Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! (00:27)

Find Churners Digest on your Podcasting app of choice here!

Housekeeping (01:11)

• Stop using filler words! (01:11)
• Podcast app aggregator (ht bleakchoochoo) (01:46)
• If you want, support me on patreon! (01:53)
• Sweaty Heavy Lemon (02:01)
  • New Heavy Lemon concert recording
  • Intro music can be found here!

• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi, Stan & welcome Jeff to the kleed tier! Welcome Jefferson to the Patreon & Discord (02:11)
• Current referrals pending – thanks! (02:39)

Cards (03:00)

• (Update) Comenity AAA Daily Advantage & Travel Advantage Credit Cards Review ($100 Signup Bonus, 5% Gas/Grocery) – Doctor Of Credit (03:30)
• Fidelity Card no longer uses hard pulls for credit increases : r/CreditCards (03:57)
• Amex (04:35)
  • American Express Pauses Transfers To ANA Until 3/2 (04:35)
  • Marriot (04:56)
    • Increased Signup Bonuses On American Express Marriott Brilliant, Bevy, and Business Cards – Doctor Of Credit (04:56)
    • American Express Adds New Restrictive Language To Marriott Cards (06:07)
  • American Express Graphite Business Cash Unlimited Card ($2,000 Bonus, $295 Annual Fee) (07:12)
  • Applied and approved for Amex Delta Platinum spend $8k in 6m  get 100k points (24:05)
    • $2500 taxes, $2k Airbnb, trip (stay tuned!)
  • New Wave American Express Shutdowns (08:53)
  • Amazon Business Card Changes Issuers From American Express To U.S. Bank – Doctor Of Credit (09:13)
  • American Express Centurion Lounge Updates (New Lounges At BOS, CLT & Expansion At DFW) (10:14)
  • (Update: $200 Bonus) Rakuten American Express Card With Extra Earnings On Rakuten Shopping & Dining – Doctor Of Credit (11:57)
  • (YMMV) American Express No Longer Uses Expedited Shipping For New Credit Card Approvals (12:24)
  • [Update] American Express Rule – 10 Charge Cards Per Person – Doctor Of Credit (13:34)
  • American Express Now Limits You To 5 Referrals Per Year (14:14)
  • American Express Plum Card Has Been Discontinued (14:41)
  • Platinum (14:56)
    • American Express To Fold Tock Into Resy (More Venues For Resy Credit) – Doctor Of Credit (14:56)
    • Maximizing The Lululemon $300 Credit On American Express Platinum Card (15:53)
    • American Express Business Platinum & Gold Cards To Add $300 ChatGPT Business Credit (16:33)
    • Rag & Bone offer clawback (20:07)
      • Returned due to bad sizing, refunded to card, offer taken back (20:42)
    • American Express Platinum Changes: Events With AmEx To Be Removed, Uber VIP Replaced With Priority Support (17:55)
    • (Source) American Express Removes $100 Saks Benefit For New Platinum Cardholders – Doctor Of Credit (19:37)
    • Resy & InKind map (HT Gavin) (22:12)
    • American Express Launches Platinum Member Airfares (23:26)
• Capital One/Discover (25:15)
  • (Update) Is Capital One Moving Their Credit Cards To Discover Network? (Venture, Quicksilver, Savor)(25:15)
    • Nuance (26:12)
    • Just went to apply for the Savor, and saw it’s now officially a Discover System card. How does this affect h th e C1 duo for domestic + foreign travel? : r/CreditCards 
  • (Ending Soon) Capital One Venture: 75,000 Points + $250 Travel Credit (28:00)
• Q2 2026 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More) – Doctor Of Credit(29:00)
  • My spreadsheet on Reddit (30:46)
  • Sheet Screenshot (31:26)
  • Patreon source (31:20)
  • Need to adopt the Chase sheet (31:11)
  • It’s Q2, don’t forget to use Chase Freedom Flex for 9% back on Travel : r/CreditCards
• (Update) Nusenda 2026 5% Rotating Categories – Doctor Of Credit
• Chime Launches ‘Chime Prime’ & ‘Chime Prime Card’ (5% Categories, $1.5k Cap Per Month) (31:30)
• Barclay (32:48)
  • New Card Art For Barclays Arrival+ (32:48)
  • Barclays JetBlue Premier Credit Card Adds New Benefits, No Annual Fee Increase (Still $499) (33:00)
• Citi (34:58)
  • Strata Elite (34:58)
    • Issue With Product Changed Citi Strata Elite Splurge Credits (34:58)
    • Maximizing Citi Strata Elite $200 Blacklane – Doctor Of Credit (35:30)
  • Citi AAdvantage Business 75,000 American Airlines Miles Signup Bonus Offer – Doctor Of Credit (35:54)
  • Citi Ending Points Sharing Between People On 5/16 (36:28)
  • Citi/Choice Privileges points deval(37:04)
    • DoC (37:16)
  • Citi Sends Out Survey For Citi Strata Premier Changes ($195 Annual Fee & More Benefits) (38:05)
  • Shell cards are closed for new applications (ht Kleed) (39:28)
• Wells Fargo (39:44)
  • Wells Fargo is offering online requests for credit limit increases : r/CreditCards (39:44)
• First Bank Shop Your Way Rewards Opens Applications Again With Tiny $100 Bonus (40:02)
• Robinhood (40:26)
  • Platinum Card(40:26)
    • Robinhood Announces Platinum Credit Card – $695 Annual Fee (40:26)
• Chase (43:04)
  • Chase Aeroplan Card: 85,000 Points Offer With $4,000 Spend – Doctor Of Credit (43:04)
  • Chase Hyatt Business Card: 80,000 Points – Doctor Of Credit (43:36)
  • [Referral Only] Chase Freedom Unlimited $250 Bonus – Doctor Of Credit (44:14)
  • Chase portal adds price matching (44:38)
  • [Targeted] Apple Card Signup Bonus: 5% Back on Grocery, up to $500 Cashback (Plus $75) (44:53)
  • Chase Sapphire Reserve: 100% Back On Pawp Unlimited Pet Care Subscription ($99 Value) 
  • Chase IHG Premier Business Card – 200,000 Points Offer [Ends 4/29/26] – Doctor Of Credit (46:04)
• X Money (46:51)
  • Elon Musk ‘X Money’ Features Revealed (6% APY, Debit Card With Rewards & More) (46:51)
  • X Money – 3% Cashback Exclusion List (Taxes, Money Orders & More) (48:08)
• BofA (49:07)
  • Bank of America Business Cards $500 Signup Bonus (Unlimited CR, Customized CR, Travel Rewards)(49:07)
    • Reddit discussion
  • Bank Of America To Make Changes To Travel Portal, Booking Past 12/31/26 Not Possible (49:56)
  • Alaska Cards (50:23)
    • Increased Sign Up Bonuses For Alaska Atmos Cards Coming 4/1 (50:23)
    • Bank of America Alaska Airlines Atmos Rewards Ascent 85,000 Points – Doctor Of Credit (50:37)
    • Bank of America Atmos Rewards Summit Visa Infinite Card 100k Point Bonus – Doctor Of Credit
    • Bank of America Atmos Alaska Airlines Business Card 85,000 Miles – Doctor Of Credit (51:26)
    • Upcoming Bank Of America Atmos Refer A Friend Offer – 80k Points + 50% Discount 
  • Rakuten Adds Bank Of America Cards To Portal – Up To $250 ($500 Total On Travel Rewards)(52:01)
    • [Lightning Deal/Partially Expired] Shared on Patreon (52:01)
  • Bank of America now has referral links : r/CreditCards (53:22)
• GolfCard – 20,000 Point Bonus + ‘$1,100’ Credits (Worthless) – Doctor Of Credit (53:42)
• Cardless/Bilt (55:03)
  • [Bilt Response] Bilt 2.0 Charging 0.2% Foreign Transaction Fee, Despite Advertising No Fee(55:03)
    • Reddit math (55:24)
  • Some Bilt Updates – Doctor Of Credit (55:52)
  • Bilt Adds Referral Links – Earn 2,500-5,000 Points Per Referral (56:16)
  • [Targeted] Bilt: Spend $1,000 & Get 10,000 Bonus Points (56:30)
• New Ford Rewards Credit Card By Comenity (No Annual Fee, Up To $175 In Signup Bonus) (56:45)
• Synchrony (57:45)
  • Synchrony Virgin Red: 75,000 Points + $100 Signup Bonus – Doctor Of Credit
    • 500 Miles added
  • Venmo SUB 9/6/3% back for 6m (58:23)
• PayPal To Remove ‘Redeem For Cashback’ PayPal Rewards Redemption Option (59:01)
• FutureCard To Shut Down On April 23, 2026 (Transitioning To New Banking Partner)(59:32)
  • Shutting down and telling users to transfer funds out but did not auto turn off balance reloading 
• New Credit Cards For 2026 (Launched, Announced & Rumored) (1:00:54)
• UBS Visa Infinite Card: 125,000 + $1,000 – Doctor Of Credit (1:02:40)
• BetMGM phasing out accepting credit cards, including MGM Rewards Card : r/Mlife (1:05:50)
• PNC Relationship Rewards Program (TotalRewards) – (2.7% On All Purchases, 5.4% On Gas) (1:06:29)
• CC SUB of the month
  • Under 5/24: Chase Aeroplane
  • Over: BofA via Rakutan, Amex Marriott, BofA Atmos Summit, Capital One Venture
  • Business: Amex Marriot, Citi AAdvantage Business 

Bonuses (1:07:59)

• Banks (1:07:59)
  • Wells Fargo $400 Checking Bonus – Available Online (1:07:59)
  • [MA, CT, RI, NH] TruNorth Bank $300 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit(1:08:11)
    • Chex sensitive
  • Bask Bank 15,000 American Airlines Saving Bonus ($50k Hold For 180 Days) (1:09:11)
  • Visions CU $500 Bonus(1:10:11)
    • Cannot have had any prior Visions membership (1:10:20)
    • My DP from ep38 (1:10:46)
  • Chase $900 Checking + Savings Bonus – Doctor Of Credit (1:11:45)
  • [PA, DE, OH, NY, NJ, MD, WV] Citadel Credit Union – $500 Checking Bonus (1:11:59)
• Business (1:13:00)
  • Capital One $500 Business Checking Bonus – Doctor Of Credit (1:13:00)
  • Live Oak Bank $200 Business Checking Bonus (1:14:16)
• Brokerage (1:15:01)
  • Ally 3.5% IRA Match (1:15:01)
    • You have the chance to earn extra money for retirement when you open and fund your first IRA. Using this email, open your first Ally Invest Self-Directed IRA between 3/31/2026 and 7/31/2026, and fund it by 12/31/2026 to earn your 3.5% contribution match.
    • Terms (1:15:25)
  • Best Brokerage Bonuses – Earn Up To $5,000 – Doctor Of Credit (1:15:36)

Class Actions (1:15:45)

• Google Class Action $135 Million Settlement (Used Android Device From Nov 12, 2017 To Current) (1:15:25)
• Juul Labs, Inc. Antitrust Litigation (1:16:02)
• Comcast Data Breach Class Action Settlement (1:16:13)

Deals (1:16:36)

• [Lightning Deal/Expired] $10 off $30 @ InKind (1:16:36)
• Amazon: Get Up To 40% Off Using 1 Discover Point (Max $50 Discount) – Doctor Of Credit (1:16:48)
• [Lightning Deal] Amazon: Save On Instacart, DoorDash, Lowe’s – Doctor Of Credit (1:16:57)
• Maximizing Capital One Shopping Portal Offers – Doctor Of Credit (1:17:12)
• [Lightning Deal/Expired] 15x Back at CVS In Person w/ Capital One Shopping (1:17:43)
• [Lightning Deal/Expired] 50% off Lyft (up to $10) w/ code chasefreedom50 (1:18:04)
• [From Discord HT Gavin] All I tell people about Starbucks anymore is “Redeem your stars at the airport, Starbucks gouges patrons at the airport for cash. Stars are the same rate.” (1:18:23)
• Current Ways To Save Money On Fuel (1:18:42)
• inKind: $20 Off $40+ – Doctor Of Credit (1:18:50)

Other (1:18:57)

• World of Hyatt Updates Award Chart While Preserving the Transparency Members Expect(1:19:09)
  • Hyatt Devaluation – 5 Levels Per Category (20-37.5%+ Base Increase) (1:19:18)
  • Thursday Thought: The Abject Lessons from Hyatt (ME&B) (1:19:45)
• New ACH Rules Go Into Effect March 20, 2026 (Payroll Description, AI Detection Tools) (1:19:59)
• Flying Blue Miles 24 Month Expiration – Doctor Of Credit (1:21:43)

• It’s now possible to get 4.30% with Wealthfront (1:22:05)
• Hilton Devaluation: Highest Price Remains 250,000 Points – Doctor Of Credit (1:22:48)
• Current (Fintech) Launches ‘Current Max’ – $10 Monthly Fee [3x Dining/Grocery & 6% APY] – Doctor Of Credit (1:23:04)
• PayPal Removes BillPay Option (1:23:43)
• [Fixed] Alaska Airlines Partner Awards Increased In Price – Devaluation Or Glitch? (1:24:00)
• Wyndham 2026 Award Changes: 88% Remain Same Price, 8% Decreasing & 4% Increasing (1:24:06)
• Stockpile To Close On April 17, 2026 – Accounts Transferred To Public/Stash/Apex (1:24:20)
• Uber Will Acquire Blacklane (Global Chauffeur Service) – Doctor Of Credit (1:24:35)
• All Staples Stores Now Accept Amazon Returns [200 Points Per Return] – Doctor Of Credit (1:24:48)
• California Increases Giftcard Cashout To $15 From $10 (1:25:00)
• DoorDash Adds $20 Pickup Minimum (1:25:16)
• Credit score w/ high balances & fresh inquiries
• McDonald’s Rewards Program Announces Devaluation (1:25:29)
• SFO Alaska Airlines Lounges Accessible Via Priority Pass Again With $15 Fee – Doctor Of Credit(1:25:40)
  • Bad precedent (1:25:52)

Trip (1:26:05)

• Boston Logan (1:26:05)
  • SO Stephanies & Chase Lounge (1:26:14)
    • Lounge visit tracker updates (1:26:29)
    • Chase no longer lets you order more than one drink at a time (1:26:53)
• Denver (1:27:13)
  • Maven at Dairy Block (1:27:26)
    • Amex Hotel Collection (1:27:35)
      • Used credit at hotel for some room snacks and food at the restaurants on site (food sucked, drinks were good) (1:27:35)
      • Also got 5 drink tokens (1:27:49)
  • National rental car (1:28:24)
    • Executive aisle but was allowed to pick from executive premier for an Audi SUV (1:28:24)
• Grand Junction (1:29:07)
  • Found Home2 (Hilton) for 48k points for the night. Expensive but only one in area with a hot tub that wasn’t shrek green (1:29:17)
• Flagstaff/Grand Canyon (1:30:11)
  • Airbnb (1:30:29)
• Sedona (1:30:50)
  • Hilton Sedona Resort at Bell Rock (1:30:50)
    • Hilton credit DP Sheet(1:34:20)
      • Worked on restaurant in resort
    • Booked basic room for 60k points/night (1:31:39)
    • Upgraded for $450 to best room, used 2x $200 Surpass credit
      • Called to make $200 partial payments in separate bi annual installments
    • Paid $50 OOP
    • Room was not room I spoke to Director about when requesting and paying for upgrade. Desk agent told me they were booked but would refund my prepayments (1:32:08)
    • Construction at 8am out front but nice overall. Restaurant not great but fine, coffee horrible, small room for 3 (1:33:06)
    • Diamond $36/d breakfast worked on all food charged to hotel (1:33:22)
    • Diamond parking was great, I’m confident they don’t validate you are actually Diamond status (1:33:39)
• PHX (1:35:37)
  • Visited Delta lounge with Amex Plat (1:35:48)