Stay ConnectedA place to hear updates about happenings in the churning space. I am using the term churning loosely here as I plan to share updates on bank/fintech updates, SUBs for banks and CCs I think are worth highlighting, and other topics related to the finance sphere
I will also have an accompanying written companion for each episode on my site https://fearthez.com/
Inspired by https://thedailychurnpodcast.com with love
Business email: churnersdigest@gmail.com
Copyright: © FearTheZ
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
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
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
Paceline update
Nation wide SUB Wells Fargo
$525 WellsFargo in branch savings bonus
Target Circle Week
RED card churning
Amex SUBs
SVB
Chase higher SUBs ending
CSP 90k in branch SUB
Enzo no cash back?
MA Sports Betting Legal, get SUBs
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