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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Listennotes

Fountain

Housekeeping (00:35)

• If you want, support me on patreon! (00:37)
• Sweaty Heavy Lemon
  • Heavy Lemon concert
  • Intro music can be found here!
  • New song 6:05 slaps

• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Daniel, new members ricky and Rob to the kleed tier! Welcome bnschasing, TC & Laura! (00:54)
• Shownotes will now have timestamps! May lag behind a bit but they will come (HT Sasha on Discord for the rec) (01:26)

Credit Cards (02:48)

• Chase Freedom / Flex Q3 2025 categories:(02:50)
  • Gas Stations (03:05)
  • EV Charging (03:06)
  • Select Live Entertainment (03:08)
  • Instacart (03:09)
  • Chase tracker (03:19)
  • DoC (03:56)

• Chase/CSP/R (05:12)
  • CSR images (05:33)
  • Chase Sapphire Reserve $795 Annual Fee Change & Existing Cardholders Details – Doctor Of Credit (06:12)
  • Confirmed: Chase Sapphire Reserve $300 Travel Credit Remains Intact (08:09)
  • Explore all the benefits of Sapphire Reserve (08:40)
  • 1.25c redemptions via portal for CSP and ink preferred ending (09:03)
  • (Update) Chase Sapphire Reserve ‘Points Boost’: Removes 1.5% Travel Redemption, Adds Boost Feature For 2% On Select Travel – Doctor Of Credit (09:19)
  • [Rumor] Massive Signup Bonus Coming For Chase Sapphire Reserve Card On June 23rd – Doctor Of Credit (12:54)
  • Chase Will Do Away With 48-Month Signup Eligibility In Favor Of Proprietary Eligibility Determination (‘Chase Pop Up Jail’) – Doctor Of Credit(14:17)
    • Chase Approving Accounts Despite Users Declining Due To Pop Up (Issue To Be Resolved) – Doctor Of Credit (15:18)
  • Chase Will Allow Customers To Get Both Sapphire Preferred and Sapphire Reserve Cards – Doctor Of Credit (15:42)
  • Brand New Chase Sapphire Reserve for Business Card – Doctor Of Credit (16:01)
  • Should You Upgrade To Chase Sapphire Reserve Before June 23rd? – Doctor Of Credit (16:13)
  • A Few Chase Signup Bonus Updates Coming Soon (Sapphire Preferred, Freedom Unlimited, United Explorer) – Doctor Of Credit(17:17)
    • Reddit (18:08)
  • Chase Bonuses: 200k Chase Sapphire Reserve Business, 100k + $500 Chase Sapphire Reserve Personal – Doctor Of Credit
  • Sapphire Reserve Personal/Business DPs : r/churning (18:50)
  • CSR Apple Credit Math (19:22)
  • (Update) Special Offer For Recent Approvals: Chase Sapphire Preferred & INK Cardholders Get $50 Chase Travel Credit – Doctor Of Credit 
  • New Chase Sapphire Reserve Applicants Are Seeing Info For Old Signup Bonus, Benefits, and Annual Fee – Doctor Of Credit (20:44)
  • CSP Biz Is a Pay in Full card (21:07)
  • Chase Freedom Flex No Longer Accepting Applications (22:43)
• Walmart (23:17)
  • New Walmart/Sam’s Club Cards : r/CreditCards (23:17)
  • [Rumor] Details Of New Walmart Credit Cards (23:17)
• Capital One (25:34)
  • First Look Inside The New Capital One Lounge JFK(25:36)
    • Capital One Opens JFK Lounge (Terminal 4) – Doctor Of Credit (25:36)
  • Capital One  Cards Now Have In-Store Offers – Doctor Of Credit (27:03)
• Apps (27:40)
  • Still have not received JCrew card in the mail (27:44)
    • Opened 6/11/2025 (29:09)
    • Temp card number has expired (29:17)
    • Should be here by 7/1 (29:33)
  • Amex Hilton Honors Business App (first business app) (29:40)
    • No popup, went pending (29:46)
    • Asked for docs (29:51)
      • Submitted Wealthfront statements as that is where my business + personal income comes (30:00)
      • Was told they do not accept statements from FIs (30:03)
      • Uploaded Ally (personal), Weathfront Green Dot statements & Gensisys statements (31:15)
      • Denied due to balance/payment history and insufficient docs. Sent to recon (31:30)
      • Recon immediately approved (32:16)
    • Approved 6/16/2025, no card by 28th, expediting (32:26)
• All the Google Sheets from last episode (requested by Chris from All the Hacks) (33:23)
  • US Airline CCs (33:38)
  • Entertainment CC matrix (33:51)
  • CC Benefits Guide (34:34)
  • Hilton Credit Data Points (35:00) 
• Amex (36:32)
  • [Rumor] American Express To Launch New Premium Delta Card (Above Delta Reserve) – Doctor Of Credit (36:32)
  • American Express Business Platinum Will No Longer Earn 35% Rebate On All First & Business Class Bookings – Doctor Of Credit (37:02)
  • [Rumor] American Express Platinum Annual Fee Increasing From $695 To $895 – Doctor Of Credit (37:48)
  • American Express To Discontinue ‘Clear From American Express’ Credit Card – Doctor Of Credit (38:24)
  • American Express Platinum ‘Up To 175,000 Points’ Signup Bonus – Doctor Of Credit(38:47)
    • My referral (39:18)
    • Platinum Tracker updated on Patreon (39:20)
  • American Express Delta Cards: 6-12 Months Of Uber One For Free – Doctor Of Credit (39:48)
• Ramp Business Credit Card $1,000 Signup Bonus With $1,000 Spend (Requires $25,000 Business Bank Balance) – Doctor Of Credit (40:30)
• Citizens checking & savings bonus posted (42:15)
  • Reddit DP (42:15)
• US Bank (44:11)
  • U.S. Bank Sends Out Survey Regarding New Card/Changes To Altitude Reserve – Doctor Of Credit (44:11)
• Other Cards (45:40)
  • Amtrak SUB is back at 40,000 points for 2k spend in 3 months for the $99 AF (18:08)
  • Crypto.com Visa Signature Credit Card: Up To $5,000 Signup Bonus & 6.5% Cashback On All Purchases (Requires Large Crypto Stake) – Doctor Of Credit (45:40)
  • Alliant Credit Union Removes 2.5% Credit Card – Doctor Of Credit (47:58)
• BofA (49:19)
  • [Targeted] Bank of America Cards: Extra 2x Rewards On All Spend (8/1-9/30) – Doctor Of Credit (49:19)
• r/churning on Reddit: Introducing Rove Miles – Earn Up to 25x on Hotels + 10k First Booking Bonus + Miles at Over 7k Stores (49:52)
• Citi (51:10)
  • Shop Your Way Mastercard ID Check (51:20)
    • (51:36)
    • Citi is clueless and useless (52:16)

Bank Bonuses (53:16)

• Topcashback: Valley Direct High Yield Savings Account $150 Bonus – Doctor Of Credit (53:18)
• Alliant Credit Union $100 Ultimate Opportunity Savings Account, No Direct Deposit Required (Plus $150) (54:15)
• OnePay (Formerly ONE Finance): Get 3.75% APY and $300 – Doctor Of Credit (54:54)

Trip to Oregon (56:45)

• BOS -> PDX (56:48)
  • Stephanie’s Priority Pass 1 guest (57:04)
• PDX -> RDM (Redmond) (57:40)
  • Portland airport is gorgeous (57:50)
  • Rental car, got minivan from Executive lot (58:02)
• RDM -> PDX (58:27)
  • Rental car (58:30)
• PDX -> BOS (58:58)
  • PDX has great Priority Pass options, went to Capers Bistro (Capers Market in PP) 2 guests (I think I can put as many as I want..) (59:05)
  • Also has whiskey tasing and another restaurant (59:35)
  • Had movie theatre in airport with local films (59:44)
• Did You Know? Priority Passes Can Be Used Once Every Two Hours (Useful For Restaurant Options) – Doctor Of Credit(1:00:20)
  • 2 hour refresh for PP (1:00:40)

Amazon (1:01:03)

• Amazon Prime Day 2025 (Runs Four Days, July 8-11) – Doctor Of Credit (1:01:04)
• Chase Amazon Prime Visa $200 Signup Bonus With No Spend Required – Doctor Of Credit(1:03:02)
  • My referral (1:03:06)
• Amazon: Get 40% Off When Using 1 Membership Rewards Point (Up To $60 In Discounts) – Doctor Of Credit
• Amazon Adds GrubHub+ As Permanent Benefit ($10 off $20 with Code PRIME10) – Doctor Of Credit
• Audible Premium Plus 3 Months Free Membership ($45 Value) – Doctor Of Credit
• Amazon Kindle Unlimited: 3 Free Months ($36 Value) – Doctor Of Credit (1:02:12)
• Amazon Prime: Get $15 Off $30 Amazon Credit when you Backup your Photos with Amazon Photos – Doctor Of Credit (1:01:17)
• Amazon: $30 Credit When You Spend On $100+ On Select Pet Products (1:01:38)
• Amazon: Get 30% Off Using 1 Discover Point (Max $30 Discount) – Doctor Of Credit (1:02:50)
• (July 3-6) Amazon Prime: Save $1 Per Gallon On Gas, Up To 35 Gallons – Doctor Of Credit (1:01:33)

Deals (1:04:02)

• Costco.com: $100 inKind Giftcard For $69.99 – Doctor Of Credit (1:04:02)
• Apple Back-To-School Event For Students, Educators, Parents – Doctor Of Credit (1:05:30)
• [Lightning Deal] Costco: $100 Uber eGiftcards For $75 – Doctor Of Credit (1:06:06)
• DoorDash ‘Summer of DashPass’ With 5 Weeks Of Deals (June 26-July 30, 2025) – Doctor Of Credit(1:06:41)
  • [Lightning Deal/Expired] [Expired] DoorDash (DashPass): 50% Off Groceries With Code DPGROC50 (6/27 Only) – Doctor Of Credit(1:07:07)
    • (1:07:31)
• Kraken (Crypto): Make First Trade Of $100 & Receive $85.5 – Doctor Of Credit (1:08:44)
• Robinhood 1-2% Crypto Transfer Match – Doctor Of Credit(1:09:04)
  • RH is scum (1:09:30)

Other (1:09:47)

• Looking into Hilton places and saw this (1:09:49)
  • Hyatt cancels previously booked Hilton award reservations at some recently acquired Playa resorts(1:10:04)
    • Would have booked this if it was still in brand! (1:10:04)