MyMoneyBlog.com

New limited-time 200k offer. The Marriott Bonvoy Brilliant American Express is the premium co-branded rewards card for Marriott hotels. This card has a hefty annual fee, but a closer look reveals it’s not as bad as it looks initially due to perks like flexible dining credits, airport lounge access, and elite status. Right now, there is a limited-time offer boost that is double the standard bonus. Here are the highlights:

• 200,000 Marriott Bonvoy(R) bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 05/13/2026.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant(R) American Express(R) Card at restaurants worldwide.
• Automatic Marriott Bonvoy(R) Platinum Elite Status.. With Marriott Bonvoy(R) Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
• Priority Pass(TM) Select airport lounge membership, with an unlimited number of visits to over 1,200 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks and internet access in a quiet, comfortable location. Enrollment required.
• 6X Marriott Bonvoy(R) points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• 3X points at restaurants worldwide and on flights booked directly with airlines.
• 2X points on all other eligible purchases.
• Up to 21X Marriott Bonvoy(R) points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant(R) American Express(R) Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
• $100 Marriott Bonvoy(R) Property Credit: Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton(R) or St. Regis(R) when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck®. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy(R) points) at hotels participating in Marriott Bonvoy(R), such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant(R) American Express(R) Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• 25 Elite Night Credits each calendar year.
• No Foreign Transaction Fees.
• $650 Annual Fee.

Keep in mind the following:

You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® American Express Luxury Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from JPMorgan or the J.P. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.

This is why you should be looking to get the best possible bonus when you do apply.

$300 Dining Statement Credit. As long as you make $25 in restaurant purchases on this card each month, they $300 in annual dining statement credits should be easily obtainable. This knocks down the scary $650 annual fee down to effectively $350 net. My first read of this perk was that you had to spend it at a Marriott hotel restaurant, but in fact you can make the purchase at any restaurant worldwide.

You can receive up to $300 in statement credits issued to your Card Account for eligible purchases charged to your Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide. Purchases by both the Basic Card Member and Additional Card Members on an eligible Card Account are eligible for statement credits. Each Card Account is eligible for up to $25 in statement credits per month, for a total of up to $300 per calendar year in statement credits across all Cards on the Account.

Priority Pass Select. Includes access at over 1,200 airport lounges for the cardholder plus two guests free. Enrollment required. I’m not sure how I’d value this perk, but I’ve definitely enjoyed it in the past.

Marriott Bonvoy Brilliant American Express® Card Members must enroll in the Priority Pass Select program through the benefits section of their americanexpress.com account or by calling the number on the back of their Card to receive the benefit. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass Select lounge that admits guests, you may bring in two guests for no charge.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Since 2022, Marriott no longer has a fixed hotel category chart for booking points. You can still use these points at either long-time Marriott brands (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood brands (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. Other estimates that I’ve seen are 0.8 cents per point. That means 200,000 Bonvoy points = estimated $1,400 redeemable value. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points. With the flexibility of points, you could book a week stay at a modest hotel or a couple nights at a luxury resort.

You can use the Marriott free night search tool to price out some sample hotels for yourself.

Free Night Award (85K) with Card Renewal. At your card anniversary (when you pay the annual fee), you will receive a Free Night Award that is good for one night (redemption level at or under 85,000 Marriott Bonvoy points) at a participating hotel. This is a much better perk than the other 35K and 50K free night awards out there. It’s definitely not hard to get $350 of value out of this award. Here are some sample hotels that I have tried to book in the past that came in at or under 85,000 points for selected dates:

• The Ritz-Carlton Maui, Hawaii
• JW Marriott Maldives Resort & Spa
• Prince de Galles, a Luxury Collection Hotel, Paris
• The St. Regis Deer Valley
• The Ritz-Carlton Georgetown, Washington, DC
• The Ritz-Carlton Bachelor Gulch, Colorado.
• The Ritz-Carlton, Koh Samui (Thailand)
• The Mauna Kea Beach Hotel (Big Island, Hawaii)
• The St. Regis Maldives Vommuli Resort
• Wailea Beach Resort – Marriott, Maui

NEW: Certificates can be combined with up to 25,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 25,000 points of your own. In other words, if your certificate is worth 85,000 points, the maximum hotel value you can redeem for is 110,000 points after adding 25,000 points of your own. Here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. You can convert your Bonvoy points to miles at 39 participating airlines. The standard ratio with most programs is 3:1 (60,000 Bonvoy: 20,000 airlines) miles. Most programs will add on a bonus 5,000 miles for every 60,000 points you transfer to frequent flyer miles (does not apply to American Airlines AAdvantage, Avianca LifeMiles, Delta SkyMiles and Korean Air SKYPASS.) If you’re a United MileagePlus® member, you’ll get 10,000 bonus miles for every 60,000 points you transfer. More information here.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great, so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Bottom line. The Marriott Bonvoy Brilliant American Express has a long list of perks, including a flexible dining credit on restaurant purchases, airport lounge access, and a valuable free night award each card anniversary. During this limited-time offer, the net first-year value is over $1,000. I would value the points at $1,400 plus the $300 in annual dining credit, minus the $650 annual fee. As with all hotel cards, the value will only be there if you can use the points.

Also see: Top 10 Best Credit Card Bonus Offers.

New limited-time 175k offer. The Marriott Bonvoy Bevy American Express is the mid-tier co-branded rewards card for Marriott hotels. Right now, there is a limited-time offer boost, making it worth a look. Here are the highlights:

• 175,000 Marriott Bonvoy(R) bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer ends 05/13/2026.
• Free Night Award (50k). Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy® American Express® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. You can top-up the Free Night Award with up to 25,000 of your own points, getting you up to a 75,000 points award night.
• 1,000 Bonus Points Per Stay. Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
• Automatic Marriott Bonvoy(R) Gold Elite Status.
• 6X Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• 4X Bonvoy points at restaurants worldwide, including takeout and delivery in the U.S., and U.S. Supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
• 2X points on all other eligible purchases.
• 15 Elite Night Credits each calendar year.
• $250 Annual Fee.

Keep in mind the following:

You may not be eligible to receive a welcome offer if you have or have had this Card, the Marriott Bonvoy Brilliant® American Express® Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from J.P. Morgan, the J.P. Morgan Ritz-Carlton Rewards® Credit Card, the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy® Premier Credit Card from Chase, the Marriott Rewards® Premier Credit Card from Chase, the Marriott Bonvoy® Credit Card from Chase, the Marriott Rewards® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, the Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business® Credit Card from Chase, or the Marriott Rewards Business® Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.

This is why you should be looking to get the best possible bonus when you do apply.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Since 2022, Marriott no longer has a fixed hotel category chart for booking points. You can still use these points at either long-time Marriott brands (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood brands (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. Other estimates that I’ve seen are 0.8 cents per point. That means 175,000 Bonvoy points = estimated $1,200 redeemable value. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points. With the flexibility of points, you could book a week stay at a modest hotel or a couple nights at a luxury resort.

You can use the Marriott free night search tool to price out some sample hotels for yourself.

NEW: Certificates can be combined with up to 25,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 25,000 points of your own. In other words, if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 75,000 points after adding 25,000 points of your own. Here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. You can convert your Bonvoy points to miles at 39 participating airlines. The standard ratio with most programs is 3:1 (60,000 Bonvoy: 20,000 airlines) miles. Most programs will add on a bonus 5,000 miles for every 60,000 points you transfer to frequent flyer miles (does not apply to American Airlines AAdvantage, Avianca LifeMiles, Delta SkyMiles and Korean Air SKYPASS.) If you’re a United MileagePlus® member, you’ll get 10,000 bonus miles for every 60,000 points you transfer. More information here.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great, so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Bottom line. The Marriott Bonvoy Bevy American Express is having a limited-time offers, such that the first-year value is over $900, assuming that you are looking to redeem Bonvoy points at a Marriott hotel.

Also see: Top 10 Best Credit Card Bonus Offers.

The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (which includes The Ritz-Carlton, St. Regis, JW Marriott, W Hotels, Sheraton, Westin, Marriott, Renaissance, Courtyard, Residence Inn, and Fairfield brands). Right now, there is a special offer that is higher than the standard offer. Here are the highlights:

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases within the first 3 months from account opening. Earn 1 additional Free Night Award after spending $4,000 total on eligible purchases within 4 months of account opening. You are also now allowed to top off the award nights with up to 25,000 of your own points, in order to reach a 75,000 point award night. Certain hotels have resort fees.
• 2026 Exclusive Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases. The credit are split up semi-annually. Spend $250 between Jan. 1 and June 30 to earn a $50 statement credit. Earn another $50 statement credit after spending $250 or more between July 1 and Dec. 31.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Boundless(R) Card.
• 2X points for every $1 spent on all other purchases.
• Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
• 15 Elite Night Credits each calendar year.
• No Foreign Transaction Fees.
• $95 annual fee.

Keep in mind the following:

This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.

The new cardmember bonus is not available to you if (1) you currently have or had any of the following cards within the last 30 days: Marriott Bonvoy® American Express® Card, The Starwood Preferred Guest® Credit Card from American Express; or if (2) you applied and were approved for any of the following cards within the last 90 days or (3) received a new cardmember bonus or upgrade bonus for any of the following cards within the last 24 months: Marriott Bonvoy Business® American Express® Card, Starwood Preferred Guest® Business Credit Card from American Express, Marriott Bonvoy Brilliant® American Express® Card, Starwood Preferred Guest® American Express Luxury Card, Marriott Bonvoy Bevy American Express® Card.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Since 2022, Marriott no longer has a fixed hotel category chart for booking points. You can still use these points at either long-time Marriott brands (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood brands (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. Other estimates that I’ve seen are 0.8 cents per point. That means 50,000 Bonvoy points = estimated $350 redeemable value. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points. With the flexibility of points, you could book a week stay at a modest hotel or a couple nights at a luxury resort.

You can use the Marriott free night search tool to price out some sample hotels for yourself.

NEW: Certificates can be combined with up to 25,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 25,000 points of your own. In other words, if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 75,000 points after adding 25,000 points of your own. Here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. You can convert your Bonvoy points to miles at 39 participating airlines. The standard ratio with most programs is 3:1 (60,000 Bonvoy: 20,000 airlines) miles. Most programs will add on a bonus 5,000 miles for every 60,000 points you transfer to frequent flyer miles (does not apply to American Airlines AAdvantage, Avianca LifeMiles, Delta SkyMiles and Korean Air SKYPASS.) If you’re a United MileagePlus® member, you’ll get 10,000 bonus miles for every 60,000 points you transfer. More information here.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great, so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

No annual fee alternative. The Marriott Bonvoy Bold card is also offers bonus points and some (lesser) perks, but with no annual fee.

Bottom line. The Marriott Bonvoy Boundless credit card is currently offering a special offer for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free night award every year should easily cover the annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

Updated offers March 2026. Brokerage app Moomoo is offering a couple of new promotions for new customers (or existing ones that haven’t funded their accounts yet), one for cash deposits and one for ACAT transfers.

Cash deposit bonus. New customers can get $1,000 of NVDA stock + 8.1% APY for 2 months via referral link if they make a net deposit of $100,000+ by 8/31/26. The minimum hold period is 180 days for the $1,000 tier. The extra 4.75% APY is only valid for 2 months on the first $20,000 of cash sweep deposits. Full terms here. There are also lower tiers:

To be clear, this is for cash deposits, not ACAT transfers. You can invest the cash into stocks and options, but you can’t withdraw during the hold period. Earning $1,000 on $100,000 for a 180 day hold works out to 2% annualized, which is not nearly as good as in the previous version of this offer where it was a 60-day hold and thus 6% annualized.

ACAT transfer bonus.If you have existing investments of ETFs or stocks, new customers can get a 3% transfer bonus + 8.1% APY for 2 months. Maximum bonus is $600 on $20,000 transferred. The 3% bonus is paid out in quarterly installments and fully paid after a year. You must transfer “stocks, certain options, ETFs, and cash to MFI using an ACAT transfer from your existing brokerage account.” For the 8.1% APY, the extra 4.75% APY is only valid for 2 months on the first $20,000 of cash sweep deposits. Full terms here.

A 3% transfer bonus with a year minimum hold is pretty good, too bad it is only for new customers and the cap is at $20k transferred. Here the details of the 3% bonus:

A 3% match of the first transfer amount. The match amount is limited to the first $1-$20,000 transferred in. The match will be given as a “Cash Coupon” and credited in four equal quarterly installments. The first installment will be unlocked on Day 90 following the settlement date of the Qualified Transfer-In; the second on Day 180; the third on Day 270; and the fourth on Day 360. Each installment equals 25% of the Cash Coupon; the total Cash Coupon equals 3% of the Transfer Amount.

What Moomoo calls a “Cash Coupon” is not a direct cash credit to your account; it works like a coupon that rebates a future stock trade. You may have to activate it and then make a trade to claim it. In the past, I have chosen to just buy (and then sell) enough SGOV (again, a conservative T-Bill ETF) to trigger it in a simple manner if you don’t have other stock trades you plan to make. For example, you might need to buy a single $101 share of SGOV to trigger a $100 cash reward into your account. It was a bit of a hassle, but I’ve always managed to convert all my Moomoo “Cash Rewards” or “Cash Coupons” converted to actual cash.

CIT Bank has a new limited-time Platinum Savings APY Boost Promotion, offering a boosted interest rate of 4.10% APY for 6 months on their Platinum Saving account that is 0.35% APY above the standard APY (currently 3.75% APY) for balances of $5,000 and above. Thankfully, this offer is available to both new and existing customers that activate the promotion.

New customers will need to sign up for a new CIT Bank Platinum Savings account using the promo code CITBoost to qualify. There is a $100 minimum balance required to open, and you will need a $5,000 minimum balance to get the higher interest rate on this tiered account. There are no monthly service fees.

Existing customers with a Platinum Savings account opened prior to the promotion must enroll via the enrollment web page using promo code CITBoost. You will not get the 6-month boost automatically. Note that the terms also add the following:

Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:

– They are earning an APY over the standard rate.
– They participated in a cash bonus promotion in the past 6 months.

Still, I am appreciative that existing customers are again eligible for this promotion, as most other banks will only allow new customers to participate.

Note that if the base rate on the Platinum Savings account changes, during the promo you will maintain a 0.35% APY interest rate boost above the standard interest rate.

1APY disclosure for Platinum Savings:

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of day account balance. *APYs — Annual Percentage Yields are accurate as of February 17, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

2 Discloser on multipliers:

Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

* Platinum Savings APY Boost Promotion Terms and Conditions

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion.

The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on February 13, 2026, and ends April 13, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

For complete list of account details and fees, see the CIT Bank Personal Account disclosures.