Episode 59: Big Banks and Is Robinhood Washed?

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~~ Heavy Lemon
- Heavy Lemon concert
- Intro music can be found here!
Kung Fewer, Kleed, Dion, Erica, & Shuhui kleed tier! Welcome Melody!

Raise Volume
Kraken referrals
Episode 53: A Redaction – Personal Finance
- References to sensitive topics
- References to private sources
- Podcast reviews
Chase
Citi
Future
- Neighborhood Sun
- Future debit card deals
- Referral
New Cards
Robinhood
- Robinhood has only allowed 100k gold card members out of 3.2M gold members, adding an additional 100k soon
  - Reddit
  - Next 100K wave of Robinhood gold card invites already rolled out. Anyone get invited? : r/CreditCards
- Account shut down
  - I think it is because I went through the flow for the new Strategy product
  - ACATs transfer funds out
    - Initiated from Webull, easy and sweeps were automatic
  - Sending to Merrill for $100 bonus and fees waived
    - Merrill never opened my IRA and didn’t call me when they said they would
  - Crypto going to Coinbase
  - We’ll see if/how they claw back IRA transfer and funding bonus
  - With my RH account being closed, I was going to move my IRA to Merrill for a $100 bonus. Just got a notification for Webull Premium. 3% IRA transfer boost, 3.5% match, $100 fee reimbursement (I think), $40 annual fee. Seems better than RH…
Moving to Webull
- Webull Premium
  - $40/y
  - 3.5% IRA contribution match
  - 3% IRA transfer bonus
    - Terms for both the same
    - Can’t find link to terms only available in app
    - Until 4/28/25
    - Must keep Premium for 12m
    - Paid out immediately
      - Easy to see in app
    - Must keep funds in Webull for 5y
      - If early withdraw, seems to be prorated by the amount removed so you do not lose whole match
    - $75 transfer fee reimbursement (RH charged $100)
- Webull lite mode
- Desktop has no features
Capital One
- [Lightning Deal] Coffee
- Capital One CreditWise updating scoring model : r/CreditCards
- Is T-Mobile About To Launch Their Own Credit Card? (HT Kleed)
- Capital One Landing
  - Ok food, kinda dingy place, DCA, nice but would rather have a lounge. Oats were fire tho
Amex
- Amex Plat AF due
  - Booked and cancelled flight to use last of MRs
    - Checking should keep MRs but wanted 1cpp
  - Credits
    - Sachs
    - Clear
    - Streaming
    - $200 hotel
  - Cancel within 1 statement of AF
- American Express Business Platinum Dell Credit Going Down From $400 To $150 (and more)
- Amex Hilton Surpass
  - Amex Hilton Aspire amex trick worked, bonus email received
  - List of Restaurants that Trigger Quarterly Property Amex Credits : r/Hilton
US Bank
Bonuses
- Live Oak Bank $300 Savings Bonus – Doctor Of Credit
  - Beginning on the date in April or May 2025 that the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $300 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period.
  - No debit or credit funding. Wealthfront not supported
- WisdomTree Prime (Crypto): $100 Bonus (Deposit $1,000+) – Doctor Of Credit
- [Expired] Rockwallet (Cryptocurrency): Earn Up To $250 In LTC – Doctor Of Credit
- CVS $15 off $50 select GCs
  - DoorDash included. Stack with CC offers
- Cardless Avianca Cards – Increased 100,000 Mile Bonus – Doctor Of Credit
- USAA $200 Savings Bonus – Doctor Of Credit
  - Not worth IMO
Discussions
- How Do You Keep Track Of All Your Credit Cards & Bank Accounts?
  - Mine is on the Patreon
- Best Priority Pass Credit Cards? : r/CreditCards
- Report: Visa is offering Apple roughly $100 million to be the exclusive payment network of the Apple Card
- [Expired/Lightning Deal] Coinbase $5 Wizards
- (Update) Pepper Rewards App: Buy Top Gift Card Brands & Get Cashback ($20 Signup Bonus) – Doctor Of Credit
- Facebook Internet Tracking Settlement Administrator has sent you $40.67 USD
  - ($40.67 Payment Sent) Facebook $90M Class Action Lawsuit (2010-2011 Timeframe) – Doctor Of Credit
- Visa Infinite eSim Abroad Benefit
- AA just announced free wifi for AAdvantage members starting in January ’26
  - Implications on Citi AA cards since they get this benefit
- PayPal debit doesn’t have health 5% anymore
- BILT: Earn 1x Bilt Point When Paying Rent Using A Credit Card (3% Fee) – Doctor Of Credit
- CC Late Fee Legislation Scrapped by Judge
- [Targeted] Bank of America $1,000 Savings Bonus – Doctor Of Credit

Episode 59: Big Banks and Is Robinhood Washed?

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