What actually changed on the cards in our database, dated, with the consequence spelled out. A devaluation is news here in exactly the way a new bonus is. Checking and savings bonuses and rate moves are here too.
November 2026
Nov 9, 2026 (approx.)
Signup offer
Freedom Flex bonus drops back to $200
Chase's Freedom Flex page now shows a $200 bonus after $500 in purchases in the first three months. The $250 offer and its ending soon label are gone. Frequent Miler reports the drop happened on November 5. Freedom Unlimited shows the same $200 offer.
source · date could not be pinned exactly in our research
Nov 9, 2026 (approx.)
Signup offer
Marriott Bonvoy Boundless offers 200,000 points this week only
Chase's page says this week only: 200,000 bonus points after $3,000 in purchases within three months. The page is marked offer ending soon and prints no end date. Doctor of Credit reports November 11 as the last day. A separate offer gives up to $100 in airline statement credits through June 30, 2027.
Chase Marriott Bonvoy Boundless
source · date could not be pinned exactly in our research
Nov 9, 2026 (approx.)
Signup offer
World of Hyatt card offers four Category 1 to 4 free nights
Chase's page shows a new limited-time offer: four free nights at any Category 1 to 4 Hyatt hotel after $5,000 in purchases within three months. The earlier offer was 30,000 points plus up to 30,000 more from a 2x boost. The page prints no end date. The annual fee stays $95.
Chase World of Hyatt
source · date could not be pinned exactly in our research
Nov 9, 2026 (approx.)
Signup offer
Atmos Ascent and Summit offers rise to 70,000 and 100,000 points
Bank of America's pages now show limited-time online offers. The Atmos Rewards Ascent card gives 70,000 points and a $99 Companion Fare after $2,500 in purchases in 90 days. The Summit card gives 100,000 points after $6,500 in 90 days. The Summit offer text names a 25,000-point Global Companion Award while its banner names a 50% flight discount code. Neither page prints an end date.
Bank of America Atmos Rewards Ascent Visa SignatureBank of America Atmos Rewards Summit Visa Infinite
source · date could not be pinned exactly in our research
Nov 9, 2026 (approx.)
Signup offer
IHG card launch offers are now marked ending soon
Chase's pages for the IHG One Rewards Premier Select (200,000 points after $5,000), Premier (180,000 after $3,000) and IHG One Rewards Credit Card (125,000 after $2,000) now carry an offer ends soon label. None prints a date. Upgraded Points reports November 18 as the last day.
Chase IHG One Rewards Premier SelectChase IHG One Rewards PremierChase IHG One Rewards Credit Card
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Signup offer
Southwest personal cards offer 80,000 to 90,000 points
Chase shows 80,000 points on the Plus after $1,000 in three months, 85,000 on the Premier after $2,000, and 90,000 on the Priority after $3,000. Chase calls each a limited-time offer and gives no end date. The welcome bonus still counts toward the Companion Pass for cardmembers approved by December 2, 2026.
Chase Southwest Rapid Rewards PlusChase Southwest Rapid Rewards PremierChase Southwest Rapid Rewards Priority
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Signup offer
Discover it Cash Back adds a $200 bonus on top of Cashback Match
New cardmembers earn a $200 statement credit after $500 in purchases in the first three months. Discover still matches all cash back earned in the first year. The card has no annual fee. Discover gives no end date.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Benefit change
AAdvantage Executive adds $200 a year in inKind dining credits
Citi's page now lists $200 in dining credits each year through the inKind app. The credit comes as $100 for January through June and $100 for July through December. The annual fee stays $695. The welcome offer is 80,000 miles after $8,000 in three months.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Benefit change
Amex Platinum's $600 Lodging Credit now covers Airbnb Luxe
Prepaid Airbnb Luxe stays booked through Amex Travel now count toward the credit. Airbnb Luxe bookings need a two-night minimum stay. Amex now calls the benefit the Lodging Credit. It still pays up to $300 per half year.
American Express The Platinum Card
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Signup offer
Freedom Flex's $250 bonus is marked ending soon
Chase's Freedom Flex page now carries an offer ending soon label on the $250 bonus after $500 in three months. Chase gives no end date. The offer rose from its usual level in early October.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
New card
PenFed launches the no-fee Defender Rewards Visa Signature
PenFed's new card has no annual fee and pays a 15,000-point bonus after $1,500 in purchases in 90 days. PenFed lists 5x on gas at the pump and EV charging and 3x at military exchanges, commissaries and sporting goods stores, though one section of its page swaps those two rates. Anyone can join PenFed. The card is not in our data yet.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Rate change
Ally Online Savings pays 3.20% APY
Ally's page shows 3.20% APY as of October 30, 2026, up from the 3.10% it showed on October 19. There is still no account-opening bonus. There are no monthly fees.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Bank bonus
Rate change
Axos ONE 5.00% savings boost now runs to December 1
Axos moved the open-by date for its 0.79% APY boost from October 31 to December 1, 2026. The boost lifts Axos ONE Savings to 5.00% on the first $49,999.99 for six statement cycles. It still requires $1,500 in monthly direct deposits and a $1,500 average checking balance, or $5,000 of each.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Bank bonus
Wells Fargo pays $400 for a new checking account through November 9
Wells Fargo's welcome bonus page pays $400 after $1,000 or more in qualifying direct deposits within 90 days of opening. The offer ends November 9, 2026. The separate $325 offer still runs to January 13, 2027. Both exclude anyone who received a Wells Fargo checking bonus in the past 12 months.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Bank bonus
Capital One 360 Performance Savings pays up to $1,500
Capital One pays $75, $300, $750 or $1,500 for $5,000, $20,000, $50,000 or $100,000 in outside money deposited within 15 days and held 90 more days. Use promo code EARN1500. There is no end date. Anyone who had a Capital One savings account on or after January 1, 2024 is not eligible.
source · date could not be pinned exactly in our research
Nov 2, 2026 (approx.)
Bank bonus
Schwab pays up to $1,000 for a new Investor Checking account
Charles Schwab Bank pays $250, $500 or $1,000 for $25,000, $50,000 or $100,000 in new money deposited by November 10, 2026 and kept through December 25, 2026. New clients must open a Schwab One brokerage account linked to the checking account. There are no monthly fees. The offer is not open to anyone with an existing Investor Checking account.
source · date could not be pinned exactly in our research
Nov 2, 2026
Benefit change
Capital One adds Copa as a 2:1.5 transfer partner
Capital One's transfer partner page, dated November 2, lists Copa among the airlines that convert at 2:1.5, alongside Emirates, EVA Air and Japan Airlines. Venture, Venture X and VentureOne miles can move there. Doctor of Credit reports a 30% launch transfer bonus. Capital One's page shows no bonus.
October 2026
Oct 29, 2026
Benefit change
Amex Blue Cash rewards can now go into an Amex savings account
U.S. consumer cash back cardmembers can redeem Reward Dollars straight into an American Express High Yield Savings account. There is no minimum redemption. Amex plans automatic redemptions in 2027.
Oct 28, 2026
Rate change
The Fed held its target range at 3.75% to 4.00%
The Federal Reserve left the federal funds target range unchanged on October 28. Two members voted for a quarter-point increase. Banks set savings APYs on their own schedule.
Oct 27, 2026
Devaluation
Benefit change
Bilt retires 4% Flexible Bilt Cash and expires Bilt Cash after a year
Bilt announced program changes on October 27, 2026. Flexible Bilt Cash mode, which pays 4% back in Bilt Cash on everyday spend, is retired at each card's account anniversary unless the cardholder opts out in card settings first. Bilt Cash now expires at the end of the month 12 months after it is earned. Palladium's $200 Bilt Cash credit and $400 hotel credit become one $600 Bilt Cash credit, Obsidian's $100 hotel credit becomes $100 of Bilt Cash, and from January 1, 2027 Bilt Cash hotel redemptions drop from monthly to twice a year.
Oct 20, 2026 (approx.)
Benefit change
Sapphire Reserve's product page now lists $420 in DoorDash promos
Chase's main Sapphire Reserve page now shows $420 a year in DoorDash promos. It says the promos are available through 12/31/29. DashPass activation also runs through 12/31/29. This matches the tenth anniversary page.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Signup offer
Capital One Savor bonus returns to $200
Capital One's Savor page offers $200 after $500 in 3 months. The site previously showed an elevated $250 offer.
Capital One Savor Cash Rewards
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Signup offer
Capital One Venture adds a $300 travel credit to its bonus
The Venture card offers 75,000 miles after $4,000 in 3 months. New cardholders also get $300 for hotels and vacation rentals through Capital One Travel in year one. The annual fee is $95.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Rate change
Ally Online Savings pays 3.10% APY
Ally shows 3.10% APY on Online Savings as of October 19, 2026. There is no account-opening bonus. There are no monthly fees.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Rate change
Marcus Online Savings pays 3.50% APY
Marcus shows 3.50% APY as of October 19, 2026. There is no cash bonus. A referral adds 1.00% APY for three months for both people.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Rate change
Bank bonus
Wealthfront Cash pays 3.55%, and 4.20% for new clients
Wealthfront's base APY is 3.55% as of October 1, 2026. New clients get 0.65% more for three months on up to $150,000. That makes 4.20%.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Chase offers $400 for a new Total Checking account
Chase pays $400 after $1,000 in direct deposits within 90 days. The offer expires January 27, 2027. The $15 monthly fee is waived with $500 in monthly electronic deposits, among other ways.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Wells Fargo pays $325 for a new checking account
Wells Fargo pays $325 after $1,000 in qualifying deposits within 90 days. The offer ends January 13, 2027. You cannot have received a Wells Fargo checking bonus in the past 12 months.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Amex Rewards Checking offers $300 with direct deposit
Amex pays $300 after $7,500 in direct deposits within 90 days. Open the account by February 1, 2027. The account has no monthly fee and pays 1.00% APY.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
U.S. Bank Smartly bonus of up to $450 ends November 10
U.S. Bank pays $250 to $450 based on direct deposits within 90 days. The top tier needs $8,000. Apply by November 10, 2026. The offer may not be available outside the U.S. Bank footprint.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
TD Bank checking bonuses of $200 and $300 end November 30
TD Complete pays $200 after $500 in direct deposits within 60 days. TD Beyond pays $300 after $2,500. TD may take back the bonus if you close within six months.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Huntington offers $400 or $600 for new checking accounts
Perks Checking pays $400 after $500 in direct deposits within 90 days. Platinum Perks pays $600 after $25,000 in new money. Apply by January 15, 2027. The offer is limited to 21 states.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Truist pays $500 for direct deposits and debit card use
Truist pays $500 after $2,000 in direct deposits and 20 debit purchases within 120 days. Open by February 2, 2027. The offer covers 17 states and DC.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
KeyBank checking bonuses of $300 and $500 end December 11
Key Smart Checking pays $300 after $2,000 in direct deposits within 90 days. Key Select pays $500 after $5,000. Open by December 11, 2026.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
BMO pays up to $600 over six months of direct deposits
BMO pays $100 a month for up to six months. Each month needs $1,000 in direct deposits. Open by December 15, 2026 in one of 14 eligible states.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
PNC pays up to $400 for Virtual Wallet direct deposits
PNC pays $400 after $5,000 in direct deposits within 60 days on Performance Select. Basic Virtual Wallet pays $100 after $500. The offer runs through January 7, 2027.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
SoFi pays up to $400 for direct deposit through December
SoFi pays $400 when direct deposits reach $5,000 within 25 days of the first one. Deposits of $1,000 to $4,999 earn $50. The first deposit must arrive by December 31, 2026.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Capital One 360 Checking pays $250 for two direct deposits
Capital One pays $250 with code CHECKING250. You need two direct deposits of $500 within 75 days. You are not eligible if you had a 360, Simply or Total Control Checking account on or after January 1, 2024.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Bank bonus
Rate change
Betterment offers new clients a 0.75% cash boost into February
Betterment adds 0.75% to its 3.50% Cash Reserve APY for new clients. The boost covers balances up to $1 million. It runs through February 15, 2027.
source · date could not be pinned exactly in our research
Oct 20, 2026 (approx.)
Issuer change
Discover savings now sends new customers to Capital One 360
Discover's savings page now redirects to Capital One 360 Performance Savings. New savers land on Capital One's site instead.
source · date could not be pinned exactly in our research
Oct 15, 2026
Benefit change
Venmo Credit Card has new rewards for new applicants
From October 15, new applicants earn 3% on dining and entertainment, including streaming, and 3% when they pay through Venmo. Splitting a purchase with friends adds 1%. Everything else earns 1%. The automatic top-category 3% and 2% is gone from Venmo's page. Existing cardholders are reported to keep it. Venmo's release does not address them.
Venmo Credit Card (new applicants)Venmo Credit Card
Oct 15, 2026 (approx.)
Benefit change
New Amex cards no longer pool points automatically
Amex's October 2026 terms give each new card its own Membership Rewards account. You can still combine points with Manage Connections in the app or online.
American Express Gold CardAmerican Express The Platinum CardAmerican Express Platinum Card for Charles SchwabAmerican Express Platinum Card for Morgan Stanley
source · date could not be pinned exactly in our research
Oct 8, 2026 (approx.)
Issuer change
Benefit change
Chase is reported to be moving some Freedom cards to Freedom Unlimited
Some original Freedom cardholders report notices of an automatic switch to Freedom Unlimited by November 20, 2026. This is reported from cardholder notices. Chase has not announced it. The notices say the account number stays the same and the rotating 5% ends after the switch.
source · date could not be pinned exactly in our research
Oct 6, 2026 (approx.)
Benefit change
Discover it Secured gets 5% rotating categories and lower deposits
The new Discover it Secured Cash Back card earns 5% in rotating categories. Deposits can be $49, $99 or $200 based on credit. There is no annual fee.
Discover it Secured Cash Back
source · date could not be pinned exactly in our research
Oct 5, 2026 (approx.)
Signup offer
Freedom Flex bonus is $250 for a limited time
The Freedom Flex welcome bonus is $250 after $500 in purchases in the first 3 months. Chase labels it a limited-time offer and gives no end date. The usual offer is $200.
source · date could not be pinned exactly in our research
Oct 5, 2026 (approx.)
Signup offer
Wells Fargo Active Cash bonus drops to $100
The Active Cash welcome bonus is now $100 after $500 in purchases in the first 3 months. It was $200 when we checked in August. The card still earns 2% everywhere.
Wells Fargo Active Cash
source · date could not be pinned exactly in our research
Oct 1, 2026
Rotating calendar
Q4 at Chase: groceries, dining and the American Red Cross
Freedom and Freedom Flex pay 5% on up to $1,500 at grocery stores, on dining and on donations to the American Red Cross from October 1 to December 31. Walmart, Target, wholesale clubs and discount stores do not count as grocery stores. Red Cross donations count only when made directly through official Red Cross channels. Activate by December 14 and the 5% applies back to October 1.
Oct 1, 2026
Rotating calendar
Benefit change
Freedom Flex earns 7% on dining this quarter
Dining is a Q4 bonus category, and on the Flex it adds to the card's everyday 3% dining rate. Chase spells it out: 1% base, plus 4% quarterly bonus, plus 2% dining, for 7% total. The 7% runs until $1,500 of bonus spend. After that, dining is back to 3%. The original Freedom has no dining rate, so it earns 5%.
Oct 1, 2026
Rotating calendar
Q4 at Discover: restaurants, entertainment and utilities
Discover pays 5% on up to $1,500 at restaurants, on entertainment and on utilities from October 1 to December 31. Entertainment covers movie theaters, live events, amusement parks and zoos. Streaming does not count. Utilities covers power, water and gas bills, plus internet, cable and phone service bought online or by phone. Activation is not retroactive. Discover's own calendar page was down when we checked on October 5, so three independent sources confirm these categories.
Oct 1, 2026
Benefit change
Sapphire Reserve's DoorDash promo triples to $15 a month
From October 1, Reserve cardmembers get $15 off one qualifying DoorDash order each month. It was $5, and only for restaurant orders. The two $10 monthly promos for groceries and other non-restaurant orders stay. Complimentary DashPass now runs through the end of 2029.
Oct 1, 2026
New card
Signup offer
Chase launches the $350 IHG One Rewards Premier Select card
Chase added a third personal IHG card with a $350 annual fee. The launch offer is 200,000 points after $5,000 in 3 months, through November 18. It includes Platinum status and an anniversary night up to 60,000 points.
Chase IHG One Rewards Premier Select
Oct 1, 2026
Devaluation
Benefit change
IHG Premier card fee rises to $150 and status drops to Gold
New IHG Premier cardholders pay $150 a year. The card now includes Gold status instead of Platinum. Grocery stores join the 5x categories and the free night cap rises to 50,000 points. Existing cardholders see fee changes in 2027.
Chase IHG One Rewards Premier
Oct 1, 2026
Benefit change
IHG Traveler card is renamed and adds 3x on groceries
The no-fee IHG Traveler card is now the IHG One Rewards Credit Card. Grocery stores earn 3x alongside dining and gas. Utilities and streaming drop to 2x after December 31, 2026. The fourth night free needs $5,000 in yearly spend from 2027.
Chase IHG One Rewards Credit Card
Oct 1, 2026
Signup offer
IHG Premier welcome offer climbs to 180,000 points
The IHG Premier card offers 180,000 points after $3,000 in 3 months. Adding an authorized user earns 10,000 more. Chase says the launch offers run through November 18.
Chase IHG One Rewards Premier
Oct 1, 2026
Signup offer
United Explorer and Quest offers rise for a limited time
The United Explorer offers 70,000 miles after $3,000 in 3 months. The Quest offers 80,000 miles after $4,000 plus 500 PQP. Each card adds 10,000 miles for an authorized user.
Chase United Explorer CardChase United Quest Card
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Every entry is written by hand from the issuer research in our data files, and carries the source we read. We date an entry by the day the change took effect; where the research could not pin the exact day, the entry says approx. rather than picking one. An entry dated in the future is announced and not yet in force, and it is marked as such.
This page is judgement: what changed and what it costs you. The raw record of what changed in our data is a different thing, and it can't be edited into a nicer story: