Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!
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- Sweaty Lemon
- Album on Linktree
- Intro music can be found here!
- Kung Fewer, Kleed & Dion SO kleed tier & welcome Erica to the Kleed tier!! Welcome Rob, Kellz, Dan, RJ, Jessica, Robert, Stefan! Discord growing strong 😮💨
- Correction: US Bank CC gets you access to bank products, no footprint needed
- Robinhood Gold went to $5
- Received an email about a change to “what is included with gold” but no mention of change
- Upgrade
- New Upgrade card (kt Kleed)
- 5% (up to $3k spend/quarter on selected category:
- Dining (default)
- Groceries
- TV, Internet and Streaming Services
- Gas and EV Charging Stations
- Travel, including Hotels and Airlines (no portal needed)
- Cell Phone Providers
- Pet Care and Stores
- Home Utilities
- Drug Stores
- Your accrued cash back will generally be applied to your Upgrade Card balance after your next scheduled monthly payment, at a time and manner determined in Upgrade’s sole discretion and subject to change
- Your card offers you an early repayment option to avoid interest. After your first statement period, interest will generally accrue daily from the day transaction occurs, With EartvPay, you can choose to pay off your statement balance in full two (2) days after your statement in any carryover balance from one statement period to the next. all balances will accrue interest for the next statement period. You can off your line at any time to eliminate further daily interest.
- $200 bonus when you open a Rewards Checking Plus account and make 3 debit card transactions**
- To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions
- DoC
- 5% (up to $3k spend/quarter on selected category:
- Upgrade lowers interest from 5.21% to 5.01%
- New Upgrade card (kt Kleed)
- Crazy Pixel 9 Pro Promo
- Pixel 9 Pro 256gb is $1100. Best Buy is offering $999 for an iPhone 12 Pro trade in (only works on this Pixel purchase and storage size). They go for ~$390 on Swappa. You also get a $200 store credit with the purchase. I can then sell my Pixel 8 Pro I currently have on Swappa for at least $400. After all that I would make a PROFIT of ~$80 on the purchase. Beats outright buying it on the Google Store even with my 10% Google One savings, student discount and elevated trade in offer
- Decided to go for a straight trade in on Google – missing out on $85 value so paying $33 OOP but less hoops
- New Capital One Quicksilver design
- DashPass x HBO Max
- $150 targeted Apple Card SUB
- Citi AAdvantage increased SUB
- My Ally referral
- $100 for you, $50 for me,
- Set up (within your new account) and start a qualifying monthly automated recurring transfer within 30 days of account opening.
- Complete at least 3 back-to-back monthly automated recurring transfers.
- Your $100 welcome bonus will be deposited within 30 days of receiving your 3rd recurring transfer.
- Targeted RH Gold bonus
- Max addon for HBO going from $15.99 -> $16.99
- I decided to stop paying for HBO now that HotD is over 🏴☠️
- Signed up for Disney+ for $2/m w/ Hulu (black friday deal)
- New Fidelity CMA card design
- Still the travel GOAT
- Also removed FTFs
- Official post on Reddit
- Everyone will be mailed new cards
- Still using Albert
- They account to be empty to turn off Genius. I use debit load into FutureCard to drain
- App wants to deactivate the account to cancel genius, but support can still cancel genius and leave account active (albeit unusable)
- Start free trial, restart DD, profit!
- Clear free $75 Uber GC w/ Sign Up (free w/ Amex Plat)
- Uber gift card reasoning – Uber eats targeted offers
- I received a targeted offer of spend $25 and receive 50% off (up to $20 max savings) for postmates (owned by Uber). Targeted offer is valid for two uses
- Currently have Uber One for free for a few months (targeted promo)
- Purchased Chirachi, salmon lover and miso soup for $41.35 ($2 upcharge compared to in store), $2.39 in fees, $1.49 tip, $2.89 tax, no delivery fee, -$20 50% discount = $28 delivered
- Would have cost $40 at the store
- $28 only cost me $21 because I purchased the gift cards at 20% off at Costco +4.5% back with BofA CCR
- Total savings of $19 or 47.5% off
- Costco Uber GCs still available @ 20% off
- Citi Strata Select Trademarked
- Pepper
- [Lightning Deal/Expired] Pepper Deals
- I was unable to log in 😦 but it worked after some password resets
- Log in issues sometimes are just the tip of the iceberg where under the surface are larger issues…
- Purchased $500 Airbnb GC
- ME&B Linked Pepper article on GC Galore
- App issues – I experienced this exact issue. The app told me my password was not secure, I changed it to their requirements (which I already met) and was told the same thing after reset. Rinse, repeat
- App Doesn’t Track What You’re Owed:
- “Perhaps the biggest frustration I – and many readers – have had is that whenever Pepper Rewards offers boosted rates, they give zero indication as to how many points you’ll eventually be earning, nor do they give you any kind of way of tracking how many points you’re still due for past purchases.
- [Lightning Deal/Expired] Pepper Deals
- For example, one of the offers at the time of publishing this post is earning 10x on Airbnb gift cards. As explained earlier, that equates to 10% back. However, only some of those points are awarded now, with the balance of the points being awarded in a few weeks. With purchases earning 20 points per dollar per percentage earning rate, that would mean that a $100 gift card purchase should earn 20,000 points. However, the app instead states you’ll earn 8,000 points.”
- I echo this. I fall into the described latter bucket of the described outcomes “You therefore either need to keep meticulous records of what you’re owed and verify that they’ve been credited, or hope and trust that Pepper Rewards won’t balls it up when calculating how many bonus points you should be credited with.”
- All in all: don’t float more pending rewards than you can afford to not receive. Waiting for bonuses are always a risk, especially from a janky service like Pepper. Chargebacks should work if you don’t get your Peppa points – er – Pepper points
- Comparison to Hardbody Fitness Club LLC
- I remember reading about this a while ago – something about charging money to some company on a CC then getting the funds back and earning CC rewards. It’s taboo apparently 🤷🏽♂️
- [Lightning Dea/Expired] 20x Google Play GCs at Pepper
- Bought $150, Google One renews this month
- Barclay Frontier card adds luggage benefit
- Bilt loses Hawaiian, says it’ll be back once Alaska acquires
- Amex Salt Lake Lounge announced
- More Evolve/Synapse Coverage
- Juno/Synapse Coverage Episode Poll
- PrizePool (Evolve partner) shutdown/acquisition
- Step secured card $200 bonus
- This will show as a new line on your reports, taking up 5/24 slot
- Issued by Evolve
- Terms require $20 spend on card (not very clear)
- Ordered $50 Black metal card (thanks Patreon!)
- Amex Error for Aspire Categories
- IRS Interest Rates to Remain the Same
- ME&B Thought Experiment on “who’s paying?”
- Targeted Cash App bonus
- Amex Checks for Biz Plat
- Curve reported as closed to Equifax 8/25/24
- Robinhood Gold card ineligible states
- Verizon Visa available to Fios only customers
- Voyager check!
- 7/1 froze: $5,381.45
- 5338.13 USDC
- .002149 BTC
- 4/10/24 $1,922.28 paid out
- 7/31/24 $1844.76 paid out
- 70% paid, 30% or $1614.41 missing, potentially one more payment coming
- 7/1 froze: $5,381.45
- CapOne lounge non cardmember fee increase
- PayPal 5% debit card (ht Kleed)
- DoC
- Requires monthly activation
- Be sure to update app
- Better than Citi Custom Cash
- Best little known 5% cards
- Venture SUB ending 9/9
- Bilt may receive L3 data
- BofA employees get platinum for free
- DoC coverage of 2.5% HI card
- Delta 12Status
- Alliant triple dip (expired)
- Cute tiny CCs
- Lili business bonus
- Rocket Mortgage CC changes
- FutureCard changing issuing bank
- Read terms, nothing of note that I saw
- NY State Amazon GCs
- Booked flight to Cali
- BOS -> LAX
- Booked on BofA portal for 20% off w/points
- SFO -> BOS
- Booked on AA w/ GCs from travel credit
- National rental car
- Executive status upgrade
- Amex Plat $200 hotel credit for Hotel Collection hotel
- Half off, booked on Amex portal 5x back
- BOS -> LAX
- Citi $400 Bonus
- HT CashbackCowgirl for calculator
- New USB Card
- Chase My Bonus refresh
- Nothing for me
- Atlantic Federal Credit Union (geolocated NJ) no longer offering Kasasa accounts
- Checking offered 5% cash back on debit up to $200 spend/m w/ DD, eStatements and 12 transactions
- Mailer states how to avoid service fee, not what fee is
- Had great opinion on bank
- Automatically changing savings to Kickstart Savings
- There is a $100 minimum daily balance requirement to avoid a $10 monthly maintenance fee. Excessive transactions may result in fees.
- Previously no minimum
- Comparable rate, no requirements
- Automatically changing checking to Ultra
- There is a $1,000 minimum daily balance requirement or a direct deposit of $750 or more to avoid a $15 monthly maintenance fee.
- Previously no minimum
- There is Smart Checking account with no minimums. Why would they choose the Ultra to AUTO convert with 1 month notice? Unacceptable
- Discover Savings SUB back
- DoT Investigates Airline Loyalties
- SoFi 0% ending next month
- Be sure to subtract 0% balances from free cash flow!
- Join Save maturity
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