Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Find Churners Digest on your Podcasting app of choice here!

Housekeeping

• Podcast app aggregator (ht bleakchoochoo)
• If you want, support me on patreon!
• Sweaty Heavy Lemon
  • New Heavy Lemon concert recording
  • Intro music can be found here!
• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Daniel, ricky, Rob, John, Desi, Stan & new member Duncan in the kleed tier! Welcome Molly, Brendan, Jessica & Gene to the Patreon
• Ty Brendan for using my InKind referral!
  • My referral

Cards

• President Trump Calls For 10% Cap On Credit Card Interest Rates
• SoFi
  • $10 monthly fee
    • /r/CreditCards
    • KT Kleed
    • Sike?
    • DoC
• Bilt
  • Leaks
    • Bilt Leak
    • Moar Leaks
    • Full details leaked (Reddit)
  • Card Designs!
  • Message from Kerr before announcement
  • New Card Launched
    • 10% intro offer to satisfy legislation?
    • Quick calculation for break even
    • For quick readers this means you need to spend 75% of your rent / mortgage payment a month to get the full points for it
    • That One where MEAB Gets Grumpy About the Bilt Hype Machine
    • Reminder about WF Small Balance
    • They changed the rewards structure after a few days lol
    • DoC Coverage
    • Math!
    • Bilt 2.D’Oh. Why you should be cautious of their new cards setup
    • r/biltrewards on Reddit: A note from me (Ankur Jain) – Your 2026 Bilt Cash Redemptions Are Here
      • Bilt Unveils Bilt Cash Redemption Options – Doctor Of Credit
      • Breaking down the BILT Cash options by usefulness : r/CreditCards
• Citi
  • Citi / AAdvantage Platinum Select World Elite MasterCard – 80,000 Miles With $1,000 Spend – Doctor Of Credit
  • Targeted CC spend bonus
  • SYW/TYP Offers
    • Sheet is Patreon exclusive
• New “6%” Card
  • DoC
• Amex
  • Platinum
    • Airline credit worked for United Travel Bank 2×100
    • Recs for $225 Lulu purchases
  • Hilton Aspire Resort credit needed to be manually credited
  • Gold Referral Increased 
  • Oura Credit doesn’t work for Travel Case
  • Sacks GCs will be honored in bankruptcy
  • Lowes business card ending and being closed
    • HT Cashback Cowgirl
  • American Express Sends Out Business Gold Survey – $495 Annual Fee, AI Credits & More
• US Bank
  • [Targeted] U.S. Bank Business Cards: Pay Two Utility Bills & Get $25
• Barclay
  • Upromise SUB payout
    • Weird system, you add a bank account then it auto redeems
• Chase
  • JPMorgan Chase To Purchase Apple Card Portfolio From Goldman Sachs
  • (Update) Five Chase Travel Benefits On Hotel Booking With Chase Sapphire Reserve ($250+$250+$300+$100+Boost) – Doctor Of Credit
  • Chase British Airways: 90,000 Point Bonus After $5,000 In Spend (Aer Lingus & Iberia)
  • [Memo] Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred – Doctor Of Credit
  • Chase Southwest Points Not Posting – Doctor Of Credit
• Top Spending on CCs in Industry
• PenFed
  • What Does & Doesn’t Trigger The PenFed Pathfinder Rewards Visa $100 Airline Credit? – Doctor Of Credit
• Discover/Capital One
  • Use Google/Discover Virtual Card Number & Get $10 Off $100 (Targeted) – Doctor Of Credit
  • [Targeted] Discover: Use Mobile Wallet & Get $20 Bonus – Doctor Of Credit
    • Will these continue to exist in a CapOne Discover world?
  • Capital One Announces New Charlotte Douglas International Airport (CLT) Lounge
  • Discover No Longer Accepting Deposit Account Applications
    • See Ep 53
  • Discover No Longer Allowing Cashback Transfers From Debit To Credit Card
  • Capital One Venture: 75,000 Points + $250 Travel Credit
    • Reminder: Capital One Venture Family Rule (48 Months) – Doctor Of Credit
  • Capital One To Acquire Brex For $5.15 Billion
  • Venture X AF hit, will keep although low usage. 10k anniversary points take some time to post
• Various Financial Institutions – Consumer World Mastercard – $500 Bonus DOC
• RFCU categories available (ht Kleed)
  • 
• BofA
  • Bank Of America To Make Changes To Preferred Rewards Tiers & Names
  • New BankAmericadeals live
  • Bank Of America To Make Changes To AirFrance Card – Doctor Of Credit
• Wells Fargo
  • [Rumor] Wells Fargo To Launch A New Card On 2/6
• BofA
  • Flying Blue BofA Visa
    • New card design for the Flying Blue BoA Visa
    • Bank of America Air France/KLM FlyingBlue Card 70,000 Signup Bonus + 100 XP (Plus, Enhanced Benefits) – Doctor Of Credit
  • [2026 Reset] What Triggers The Bank of America Premium Rewards $100 Travel Credit?
• Synchrony
  • Waived 3 months of paper statement fees at $1.99/m
• SUB Of The Month
  • Best Current Credit Card Sign Up Bonuses & Offers For January, 2026
  • Those under 5/24: CSR, Chase Marriot
  • Over: Amex Plat, BofA Atmos, CapOne Venture, Random $500 cards
• Robinhood
  • Robinhood Mods Saga
  • (Update) Robinhood Credit Card Full Details (3x On All Purchases, No Cap)
• Interesting CC
• Kudos Portal: $100-$150 Bonus When Applying For Many Popular Credit Cards (YMMV)

Class Actions

• Beef Class Action Settlement (2014 – 2019) – Doctor Of Credit
• Oatly response
  • Dear Claimant,  

The Oatly Securities Settlement Claims Administrator is in receipt of your request for review of your claim and the determination that your claim is not eligible to receive a distribution from the Settlement Fund in the above action. Your claim has been reviewed and this email is to notify you of the new determination made for your claim.

Thank you for supplying the additional documentation for your claim. The documentation was sufficient to validate the claim.

The determination has been made that the claim is no longer rejected. The claim has been recalculated according to the Court-approved Plan of Allocation. When the Net Settlement Fund is distributed, if according to the Plan of Allocation your recognized claim is sufficient to generate the minimum check amount, you will share in the distribution of the Net Settlement Fund

• Kaiser Privacy Breach Class Action Settlement ($20-$40 – Doctor Of Credit
• Amazon Prime $2.5 Billion Settlement ($1.5 Billion For Consumers) – How To Claim – Doctor Of Credit

Deals

• [Lightning Deal/Expired] TCB Spend $20 get $2.50
• [Lightning Deal/Expired] Free Chipotle double protein

Bonuses

• Brokerages
  • WeBull 4% Brokerage Transfer Bonus (5 Year Hold) – Doctor Of Credit
  • Massive WeBull Referrer Bonus – up to $5,000 – Doctor Of Credit
    • My referral
  • Tastytrade Brokerage Bonus: 4% Deposit Bonus Of Up To $10,000 (12 Month Hold Period) – Doctor Of Credit
  • J.P. Morgan Self-Directed Investing Up To $1,000 Bonus With $5k-$250k Invested – Doctor Of Credit
  • Firstrade 3% IRA Contribution Match & 2% Transfer Boost [5 Year Hold] – Doctor Of Credit
  • Robinhood Gold 2% IRA Transfer Bonus (Unlimited Cash Bonus) – Doctor Of Credit
  • SoFi Invest: $150 Bonus Via Finder – Doctor Of Credit
  • eToro: $500 Crypto Bonus (Deposit $5,000) + $30 Referral Bonus
  • [YMMV] Webull: 3-3.5% IRA Transfer/Contribution Match – Doctor Of Credit
  • Zacks Trade: Up To $3,000 Brokerage Bonus (No Holding Period)
  • Public Brokerage: 1% Unlimited Match (5 Year Hold) – Doctor Of Credit
  • Victory Capital Management: Up To $1,500 Bonus (One Year Hold) – Doctor Of Credit
• Banks
  • Live Oak Bank $200 Savings Bonus – Doctor Of Credit
    • My DP
  • [DE, DC, MD, NJ, PA, & VA Only] Fulton Bank $500 Business Checking Bonus – Doctor Of Credit
  • Chase $400 Checking Bonus
  • 316 Financial $100 Checking Bonus
  • Bank of America $400/$750 Business Checking Bonus
  • [Targeted]American Express $250 Checking Bonus – Doctor Of Credit
  • Citi $325/$750/$1,500 Checking Bonus – Doctor Of Credit
  • Rakuten: Alliant Credit Union $200/20,000 Checking Bonus
  • [NH, MA] Bellwether Community Credit Union $200 Checking Bonus
    • My DP
    • Account is now frozen lol
  • [Targeted NH, MA, RI, CT, DE, NY, NJ, PA, or FL, Inbranch] Santander $400 Checking Bonus – Doctor Of Credit

Other

• (Repost) IRS: Standard Deduction Filers Can Deduct $1,000-$2,000 In Charitable Donations (Begins 2026) – Doctor Of Credit
• Allegiant & Sun Country Announce Plan To Merge In $1.5 Billion Deal – Doctor Of Credit
• HeliumZero changes
• Amazon: Save On TurboTax from $45 (Save With No Rush Credits) – Doctor Of Credit
• [Update: MNVO, Fios] Verizon Customers Get $20-$100 Credit Following Yesterday’s Outage
  • DPs from PackerFan on Discord
    • One Time Credit of $108
    • One Time Credit of $100/line ($600 total)
    • $20/line/month credit for 12 months ($1440)
    • Not related to the outage, I also asked for a discount on my home internet.  They gave me an additional $10/month discount to bring monthly internet bill of $50 (including $10/month autopay discount and $15/month sign-up promo). I signed up for Verizon on Jan. 2, 2026