Another jam-packed episode recapping all my churns from the last couple weeks. Between catching a cold and family visiting from the East coast, it's been pretty hectic here but also kinda relaxing laying in bed binging Netflix lol. Glad to finally be (mostly) better though 😌
Listen to this episode on Spotify | Apple | Web
Stuff I mentioned in the episode...
- 🛞 Tire repair kit - amazon (affiliate)
📰 Churning News
- NYT article on churning 😂 - nyt | unpaywalled link
- WSJ article on Citi's 4506c debacle 💩 - wsj | unpaywalled link
- Another great reflective piece from irieriley on the recent NYT article - chasing cetaceans
💳 Credit Cards
- Expires 10/27: Southwest Performance Business 120K after $10K spend - DoC
- 25% Chase to Southwest transfer bonus - DoC
- 🎙️ Primer on churning Southwest Companion Pass - Episode 10
- Before 10/26: Transfer your Chase points to Ink/Sapphire to lock in 1.25%/1.5% - DoC
- Chase Sapphire Reserve 125K for $6K - referral
- 🧠 How to auto-forward P2 2FA verification codes - reddit
Chase Points Boost: actually pretty good 🤯
Discounts, Freebies & Money Makers
🛒 Capital One Shopping
- StubHub 18%
- Petco 45% (stack with autoship discount)
- Monarch $140
- Stack with 50% off first year - referral
- Kraken $220
- Stack with $150 for trading $5K - enter code: k8r4kh8y during signup
⚠️
Note: Chuck from DoC emailed and mentioned the trade might need to be actual crypto (eg. Bitcoin) rather than stablecoin to qualify for the referral bonus. It shouldn't matter for the C1S cashback though.
Amazon 40% Off $150
- Use 714 ($10) Amex Points to get $60 off $150 - amazon (affiliate)
🏠 HELOCs & Credit Score Deepdive
- Free churnable 7-day trial showing Experian/Equifax/Transunion FICO 8 scores - experian
- See which free bank apps show Vantage 3.0 vs 4.0 scores - vantagescore
- Current Prime rate: 7.25% - commercebank
- Interactive BRokers margin rate: 5.6% - interactivebrokers
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