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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Fountain

Housekeeping (00:00) 

• If you want, support me on patreon! (00:38)
• 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, ricky & Rob to the kleed tier! Welcome BlueBird & Feng! (00:45)
• Shownotes will now have timestamps! May lag behind a bit but they will come (HT Sasha on Discord for the rec) (01:03)
• Correction: Venmo CC DOES count Costco as Groceries sry for bad rumor (01:34)

Deals (03:13)

• Astound TCB $101 (03:15)
  • Bought internet, got $101 from TCB for clicking through (03:32)
• Future (04:03)
  • [Lightning Deal] Future $10+$3+$5 (06:13)
  • [Lightning Deal] Future $15 off $15 Groceries (06:43)
    • HT deano (06:45)
  • Referral (07:14)
  • Crazy offers, $5/m off phone bill till 11/30 (HT Ray) (06:49)
• InKind (07:25)
  • Not Working at restaurant, left without paying, charged me later (08:25)
  • My Referral $25 off $50 (08:06)
  • New reward (09:19)
  • How it works (HT Kai @ TheDailyChurn) (09:39)
• Webull $200 credit posting over 12m (10:29)
  • DoC 
• Bought Pixel 10 Pro (11:49)
  • (12:51)
  • $271 in spend on Amex Biz Hilton (14:09)
  • 10% id.me student discount (12:23)
  • Ep 48 for last year’s (12:03)
• Discover 40% off Amazon(15:31)
  • I also have a $10 offer which is triggering instead…annoying (15:56)

Cards (16:19)

• New (16:19)
  • BMO Launches Escape Credit Card – $150 Annual Fee, 45,000 Point Bonus & More (16:26)
  • Walmart Launches OnePay CashRewards Card – Doctor Of Credit (17:52)
• NFCU (19:24)
  • Flagship free Amazon (19:40)
  • Ep 56 and 55 for previous discussion (19:32)
  • 
  • (20:05)
• Amex (20:56)
  • New Marriott Business cards in survey (20:59)
  • PSA: Starting in 2026, with the UFC moving to Paramount+, AMEX Platinum holders will now get UFC’s 13 marquee events and 30 Fight Nights for included (no more Pay-Per-Views) (21:55)
  • Platinum hotel credit coming(22:55)
    • Higher AF, mirror finish (24:06)
    • Advice (24:36)
    • Use Existing AmEx Platinum Fine Hotels & Resorts $200 Credit Before 9/18 (24:57)
    • Credit rumor (25:17)
    • More rumors (25:17)
  • American Express Adds Signup Bonus Tracker – Doctor Of Credit (25:44)
  • American Express Adds 400 Hotels Across Fine Hotels & Resorts/The Hotel Collection – Doctor Of Credit (26:55)
• Capital One (27:07)
  • Elevated SUBs for VentureOne, Savor, Quicksilver (27:07)
  • Elevated Venture offer (27:55)
  • Buy three get fourth free on Venture/X (hotel collection) (28:18)
  • Relaunch SavorOne (poor credit offering) (30:43)
• USBank Elan Card Equation (31:28)
• Chase (32:21)
  • Chase lowers collision benefit on some cards (32:21)
  • Chase Restricting Product Changes Between Visa & Mastercard Products – Doctor Of Credit (33:21)
  • Chase Sapphire Reserve bonus just jumped to 125,000 points! : r/CreditCards
  • Numbers on back for Freedom cards (33:50)
• Citi (34:07)
  • Shop Your Way APR offer (34:09)
  • Shop Your Way Spend Offer(34:31)
    • My first one! (34:20)
  • Shop Your Way Travel offer (34:50)
    • 5% back on travel and entertainment, $120 max earn/m until EOY (34:54)
• US Bank (35:14)
  • Altitude Connect Gigsky offer ending (35:16)
    • HT Ray (35:21)
  • Smartly savings rate deduction (35:40)
• BofA (36:16)
  • AA Card Rumor (36:20)
  • Alaska/Hawaii Rumor (37:40)
  • New card designs
  • New Alaska cards link
    • DoC
    • Bank of America Alaska Visa Signature Cards Transitioned To Atmos Rewards Ascent Card – Doctor Of Credit
    • Bank of America Atmos Rewards Ascent Visa Card (Replacement For $95 Annual Fee Card?) – Doctor Of Credit (37:24)
    • Alaska Atmos Fast Track To Elite Status Promo – Doctor Of Credit
      • Applied for the Atmos Summit with a 105k link they sent me. Account went pending. Had to do ID verification on the phone. They’ll get back to me in 24 hours. I’m concerned I have reached my credit limit BofA is willing to give me so we’ll see (38:51)
      • Approved! They pulled my credit but I was frozen. You can unfreeze TU or EX, I chose EX. They reallocated some CLs and I’m all set. Minimum on the card is $10k (39:30)
      • Expedited the wrong card. Had issues with reallocation because agent was confused lol (39:58)
    • BofA Atmos Referral (42:00)
    • BofA Relationship 10% Bonus for Atmos cards
• You can buy the RH Gold card with points (42:21)
• Barclay (43:06)
  • Barclays GM Business Card: 100,000 Point Bonus – Doctor Of Credit (43:09)
  • Barclays Hawaiian Airlines Card Now Earns 3x Points On Alaska Airlines Purchases – Doctor Of Credit (44:13)
  • [DEAD] Barclays Aviator Red World Elite MasterCard 70,000 Miles (No Minimum Spend Required) – Doctor Of Credit (44:33)
  • Barclays Hawaiian Business Card Up To 90,000 Points – Doctor Of Credit (44:57)
  • Barclays 80,000 Hawaiian Airlines Bonus ($99 Annual Fee) – Doctor Of Credit (45:45)
  • Pre-approval live again (46:07)
  • Mailer: Spend $500 get $50 GC Barclays Banana Republic card (46:27)
    • Used to get these all the time in 2021–2023, stopped doing/receiving (46:41)
• Deserve acquired by Intuit (48:02)
  • AMC card discontinued (HT Kleed) (47:54)
• Discover Q4: Amazon & Drugstores(48:35)
  • Updated tracker (source doc on Patreon) (48:40)

SUBs (50:35)

• US Bank Altitude Connect $300 SUB for $1k (50:47)
• Capital One Business SUB (requires active CC) (51:01)
• [PA, NJ only] First Commonwealth Federal Credit Union $300 Checking Bonus(51:45)
  • My DP (52:02)
• Business (52:49)
  • [DE, MD, NJ, PA] Firstrust Bank $450 Business Checking Bonus – Doctor Of Credit(52:49)
    • My DP for Personal (53:23)
• Brokerage (55:25)
  • Ally Invest $100 (55:25)
  • CIT Bonus (60d holding)(55:45)
    • CIT Bank practices (56:00)
  • Robinhood (56:31)
    • Robinhood Gold 2% IRA Transfer Bonus (Unlimited Cash Bonus) – Doctor Of Credit (56:58)
    • Robinhood Gold: Brokerage Transfer 2% Unlimited Bonus (5-Year Hold) – Doctor Of Credit (57:16)
    • The Curious Math Behind Robinhood’s 3% IRA Match and the Backdoor Roth – Doctor Of Credit(58:00)
      • Covered previously (ep 56) (57:56)
• Skyla (1:01:51)
  • Skyla Credit Union $100 Checking Bonus (paid out) (1:01:53)
    • $2k nationwide CC funding (including Amex) (1:01:55)
    • My DP (1:02:18)
  • Skyla Credit Union $1,550 Checking/Savings Bonus (Live 9/1/25) (1:02:36)
• Ocean First $500(1:03:45)
  • My DP
  • Chex sensitive, denial for me. Seems to not be Chex sensitive in person
• BofA (1:03:51)
  • Bank of America $100-$500 Checking Bonus – Doctor of Credit (1:03:51)
• Alliant Rakutan(1:05:06)
  • My DP (from EP 48) (1:05:15)
    • Alliant triple dip (expired) (1:05:20)
      • 
      • DoC
• Chase Business $750 (1:05:57)
• KeyBank $300/$500 (1:06:04)
• Wisdomtree SUB excluded states are no longer (1:07:17)
• Current Referral(1:07:36)
  • My referral (1:07:48)
• Discover Savings Account Bonus 2020: Get $150 Or $200 (1:08:03)

Class Actions (1:08:57)

• Capital One 360 Savings (1:08:57)

Other (1:09:25)

• American Airlines Cardholders: 50 Miles Per $1 Donated To Stand Up To Cancer – Doctor Of Credit (1:09:27)
• Cash App card suspended (1:10:00)
• Axos SD (1:10:11)
• Interesting read on interchange (1:09:36)