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 [email protected]) & 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

https://www.doctorofcredit.com/paceline-credit-card-to-shut-down-apple-watch-statement-credits-ending/

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

https://www.doctorofcredit.com/wells-fargo-525-savings-bonus-with-25000-deposit-in-branch/

https://www.doctorofcredit.com/target-circle-week-march-5-11-get-free-year-of-tripadvisor-plus-99-value/

https://www.doctorofcredit.com/apply-for-a-new-target-redcard-debit-credit-and-get-40-off-40-shopping-trip-11-1-12-26/

https://www.doctorofcredit.com/american-express-excellent-increased-offers-via-referrals-for-both-referrer-new-member-platinum-gold-blue-cash-preferred/

https://www.fdic.gov/news/press-releases/2023/pr23016.html

https://www.reddit.com/r/OutOfTheLoop/comments/11n88pd/what_is_the_deal_with_silicon_valley_bank/jbm60a7/

https://www.doctorofcredit.com/a-number-of-chase-credit-card-bonuses-get-lowered-on-march-19th-freedom-united-slate-ink/

https://www.doctorofcredit.com/starts-3-19-chase-sapphire-preferred-90000-in-branch-signup-bonus/

https://sportsbook.draftkings.com/r/sb/fearthez/US-MA-SB

Two “no brainer” bets bet $50 win $100 Nuggets to hit a 3 and Celtics to score a point

Percents RIP

https://www.allyourcardsinone.com/

Curve Metal

ICONIC shutting down 2/22

https://www.heyiconic.com/

Oxygen 1099

https://www.doctorofcredit.com/oxygen-bank-account-review-cashback-boosts/#comment-1555629

Enzo debit bill pay cash back

www.joinenzo.com

https://usa.visa.com/content/dam/VCOM/download/merchants/visa-usa-interchange-reimbursement-fees.pdf

Chase CLI in app no hard pull

https://www.doctorofcredit.com/chase-allowing-credit-limit-increases-via-app-without-hard-credit-pull/

Paceline shutting down

https://www.doctorofcredit.com/paceline-credit-card-to-shut-down-apple-watch-statement-credits-ending/

CapOne 1099s

https://www.doctorofcredit.com/capital-one-counts-tsa-precheck-credits-other-courtesy-credits-on-form-1099-misc/

https://www.doctorofcredit.com/capital-one-counts-tsa-precheck-credits-other-courtesy-credits-on-form-1099-misc/#comment-1557193

Chicken lawsuit

https://www.doctorofcredit.com/chicken-class-action-settlement-january-1-2012-july-31-2019/

Celsius lawsuit

https://www.celsiusclassactionsettlement.com/

Juno Crypto 10k JCOIN promo

Juno JCOIN gift cards

https://juno.finance/jcoin-explorer