The Daily Churn
thedailychurn
Anyone can churn anything. Each week, learn how to churn something new and novel, from credit card & bank bonuses to flights, hotels, cellphones, mealkits, even FIRE.Decades of churning experience packed into short, easy-to-follow episodes you can use right now to earn more miles, more points, and live a more financially independent life.
Episodes
Mentioned books

63 snips
Oct 24, 2025 • 1h 9min
🫨 Ep 86 - Churning News, Easy C1S Money Makers, Chase Points Boost, SW Companion Pass, My HELOC Update, FICO 8 vs Vantage 3.0/4.0 Deepdive
Dive into the latest churning news and credit card updates with intriguing insights on Citi's fee waivers and the Southwest Companion Pass. Discover the impacts of Chase's points boost system on redemptions, along with tips on consolidating Ultimate Rewards. Get the scoop on HELOCs and how they can enhance your churning liquidity. Kai also breaks down credit score models like FICO 8 versus Vantage scores, revealing essential info for smart lending decisions. Plus, learn about savvy discounts through Capital One Shopping and more exciting deals!

29 snips
Oct 17, 2025 • 38min
🪄 Ep 85 - Any Chance You Could: Four Magic Words That Changed My Life
Explore the art of asking and discover how four simple words can transform your daily interactions. Learn why most people struggle with requests and how watching a confident friend can shift your mindset. Delve into effective approaches and attitudes, and find the perfect balance when making requests. Anecdotes from unexpected free meals reveal the power of humor and empathy. Master the tactics for upgrading your travel experiences and practice in low-stake situations to build your confidence. Never underestimate the magic of a simple ask!

36 snips
Oct 10, 2025 • 50min
🐷 Ep 84 - Multiplayer Mode with Chris Hutchins
In this engaging discussion, Chris Hutchins, creator of All The Hacks and a miles & points expert, shares insights on maximizing travel rewards. He explains how adding a partner can more than double your points earnings. Learn about splitting loyalty programs and the importance of credit limits. Chris reveals strategies for managing passwords and calls, as well as motivating others to get involved. He also touches on the benefits of community tools for referrals and how points can even evolve into a business venture!

60 snips
Oct 3, 2025 • 1h 2min
🧈 Ep 83 - Opening Amex & Chase Cards, Citi 4506-C lock, Eating Inkind & Resy, HELOCs vs PLOCs, Costco Gold
The host shares insights on efficiently using Amex Platinum credits for benefits like Lululemon and Resy. Strategies for maximizing restaurant credits are highlighted, with a focus on referring friends for bonuses. Challenges with Chase applications and the upcoming referral policy changes spark discussion. There's a detailed look at HELOCs versus other home equity options, emphasizing lender research. The conversation touches on gold investments, addressing both buying strategies and market risks. Tune in for tips that could enhance your financial game!

44 snips
Sep 26, 2025 • 1h 5min
⛰️ Ep 82 - Three Days in Denver: Inaugural TDC Meetup Recap (With Pics!)
An exhilarating weekend unfolds as the host shares highlights from their first in-person meetup in Denver. They discuss clever venue planning and engaging activities, including randomized dinners and unique name tags that matched online identities. Attendees enjoy trivia, speed-churning, and meaningful conversations at local venues. The relaxed Sunday vibe features hikes and deeper connections, while custom swag and memorable encounters enhance the experience. Overall, the event fosters a strong sense of community and connection among listeners.

55 snips
Sep 19, 2025 • 40min
👽 Ep 81 - Amex Plat refresh, New Meta glasses, Seats.aero discount, Practicing any chance you could, Launching probe groups, GPT5 Pro, and more
In this engaging discussion, they explore the refreshed Amex Platinum card and its fee implications. Exciting updates on Meta's new Ray-Ban glasses with innovative features capture attention. Insights into car-buying strategies amidst Fed rate discussions provide practical tips. The effective use of 'any chance you could' to secure perks for a meetup is both entertaining and resourceful. Additionally, they delve into matchmaking in private probe groups, blending technology with human touch for better connections.

66 snips
Sep 12, 2025 • 60min
🐔 Ep 80 - Citi Strata, iPhone 17, Seats.aero, Dinner with Logan, Pound of Chicken, Telepathy tapes, Four thousand weeks, Ketamine therapy
Dive into intriguing personal experiments with blindfolded perception and the possibilities of telepathy. Discover the ins and outs of credit card churning, particularly the Citi Strata Elite card's dining rewards. Explore the latest innovations in the iPhone 17 and the future of online shopping. Enjoy personal anecdotes about navigating flexible travel with points and the dynamics of health journeys influenced by Keto diets. Finally, reflect on self-identity through the lens of ketamine therapy and its impact on mental health.

51 snips
Sep 5, 2025 • 43min
🎭 Ep 79 - Weekly Recap: Monarch, P3 + Carvana, Solo401K Loans, MMM HQ, Why do improv, Being busy
The hosts share personal stories from their improv classes, linking creativity to better communication skills. They discuss the intricacies of car financing, including tips for navigating platforms like Carvana. A humorous take on managing busyness highlights challenges related to ADHD and overcommitment. The value of relaxation shines through as they recount a family trip to Estes Park, emphasizing the importance of personal freedom and trying new experiences, inviting listeners to participate in the conversation.

51 snips
Aug 29, 2025 • 47min
🌝 Ep 78 - Weekly Recap: What I'm churning, reading & watching, plus a Miraval trip report
A recent East Coast vacation brings exciting family reunions and a stay at the Miraval resort. Learn about innovative credit card strategies and the latest in cashback options. The hosts share their mixed feelings on new TV shows, celebrating returning favorites while lamenting a disappointing series. Insights into the values of accessibility in therapy and technology spark deep discussions. Finally, they explore personal journeys toward financial freedom, emphasizing the importance of connection and meaningful conversations.

32 snips
Aug 14, 2025 • 38min
🍃 Ep 77 - Weekly Recap: Vanguard advisors, Luma tickets, Miraval man-date, what I'm reading, and more
This week, the hosts reflect on their solar panel installations and local dining highlights. They dive into managing parents' finances and the challenges of organizing a Discord meetup. The conversation shifts to stress and emotional vulnerability, emphasizing the importance of community support. They share insights from men’s retreats and their excitement for an upcoming wellness retreat at Miraval. Planned activities like hiking and breath work promise a unique experience, despite the predominantly female crowd.


