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.
27 entries · generated October 5, 2026 · covering October 2025 onward
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.
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.
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.
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%.
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.
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. Chase's main Reserve page still shows the old $5 wording.
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. Neither Venmo nor Synchrony has said so.
Chase discontinues the Flex's cell phone protection on September 20, 2026. Losses through September 19 are still covered. The card's 3% foreign transaction fee comes off the same day, so one change is a loss and the other is a gain.
Robinhood's reward terms, updated September 1, say purchases through the Robinhood Travel portal no longer earn extra points. Portal bookings earn the card's standard 3%. The same terms say an active Gold membership is required to earn points at all.
Citi raises the fee from $595 to $695 for new cardmembers on August 23 and moves the card to Mastercard's World Legend tier. Portal earn rises to 12x, the Lyft credit grows to $180, and new credits arrive: up to $500 on AA Vacations, $100 on inflight and Admirals Club purchases, and an annual Omni free night. Grubhub is cut for new accounts. Existing cardholders reportedly see the fee at their next anniversary; Citi has not published the exact date.
Savor is showing $250 after $500 in three months, up from the long-standing $200. Capital One calls it limited-time but publishes no end date. The extra $50 can vanish without notice.
The record 100k bonus ended around July 30. The public offer is back to 75,000 points after $5,000 in three months. Doctor of Credit reports referral links may still show the old number. We can't verify that, so we don't list it.
Servicing for the Discover consumer cards moved to Capital One on July 27. Names, $0 annual fees and earn rates carried over. What did not: redeeming rewards toward your minimum payment, redeeming through Apple Pay, and gift cards under $25.
Invites for the $695 Platinum Card began going out on July 22, invite-only. Robinhood's own published reward terms still document only the Gold Card, and the benefit set was already revised once after customer backlash. Anything written about this card before July describes a different product.
Discover pays 5% on gas (including EV charging), transportation including airfare, and drugstores. Chase Freedom and Freedom Flex pay 5% on gas and EV charging, public transit and select live entertainment. Both need activation. Discover's is not retroactive: anything you spent before activating earns 1%.
Anyone onboarded on or after July 1, 2026 pays 3% abroad. Earlier cardholders are grandfathered "for now". That hedge is Robinhood's wording, not ours, so don't plan a trip around it.
Chase added 3x on gas and EV charging and 3x on vacation rentals, and killed the 10% anniversary points bonus. Existing holders keep the bonus only through October 1, 2026. The same day, Sapphire transfers to World of Hyatt were cut to 4:3.
Citi stopped taking applications on May 28, 2026 and steers applicants to Double Cash. Existing cardholders keep the card and its automatic 5% top-category slot. This only matters if you don't already hold one.
Bank of America replaced the Gold / Platinum / Platinum Honors tiers with Member 10%, Preferred Plus 25%, Preferred Honors 50% and Premier 75%. The boost that used to arrive at $100,000 in balances now takes $1M. It still does not raise the $2,500 quarterly cap.
Superstores, discount stores and convenience stores are out of the 5% grocery category, and supermarket pumps are out of 3% gas. The cap is also stricter than most databases show: $500 of cash back earned per calendar year across groceries, gas and wholesale clubs, not $10,000 of spend.
Barclays account access ended April 24 and Citi began mailing replacement cards on April 27. Autopay scheduled after the cutover was cancelled, so payments set up under Barclays simply did not run. The card had been closed to new applicants since October 2025.
Wells Fargo-issued Bilt Mastercards were deactivated on February 7, 2026. Bilt 2.0 is issued by Column N.A. and serviced by Cardless. Holders could move across with no hard pull and the same card number, close the account, or convert to a Wells Fargo Autograph with a new number.
The 2025 refresh took the annual fee from $695 to $895: immediately for new members, and at the first renewal on or after January 2, 2026 for everyone already holding the card. The Saks credit that padded the math was then eliminated on July 1, 2026.
From January 1, 2026 both $250 Edit hotel credits are usable any time in the calendar year. The Jan-Jun / Jul-Dec split is gone, a real improvement for anyone who kept forfeiting the first half. A separate new $250 credit for select Chase Travel hotels is stated through December 31, 2026 only.
Points now redeem at 1.0¢ instead of 1.5¢, and travel redemptions only work against U.S. Bank Travel Center purchases. The 3x mobile-wallet earn is capped at $5,000 per billing cycle. Transfer partners were teased in December 2025; the banner was quietly removed in May 2026 without ever launching.
The Tier One structure and its checking-balance requirement were eliminated on November 1, 2025. No tiers, nothing to qualify for, nothing above 1.5%. If you kept this card for the 2.5%, most no-fee flat-rate cards now beat it outright.
The guaranteed 1.5 cents per point through Chase Travel ended October 26, 2025, replaced by Points Boost: up to 2 cents, but only on rotating flagged inventory. Cash-out is roughly 1 cent. The reliable floor people planned around is gone.
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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:
Card facts live in version-controlled files, and every fact change is its own commit. This is that commit history, newest first — a rate we got wrong stays visible as the day we fixed it.
a8dc75d003a58e1f6ed43ffe2cd414543086f2f161d061703f96970dcb0036d2005f1a161679c3ba070fc89c7916a31abc97a7bc8edf5cb7cdc6a114e4c0fb35bfbbb2fe09101e6f729467334529c09495d002ac8343a0b2dc86708647e23b0e7aae64799fb7c3ea84b26c8941d65e2166245af24b5d930216be89bb54e92d8b0deWrong, stale, or missing something? — we fix the data file, and every one of those fixes is a dated commit in the record above.