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
  • Intro music can be found here!
  • New song playing at the end
• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi, Stan & Jeff in the kleed tier! Welcome Jennifer & Josie to the patreon!
• https://churningtracker.com/
  • Created by jonachen – software for managing churning tracking from MS to buying groups to SUBs to everything in between

Cards

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

Bonuses

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

Class Actions

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

Deals

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

Other

• New I-Bonds Rate Projection: 4.26% APY (Variable 3.36% + Fixed .9%) – Doctor Of Credit
• HT Gavin on Discord
  • 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
  • Southwest Lounge Updates – Up To 5 Currently Being Planned
  • 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
• UberEats To Remove $5 Monthly Credit For UberOne Annual Users
• Spirit Airlines Shuts Down, All Flights Cancelled
  • Bank of America Refunding Spirit Airlines Annual Fees – But Only If You Ask
• Apple Now Requires UNiDAYS Verification for Education Discounts in U.S. and Canada, Adds Apple Watch – MacRumors
• inKind Introduces Dynamic Cashback (5%-25%)
• Mastercard Launches Two ‘Taste By Priceless’ Airport Lounges (Free Access For World Legend Cardholders) – Doctor Of Credit
• Ally Launches New Loyalty Program ‘Loyally’
• Free helium ending, force upgrade to $15/m
  • CEO called users of free plan “parasites”
  • Switched to Infimobile for $69/y
• Credit score 🙂
• Future card in DC Metro
  •