Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

Welcome to the What Card Should I Get Weekly Thread, where we try to figure out what card you should get or critique your current plans or AOR if you're doing it that way). Everything is YMMV and these are all opinions. Agree or disagree with your votes. As always read the wiki, do your research, and happy churning.

Before posting, please use the [credit card finder tool](https://www.whichcreditcardshouldiget.com) and answer the questions to get personalized recommendations based on your card history.

The site should easily be able to answer all "What card should I get?" questions. By continuing to post, you must explain why you feel the flowchart does not answer your question. Asking for feedback ("The site says I should get X - is that still the best choice?") is absolutely allowed.

I have not read most of this yet, but here you go...

Daily Rewards

Beginning 1/15/27, the rewards you earn at home and the ones you earn in your neighborhood come together in Daily Rewards. Every on-time monthly rent or mortgage payment earns a Daily Reward. So does one daily activity with a qualifying neighborhood partner: a meal, a class, or a ride.

Each Daily Reward reveals two rewards, and you choose one to claim. Rewards range from instant prizes like Bilt Points and Bilt Cash to collectibles that build toward a chance to win a grand prize, including:

• $1,000,000 toward the purchase of a home
• 10,000,000 Bilt Points
• Free rent or mortgage for a year
• Free Lyft rides for a year
• Your dream getaway

Daily Rewards will be how you're rewarded for paying rent or mortgage with a bank account, debit card, or credit card. Every monthly on-time housing payment and applicable daily neighborhood visit unlocks a reward, instant points, credits, or progress toward grand prizes.

If you are a Bilt cardholder, your point earnings don’t change. You keep earning Bilt Points on rent and mortgage just as you do today, and Daily Rewards are added on top.

Updates to Bilt Cash

• More time to use your Bilt Cash. Bilt Cash now expires at the end of the month, 12 months after it's earned. No more year-end expiration or rollover. For example, $100 earned in February 2026 will now expire on February 28, 2027.
• Book hotels with Bilt Cash, twice a year. Starting 1/1/27, Bilt Cash hotel redemptions change from monthly to twice a year. Redeem up to $50 (Blue/Silver Status - $100 per year), $100 (Gold/Platinum Status - $200 per year), or $200 (eligible Palladium cardholders - $400 per year) in Bilt Cash toward eligible Bilt Hotel bookings each time.

Status Perks

• More ways to use your points. Gold and Platinum members will be able to redeem Bilt Points at checkout for Home Away from Home hotel bookings in 2027, including access to eligible luxury hotel benefits.
• Unlock status matches with Rental Cars loyalty programs. Members with Elite Status will unlock access to the following status match offers in 2027:
  • Platinum members can unlock status matches to SIXT ONE Platinum Status, and Hertz President’s Circle®.
  • Gold and Silver members can unlock status matches to SIXT ONE Gold status and Hertz Five Star®.

Bilt says it's launching a simpler way to earn

Starting on your card account anniversary, your Bilt Card moves to a simpler set of benefits.

• Everyone earns up to 1.25X points on rent or mortgage. We’re simplifying the program and retiring Flexible Bilt Cash mode, which earns 4% back in Bilt Cash on everyday spend. If you’d like to keep earning in Flexible Bilt Cash mode, you may opt out of the new benefits in your card settings before your card anniversary date. This means you’ll keep any eligible annual credits, and you won’t be able to switch between Flexible Bilt Cash and Housing-only mode.
• Palladium and Obsidian cardholders: Your annual Bilt Cash credits are dropped on your card account anniversary. Any annual Bilt Cash credits you get with your card are now deposited on your card account anniversary instead of January 1.
• Palladium and Obsidian cardholders: Redeem Bilt Cash for Point Accelerator. All Obsidian and Palladium Cardholders with the new set of benefits will still be able to redeem Bilt Cash for Point Accelerator.
• Palladium cardholders: $600 Bilt Cash annual credit. Your $200 Bilt Cash credit and $400 hotel credit become one $600 Bilt Cash credit each year. Use it toward eligible hotel stays or across all our redemptions.
• Obsidian cardholders: $100 Bilt Cash annual credit. Your $100 Bilt Travel Hotel credit becomes $100 of Bilt Cash each year. Use it toward eligible hotel stays or across all our redemptions.
• The points multipliers you earn on everyday purchases with your Bilt Card aren’t changing.

Product Upgrades

• Product upgrades are now live in the Bilt app. Visit card settings in the Bilt app to see if you're eligible.

The next Bay Area churning meetup will be at:

Two Pitchers in Oakland at 2344 Webster Street starting from 1 PM on Sunday, November 1st.

This will be the final Bay Area churning meetup (that I organize) for 2026, so come on through to enjoy some brews and chat about how churning is dead!

Addressing some quick FAQs:

• As always, anyone is welcome to join - churner and award traveler, expert to relative newcomer alike. If you have kids, they are welcome to come if you're fine bringing them to a beer garden - there's often at least a couple in tow these days.
• Generally we've been seeing attendance of around 25 to 30+ over the course of the afternoon, sometimes more, with folks coming from all over the Bay Area.
• This shouldn't need to be an FAQ, but what do we do? Talk about churning, award travel, MS. It's a social meetup, come make friends, have fun. wind up eating my words.)

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

This is the Weekly Bank Account Bonus Thread. Use it for anything related to bank accounts and bonuses, such as:

* Churning mechanisms (DD, etc)

* Data points (did bank X bonus arrive)

* Other bank account discussions/questions

Before asking a question, first search:

• The search engine
• DoC's Bank Bonus section
• https://bankrewards.io/
• Terms and Conditions of the offer
• What to know about closing bank accounts

​

You can also call the bank with questions, but only if you are precisely following the T&C. Otherwise, don’t call the bank!

• Seriously, don’t call the bank!

Also: The mod team is aware that there are bank bonuses that either require a referral or have elevated bonuses when using a referral. Examples would be Schwab and Varo. Do not ask for referrals in this thread - if you want/need a referral for one of those accounts, please check the "Miscellaneous Referrals" thread on r/churningreferrals. Posting or soliciting referral links for those accounts will result in being banned from this sub.

Before posting, read the rules!

Please post new bank churning opportunities as top level posts for wider visibility.

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the Weekly Off-Topic thread

There's more to this hobby than just credit cards - it spreads out into travel aspirations, what luggage or wallet you're using, or what flavor kombucha your local WeWork is serving. Please use this thread to talk about all things even tangentially related to churning. Memes, jokes, and off-topic content are allowed (and encouraged) here. Please use our regular threads to ask basic questions, ask questions about what card to get, or talk about MS. But if it's off-topic elsewhere, you're on-topic here.

Regular rules still apply. Read the rules!

Have fun!

Note: Posting and soliciting referrals are still not allowed.

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

How'd your churning week go? Any super huge highs? Any thank yous you'd like to give /r/churning?

​

- Did you book an awesome Trip?

- Are you excited to share your latest redemption?

- Did you score some unexpected Miles/Points?

​

Trip Reports, Success Stories, Funny Churning Stories. Drinks with the Drunk AmEx Girl. Share them all here!

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is your place to vent about the points and miles game.

​

- Did you have a particularly hard time on your MS run this week?

- MS avenue dry up?

- Did you screw up getting a bonus?

​

Let all your frustrations go here in this thread!

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Get up to $300 in statement credits semi annually on prepaid Fine Hotels and Resorts® or prepaid stays of two nights or more at The Hotel Collection and Airbnb Luxe through American Express Travel® using your Platinum Card® or Business Platinum Card®. Effective January 1, 2027, Fine Hotels and Resorts® bookings will require a minimum two night stay to be eligible for the $600 Lodging Credit.

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.

This is the Weekly Data Points Central thread

In this little hobby of ours, we constantly rely on sharing the experiences and data points by others to optimize our award earning process. From how often you can apply for a card or bank account, to how soon a bank pays out the bonus. All the sidebar articles and information in our recurring threads are basically an abstracted version of all the DPs collected by the community at large. If you have an DP about a credit card, like a retention offer or recon experience, please post it here. If you have a DP about a bank bonus, please post it in the newest bank bonus thread (If that link doesn't work for you for whatever reason, either click on the "bank bonus" link in the sidebar or on new reddit, search for "bank bonus weekly" while limiting your search to this subreddit.

Before posting, read the rules!

Enjoy!

This is the thread to post questions about churning for miles/points/cash. Just because you have a question about credit cards does NOT mean it belongs here. If you’re brand new here, please read the wiki before posting.

* Please use the search engine first - many basic questions have been asked before.

* Please also consider scanning (CTRL-F) the last couple days worth of Question threads

* If you have questions about what card to get, ask here. If you have questions about manufactured spending, ask here. If you have questions about bank account bonuses, ask here.

This subreddit relies heavily on self-moderation. That means that if you ask something that shows you haven’t done any research, you’re going to get a lot of downvotes.

Please post topics for discussion here. While some questions can be used to start a discussion/debate, most questions belong in the question thread unless you love getting downvotes (if that link doesn’t work for you for some reason, the question thread is always the first post on our community’s front page). If your discussion is about manufactured spending, there's a thread for that. If you have a simple data point to share, there's a thread for that too.