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 new member Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi Jeff & Brandon in the kleed tier! Welcome Matt, Scrubber & Gee

Cards

• Q4 2026 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More) – Doctor Of Credit
• Amex
  • Hilton
    • American Express Hilton Cards Bonus 200,000 – Doctor Of Credit
      • Reddit
  • Marriot
    • American Express Marriott Bonvoy Business 100,000 Points + Free Night Certificate (Up To 50,000 Points)
  • AmEx Offers: Get $50 When Spending $250 at National Car Rental – Doctor Of Credit
    • Showing on my plat
  • [Lightning Deal/[Expired] [YMMV] American Express Delta Offers – Up To 90,000 Miles + $300 – No Lifetime Language – Doctor Of Credit
    • Approved for Gold
  • [Lightning Deal/Expired] NLL Amex Plat
    • Also approved…
    • My Platinum referral
  • Amex Business Gold auto pay
    • Went to enable, was not able to because account was too new
    • Forgot to pay
    • Charged $35 late fee, called and refunded
    • Later charged ~$200 interest fee, called and refunded
  • Resy restaurant doesn’t take Amex, is that even allowed?
  • American Express Business Gold Adds UPS To $240 Flexible Credit Benefit (Replaces FedEx)
  • American Express To Open Newark Liberty International Airport (EWR) Centurion Lounge (Pushed To 2027, Largest Centurion Ever) – Doctor Of Credit
• Chase
  • Aeroplan
    • Chase Aeroplan Card Refresh: 115,000 Points Bonus, $195 Annual Fee, Keeps PYB, Adds Air Canada Benefits – Doctor Of Credit
    • Aeroplan PYB Changes
  • Has Chase Changed The 5/24 Rule For Sole Props? (3/24 For Sole Props)
  • CSR
    • Chase Sapphire Reserve for Business Increases ‘The Edit’ Credit To $1,000 Per Year (4 x $250)
    • [Now Live] Chase Sapphire Reserve Adds DoorDash $15 Monthly Credit Which Can Be Used For Anything
    • CSR PYB Changes
  • [New Design Now Showing][Rumor] Chase To Refresh Freedom Flex Later This Month
    • HT Kleed
  • [YMMV] Chase Increased Sign Up Bonuses (175k Chase Sapphire Reserve, 125k Chase Sapphire Preferred & More)
  • Freedom
    • Chase Refreshes Freedom Flex – Launches With $250 Bonus [No FTF, Cell Phone Insurance Removed & Points Boost]
    • Chase Product Change To Freedom Flex – Doctor Of Credit
    • Chase Freedom -No Foreign Transaction Fees – Doctor Of Credit
    • Chase Launches New Design On Chase Freedom Unlimited
  • IHG Cards
    • Reddit discussion
    • Chase Makes Changes To Existing IHG Card Lineup (Increased Annual Fees & More)
    • Chase Launches New Premium IHG Card ‘IHG Premier Select’ – $350 Annual Fee
    • Chase To Make Changes To Chase IHG Select Legacy Card ($49 Annual Fee To $99, FNC Up To 50k Points)
  • United
    • Chase United Explorer 85,000 Signup Bonus – Doctor Of Credit
    • [Targeted] Chase United Spending Offers (October – December)
  • Apple Card $100 Signup Bonus – Doctor Of Credit
• Wells Fargo
  • Wells Fargo Choice Privileges 60,000 Points – Doctor Of Credit
• NFCU
  • Navy Federal Credit Union (NFCU) Launches New Flagship Premier Rewards Card
    • Visa Signature Flagship Rewards Credit Card Upgrade
    • Navy Federal Credit Union (NFCU) Flagship To Flagship Premier Upgrade Offer (10x On Travel Up To 15,000 Points)
    • I will be keeping my card and not changing to new
• Capital One/Discover/Brex
  • Brex Business Card $1,000 Signup Bonus – Doctor Of Credit
    • Requires LLC
  • Your checking account | Capital One
    • HT Ray
    • Discussed in ep 53
  • Discover It Secured Card
  • [YMMV] Capital One Travel (Business Cardholders): Spend $500+, Get $200 Off
• BofA
  • Bank of America Atmos Alaska Airlines Business Card 85,000 Miles – Doctor Of Credit
  • PC Atmos to CC
    • Fee not refunded yet refunded
  • Rakuten Adds Bank Of America Cards To Portal – Up To $325
  • Alaska
    • Alaska coming soon
    • Bank Of America To Add Alaska Atmos Rewards As Transfer Partner In 2027, New Debit Card & Refreshed Business Card
  • [Lightning Deal] Rakutan + BofA CC $450 + 6% Cash Back SUB
  • [Lightning Deal] BofA Premium Rewards CC SUB + Rakutan = $1025 & Others
    • HT Kleed
• Synchrony
  • Venmo Targeted Extra 2%
  • Venmo Credit Card Changes 3% & 2% Rewards Categories; Adds Possible 4% Category – Doctor Of Credit
  • [Targeted] PayPal Credit Card: Spend $2,500, Earn $125 Bonus
• US Bank
  • U.S. Bank Launches Two New Business Cards (U.S. Bank Business Essentials & U.S. Bank Business Essentials Plus), $1,000 Bonus & Up To 3.5% On All Purchases
• Citi
  • Citi Adds Japan Airlines As 1:1 Transfer Partner (Limited 30% Transfer Bonus)
  • Citi Updates Eligibility On Citi Strata Cards (Once Per Life, Was 48 Months)
  • Rakuten: $100 Bonus on Citi Strata Premier – Doctor Of Credit
  • Citi AAdvantage Globe Card Launch, 90,000 – Doctor Of Credit
• Barclay
  • Barclays ‘Luxury Card’ Black Card Offering 75,000 Point Bonus
• Cardless
  • Targeted Coinbase One Card 5% back on all spend
    • Showing in app, up to $500 on purchases for 30 days
    • Terms
  • Bilt
    • Amtrak is now a Bilt transfer partner, transferring at 2:1 : r/CreditCards
• Other
  • National Police Federal Credit Union Visa Copper Cash Back Card: 3% Cashback On All Purchases
  • New Kroger Credit Card Launches ($100 Bonus, Free Boost Membership, No Annual Fee)
  • Uphold Debit Card
  • Walmart Launches OnePay CashRewards Card ($75 Spending Offer) – Doctor Of Credit
  • Flex Elite Card
    • Reddit discussion
    • Elite cardholders who hold at least $250k in deposits earn 4% on all personal spend each month up to their credit limit, and those who hold over $1 million in deposits qualify for 5% up to their credit limit. Any spend exceeding the credit limit in a given billing cycle (such as through paying down balances during a billing cycle) will earn 3% until the beginning of a new billing cycle. Rewards unlock when your statement is paid in full. See full rewards terms here
• CC SUB of the Month
  • Personal
    • BofA Rakutan offers
    • Chase targeted increased SUBs
    • Barclay Luxury
    • Amex Hilton Aspire
  • Business
    • Amex Plat, Delta, NLLs, HIlton

Bonuses

• Bank
  • [Targeted] Percapita (Fintech): Earn $25-$50 Per Month When You Spend $300-$600 – Doctor Of Credit
  • Bank of America $100-$500 Checking Bonus – Doctor Of Credit
  • Chase $900 Checking + Savings Bonus – Doctor Of Credit
  • Bask Bank $300 Checking/Savings Bonus
  • Navy Federal Credit Union $400 New Member Checking Bonus
    • I did this ep 56
• Business
  • Wells Fargo $400/$550/$825 Business Checking Bonus – Doctor Of Credit
  • American Express Business Checking 35,000 Membership Rewards Points Bonus (1% APY; Earn Points With Debit Card Spend) – Doctor Of Credit
  • Chase Business Total Checking Up To $1,500 (No Direct Deposit Required) – Doctor Of Credit
• Investing
  • Webull offboarding offers
• Crypto
  • SoFi Crypto: Transfer $1,000+ In Eligible Crypto Assets & Earn $300 In SOFID (One Year Hold)

Class Actions

• https://personalcareproductssettlement.com/
• CVS Class Action Privacy Settlement (Up To $5 Without Proof, $10 With)
• Apple iPhone Class Action Settlement – Select iPhone 15 & 16 Purchases ($25-$95 Estimate) – Doctor Of Credit
• Cash App payout $96.43
• Oracle payout $37.42

Deals

• Costco.com Selling Again Uber & DoorDash eGiftcards with 20% Discount – Doctor Of Credit
• 70x Serta @ Capital One Offers (HT Ray in discord)
  • Still waiting in Cap One Offers..
• Costco.com: $100 inKind Giftcard For $69.99 (Limit 5) – Doctor Of Credit
• Staples: Apple Airpods Pro 3 for $169 – Doctor Of Credit
  • Not showing for me. Was there but now only full price shipping. Was in store pickup for lower price
  • Was hoping to use $240 rewards points from luggage deal last year
    • Ep 66
• GetUpside adds passive rewards for nonsupported stations

Other

• Hyatt Ends Partnership With American Airlines, Announces New Partnership With Delta Airlines
• [Now Live] Wyndham Devaluation – New 45,000 Point Tier, Tier Changes & 7,500 Point Tier Lowered To 5,000
• I guess Chime is buying Stride bank
  • Chime Announces Agreement to Acquire Stride Bank | Chime Financial, Inc
  • HT Kleed
• American Express Launches High Yield Business Savings Account – Doctor Of Credit
• Chase Sapphire lounge coming to Seattle
• Hilton To Launch New Loyalty Tier ‘Black Diamond’ (Above The Honors Society/Diamond Reserve)
• Capital One Shopping Ticket reward posted even with canceled tickets!
• Current changing banking partners from Choice Financial Group to our new partner bank, Cross River Bank saying no action needed in subject but recommends changing to new routing and account numbers
  • I keep X-ing out of the new terms every time I open the app out of spite
• Airlines are now not required to provide hotel accommodation, meal vouchers, or ground transportation if you face a disruption in your travel plans starting October 19th – reddit
• First foray into Buying Groups

Canada Trip 

• BOS -> YUL
  • Stephanie’s refused 2 guests
  • Uber line was crazy
• YUL -> BOS
  • Insane traffic to arrive via Uber, like >30m at the airport
  • Go to P4 parking and take the shuttle
  • Priority pass lounge near 81 is under construction and the one by 77 does not take PP so no options

Utah Trip

• BOS -> SLC
  • Out of terminal A
  • Delta Main Basic doesn’t work at Delta lounges wth
  • National Premium SUV
• SLC -> BOS
  • Centurion lounges w/ 2 guests