Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! (00:24)

Find Churners Digest on your Podcasting app of choice here!

Housekeeping (00:45)

• Stop using filler words! (00:45)
• Podcast app aggregator (ht bleakchoochoo) (00:51)
• If you want, support me on patreon! (00:54)
• Sweaty Heavy Lemon (00:59)
  • Intro music can be found here!
  • New song playing at the end (01:03)
• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi, Stan & Jeff in the kleed tier! Welcome Jennifer & Josie to the patreon! (01:23)
• https://churningtracker.com/(01:37)
  • Created by jonachen – software for managing churning tracking from MS to buying groups to SUBs to everything in between (01:37)

Cards (02:50)

• Capital One/Discover (03:09)
  • Capital One Rebrands Spark Miles & Spark Miles Select to Venture Business and VentureOne Business (150k Bonus)(03:09)
    • Slatted to end 6/8 (03:59)
  • Capital One Venture Business Card Will Not Report To Personal Credit Bureaus (04:12)
  • Discover it – $200 Bonus + Double Rewards First Year (Up To $950 With Rotating Categories) (04:47)
• BofA (06:37)
  • Bank of America & Alaska Air Announce Expansion Of Partnership (New Cards/Refreshes?) (06:37)
  • Bank Of America – Up To $750 Bonus On New Royal One (Royal Caribbean Cards) (07:40)
  • Rakuten Adds Bank Of America Cards To Portal – Up To $275 (09:42)
  • Maximizing The Bank Of America Premium Rewards Elite Lifestyle Credits(10:14)
    • Old reddit post by me (10:57)
    • Airbnb GC did not work (may have been a DoorDash GC purchase) (11:21)
    • Uber cash reload worked (11:50)
  • Bank of America AirFrance/KLM Card Now Earns 3x Points On Bilt (12:31)
  • BankAmeriDeals: UberEats, Spend $25+ & Get $15 Back (13:28)
  • Bank of America Preferred Rewards Streaming Credits ($8-$15) At Paramount, Sirius, WSJ, Economist (14:11)
• Wells Fargo (15:33)
  • Wells Fargo Adds Cathay Pacific As 1:1 Transfer Partner – Doctor Of Credit(15:33)
    • Reddit discussion
• Citi (16:20)
  • Citi ThankYou (Formerly Sears, Not SYWR) Changing Earning Rates On 5/12 (16:20)
  • Citi AAdvantage Executive 100,000 Mile Offer – Doctor Of Credit (17:19)
  • Citi Offers: JetBlue, Spend $500+ & Get $50 Back – Doctor Of Credit (18:18)
  • [Rumor] Citi To Discontinue Custom Cash Card (18:45)
• FNBO (19:57)
  • FNBO GreenSelect Credit Card – 0% Intro APR For 18 Months & Balance Transfers (5% BT Fee)(19:57)
    • WECU Lux Visa has 0% with no balance transfer fees (20:28)
• Capital One/Discover (20:50)
  • Capital One Quicksilver Moves To Discover Network, Get 3% Cashback On Gas & Grocery, 1.5% Everywhere – Doctor Of Credit (20:55)
  • Uber is Gone? : r/discover (22:07)
  • Discover Cards Will Transition To Capital One Website & App (On July 27, 2026) – Doctor Of Credit (21:43)
• Amex (22:40)
  • Closed Hilton Aspire (22:40)
    • Calculate value gained, Patreon Exclusive (22:57)
  • Amex Gold Card updated benefits : r/CreditCards(24:21)
    • American Express Gold 60th Anniversary AmEx Offers (CLEAR, HBO, Uber One & More) – Doctor Of Credit (24:59)
  • AmEx Platinum (Schwab, Morgan) 150,000 – Doctor Of Credit (26:10)
  • American Express Adds $300 ChatGPT Business Credit To Business Cards Platinum & Gold – Doctor Of Credit (27:23)
  • American Express Business Gold To Lose FedEx As Flexible Business Credit Option ($20 Per Month) (28:21)
  • American Express Business Platinum 120,000 Point Upgrade Offer – Doctor Of Credit (29:09)
  • (Update: Reversal) American Express Adds New Restrictive Language To Marriott Cards (29:44)
  • American Express Marriott Bonvoy Business 150,000 Points + $125 Signup Bonus(30:06)
    • Applied and approved w/ frozen reports (Amex doesn’t pull for new existing customers) (30:56)
  • American Express & Fanatics Announce Partnership – New Credit Card, FanCash Transfer Partner & More (31:26)
  • Hilton (32:14)
    • Hilton NLL Links (32:14)
    • American Express Hilton Increased Credit Card Signup Bonuses (Up To 175000 Points)(NLL)
  • [Targeted] Upgrade To American Express Blue Cash Preferred, Get $150 Bonus + Waived Annual Fee – Doctor Of Credit (32:55)
• Chase (33:53)
  • (Update) Chase Announces Select Properties With 2.5x PointsBoost Redemption – Doctor Of Credit (33:53)
  • Amazon Visa: Earn Extra 1% Cashback Everyday Purchases When Signing Up For Chase $900 Checking+Savings Bonus – Doctor Of Credit (34:45)
  • Chase Sapphire Reserve 150,000 Bonus – Doctor Of Credit (35:48)
  • [Rumor] Chase Sapphire Reserve To Add $7.5 Discount On Apple One Subscriptions [Expanded Apple TV Benefit] – Doctor Of Credit (36:16)
  • Chase Freedom Unlimited: $200 + 5% Back On Gas & Grocery First Year [In Branch Only] (37:07)
  • Chase Sapphire Preferred Ending 10% Anniversary Bonus – Doctor Of Credit (37:25)
  • Apple Card – Free Airpods Pro 3 Sign Up Bonus (Requires 10 Purchases Per Month For 10 Months) – Doctor Of Credit (37:54)
  • Chase Business Card Referrer Bonus Increase To 40,000 Points – Doctor Of Credit (38:52)
• Robinhood (39:31)
  • RobinHood Mystery Box, expected value calculation (as of 4/15/2026) : r/CreditCards (39:31)
  • What Robinhood Said Tuesday About The Gold During Earnings (40:43)
• Careless/Bolt (41:22)
  • Bilt Devalues GrubHub Bilt Cash Redemption (Issued As Promo Code Instead Of Giftcard) (41:22)
• US Bank (41:51)
  • Amazon Prime Business $200-$250 Bonus – Doctor Of Credit (41:51)
• AAA Advantage no more 5% Walmart groceries after May 15 : r/CreditCards (42:37)
• Aven Launches Bitcoin Backed Card – Doctor Of Credit (42:48)
• Intuit Launches Business Credit Card – $300 Bonus, 2% Back & No Annual Fee (43:15)
• Costco App Now Allows Visa Cards – Doctor Of Credit(43:46)
  • In wallet with QR code checkout. Codes as online shopping for BofA CCR (43:46)
• Fidelity Visa 2% CashBack Card: $150 Sign Up Bonus Publicly Available + 0% APR – Doctor Of Credit 
• Crypto.com Credit Card Now Earns BTC Or CRO + $300 Bonus (44:27)
• TD Business Solutions Credit Card Review – $400 Sign Up Bonus & 2% Unlimited Cashback [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA] (45:00)
• Imprint Launches Shell Performance Elite World Mastercard (45:46)
• CC SUB of the month (46:28)
  • Under 5/24: Chase Aeroplane, CSR (46:37)
  • Over: Amex Marriott/Hilton, BofA Atmos Summit, Discover It $200 + cash back match, BofA via Rakutan (46:47)
  • Business: Amex Marriot/Hilton, Capital One Venture Business (46:57)

Bonuses (47:05)

• Bank (47:05)
  • Capital One $300-$1,500 Savings Bonus, Requires $20,000-$100,000 Deposit – Doctor Of Credit (47:05)
  • [PA, NJ & NY] C&N Bank $600 Checking Bonus – Doctor Of Credit(47:50)
    • Unable to open account (48:14)
  • [Existing Ally Customers Only] Ally Invest $200 Bonus With $1,000 Deposit For 90 Days (Nationwide) – Doctor Of Credit (48:18)
  • American Express $300 Checking Bonus – Doctor Of Credit(48:50)
    • Can’t have ever had an Rewards Checking Account before (48:50)
  • Checking Savings Bonus Offer | Cambridge Savings Bank(49:10)
    • HT Peak (49:18)
  • Farmers Insurance Federal Credit Union (FIGFCU) $250-$400 Checking Bonus (51:05)
  • [FL, MA, NJ, NY, VT, In Branch?] Trustco Bank $350 Business Checking Bonus – Doctor Of Credit (51:33)
  • [MA, ME, NH] Camden National Bank $300 Checking Bonus + $200 Savings Bonus – Doctor Of Credit (52:05)
  • Wells Fargo $400 Checking Bonus – Available Online (52:39)
  • US Bank up to $800 SUB(53:16)
    • HT Ray (53:22)
  • [NY, FL] Teachers Federal Credit Union $600 + $100 Referral Checking Bonus (54:17)
• Business (54:51)
  • BMO Bank $400-$1,500 Business Checking Bonus – Doctor Of Credit (54:51)
  • [NH, FL, MA, RI, CT, DE, NY, NJ, or PA, In Branch] Santander $500 Business Checking Bonus – Doctor Of Credit (55:34)
  • [Targeted, YMMV] Bank of America $400-$2,500 Business Checking Bonus with $5k/$200k Deposit (Available Online) – Doctor Of Credit (56:01)
  • US Bank (HT Ray) (56:33)
    • Business SUB DoC(56:33)
      • Opened, $3k Amex funding, $400 for $5k in 30, hold for 60
      • Hindsight should have gone for Platinum (57:04)
    • Savings SUB DoC(57:21)
      • $10k in 30 hold 60 for $300
    • May not count towards SUB! (HT TwitchOne)
  • Bank Novo Business Checking $500 Checking Bonus – Doctor Of Credit (58:27)
• Brokerage (59:01)
  • Betterment: Up To $1,500 Investment Bonus (3 Year Hold Period) – Doctor Of Credit (59:01)
  • SoFi Invest 2% Transfer Bonus (5 Year Hold; Brokerage Or IRA) (59:50)
  • Ally Bank Invest: 3.5% IRA Contribution Match – Doctor Of Credit(1:00:14)
    • Discussed in episode BLANK

Class Actions (1:00:49)

• Trader Joe’s Class Action Settlement: FACTA Violation [3/5/19 – 7/19/19] (1:01:11)
• Fidelity Investments Class Action Lawsuit ($100 Payout) – Doctor Of Credit (1:02:10)
• First Commonwealth paid out $268.45! Gave them my Incogni subscriptions in the class action And 4 years of identity theft (1:02:35)

Deals (1:03:49)

• [Lightning Deal/Expired] [Expired] Costco.com: $100 inKind Giftcard For $64.99 (Limit 5) – Doctor Of Credit (1:03:49)
• TSA PreCheck: $20 Savings For Those Age 30 Or Younger (1:04:13)
• [Lightning Deal/Expired] Target: $10 Bonus Target Giftcard When You Buy Select $100 One4All Giftcards – Doctor Of Credit (1:04:50) 
• Bestbuy.com: $50 Shell Gas Giftcard For $45 – Doctor Of Credit (1:05:19)
• Capital One Cafes: Free Drink Every Monday (Until 9/28/26) – Doctor Of Credit (1:05:26)
• [Lightning Deal/Expired] Free dunking w code coffeeisfree (1:05:43)

Other (1:05:57)

• New I-Bonds Rate Projection: 4.26% APY (Variable 3.36% + Fixed .9%) – Doctor Of Credit (1:05:57)
• HT Gavin on Discord (1:06:42)
  • A Little PSA.  Sometimes I get emails like this and it’s increasingly hard to know the scammers from an actual problem.  I came across a website that will evaluate emails that you forward for their authenticity.  I have no affiliation with them, other than I have used their free tier a few times.  scan@emlscanner.com is the email you forward the email in question to and in 5-10 minutes you get a response showing the trust metrics they use to check if an email is a scam or legit.  
  • The website is https://emlscanner.com/ if you want to dig deeper. Can forward to address once per day for free 
• Lounge changes (1:07:11)
  • Southwest Lounge Updates – Up To 5 Currently Being Planned (1:07:11)
  • Huge: United Restricts Polaris Lounge Access For Star Alliance Partner Airlines – One Mile at a Time 
• T-Mobile Money Review – Earn 4% APY On Balances Up To $3,000 [New Negative Changes From June 1] – Doctor Of Credit (1:08:33)
• UberEats To Remove $5 Monthly Credit For UberOne Annual Users (1:09:37)
• Spirit Airlines Shuts Down, All Flights Cancelled(1:10:17)
  • Bank of America Refunding Spirit Airlines Annual Fees – But Only If You Ask (1:11:00)
• Apple Now Requires UNiDAYS Verification for Education Discounts in U.S. and Canada, Adds Apple Watch – MacRumors (1:11:16)
• inKind Introduces Dynamic Cashback (5%-25%) (1:11:52)
• Mastercard Launches Two ‘Taste By Priceless’ Airport Lounges (Free Access For World Legend Cardholders) – Doctor Of Credit (1:12:04)
• Ally Launches New Loyalty Program ‘Loyally’ (1:13:37)
• Free helium ending, force upgrade to $15/m(1:14:03)
  • CEO called users of free plan “parasites” (1:14:45)
  • Switched to Infimobile for $69/y (1:15:28)
• Credit score (1:16:14)
• Future card in DC Metro (1:17:06)