optimization is gone. Between the portal floor disappearing, the Ink train closing, Hyatt's award chart overhaul, and a Sapphire bonus that is now once per lifetime, the math on building your entire strategy around Chase looks very different in 2026 than it did even two years ago.

This is a full breakdown of every meaningful change, why Chase made these moves, and what it actually tells you about where the ecosystem is heading.

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