Churners Digest

Episode 51: Interview w/ Former Enzo Co-Founder & CEO Jeremy Shoykhet Oct 25, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Shownotes can be found on the companion site!

https://fearthez.com/2024/10/25/episode-51-interview-w-former-enzo-co-founder-ceo-jeremy-shoykhet/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 50: CFPB Update, Bonuses & The Tenderloin Oct 16, 2024

Shownotes can be found on the companion site!

https://fearthez.com/2024/10/15/episode-50-cfpb-update-bonuses-the-tenderloin/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 49: CFPB Pettiness, SUBs and Robinhood Updates Sep 24, 2024

Shownotes on companion site!

https://fearthez.com/2024/09/23/episode-49-cfpb-pettiness-subs-and-robinhood-updates/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 48: SUB Payouts, An Unfortunate Rant & Lots of News! Sep 07, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/09/07/episode-48-sub-payouts-an-unfortunate-rant-lots-of-news/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 47: Topic Episode - Bank Account Bonuses for Dummies Aug 22, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

This episode was essentially me reading and elaborating on the show notes so please check it them out!

Show notes on companion site

https://fearthez.com/2024/08/21/episode-47-topic-episode-bank-account-bonuses-for-dummies/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 46: Class Actions Galore, SUB DPs & I Broke My Promise... Aug 13, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on the companion site!

https://fearthez.com/2024/08/12/episode-46-class-actions-galore-sub-dps-i-broke-my-promise/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 45: Boise Travel Woes, Bonus Wins & New Cards Aug 01, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Shownotes on the companion site!

https://fearthez.com/2024/07/31/episode-45-boise-travel-woes-bonus-wins-new-cards/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 44: New SUBs, FDIC Updates & Discord! Jul 19, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes can be found on companion site!

https://fearthez.com/2024/07/19/episode-44-sew-subs-fdic-updates-discord/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 43: Custom Cards, Evolve Leak & Gift Cards Galore Jul 10, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/07/10/episode-43-custom-cards-evolve-leak-gift-cards-galore/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 42: More Fails, WF & Bilt, CLEAR Experience & Music! Jun 22, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/06/22/episode-42-more-fails-wf-bilt-clear-experience-music/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 41: BofA PRE Headaches, Amex Rebound & GC Discounts Jun 13, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on companion site!

https://fearthez.com/2024/06/12/episode-41-bofa-pre-headaches-amex-rebound-gc-discounts/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 40: More Coupon Books, Amex Fails & 6.75% APY Savings Account Jun 05, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Shownotes on companion site!

https://fearthez.com/2024/06/04/episode-40-more-coupon-books-amex-fails-6-75-apy-savings-account/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Travel Episode: London, Prague, Amsterdam May 21, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Shownotes on companion site! https://fearthez.com/2024/05/21/travel-episode-london-prague-amsterdam/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 38: CFPB Updates, Amex, BofA & Chase News and So Much More May 12, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site

https://fearthez.com/2024/05/12/episode-38-cfpb-updates-amex-bofa-chase-news-and-so-much-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 37: More on Robinhood, Amex Plat & A Trip Down Memory Lane Apr 16, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

https://fearthez.com/2024/04/15/episode-37-more-on-robinhood-amex-plat-a-trip-down-memory-lane/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 36: Robinhood Activity, Amex Plat & Lots of News! Apr 09, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/04/08/episode-36-robinhood-activity-new-cards-bonuses/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 35: Light Up Cards, Cash Back Woes & Curve Updates Mar 26, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes can be seen on the companion site!

https://fearthez.com/2024/03/26/episode-35-light-up-cards-cash-back-woes-curve-updates/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 34: A Saga Returns, GCs & More Bank Closures Mar 19, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy! Show notes on the companion site https://fearthez.com/2024/03/19/ep-34-a-saga-returns-gcs-more-bank-closures/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 33: Bank Closures & Changes, Home Internet Deals and CCs Mar 12, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Shownotes on companion site

https://fearthez.com/2024/03/11/episode-33-bank-closures-changes-home-internet-deals-and-ccs/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 32: End of Sagas, Nationwide & Regional SUBs & More Mar 06, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on the companion site

https://fearthez.com/2024/03/05/episode-32-end-of-sagas-nationwide-regional-subs-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 31: FDIC, GuitarCenter, KeyPoint BofA, CapOne Acquisition & Curve Feb 27, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/02/26/episode-31-fdic-guitarcenter-keypoint-bofa-capone-acquisition-curve/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 30: BofA Application, DPs & FDIC Update Feb 19, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

See the show notes on the companion site!

https://fearthez.com/2024/02/19/episode-30-bofa-application-dps-fdic-update/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 29: ATM Reimbursements, SUBs & 2023 Year End Summary! Feb 07, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

See the Companion Site for Show Notes!

https://fearthez.com/2024/02/06/episode-29-atm-reimbursements-subs-2023-year-end-summary/

2023 Year End Summary

https://fearthez.com/2024/02/06/2023-spending-recap-new-year-not-much-has-changed/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 28: CC Funding, Settlements & Credits! Jan 29, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

See the companion site for show notes! https://fearthez.com/2024/01/28/episode-28-cc-funding-settlements-credits/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 27: Bankrupt Airlines, Bonuses, More Sagas & Updates Jan 21, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/01/21/episode-27-bankrupt-airlines-bonuses-more-sagas-updates/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 26: New SUBs, $2.5k CC Funding, Guitar Center Saga & More Jan 15, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on the companion site!

https://fearthez.com/2024/01/15/episode-26-new-subs-2-5k-cc-funding-guitar-center-saga-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 25:Bonuses, CCs, Sagas & Shutdowns? Jan 09, 2024

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site!

https://fearthez.com/2024/01/08/episode-25bonuses-ccs-sagas-shutdowns/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 24: FMF Purchases, Industry Notes & Chargeback Wins! Dec 28, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Shownotes on companion site!

https://fearthez.com/2023/12/27/episode-24-fmf-purchases-industry-notes-chargeback-wins/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 23: Industry Updates, My Shopping Deals & More! Dec 14, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on companion site

https://fearthez.com/2023/12/13/episode-23-industry-updates-my-shopping-deals-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 22: Holiday Discounts, $250 Free Bets & Gift Cards! Dec 05, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Companion Post: https://fearthez.com/2023/12/04/episode-22-holiday-discounts-250-free-bets-gift-cards/

If you want, support me on patreon!

Referral page: https://invt.co/u/sytvBFfbj

Intro music can be found here!

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 21: Free Patreon Access, Housekeeping and Black Friday! Nov 26, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on the companion site!

https://fearthez.com/2023/11/26/episode-21-free-patreon-access-housekeeping-and-black-friday/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 20: HMB & Ness Dead, Massive GC Deals & More Nov 17, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

Show notes on the companion site!

https://fearthez.com/2023/11/17/episode-20-hmb-ness-dead-massive-gc-deals-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 19: Albert Paywall, BofA 2x Day Stats & others Nov 11, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

See the show notes on the companion site!

https://fearthez.com/2023/11/11/episode-19-albert-paywall-bofa-2x-day-stats-others/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 18: $1 off Coffee, Deals & CVS Making People Blind?! Nov 05, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

See the show notes on the companion site!

https://fearthez.com/2023/11/05/episode-18-1-off-coffee-deals-cvs-making-people-blind/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 17: Brokerage Bonuses, Checking/Savings SUB & Free Taco! Oct 29, 2023

See the show notes/companion post on my site! https://fearthez.com/2023/10/29/churners-digest-episode-17-brokerage-bonuses-checking-savings-sub-free-taco/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 16: Topic Episode - Europe Trip Oct 24, 2023

For show notes, see this post on my blog!

https://fearthez.com/2023/10/24/episode-16-topic-episode-europe-trip/

Disclaimer: I am not a financial or tax advisor. This is not financial or advice. This is for entertainment purposes only. Enjoy!

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 15: Extra 2% Day, Venmo Offers, Bye Curve? & More Oct 14, 2023

See show notes on the companion site!

https://fearthez.com/2023/10/14/episode-15-extra-2-day-venmo-offers-bye-curve-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 14: IRS, CFF SUB, $120 Verizon Savings & Others Oct 07, 2023

Disclaimer: I am not a financial or tax advisor. This is not financial or advice. This is for entertainment purposes only. Enjoy!

Update: mentioned this in the Simple Finances discord a few days ago but forgot to add it to my notes. There are elevated targeted Venture X referral codes as reported by DoC and first reported on reddit

Companion post

If you want, support me on patreon!

Referral page: https://invt.co/u/sytvBFfbj

Back from Europe Trip - bit sick
Shout-out the madman and legend Kleed for being a patreon supporter!
Shout out Kai of The Daily Churn podcast for the shoutout

25 referrers - welcome! The Kai effect
Latest Episode
Churning Life - latest episode 3

Lesson Learned: Roth income & 401k IRA effects

Bilt closed loophole for Curve
New Priority Pass blog post to keep track of my visits
New Amex Gold Business changes
New bank SUB DBs
Save update

George P Save Referral

Chase Freedom Flex 5x on Groceries and Gas is public & via referrals

$200 Airbnb gift card w/ $20 BestBuy gift card [Expired]
Verizon $10 off per line loyalty credit
Google Podcasts gone by 9/24 to be replaced by YouTube Music podcasts

5% of total listens all time

Stay tuned for upcoming Trip Abroad topic episode
Future Accounts Breakdown episode

I have 53 open bank accounts and 25 open credit card accounts. I plan on doing a topic episode about each and their uses!

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 13: Revived Posts, Increased SUBs & America is Doomed! Sep 23, 2023

Skip ahead to 10 minutes if you want to get right to the Churning news/updates!

Companion Post

Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy!

Shout-out the madman and legend Kleed for being a patreon supporter!

Soon the site will be ad free!

Call out Google Podcast, PocketCasts (removes white noise), Apple Podcasts & Overcast
Demographics! - See screenshot on companion blog post!
Revived articles

Highlighted Article

Card Designs

Liberty Bank SUB for $200 DP
Venmo $5 on $50+ Amazon purchase (targeted, maybe works for GCs?)
PNC Cash Rewards Increased SUB

$200 after $1k spend in 3 months, plus double cash back first year if opened in branch

Wells Fargo Active Cash Increased SUB

$300 for $1.5k spend in 3m

Costco removes Discover from online shopping

Can get around with Curve (my writeup) (podcast episode including Curve info) (DoC discussion on Curve as a way around this)

No more multiple Citi Custom Cash cards
Capital One $350 checking SUB

DD $250 twice in 75 days for $350

Credit Card Losses Rising At Fastest Rate Since Great Financial Crisis - CNBC & /u/Econ0mist

Goldman Sachs hurting after Apple Card snafu

9/25 free 4 at home COVID tests
Wesbanco $400 checking bonus (WV, PA, OH, IN, KY, MD)

DD $500+ in 60 for $400

AnnualCreditReport.com is now permanently available weekly
15% off Uber and other GCs at OfficeDepot/Max
BofA Double Cash Back Days 10/2-10/6

Panera 10%, Jamba 10%, HeyDude 10%, Aldo 15%
Rant: Chase & BofA Offers

Gone for 2 weeks, abroad episode when I return: cards used, lounges etc

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 12: HMB Update, Recycling Rant & More Bank SUBs Sep 15, 2023

Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy!

Companion post

Support me on Patreon!

Shout-out the madman and legend Kleed for being a patreon supporter!
CFPB complaint successful and Amex acknowledge that I should receive MR on my federal income tax payment and that I also met the SUB MSR with the help of this spend. Precedence set again

https://reddit.com/r/churning/s/x82xQOXwaG

$200 BofA SUB - $2k DD in 90, lots count as DD

https://www.doctorofcredit.com/bank-america-100-checking-bonus-public-nationwide/

Chase Business Ink 90k - denied

# of recent apps, business structure, insufficient business relationship
https://www.doctorofcredit.com/chase-ink-90000-offers-slated-to-end-soon/

Supplement paid $5 to my PayPal

https://www.doctorofcredit.com/keurig-coffee-pods-class-action-lawsuit-potential-5-or-36-per-household

HMBradley remove all requirements for top tier, all you need is a $500 deposit to get 4.7%, 0% otherwise. No CC or positive cash flow required

https://www.hmbradley.com/APYs-NYCB?utm_campaign=Simplify+APY+Announcement&utm_content=Simplify+APY+Announcement+-+B&utm_medium=email_action&utm_source=customer.io

$300 travel credit for Venture X is now a coupon applied at checkout

https://www.doctorofcredit.com/capital-one-launching-premium-venture-x-card-with-100000-points-200-signup-bonus-395-fee-300-travel-credit-10k-annual-bonus/#comment-1692102

TreeCard is closing their debit card, potentially introducing CC in the future

$200 SUB for $500 deposit, 10 debits & eStatements, $100 CC fund per account

$200 SUB for $100 DD in 90 days

https://www.doctorofcredit.com/ny-only-bethpage-credit-union-200-checking-bonus/

E trade issues with wealthfront

Action items: 500k HMB but FDIC insured up to $250k

Kevin Hart Skit

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 11: GC & Streaming Discounts, NJ CC Law & More! Sep 09, 2023

Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy!

New! You can now support me on patreon! Completely optional and nothing about the podcast or blog will change but if you want to support me, you can!

Also new, a page dedicated to my referrals! I am trying this out so if you don’t like it please let me know. New referral page: https://invt.co/u/sytvBFfbj

Would you be interested in a deep dive into an Albert feature (not boosts)?

1 sounds interesting, one maybe. Prob will not cover

US Bank Altitude Connect Free Mobile Data

Complimentary 1 GB/15-Day global mobile data plan from GigSky

New referral page: https://invt.co/u/sytvBFfbj
TradeStation Bonus

Deposit and maintain $500 for 30 days for $150 bonus
My DP
Info on what account I opened

New NJ Credit Card Fee Laws

Business must disclose the credit card fee they will be charging customers before purchasing
Business are not allowed to make a profit on the credit card fee if they charge one

10% off Uber gift card ($100 for $90)
Staples no fee Mastercard gift card (max 8)
Disney+ New & Eligible returning customers 3 months basic for $1.99/m
Disney Trp Bundle $19.99 -> $24.99

Amex Plat statement credit is $20, this now exceeds the credit
Disney Bundle Duo Premium costs $19.99 but does not have ESPN

CapOne Lounge IAD open (will go on 10/21 will cover on pod/blog)
Flu Shot Deals

[IA, IL, IN, KY, MN, WI & MI] Old National Bank $250/$450 Checking Bonus

High DD requirement

$50 for Michigan residents funding $1k into a 529

Seems there is a more broad offer here too

$15 BestBuy GC when purchasing $100 DoorDash GC
170k MR Platinum Links floating around
Discover Q4 Amazon & Target
Discounted AAA, can stack with $5 Chase offer (YMMV)
Dosh $20 off Costco membership

Referral $10

Closed Current, gave me a free $0.75
Mostly moved from Juno to Wealthfront

Nice debit card & simple app
Accidentally double paid Discover
Leaving some $ in Juno just in case

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 10: Best HYCAs, SUB, $25 off Target & More Aug 30, 2023

Companion Post

BofA new categories: Online shopping includes cable, streaming (was already included), internet, and phone plan and gas now includes EV charging

Albert Genius now $14.99

Free trial still churnable
Touch on idea
Referral link

Ally bank checking bonus https://www.doctorofcredit.com/ally-bank-200-checking-bonus-get200/

Does not stack with referral

Targeted Apple Card 5% back offers

Ally Referral - thanks!
Current fee change

Inactivity charge of $5 after 12m, closure fee of $10. Note: the minimum to transfer was $1. They credited me a free $0.75 so I could transfer out LOL

Target 20% back up to $10 Cash App

Targeted for $15 off $90 spend Target Circle offer
Maybe use PayPal split to hey 10% back (up to $5) with Albert and $10 with Cash App
$100 spend, $25 discount or 25% off

Thought process for new main checking account

Requirements:

Checking account
HYA (>4%)
ATM network or reimbursement

Leaving Juno

Bipass login bug
Change to $20k for 5%

Options:

Robinhood Gold

4.9%, ATM network, 3% IRA match (with vesting period), checking, $60/y fee
Looking at my spend for last year, if I were to achieve BofA Platinum Honors status, I'd get an extra $196 in cash back per year. Not to mention my BofA spend this year went way up now that I have my ⁠curve strategy. Gold would net me $135 after the AF ($6500 *3% - $60 = $135 net per year), plus that $135 would not vest for 5 years. 5 years of IRA contributions would get me to Platinum Honors and at that point only one year of my $135 IRA match would be vested
My referral

Wealthfront

4.8% w/ .5% boost with referral (up to 6 month stack) & ATM network
My referral

Fidelity Bloom

5%, cash management account ATM reimbursement, not FDIC insured but SIPC which does not cover SPAXX dropping

HMBradley

4.7%, requires positive cash flow & $500 deposit, & $500 spend on CC, BofA does not support for AutoPay

Moving all Autopays and DD to Wealthfront

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 9: Bank Churns, Join Save, Gas Savings & More Aug 22, 2023

Companion Post

Recent Bank SUBs

Liberty Bank (CT, MA, RI)

$1k CC funding
Any DD or 5 debits in 60 days for $300
Turn off eStatements

First Commonwealth (PA, NJ)

$500 CC funding
Any DD or deposit $1k in 60 days for $300

Update on Save

The referral $5k isn’t invested into your portfolio but is defaulted to the Save Global Multi-Strategy Portfolio and can't be changed
Estimated 6% return based on previous performance
Blend of USD, bonds and 7% S&P500
Save Referral - park $1k for 1 year get $6k worth of investments returns if there are any

BofA PRE Lifestyle credit (card discussed here)

Flyer Talk discussion
Took two phone calls but finally got the lifestyle credit for the purchase

Shell

Albert Genius (paid service) free month trial is churnable. Cancel a day or two before the charge hits then sign up again

Fuel Rewards Referral (free)
$0.05/g from Gold Status
$0.05/g from 4 Dunkin purchases
$0.05/g from 4 fill ups using the Shell app
$0.20/g from 21st promo
10% off with Albert

Referral link

Curve x Bilt Discussion

IMO, BofA MC CCRs w/ Preferred Rewards boost is better albeit requires more work to set up
Topic Episode Link for more info on Curve x BofA

Samsung Money $220 bonus (requires Samsung smartphone)

DD $1k for $220

SECU Maryland $250 bonus

My DP (I did each as $500)
2DD/m >=$500 total & set up eStatements for $250

NJ Property Tax Relief

Juno 5% now requires $20k in the account

Referral link

Ally Referrals $50-$100

Referral link

Santander in branch $400 offer (NH, MA, RI, CT, DE, NY, NJ, PA, FL)

$5k total DDs in 90 days for $400
Must not have had an account in the last 12 months (churnable)

Paramount+ & Sportsline 7 months for $0.99

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 8: DoC Highlights, Priority Pass & Bonuses Aug 01, 2023

Quick & dirty episode, been busy but wanted to get something up!

YMMV 10% back on PayPay up to $300 spend/$30 cash back

https://www.doctorofcredit.com/ymmv-paypal-get-10-back-on-up-to-300-in-purchases-anywhere/

CapOne BJs $10 membership

https://www.doctorofcredit.com/ymmv-capital-one-10-bjs-membership/

HMBradley $25 routine Targeted Expired promo

https://www.hmbradley.com/Routines-Funding-Offer-July?utm_campaign=Offer+Test+%232+-+Try+Routines+and+Get+%2425&utm_content=July+Flash+Offer&utm_medium=email_action&utm_source=customer.io

$300 Liberty Bank SUB (MA, CT, RI only)

https://www.doctorofcredit.com/ct-ma-ri-only-liberty-bank-300-checking-bonus/
CC funding allowed, waiting to activate SoFi card to open, apparently $1k funding per account opened

New CCs

SoFi $200 for $2k spend CreditKarma offer

I somehow have two SoFi accounts. Made one years ago then made a new one in 2022 for a $200 banking SUB. CC app was approved but was put under my old account. Had to call, they can’t merge the accounts so now I have two lol

Wells Fargo Bilt Card

Deliberated on opening this as it wasn’t really worth it imo. Now that I was 11/24 with 6 in the past 2 months I thought I would try
Went pending then denied. Called and told to call back when I get the letter
Got the letter, recon isn’t really recon they only say to call Experian to change things if the report is inaccurate otherwise there is nothing they can do

Amex Google One targeted offer

https://www.doctorofcredit.com/targeted-amex-offer-google-one-get-30-back/
I have Google One and like it. If you order Google devices, their 2TB plan gets you 10% back on the store which is awesome and stack with CC rewards
When I signed up they have away a free Nest Hub Mini, might still be available

https://www.androidpolice.com/upgrade-google-one-2tb-annual-storage-plan-free-nest-hub/

Discover savings account bonus is back. Cumulative deposits still count

https://www.doctorofcredit.com/discover-savings-150200-bonus-1500020000-deposit-new-exp-103117/

Targeted $300 SUB for $500 spend on Quicksilver

https://www.doctorofcredit.com/target-in-app-capital-one-quicksilver-300-signup-bonus-with-500-spend/

Target Red is dead

https://www.doctorofcredit.com/target-redcard-churning-is-dead/

Upgrade $150 Referral DD $1k in 45 days

Priority Pass Restaurants

Used at two different restaurants 2.5 hours apart in the same airport and got the credit both times

I-Bond Selling

https://www.doctorofcredit.com/212507-2/

Costco

https://www.doctorofcredit.com/groupon-buy-costco-membership-for-60-get-bonus-45-shop-card-40-online-discount-more/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 7: New Apps ($1.1k value in first year!), Gift Cards & Bank SUBs Jul 09, 2023

Companion post on my blog

~20% Uber Gift Cards

https://www.doctorofcredit.com/target-circle-15-off-uber-giftcards/

My recent applications

Bank of America Premium Rewards Elite elevated 75k points for $5k in 3 months.

Link here

See for links on what counts for $300 airline credit (AA gift cards)

Net value after AF of $1.1k when maxed out due to double dips
Applied & approved no problem at 10/24 and 6/12 (max for BofA w/ relationship). If you can meet the MS, I recommend this over PR
$150 lifestyle credit has not tracked for HBO Max $150 payment

Called CS, rep said it should count and they submitted a request to get it reviewed and manually credited. Will update if it hits

Applied 6/20/2023, MSR met 7/7/2023, $750 points posted same day
Keep in mind BofA 12 month rule & others

https://www.doctorofcredit.com/things-everybody-should-know-about-bank-of-america/

Chase Amazon Prime Visa $200 no spend

Referral
Applied at 10/24, initially sent to pending, called and found correct recon department. Card does not apply to 5/24 rule but will count towards 5/24
Rep quoted my denial reason (too many new apps OR too high limit with Chase). Explained I opened cards recently for travel coming up and wanted this new card for Amazon prime day. Asked to reallocate credit limits from other cards (have $21.3k with them). Reallocated and approved
Rep seemed very skeptical of my file but willing to help

Plan on applying to more cards until I finally get declined since my profile is already LOL

Bank SUBs hit my account

bankHometown $250, waiting on $50 EOY

https://www.doctorofcredit.com/ma-bankhometown-200-checking-bonus/#comment-1650033

PNC $400

https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/#comment-1628164
Will be closing account soon

Capital One 360 Performance Savings

90 day holding period over, will move money out to Juno for 5%
https://www.doctorofcredit.com/capital-one-100-500-savings-bonus-requires-10000-100000-deposit/

Capital One Venture 100k points links floating around. If you find one, get it!

https://www.doctorofcredit.com/capital-one-venture-100000-point-bonus/

Free $50 with Capital One shopping at Staples

https://www.doctorofcredit.com/ymmv-capital-one-shopping-50-back-on-staples-purchase/
I have this but Ink does not work. Be sure to read terms & conditions

Laurel Road $300 + $20/m SUB

https://www.doctorofcredit.com/laurel-road-300-checking-bonus-25-per-month-available-nationwide-must-be-a-nurse/

Wells Fargo $325 SUB

https://www.doctorofcredit.com/wells-fargo-325-checking-bonus-available-online/

Expired 75% off DoorDash max $20 value

https://www.doctorofcredit.com/doordash-promo-codes-25-off-with-25off4u-20-maximum-savings/
Remove old Chase card then add new one and you can get another 3 months

Thinking of opening business for this podcast mainly to venture into Business accounts
Free Slurpee

https://www.doctorofcredit.com/7-eleven-free-small-slurpee-until-7-10-another-on-7-11/

Amazon Prime Day coming up

I will prob buy a Kindle Oasis
Check YMMV CC points on Amazon promo codes

https://www.doctorofcredit.com/amazon-shop-with-points-deals-renewed-through-prime-day-up-to-200-in-savings/

MooMoo referral

Network Change BofA CCR to MC for Curve support

PCed PR to CCR. Not allowed to PC and network change in same transaction. Card arrived in mail, called and did network change. Will receive card in 2-4 weeks. AFAIK only available for CCR
https://fearthez.wordpress.com/2023/05/20/topic-episode-curve-x-bofa-5-25-cash-back-on-all-spend/

$15 back on $25+ w/ GRUBPRIME at GrubHub 7/11-7/12

https://www.doctorofcredit.com/amazon-prime-free-year-of-grubhub/

--- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 6: Back to Basics - New Cards and Free Dinners Jun 14, 2023

Apologies about the mic pops. I’ve got a pop filter on the way :( Companion post: https://fearthez.wordpress.com/?p=1000 Airbnb gift cards https://www.doctorofcredit.com/target-com-purchase-200-in-airbnb-giftcards-get-20-target-giftcard-for-free/ https://www.doctorofcredit.com/best-buy-buy-200-airbnb-giftcard-get-20-free-best-buy-giftcard-2/ Uber Gift Cards https://www.doctorofcredit.com/best-buy-buy-200-airbnb-giftcard-get-20-free-best-buy-giftcard-2/ (active) https://www.doctorofcredit.com/newegg-100-uber-egiftcard-for-90-limit-10/ https://www.doctorofcredit.com/giftcards-com-save-10-15-on-selected-giftcards-uber-petsmart-more/ (active) New CCs Wells Fargo Active Cash $200 $500 spend 3 month 15 month 0% $3k limit Apple Card The link on Apple's site should explicitly mention the $75 on any purchase bonus. Try incognito if it's not showing, I am still able to get it to show https://www.doctorofcredit.com/apple-card-75-signup-bonus-when-you-spend-75-at-nike/ $150 SUB $75 spend + a McChicken $3k limit Weird behavior with Curve and SUB. FNBO Evergreen $200 $1k spend 3 months $22.5k limit Call to apply Card Images page: https://fearthez.wordpress.com/2022/01/23/card-designs/ Ocean First Bank 1099 Abington Bank https://www.doctorofcredit.com/ma-only-abington-bank-200-checking-bonus/ Denied (Chex) People First CU https://www.doctorofcredit.com/pa-only-people-first-federal-credit-union-200-checking-bonus/ No response after sending ID. According to comments mailing online account credentials Lost Wallet Bellroy wallet (10% RetailMeNot) Tile (10% TopCashBack) Top Cash Back BlueApron $75 offer for a box max 5 meals 2 “servings” for $59, $16 money maker Double dip? Doesn’t check email to match TopCashBack account, can churn (I have done this 3 times for $202.76 total and $155 claimed $2.50 incentive for $15 spend https://www.doctorofcredit.com/topcashback-get-3-bonus-when-you-spend-10-today-only/ Can purchase gift cards or double dip on the BlueApron deal https://www.topcashback.com/topcashback-gift-cards/ Referral $10 https://www.topcashback.com/ref/fearthez Epic HBO Incident https://www.doctorofcredit.com/topcashback-73-back-on-hbo-max-stack-with-25-from-amex-offer-for-free-annual-membership/ Google Settlement https://www.doctorofcredit.com/google-search-referrer-headers-class-action-settlement/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Topic Episode: Apartment Rant Jun 12, 2023

Welcome to this weeks episode! This is a topic episode and apologies to those who want churning nes, but it is time for the apartment rant I promised in Episode Three., If you don’t want to hear me complain about my old apartment complex, tune out now. New Churnersd Digest episode coming soon with three CC app DPs, bank churn updates, some GC purchases I made and more. Thanks Kleed for motivation to make this episode - hard time getting motivated so thanks for all your contacts Update on last week, I said BofA business could work but it can’t, different categories. Apologies Disclaimer: I am intentionally trying to not disclose the apartment company in full. Please do not try to find the complex. If you do, I do not condone sending them any hate or messages. I plan on leaving a public review on their pages at some point. This is not intended to be a witch hunt so please do not send any hate to this company. The blog post text is too large to fit here so I will just provide links to the post: https://fearthez.wordpress.com/?p=973 --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Topic Episode - Curve x BofA: 5.25% Cash Back on All Spend May 20, 2023

UPDATE: I said that the business version of the CCR would work for this. I failed to notice that the 3% categories on that card are different than the personal so it won't work for the internet category 5.25% flos Welcome new listers from /r/churning! Text companion on fearthez.wordpress.com and blog.simplefinances.net/fearthez Old Percents vs Curve post How to get max Requires Curve card (email me for referral churnersdigest@gmail.com) & Bank of America Customized Cash card Customized cash lets you choose your category: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings Online shopping includes all online purchases made online excluding some categories listed in this doc Curve “hack” - all purchases show up as online shopping category for 3% (note the Y for Online Shopping and this was purchased in person with my Curve Card) When using curve, you are not paying directly with your BofA card but with your Curve card first. Then Curve charges BofA which, to BofA, looks like an online purchase because it basically is (kind of like to PayPal or Shopify platform) Preferred Rewards earns you a 25%-75% boost on cash back - 3.75%-5.25% (my brief coverage of this is in this post under Bank of America) Can hold multiple Customized Cash. Each has a max quarterly spend in the category (including the 2% for wholesale and groceries) of $2.5k Caveats: has to be MC variant of Customized Cash because Curve doesn't support Visa at the moment Business variant is MasterCard You can hold multiple Customized Cash cards. List of Customized Cash variants (all Visa now and some no longer available) I was told by CS rep that I could PC my Premium Rewards card to a MC Customized Cash but YMMV I was also told that I could convert my existing Visa Customized Cash to a MasterCard but again YMMV Curve is releasing Visa support “in the coming weeks” which I have little faith in but we shall see Upcoming: Churning for Dummies: very low level basics of churning & intro options to do for beginners Ness Well review Churners Digest Ep 5 Apartment Rant --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Episode 3: I'm Back! SUBs, New CC Churns, Curve Tricks & More May 01, 2023

Shout out Tom R for the motivation! Discover SUB https://www.doctorofcredit.com/discover-savings-150200-bonus-1500020000-deposit-new-exp-103117/ CapOne SUB https://www.doctorofcredit.com/capital-one-100-500-savings-bonus-requires-10000-100000-deposit/#comment-1581807 Ness card www.nesswell.com https://www.doctorofcredit.com/ness-wellness-credit-card-50000-point-500-bonus-349-annual-fee/ Oxygen https://fearthez.wordpress.com/2022/08/22/oxygen-bank-convoluted-yet-elegant/ https://www.doctorofcredit.com/oxygen-fintech-110-referral-bonus-for-each-party-requires-direct-deposit/ Referral: https://go.onelink.me/vjPj/?af_js_web=true&af_ss_ver=2_1_1&pid=af_app_invites&c=OxygenUserinvites&af_channel=owned&af_sub1=1420461&af_siteid=com.oxygenbank&url_timestamp=2023-04-30_17:19:51&af_referrer_customer_id=1420461&is_retargeting=true bankHometown https://www.doctorofcredit.com/ma-bankhometown-200-checking-bonus/ USBank Business bonus https://www.doctorofcredit.com/u-s-bank-750-business-checking-bonus-2/ Moomoo referral ~$40 value $1k for 60 days https://j.moomoo.com/00xcZv PNC bonus https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/ BBBY bankrupt Albert x Curve Albert: https://fearthez.wordpress.com/2022/01/30/albert-neobank-overview/ Curve: https://fearthez.wordpress.com/2022/11/23/one-card-to-rule-them-all-but-which-is-better-curve-vs-percents-cross-post/ Chase My Bonus https://www.chase.com/mybonus CSP 80k in branch I think it'll go to 100k https://www.doctorofcredit.com/chase-sapphire-preferred-80000-points-signup-bonus-via-referral-link/ KeyBank www.doctorofcredit.com/unknown-location-restrictions-keybank-200-checking-bonus/ Apple purchases Macbook Air M1 256 8 $600 Ebay 3 Apple TV 4k 128gb 3rd gen ~$100 I-Bonds 3.4% +.9% = 4.3% May https://www.doctorofcredit.com/new-i-bonds-rate-announced-4-30-3-40-variable-rate-90-fixed-rate/ I will probably hold through this rate because of no state tax Upcoming: Ness review talking to CEO and Product Manager Moving, post trashing complex --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support