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!
  • https://heavylemon.net/

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

Cards

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

Class Actions 

• https://www.onlinetvsettlement.com/
  • Received email with code

Bonuses

• Bank
  • US Bank
    • US Bank Smartly bonus posted
      • 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
    • US Bank Business Savings bonus posted
      • DPs
    • US Bank Business Checking bonus not posted yet
      • 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)
  • Wells Fargo $500 Checking Bonus
    • I am eligible 11/19/2026 (1y since last bonus)
  • [Lightning Deal/Expiredl] [Expired] GalaxyOne $3,000 Bonus With $10,000 Deposit – Doctor Of Credit
    • https://www.galaxy.app/mxd
    • I did $1k didn’t see $3k
    • Peek was able to get thanks to Lightning Deal
  • [NH, MA, RI, CT, DE, NY, NJ, PA, or FL, Inbranch] Santander $300-$500 Checking Bonus – Doctor Of Credit
  • American Express $300 Checking Bonus – Doctor Of Credit
  • Spruce Money (Fintech) $100 Bonus
    • Signed up and approved
  • Live Oak Bank $300 Savings Bonus (New & Existing Customers) – Doctor Of Credit
• Brokerage
  • [YMMV] Webull: 3-3.5% IRA Transfer/Contribution Match – Doctor Of Credit
    • Webull IRA transfer match changing to 1% from 3%. Deposit match unchanged 
  • MooMoo Brokerage Bonus: Up To $1,000 With $100,000 Deposit & Three More Bonuses – Doctor Of Credit
• Crypto
  • [YMMV] Robinhood Crypto: 4.5% Deposit Bonus (2.5 Year Hold Period)

Deals

• Pixel 11 Pro
  • Google Pixel 11 Deals (GoogleFi From $499, Amazon $150 Off + Amazon Giftcads & More)
  • 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’
• 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
  • HT firechurning from our Discord
• Spectrum Internet: Free Amazon Prime (Internet Assist Customers)
• [Lightning Deal/Expired] [Expired] Best Buy (In Store): $100 Best Buy Giftcard For $60 (8/22 Only) – Doctor Of Credit
• Google Gemini: Free Year Of Gemini Pro For Students
  • Comment about Amex squarespace credit
  • Tried with photoshopped ID and was not taken
• SiriusXM: Music & Entertainment Plan $2.99/Month For 3 Years – Doctor Of Credit
  • BofA Preferred Rewards credit
• (YMMV) Capital One Shopping: Get $300 With Squarespace Signup (Free With AmEx Business Gold)
  • Student discount 

Other

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

Nice Trip!

• Used Bofa concierge to get a jump start, not great but good starting point
• BOS -> NCE
  • Stephanie’s in E
    1. Updated lounge tracker (patreon exclusive)
  • Dinner was decent, breakfast was mid
• NCE -> BOS
  • Luggage
  • No priority pass, it’s before international security, gate number incorrect, does not open till 11
  • Empty flight
  • Lunch was delicious! Chicken curry with rice
• Cost: $3924.63
  • Card: $1229.96
    1. Amex Gold: $415.51
    2. Bofa PRE: $4
    3. Bofa Atmos Summit: $130 (will cancel after going to Canada this weekend)
    4. RFCU: $318.30
    5. Venture X: $195
    6. Amex Plat (rental car): $167.15
  • Total card:Airbnb: $2215.56 ($1425 in GCs)
    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. 68,000 miles for tickets + $215.46 tax + 35600 miles for seats
  • Cash: $263.65 ($11.55 in ATM fees reimbursed with Fidelity CMA)