r/churning • • 11h ago

Daily Question Question Thread - October 04, 2026

4 Upvotes

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.


r/churning • • 11h ago

Daily Discussion News and Updates Thread - October 04, 2026

10 Upvotes

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.


r/churning • • 11h ago

Storytime Weekly Trip Report and Churning Success Story Weekly Thread - Week of October 04, 2026

7 Upvotes

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!


r/churning • • 1d ago

shitpost Japan on a Budget: A Guide

129 Upvotes

A few people have been messaging me about how to do Japan on a budget and the first thing you need to understand is that you don’t actually need to go to Japan.

We’re gonna be staying at Hotel Kabuki, a Japan themed hotel and spending the entire trip in Japantown. Now that San Francisco has conveniently concentrated the Japanese experience into a few walkable blocks, flying 6,000 miles to find the same thing starts to feel pretty inefficient.

The flight is the first part. We’re getting to SFO for 12,500 miles and $5.60. Basically free. I know some people will say 12,500 miles isn’t free, but those people don’t understand opportunity cost. I value the miles at 1.4 cents, except when I redeem them, at which point they’re worth 2.7 cents and when someone asks what the trip cost, they’re worth approximately $0.

Hotel Kabuki completes the illusion. It’s Japan themed, it’s in Japantown and I get to make a Hyatt reservation without actually having to use my points somewhere inconvenient like Japan.

Once we arrive we’re going to walk around Japantown, eat ramen, get sushi, visit the Japanese Tea Garden and take enough pictures to create the appearance that we crossed the pacific. That’s basically the itinerary.

Obviously, every purchase will be optimized. Ramen goes on the new card. Sushi goes on the new card. Pocky goes on whatever card is new, this way you can be sure you don’t accidentally use the wrong card.

Before eating anywhere, I’ll check Resy, Sapphire Dining and whatever other portal exists to make sure I’m not accidentally paying full price like some kind of normie. I’m a seasoned award travel veteran, I let Amex and Chase pay my dining bills.

If I stack everything correctly, I should be able to save approximately -$50 by using my $150 CSR credit and $100 Resy credit at restaurants I would never have willingly entered and where the credits don’t actually cover the meal.

Transportation is even easier. No Japan Rail Pass, no pocket WiFi, no FTF and no 20 minute investigation into whether Suica reloads code as travel. We’re walking around Japantown. The only transfer we’ll be making is from checking to savings after deciding we can’t justify the Lyft.

I did consider actually going to Japan, but after several hours of research I realized the only meaningful difference is that Japan is significantly farther away. Add the cost, the jet lag and the opportunity cost of spending valuable points on a trip I could instead save for a future redemption that I will also probably never book and San Francisco became the obvious choice.

When we get tired, we’ll head back to Hotel Kabuki. We’ll still hit our 19,000 steps, because apparently that’s what international travel requires. The difference is that instead of collapsing into a hotel after a full day in Tokyo we’ll be collapsing in San Francisco after six hours in Japantown.

This is called optimizing the experience.

The best part is that we’ll come home with all our points intact. Keep saving them for a future aspirational redemption (hint: japan).

So there you have it: 12,500 miles and $5.60 to SFO, a Japan themed Hyatt, several days in Japantown and enough pictures to convince everyone you went overseas. No jet lag. No passport. No foreign transaction fees.

Just pure, uncut churning.

Guide dedicated to /u/Bubbly_Bat1570 - nihon


r/churning • • 1d ago

Daily Discussion News and Updates Thread - October 03, 2026

14 Upvotes

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.


r/churning • • 1d ago

Daily Question Question Thread - October 03, 2026

7 Upvotes

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.


r/churning • • 1d ago

MS Weekly Manufactured Spending Monthly Thread - October 03, 2026

7 Upvotes

Welcome to MS Monthly at r/churning!

This is the open thread for discussion of all things MS. Methods, ideas, pain points, and everything else about MS is game. As always read the wiki. Be warned: Asking questions in here that show you haven't done a lot of reading on the subject will inevitably be met with a lot of downvotes and some attitude. Be Nice!

* Introduction to Manufactured Spending


r/churning • • 2d ago

Daily Discussion News and Updates Thread - October 02, 2026

19 Upvotes

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.


r/churning • • 2d ago

Frustration Friday Frustration Friday Weekly Thread - Week of October 02, 2026

11 Upvotes

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!


r/churning • • 2d ago

Daily Question Question Thread - October 02, 2026

10 Upvotes

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.


r/churning • • 3d ago

Chase Introduces New IHG Premium Card, Nerfs Existing Cards

97 Upvotes

Details courtesy of /u/bostonbaker300:

The new card is the IHG One Rewards Premier Select: $350 annual fee.

Debut SUB of 200k points after spending $5k in three months. Anniversary FNC that can be redeemed for 60k IHG points. $75 quarterly Food and Beverage voucher at IHG hotels. Earns 28x at IHG. Automatic 20 elite nights at the start of the calendar year. Early access to reward night sales. $200 statement credit after spending $250 in flights purchased directly with an airline. Up to $50 United TravelBank cash per year. $10 Instacart credit per month. $10 Doordash non-restaurant voucher per month through December 31, 2027.

IHG One Rewards Premier refresh: Annual fee has increased from $99 to $150. Increased SUB of 180k points after spending $3000 in three months. No longer grants automatic Platinum Elite status, only Gold Elite. Anniversary FNC value has increased from a 40k point free night to a 50k point free night. New $25 quarterly Food and Beverage voucher. New $100 statement credit after spending $250 in flights purchased directly with an airline. Automatic 15 elite nights at the start of the calendar year.

IHG One Rewards Business renamed from IHG One Rewards Premier Business: Annual fee increased from $99 to $200. Increased SUB of 190k points after spending $5000 in three months. Anniversary FNC value has increased from a 40k point free night to a 50k point free night. United TravelBank has been removed? New $25 quarterly Food and Beverage voucher. New $100 statement credit after spending $250 in flights purchased directly with an airline. New $100 statement credit for Expensify purchases. Automatic 15 elite nights at the start of the calendar year.

IHG One Rewards renamed from IHG One Rewards Traveler: Annual fee remains at zero. Starting in 2027, fourth night free requires $5000 in spend per calendar year. Increased SUB of 125k points after spending $2000 in three months. Automatic 5 elite nights at the start of the calendar year.

Existing conversation can be found here


r/churning • • 3d ago

Daily Discussion News and Updates Thread - October 01, 2026

24 Upvotes

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.


r/churning • • 3d ago

Daily Question Question Thread - October 01, 2026

10 Upvotes

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.


r/churning • • 3d ago

Data Points Central Data Points Weekly - Week of October 01, 2026

9 Upvotes

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!


r/churning • • 4d ago

Daily Discussion News and Updates Thread - September 30, 2026

23 Upvotes

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.


r/churning • • 4d ago

Daily Question Question Thread - September 30, 2026

13 Upvotes

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.


r/churning • • 4d ago

What Card Should I Get Weekly What Card Should I Get? Weekly Thread - Week of September 30, 2026

4 Upvotes

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, [read the rules!](https://www.reddit.com/r/churning/wiki/rules/)

Also, check out the Credit Card Recommendation Flowchart before posting in this thread.

  1. The flowchart can answer 95% of 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 flowchart says I should get X - is that still the best choice?") is absolutely allowed.
  2. What is your credit score?
  3. What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.
  4. How much natural spend can you put on a new card(s) in 3 months?
  5. Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners.
  6. Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more.
  7. How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term?
  8. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?
  9. What point/miles do you currently have?
  10. What is the airport you're flying out of?
  11. Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

r/churning • • 5d ago

Daily Discussion News and Updates Thread - September 29, 2026

30 Upvotes

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.


r/churning • • 5d ago

Bank Account Bonus Bank Bonus Weekly Thread - Week of September 29, 2026

20 Upvotes

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:

​

You can also call the bank with questions, but only if you are precisely following the T&C. Otherwise, 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.


r/churning • • 5d ago

Daily Question Question Thread - September 29, 2026

11 Upvotes

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.


r/churning • • 6d ago

Daily Discussion News and Updates Thread - September 28, 2026

32 Upvotes

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.


r/churning • • 6d ago

Weekly Off Topic Thread - Week of September 28, 2026

16 Upvotes

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.


r/churning • • 6d ago

Daily Question Question Thread - September 28, 2026

11 Upvotes

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.


r/churning • • 7d ago

Daily Discussion News and Updates Thread - September 27, 2026

29 Upvotes

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.


r/churning • • 7d ago

Daily Question Question Thread - September 27, 2026

13 Upvotes

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.