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/
Heavily inspired by https://thedailychurnpodcast.com with love
Business email: churnersdigest@gmail.com
Copyright: © FearTheZ
Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!
Link to show notes on companion site!
https://fearthez.com/2025/02/24/episode-57-shutdowns-bonus-payouts-more/
Shownotes on the companion site!
https://fearthez.com/2025/01/29/ep-56-caaas-cc-subs-all-the-amex-updates/
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 the companion site!
https://fearthez.com/2025/01/06/episode-55-2024-review-bonuses-lots-of-robinhood/
Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!
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 the companion site!
https://fearthez.com/2024/11/20/episode-53-juno-win-puj-free-30-per-month/
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/2024/11/03/episode-52-cfpb-amex-wins-fines-disputes/
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/
Shownotes can be found on the companion site!
https://fearthez.com/2024/10/15/episode-50-cfpb-update-bonuses-the-tenderloin/
https://fearthez.com/2024/09/23/episode-49-cfpb-pettiness-subs-and-robinhood-updates/
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/2024/09/07/episode-48-sub-payouts-an-unfortunate-rant-lots-of-news/
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!
https://fearthez.com/2024/08/21/episode-47-topic-episode-bank-account-bonuses-for-dummies/
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/
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/
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/
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/2024/07/10/episode-43-custom-cards-evolve-leak-gift-cards-galore/
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/2024/06/22/episode-42-more-fails-wf-bilt-clear-experience-music/
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/
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/2024/06/04/episode-40-more-coupon-books-amex-fails-6-75-apy-savings-account/
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/
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/2024/05/12/episode-38-cfpb-updates-amex-bofa-chase-news-and-so-much-more/
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/2024/04/08/episode-36-robinhood-activity-new-cards-bonuses/
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/
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/
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/2024/03/11/episode-33-bank-closures-changes-home-internet-deals-and-ccs/
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/
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/2024/02/26/episode-31-fdic-guitarcenter-keypoint-bofa-capone-acquisition-curve/
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/
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/
https://fearthez.com/2024/02/06/2023-spending-recap-new-year-not-much-has-changed/
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/
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/2024/01/21/episode-27-bankrupt-airlines-bonuses-more-sagas-updates/
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/
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/2024/01/08/episode-25bonuses-ccs-sagas-shutdowns/
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/
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/2023/12/13/episode-23-industry-updates-my-shopping-deals-more/
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
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/
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/
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/
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/
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/
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!
See show notes on the companion site!
https://fearthez.com/2023/10/14/episode-15-extra-2-day-venmo-offers-bye-curve-more/
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
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
Churning Life - latest episode 3
Lesson Learned: Roth income & 401k IRA effects
New Priority Pass blog post to keep track of my visits
Save update
George P Save Referral
Chase Freedom Flex 5x on Groceries and Gas is public & via referrals
https://www.reddit.com/r/churning/comments/1717fed/daily_discussion_thread_october_06_2023/k3qry74/
https://www.reddit.com/r/churning/comments/16zi5iu/daily_discussion_thread_october_04_2023/k3g8nku/
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!
Skip ahead to 10 minutes if you want to get right to the Churning news/updates!
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
Liberty Bank SUB for $200 DP
Venmo $5 on $50+ Amazon purchase (targeted, maybe works for GCs?)
$200 after $1k spend in 3 months, plus double cash back first year if opened in branch
$300 for $1.5k spend in 3m
Can get around with Curve (my writeup) (podcast episode including Curve info) (DoC discussion on Curve as a way around this)
DD $250 twice in 75 days for $350
Credit Card Losses Rising At Fastest Rate Since Great Financial Crisis - CNBC & /u/Econ0mist
Wesbanco $400 checking bonus (WV, PA, OH, IN, KY, MD)
DD $500+ in 60 for $400
AnnualCreditReport.com is now permanently available weekly
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
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!
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
$200 BofA SUB - $2k DD in 90, lots count as DD
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
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
$300 travel credit for Venture X is now a coupon applied at checkout
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
App went pending
$200 SUB for $100 DD in 90 days
E trade issues with wealthfront
Action items: 500k HMB but FDIC insured up to $250k
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
Complimentary 1 GB/15-Day global mobile data plan from GigSky
New referral page: https://invt.co/u/sytvBFfbj
Deposit and maintain $500 for 30 days for $150 bonus
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
Disney+ New & Eligible returning customers 3 months basic for $1.99/m
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)
[IA, IL, IN, KY, MN, WI & MI] Old National Bank $250/$450 Checking Bonus
Seems there is a more broad offer here too
Discover Q4 Amazon & Target
Discounted AAA, can stack with $5 Chase offer (YMMV)
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
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
Ally bank checking bonus https://www.doctorofcredit.com/ally-bank-200-checking-bonus-get200/
Does not stack with referral
Ally Referral - thanks!
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
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:
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
4.8% w/ .5% boost with referral (up to 6 month stack) & ATM network
5%, cash management account ATM reimbursement, not FDIC insured but SIPC which does not cover SPAXX dropping
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
Recent Bank SUBs
$1k CC funding
Any DD or 5 debits in 60 days for $300
Turn off eStatements
$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)
Took two phone calls but finally got the lifestyle credit for the purchase
Shell
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
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)
My DP (I did each as $500)
2DD/m >=$500 total & set up eStatements for $250
Juno 5% now requires $20k in the account
Ally Referrals $50-$100
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)
Quick & dirty episode, been busy but wanted to get something up!
YMMV 10% back on PayPay up to $300 spend/$30 cash back
CapOne BJs $10 membership
HMBradley $25 routine Targeted Expired promo
$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
Discover savings account bonus is back. Cumulative deposits still count
Targeted $300 SUB for $500 spend on Quicksilver
Target Red 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
Costco
~20% Uber Gift Cards
My recent applications
Bank of America Premium Rewards Elite elevated 75k points for $5k in 3 months.
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
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
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!
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
Wells Fargo $325 SUB
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
Amazon Prime Day coming up
I will prob buy a Kindle Oasis
Check YMMV CC points on Amazon promo codes
MooMoo referral
$320-$460 after parking $5k
https://www.doctorofcredit.com/moomoo-invest-sign-up-get-a-free-stock-worth-3-200/
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
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/
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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