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

thedailychurn -

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!

Show Notes

💡
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🧑‍🚒 July Churning Recap

ChurningFIRE ...sorry

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

⭐️ Member Highlights

💳 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... 🚂

Choo choooo