Ep 68 - July Recap: $3,630 + 100K Points

Results of last month's mealkit probe, new churning tools & apps, Pepper changes, hoarding vs cashing points, ideas for sitting cash, debit rewards & local credit unions 👽👉, Bank of America deep-dive, free Chick-fil-A, and much more!

• 08:22 - Credit Cards
• 21:21 - Brokerages
• 28:05 - Banks
• 39:42 - Discounts & Freebies
• 47:15 - Meal Kits
• 51:25 - Final Tally

Show Notes

🧑‍🚒 July Churning Recap

• 🔥 Watch Duty app for tracking wildfires near you - link

⭐️ Member Highlights

• Cashback Cowgirl's bank bonus APY calculator - cashbackcow.io
  • Credit card bonus return calculator - regular | ms edition
• Sam's app for tracking credit card churns & due dates - CardRight

💳 Credit Cards

• 🔥 Increased: US Bank Triple Cash $750 for $6K spend - DoC
• US Bank Business Connect 75K for $6K spend - DoC
  • 💩 Setting up a separate Central Bill login - usbank
• Resy Amex Platinum 100K + 15x Dining on $25K - direct (keep trying)
• [Discontinued] Capital One Savor Rewards Card - DoC
  • New Capital One cards coming soon? - DoC
• Worth reading if you're hoarding points... 👀
  • Unredeemed points have a value of exactly zero - MEAB
  • Establishing a baseline stash of points - MEAB

📈 Brokerages

• [Expired] WeBull 2% Brokerage Transfer Bonus - DoC
• BofA Self-Directed Business Investor Account (BIA) - 71 page form
  • 📍 Finding your Bank of America small business banker - DoC
  • Correction: Opening BIA might actually require a Merrill Financial Solutions Advisor, not a Small Business Banker (thanks Enemy and DangerDong)
• BofA Preferred Rewards status tiers - BofA
• BofA Personal CCR ($10K annual cap) vs Biz CCR ($50K annual cap)

🏧 Banks

• BofA $1K for $20K deposit - DoC | 20% APY
• BofA $1,500 for $50K deposit - DoC | 12% APY
• [Expired] Upgrade $300/$100 Rewards Checking - DoC
  • 💡 Upgrade 1% Rewards Checking Debit card - upgrade

🚿💭 to noodle on...

• 🧠 Ideas for sitting cash (and the recent market dip)
  • Wealthfront 5% (5.5% with referral) - referral
  • Fidelity Launches SPAXX for Cash Management Accounts - reddit
  • 🎙️ The Big Churn: Glidepath Investment Strategy - Ep 62
• 👽👉 Probing local credit unions...
  • There are 4700+ local credit unions - MEAB
  • 🎙️ "Any chance you could..." - Ep 44

🆓 Discounts & Freebies

• Pepper changes reward earning rates (7/26) - DoC
• 💰 Macbook Butterfly Keyboard $50M Settlement - DoC
• Chick-fil-A: Weekly free food until mid-August - slickdeals
• Amazon 40% Off Using 1 Amex Point (targeted) - direct | DoC

🍱 Meal Kit Probe... 🚂

• HelloFresh 75% Off First Box Reactivation Offer - multi-use code