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 (00:36)

• Stop using filler words! (00:37)
• Podcast app aggregator (ht bleakchoochoo) (00:40)
• If you want, support me on patreon!
• Sweaty Heavy Lemon (00:59)
  • Intro music can be found here!
  • https://heavylemon.net/

• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi, Stan & Jeff in the kleed tier! (01:10)
• Went to Boston meet up, thanks Paul for organizing! (01:22)

Cards (02:41)

• BofA (02:41)
  • Travel portal updated! (02:50)
    • Reddit discussion
    • DoC
  • [Targeted] Bank of America Unlimited Cash Rewards 3% Everywhere for First Year (Possible 4.12% Everywhere) – Doctor Of Credit (03:47)
  • Maximizing the $200 Blacklane Credit on Citi Strata Elite(04:37)
    • BofA Preferred Rewards Premier status has code HT Paul on DoC (04:45)
  • [Lightning Deal] Rakutan Offers All Time High (05:23)
• US Bank/Elan (06:55)
  • Transfer Partners (06:55)
    • Reddit discussion (07:03)
    • [Qantas & Flying Blue Removed] U.S. Bank Finally Adds Transfer Partners (Accor, Flying Blue, Qantas & Ethiopian) – Doctor Of Credit (07:06)
    • Elan Financial Services Visa Infinite Reserve Rewards+ Card Also Has Access To U.S. Bank Transfer Partners (08:00)
    • U.S. Bank Korean Air SKYPASS Select Card: 70,000 Miles + $450 Annual Fee – Doctor Of Credit (08:42)
• Amex (09:05)
  • American Express Folds Tock Into Resy (More Venues For Resy Credit) – Doctor Of Credit (09:05) 
  • American Express Adds 350 Hotels Across Fine Hotels & Resorts/The Hotel Collection (10:14)
  • Delta (11:05)
    • Increased American Express Offers Coming On Platinum, Gold & Delta Cards – Doctor Of Credit 
    • Increased American Express Delta Offers, Up To 200,000 Miles (Personal & Business Gold, Platinum, Reserve) – Doctor Of Credit 
  • [Useful Tip] American Express Business Gold Card Adds New $150 Squarespace Credit (12:25)
  • Marriot (14:56)
    • Amex x Marriot (14:56)
    • American Express Marriott Bonvoy Bevy Card: 125,000 Point Bonus + $150 Credit (NLL) (15:25)
    • American Express Marriott Bonvoy Brilliant Card: 150,000 Point Bonus + $250 Credit (NLL) (15:49)
    • Marriott Files Trademark For Marriott Bonvoy Brilliant Business (16:12)
  • New NFL Extra Points American Express Card Launches ($100 Bonus) (16:52)
  • AmEx Offers (Hilton Surpass): Get 13,500 – Doctor Of Credit (17:35)
  • Lulu changes GC policy (18:06)
  • AmEx Offer: Airbnb, Spend $500 & Get $50 – Doctor Of Credit (18:37)
• Capital One/Discover/Brex (19:10)
  • Credit Line Reallocation Between Discover & Capital One Is Now Available (19:10)
  • Small Balance Credit Card Waiver (Issuers Who Waive Small Balances) – Doctor Of Credit(19:22)
    • Discover now same as Capital One
  • Discover it categories(19:37)
    • Updated my sheet (19:43)
      • Patreon exclusive, on reddit tho here and here. Entertainment same as Savor (see here for what that works for and here for my copy with Discover it added)
    • DoC
  • Venture 70k + $300(21:36)
    • $300 is for stays ONLY (21:51)
• PayPal (22:55)
  • [Fixed] PayPal Credit Card Charging Undisclosed Fee For PayPal Redemptions (22:55)
  • Was sending me old payment received notifications, they never acknowledged it (I didn’t reach out to ask) (23:05)
• TD Bank (24:00)
  • TD Bank Launches ‘Double Up’ 2% Credit Card with $200 Signup Bonus & No Annual Fee (24:00)
• Chase (24:53) 
  • [YMMV] Chase Increased Sign Up Bonuses (175k Chase Sapphire Reserve, 125k Chase Sapphire Preferred & More) (24:53) 
  • Rakuten: Get $100 For Chase INK Cash/Unlimited or $25 For Freedom Unlimited. – Doctor Of Credit (25:27)
  • (Update: Reversal) Chase Restricts Using Two $250 ‘The Edit’ Credits On Back-To-Back Stays – Doctor Of Credit (25:52)
  • CSR replacing the $5 DoorDash dining credit with a general $15 DoorDash credit starting October 1 (26:33)
  • Southwest (27:01)
    • Southwest Confirms Airport Lounges & New Premium Card (27:01)
    • [Rumor] Chase Aeroplan Card To Be Refreshed (28:15)
    • Southwest releasing premium credit card + lounges : r/CreditCards (27:36)
  • [Rumor] Chase To Refresh Freedom Flex Later This Month (29:25)
• PenFed (29:50)
  • Penfed Pathfinder Annual Fee Nerf? : r/CreditCards (29:50)
• NFCU (30:39)
  • Flagship CC ($49 fee) Amazon Prime posted (30:39)
    • 8/11 $139 Prime fee hit (31:18)
    • 8/17 $139 credit posted (31:28)
    • [Rumor] Navy Federal Flagship Rewards Refresh (31:32)
  • Navy Federal Now Allows Automated Product Changes Online – Doctor Of Credit (33:09)
  • [YMMV] Navy Federal American Express More Rewards 30,000 Points Signup Bonus – Doctor Of Credit (33:33)
• Cardless/Bilt (36:22)
  • Bilt Cash Can Now Finally Be Redeemed For BLADE Helicopter Rides (36:22)
  • Bilt Adds Partnership With Equinox (38:12)
• Citi (38:35)
  • Sunoco Rewards Credit Card being discontinued by Citi : r/CreditCards (38:35)
• Other (39:16)
  • Sun Country Credit Card 35,000 Point Bonus (39:16)
  • Aven Rewards Checking + Rewards Visa: 5% Back On All Purchases (Up To $25,000 Each Year), Requires $25,000 Balance (40:02)
  • [Available To All To Premium X.com Users] Elon Musk ‘X Money’ Features Revealed (6% APY, Debit Card With Rewards & More)(40:47)
    • X Money Review – 6% APY/$300 Bonus & 3% Back On Debit Card Purchases – Doctor Of Credit (41:47)
  • FNBO Launches ‘Complete Rewards® Visa Signature® Card’ – $150 Bonus & 5x On Travel With No Annual Fee (43:03)
  • (In-Branch) Regions Business Enhanced Visa Card $300 Signup Bonus + 0% APR (44:09)
  • Barclays Carnival Rewards Mastercard 50,000 Point Bonus (44:42)
• SUBs of the month (45:40)
  • Under 5/24 (45:46)
    • CSR/P (45:46)
    • Chase Ink w/ Rakutan (45:52)
  • Over 5/24 (45:55)
    • BofA Rakutan (45:55)
    • Capital One Venture (46:05)
    • Sun Country? (46:15)
    • Barclays Carnival (46:16)
  • Business (46:21)
    • Amex World (46:21)

Class Actions (46:29)

• https://www.onlinetvsettlement.com/(46:29)
  • Received email with code

Bonuses (47:20)

• Bank (47:20)
  • US Bank (47:20)
    • US Bank Smartly bonus posted (47:20)
      • DPs
        • 6/03/2026 Smartly Checking opened w/ code 26DMP04 & $275 CC funding 
        • 6/12/2026 $3k real DD
        • 6/26/2026 $3k real DD
        • 7/10/2026 $3k real DD
        • 7/24/2026 $3k real DD
        • 8/11/2026 $800 “Adjusted Interest” credit posted
      • DoC link but mine was $800: $12k in DD in 90d for $800 code 26DMP04
      • Current bonus @ DoC (48:15)
    • US Bank Business Savings bonus posted (48:26)
      • DPs (48:46)
    • US Bank Business Checking bonus not posted yet (49:24)
      • DoC link
      • DPs – requirements met no bonus yet
        • 5/18/2026 Business Essentials Checking account opened with $3k Amex Bis funding (did not count towards MSR)
        • 5/18/2026 $2.2k deposit
        • 6/15/2026 $3k deposit
        • 7/7/2026 $1.5k deposit
        • 7/7/2026 $1.5k withdrawal
        • Did not meet 6 transitions only did 5
  • Varo Money (Online Bank Account) – $200 Sign Up Bonus (iOS & Android) (50:14)
  • Wells Fargo $500 Checking Bonus(50:52)
    • I am eligible 11/19/2026 (1y since last bonus) (50:58)
  • [Lightning Deal/Expiredl] [Expired] GalaxyOne $3,000 Bonus With $10,000 Deposit – Doctor Of Credit(51:26)
    • https://www.galaxy.app/mxd
    • I did $1k didn’t see $3k (52:35)
    • Peek was able to get thanks to Lightning Deal (53:14)
  • [NH, MA, RI, CT, DE, NY, NJ, PA, or FL, Inbranch] Santander 300-500 Checking Bonus – Doctor Of Credit (53:37)
  • American Express $300 Checking Bonus – Doctor Of Credit (54:09)
  • Spruce Money (Fintech) $100 Bonus(54:24)
    • Signed up and approved
  • Live Oak Bank $300 Savings Bonus (New & Existing Customers) – Doctor Of Credit (54:35)
• Brokerage (55:14)
  • [YMMV] Webull: 3-3.5% IRA Transfer/Contribution Match – Doctor Of Credit(55:14)
    • Webull IRA transfer match changing to 1% from 3%. Deposit match unchanged (55:30)
  • MooMoo Brokerage Bonus: Up To $1,000 With $100,000 Deposit & Three More Bonuses – Doctor Of Credit (55:56)
• Crypto (56:48)
  • [YMMV] Robinhood Crypto: 4.5% Deposit Bonus (2.5 Year Hold Period) (56:48)

Deals (57:19)

• Pixel 11 Pro (57:33)
  • Google Pixel 11 Deals (GoogleFi From $499, Amazon $150 Off + Amazon Giftcads & More) (57:50)
  • r/PixelFold on Reddit: New Play Points Level Perk – Discount on new Pixel 11 Phones
  • Look at my sheet
• inKind Launches Beta Test Of ‘Recommendation Rewards’ (1:00:36)
• Have to be a Verizon customer. I signed up for a gizmo watch. Watch was $99. Plan is $10/month plus taxes and fees. I had a capital one shopping offer that gave me $225 for signing up for the vz plan, so that basically made the first year free. Also, I set the watch up on autopay with a biz plat, so easy way to use that credit too (1:01:11)
  • HT firechurning from our Discord (1:01:37)
• Spectrum Internet: Free Amazon Prime (Internet Assist Customers) (1:01:40)
• [Lightning Deal/Expired] [Expired] Best Buy (In Store): $100 Best Buy Giftcard For $60 (8/22 Only) – Doctor Of Credit (1:01:53)
• Google Gemini: Free Year Of Gemini Pro For Students(1:02:25)
  • Comment about Amex squarespace credit
  • Tried with photoshopped ID and was not taken (1:03:14)
• SiriusXM: Music & Entertainment Plan $2.99/Month For 3 Years – Doctor Of Credit(1:03:31)
  • BofA Preferred Rewards credit (1:03:51)
• (YMMV) Capital One Shopping: Get $300 With Squarespace Signup (Free With AmEx Business Gold)
  • Student discount 

Other (1:05:27)

• Uber One 6% Credit On Rides To Reduce To 5%, Add Additional Member For Free (1:04:40)
• Hilton status from Aspire finally reset (1:05:27)
  • ~8/1 reset to Gold (1:05:51)
  • Closed Aspire on 4/23/2026 (1:05:51)
• More Ways to Pay: Tap to Pay Is Coming to Walmart and Sam’s Club(1:06:15)
  • HT Kleed 
  • Walmart & Sam’s Club Stores Now Accept Digital Wallet Payment – Doctor Of Credit
• Rize 7.5% APY on $10k w 5 debits (1:06:45)
  • HT Kleed (1:06:45)
• JetBlue ‘Blue House’ Opens Boston Logan International Airport (BOS), Expanded Access For Mint (1:05:55)
• Walmart+ Members Now Get 25 4×6 Prints Each Month(1:07:36)
  • Comes with many Amex cards
• Windscribe pro free 5gb (1:07:48)
  • The gift that keeps on giving

Nice Trip! (1:08:26)

• Used Bofa concierge to get a jump start, not great but good starting point (1:10:40)
• BOS -> NCE (1:10:06)
  • Stephanie’s in E (1:10:06)
    1. Updated lounge tracker (patreon exclusive) (1:10:18)
  • Dinner was decent, breakfast was mid (1:10:23)
• NCE -> BOS (1:11:00)
  • Luggage (1:13:43)
  • No priority pass, it’s before international security, gate number incorrect, does not open till 11
  • Empty flight (1:14:54)
  • Lunch was delicious! Chicken curry with rice (1:15:11)
• Cost: $3924.63 (1:15:29)
  • Card: $1229.96 (1:15:40)
    1. Amex Gold: $415.51 (1:15:44)
    2. Bofa PRE: $4 (1:16:05)
    3. Bofa Atmos Summit: $130 (will cancel after going to Canada this weekend) (1:16:09)
    4. RFCU: $318.30 (1:16:25)
    5. Venture X: $195 (1:16:33)
    6. Amex Plat (rental car): $167.15 (1:16:42)
  • Total card:Airbnb: 2215.56(1425 in GCs) (1:16:45)
    1. $1,207.29
    2. $150.95 
    3. $687.32
       • Extra $170 for meals (2 din 2 breaky)
  • Flights: $215.46 ( for 2 direct flights main cabin) (1:09:15)
    1. 68,000 miles for tickets + $215.46 tax + 35600 miles for seats
  • Cash: 263.65(11.55 in ATM fees reimbursed with Fidelity CMA) (1:17:08)