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

• Stop using filler words!
• 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 & Duncan in the kleed tier! Welcome Lona to the Patreon

Cards

• BofA
  • Atmos
    • Atmos Inflight Offer
  • Credit score/report feature live
  • Comparing Cards Benefits
    • Using Visa toad side assistance (old blog post)
  • (Rumor) Bank of America To Unveil New Incentives For Cardholders With Higher Balances
  • Preferred Rewards gutted (ht Kleed)
    • Certain credit cards are eligible to receive a BofA Rewards™ bonus. Enrolled BofA Rewards members with eligible Bank of America® credit cards can receive a BofA Rewards bonus of 10% for the Member tier, 25% for the Preferred Plus tier, 50% for the Preferred Honors tier, or 75% for the Premier tier. If your card receives the 10% customer bonus, the BofA Rewards bonus will replace the 10% customer bonus
    • FAQ says personal only
    • More info on current members 
      • Monthly breakdown
  • BofA PRE still good?
    • HUGE portal hack
• Visa To Allow Rewards To Be Deposited Into Trump Accounts
• Business
  • List of Regional Credit Unions With Business Credit Card Signup Bonuses – Doctor Of Credit
• Chase
  • Chase & Disney To Launch New ‘Disney Inspire’ Card
    • Chase Launches New Disney Inspire Card – $149 Annual Fee, $600 Sign Up Bonus
  • Chase Slate Card Returns With 21 Month 0% APR Offer
    • Because of rate cuts?
  • Chase Southwest Personal Cards Signup Bonus: 20k-40k Points + Companion Pass Through 2/28/27
  • (Update) Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred – Doctor Of Credit
  • Bonvoy SUB 
  • Sapphire Reserve
    • Chase Sapphire Reserve $359 Whoop Subscription – Doctor Of Credit
    • Chase Sapphire Reserve: Save 50% On Function Health ($182.50 Savings) – Doctor Of Credit
  • No more redemptions to non chanse accounts
    • Beginning ‌3/27/2‌6, you will no longer be able to redeem for a cash back deposit from your Chase Freedom®, Chase Sapphire®, or Chase Ink® credit card(s) to an account held by a financial institution other than Chase. You can continue to redeem for a cash back deposit to an eligible U.S. Chase account or redeem your rewards as an account statement credit.
• Amex
  • Increased American Express Delta Offers, Up To 125,000 Miles (Personal & Business Gold, Platinum, Reserve) – Doctor Of Credit
  • New Centurion Lounge Access Rules Announced (Same Flight, 5 Hours Max On Layovers)
  • Amex Earning Call Highlights
  • [Targeted] American Express Plum Card $500 Bonus After $15,000 In Spend ($250 AF Not Waived) – Doctor Of Credit
    • Not good
  • Platinum
    • American Express Platinum Card Increases Spend Requirement To $12,000 – Doctor Of Credit
    • American Express Platinum & Centurion Cardholders Lufthansa Lounge Access Extended – Doctor Of Credit
    • Uber One credit (Plat value tracker Patreon exclusive)
    • American Express Platinum $200 Airline Incidental Reimbursement – No Longer Works On United Travel Bank
  • American Express To Discontinue Global Pay – Doctor Of Credit
    • Making Airline Incidental Credits Useful: 2026 Style
  • Increased American Express Hilton Signup Offers Coming – Doctor Of Credit
• Barclays
  • Barclays American Airlines Cards To Become Citi Cards On 4/24/26
  • Barclays JetBlue Plus Card – 75,000 Point Bonus – Doctor Of Credit
• US Bank
  • U.S. Bank Triple Cash Rewards Business Card $750 Signup Bonus (No Annual Fee) – Doctor Of Credit
  • Which AI service subscriptions code as MCC 5734? (US Bank Triple Cash Business $100 Software Credit) : r/CreditCards
• Capital One/Discover
  • Capital One & Mastercard Renegotiate Deal – Doctor Of Credit
  • Discover Savings Accounts To Become Capital One Savings Accounts – Doctor Of Credit
  • Capital One Landings Lounge New YorkLaGuardia Airport (LGA) To Open
• Synchrony
  • Synchrony Closing eBay Extras Mastercards On March 25, 2026
• Cardless
  • BILT
    • More Details On The Bilt–TPG 5x Signup Link + Issues with Bonus Attaching Properly – Doctor Of Credit 
    • (Update) Bilt 5x Points Welcome Promo Details – Doctor Of Credit
    • Bilt Palladium Physical Card Details
    • BILT Issues – Cards Not Working, Promotions Not Working & More
  • Coinbase Rolling Out Stock Trading – Doctor Of Credit
    • Will stocks count towards balance requirements for CC? Need a home after BofA
    • CS says yes (HT TheHimalayas)
  • Cardless Launches Avelo Airlines Credit Card – 25k Point Bonus & $99 Annual Fee
• Debit
  • Spirit Launching Free Spirit Debit Card With $6.99 Monthly Fee (Priority Boarding, Points Pooling)
• USAA Adding $200 Auto Deductible Reimbursement To All Credit Cards
• United Announces Changes That Benefit United Cardholders
• Langley Federal Credit Union: 5%-10% Signature Cashback Visa Card ($100 Limit, Changes Monthly)
• CC SUB of the month
  • Citi / AAdvantage Platinum Select World Elite MasterCard – 80,000 Miles With $1,000 Spend – Doctor Of Credit
  • List of Regional Credit Unions With Business Credit Card Signup Bonuses – Doctor Of Credit
  • Hilton Amex NLLs
  • Bonvoy SUB 
  • Increased American Express Delta Offers, Up To 125,000 Miles (Personal & Business Gold, Platinum, Reserve) – Doctor Of Credit

Bonuses

• Stock
  • Betterment: Up To $1,500 Investment Bonus (3 Year Hold Period) – Doctor Of Credit
• Bank
  • [Expired] [YMMV] Current: $100 Bonus For Existing Customers With Promo Code RETURN100
  • WSFS DP
  • OnPath Credit Union Rewards Checking $150 Referral For Each (Plus, 6% On Up To $10,000) [Limit 2]
  • bmo.com/2000spring
    • HT Ray
  • [AZ, CA, FL, IN, MI, NJ, NY, OH, WI] Flagstar Bank $300-$500 Checking Bonus – Doctor Of Credit
  • [NY, MA, RI, and CT Only, In Branch only] Webster Bank $300 Checking Bonus – Doctor Of Credit
• [LA, MS, FL, AL, TX] Hancock Whitney Bank $600/$1,000 Checking & Savings Bonus – Doctor Of CreditBusiness
  • https://www.doctorofcredit.com/pnc-up-to-500-business-checking-bonus-al-dc-de-fl-ga-il-in-ky-md-mi-mo-nc-nj-ny-oh-pa-sc-va-wi-and-wv/
• Crypto
  • Robinhood 2.5% Crypto Transfer Bonus – Doctor Of Credit
  • Coinbase Funding Match
    • 3% match on Crypto & USD, most hold & have Premium/one for 24m

Class Action

• Sirius XM $28 Million ‘Do Not Call’ Class Action Settlement – Doctor Of Credit
• Preliminary Class Action Lawsuit Over Unpaid Capital One Offers – Doctor Of Credit
• Amazon Prime $2.5 Billion Settlement ($1.5 Billion For Consumers) – How To Claim Without ID Or PIN – Doctor Of Credit

Deals

• [Lightning Deal] Costco.com: $100 inKind Giftcard For $64.99 (Limit 5) – Doctor Of Credit
• Bellwether denied after opening & funding
• [Expired] [YMMV] PlayStation Plus Premium Membership Subscription $99.99
• MLB TV with TMobile coming up
  • Applies to Metro by TMobile too (HT Kleed)
  • Windscribe referral
• [Lightning Deal/Dead] Rakuten: Get 100%/100x On Incogni (Data Removal Service) – Doctor Of Credit

CFPB

• CFPB Aims To Reduce Complaints – Doctor Of Credit

Other

• (Not Available Again) Costco Stops Selling Uber & DoorDash eGiftcards – Doctor Of Credit
• Hilton CEO Claims Chain Has ‘Absorbed’ Inflation Costs On Award Stays
• Target Closing Down Target Circle Reloadable Cards – Doctor Of Credit
• Sportsbook SUB Starter Pack
• Mr Beast bought step
  • Surprised it wasn’t Current (got $500 from Mr Beast through them)
• Robinhood Launches ‘Robinhood Banking’ – Doctor Of Credit
• Citi To Focus On Credit Cards In 2026 – More Details To Come On Investor Day
• Wealthfront ach info changing
  • Reminiscent of HMB
• U.S. Treasury Direct No Longer Useful For Direct Deposit Requirements
• TSA/GE Shut downs

2025 Spend Analysis