Episode 73: $1k Paze Payout, Awesome Redemption & Odd Lot Win

fearthez

Jul 6, 2026

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
- 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 Witold & Grant to the patreon!

Thanks for using my Amex Plat referral! (Didn’t even know it was still active)
Thanks for the Current referral! ($100)

Cards

Q3 2026 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More) – Doctor Of Credit
- Discover it categories
  - Source is Patreon exclusive
Capital One/Discover
Chase
- Chase Southwest Cards: 80,000-90,000 Bonus – Doctor Of Credit
- Chase Sapphire Preferred Refresh: Increased $100 Hotel Credit, 3x Gas, TSA/GE Benefit, AppleTV & More (Same $95 Fee)
  - Funny reddit comment
    - Gatekeeping transfer to reserve?
- Chase Sapphire Reserve Business 200,000 – Doctor Of Credit
- Chase INK Cash & Unlimited 100,000 Points – Doctor Of Credit
- Chase Amazon Prime Visa $200 Signup Bonus With No Spend Required (matches highest ever besides one time at $250)
- Chase Sapphire Preferred 100,000 Points Offer (Available via Referrals) – Doctor Of Credit
- Rumor – Chase to discontinue Sapphire Checking
- Chase Secures Miami Airport Lounge Spot Over Capital One (Huge Outbid)
- Chase Clawing Back Hotel Credits For Cancelled Reservations On New Sapphire Preferred Credit
- Chase offers
  - Earn a total of 9% back at grocery stores, restaurants, and gas stations with Prime Visa. Activate to earn more from July 1 through September 30 on up to $1,000 in combined purchases. Exclusions apply, see terms.*
  - Showed no % on offers site but received email with details
Amex
Citi
- Rakuten: $100 Bonus on Citi Strata Premier – Doctor Of Credit
NFCU
- Navy Federal Credit Union $250 New Member Bonus
- Navy Federal Credit Union (NFCU) cashRewards Credit Card: $250 Bonus and 1.99% APR On Balance Transfers – Doctor Of Credit
BofA
- (Update) Bank of America Launches Credit Card Referral Program – $100 Per Approved Card (Up To $500)
  - CCR referral
  - UCR referral
- Alaska
- BofA Talks Publicly about Preferred Rewards
- PR/E Airline Credit
  - Seems to not be crediting. Charges look the same. Did not credit after a week
Cardless
- Cardless Giving Large Unsolicited Credit Limit Increases On Bilt Palladium Cards
- Bilt GC Boost
Credit One
- (Update) Credit One Platinum X5 Card Review – 5% Back On Gas, Grocery & More Each Year ($5,000 Cap) – $95 Annual Fee
  - Shaq marketing campaign – really??
Wells Fargo
- Wells Fargo Making Changes To Credit Cards (Rewards Accounts No Longer Combined)
- Attune discontinued (ht Ray)
  - Entertainment Cash Back Spreadsheet
Barclays
- Barclays Wyndham Rewards Earner Premier Card – Doctor Of Credit
- Barclays Refreshes Wyndham Personal & Business Cards – Increased Fees, Added Credits, Changed Points Earning – Doctor Of Credit
US Bank/Elan
- U.S. Bank Shopper Cash No Longer Accepting New Applications (Discontinued?)
- Wintrust Community Banks (Elan) Everyday Rewards+ $150 Signup Bonus
Robinhood
- Robinhood Gold Adds 3% Foreign Transaction Fee
  - New card holders only
Sofi
- SoFi Smart Card Unlimited 5% Grocery Stores – Doctor Of Credit
USAA Launches New Eagle Adapt Card – $200 Bonus, 15 Month 0% Period & 3% Cashback Select Categories
Friday: Bilt Disappoints, Covered Gives Bilt a Challenge for Most Complicated Program, Wyndham Disappoints, Random Numerology, and Capital One Spark Cash – Miles Earn and Burn
- New Coverd Visa
[CA Only?] OceanAir Credit Card – 5% Back On Gas/Travel, 4% Back On Warehouse Clubs & More – Doctor Of Credit
[Update] Verizon Credit Card With VerizonDollars 4% Back on Groceries & Gas; AutoPay Benefit; $150 Signup Bonus
CC SUB of the month
- Under 5/24: CSP, Chase Southwest
- Over: NFCU along with new member sign up maybe Flagship, Chase Amazon, Citi Strata Premier via Rakutan
- Business: CSR Business, CapOne Venture Business/Spark Cash

Deals

VPN Deals on Shopping Portals
- [Lightning Deal/Expired] Rakuten: Get up to 100x On NordVPN, NordPass, NordProtect, Surfshark, ExpressVPN (Stack With Chase Offer for 15% Back)
- NordVPN Pending $80.93
- Surfshark Pending $109.74
- ExpressVPN Pending $171.50
Symphony: 5% APY + 2% In Points (Not FDIC Insured)
Capital One Shopping entertainment $100
- Bought concert tickets via Eventtickets, canceled. Bought 3x on Stubhub, each one canceled and relisted for more money. Bought 2 tickets in each transaction. Friend bought 1 ticket in two transactions for me and went through. COS credit showing as pending (still pending 1 month later)
[Lightning Deal/Expired] Uber App: Save 15% On Uber Giftcards (YMMV) – Doctor Of Credit
Albert (Fintech): Get $200 In Stock For Free
InKind
- Costco InKind GC Sale
- [New Offers] inKind: $15 Off $15 & $25 Off $50 – Doctor Of Credit
[Lightning Deal/Mostly Dead] (Update) Paze: Get Free $100 Back *Per Card* (10 x $10) – Doctor Of Credit
- [Credits Already Posting!] WOW! It Now Pays To Use Paze: Get Up To $100 Back Per Card On Top Of 10x Bonus Points! – DansDeals.com
- Dunkin: $280 GC buy in app (still working ~1/day)
- Newegg: 74 orders = $740
  - Nintendo 20 x $5 + 5 x $10 = $150
  - Chipotle 18 x $5 + 10 x $10= $190
  - Starbucks: 6 x $5 = $30
  - AutoZone:10 x $10 = $100
  - GrubHub: 9 x $10 = $90
  - Lyft: 10 x $10 = $100
  - Uber: 8 x $10 = $80
- Total: $1020
- $115 Newegg Giftcard for $100 – Doctor Of Credit
- Cards used
  - BofA
    - PRE Visa: $100 spent $100 credited, 1 came late
    - CCR **70 Visa: $90 spent $90 credited
    - CCR **24 Visa: $70 spent $70 credited
    - CCR MC: $100 spent $100 credited
    - UCR Visa: $30 spent $30 credited
  - Citi
    - CC MC: $100 spent $100 credited
  - Chase
    - CFF MC $100 spent $100 credited
    - CF Visa: $100 spent no credit yet
    - Amazon Visa: $100 spent no credit yet
  - Capital One
    - VX Visa: CCR 70 Visa: $100 spent $100 credited
  - Elan
    - Visa: $110 spent $100 credited
      - Accidentally charged an extra $10
  - Missing $20 from somewhere
- Donate $10 To St. Jude’s For Free With Paze Promo (Domino’s Checkout; Possible Tax Write-Off) – Doctor Of Credit
Delta: Flash Award Sale
- Round trip to Boston Nice Thu, August 27 – Fri, September 4, 2026 for two
  - 68,000 miles + $200 TOTAL
    - Probably could have used BofA PRE Incidental credit on $200 taxes, may use on seat upgrade
  - Flights cost $1600 total
[Starts 7/8] DoorDash DashPass: 25% Off DoorDash Giftcards (Up To $100)