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! (00:25)
• Sweaty Heavy Lemon (01:10)
  • Heavy Lemon concert
  • Intro music can be found here!
  • New song 6:05 slaps

• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Daniel, ricky, Rob, John, Desi & Stan in the kleed tier! Welcome Philly & lebron! (00:32)
• Posted in /r/churning (01:24)

Cards (03:28)

• [New Boosts] Cash App (Square Cash Debit Card): Cash Boost – Get Cash Back On Categories/Specific Merchants – Doctor Of Credit(03:28)
  • My card is suspended (04:19)
  • HT PackerFan, Target does not work on GCs, must check out with Cash App and it does not show when buying GCs (03:45)
• T-Mobile Launches Credit Card With 2% Cashback, No FTF, 5% at T-Mobile, $5 (04:45)
• Bank of America (05:31)
  • [Expired] Extra rewards day (05:31)
  • Need to trigger lifestyle credit (06:30)
    • DoC article on DPs (06:56)
    • Comment on reddit with more info (from me) (07:30)
  • Upgrading FICO to credit report in 2026 (08:58)
    • They will stop sending notices about FICO score for months during change LOL (09:16)
• Bilt (10:29)
  • [Update] Rakuten Cashback Can Now Be Earned As Bilt Points (Also, Limited-Time 1:1 Conversion)
  • Bilt 2.0 Clarity (10:29)
• Aven Credit Card – Earn 6% Back On All Groceries or Gas (Up To $10,000 In Spend)(11:41)
  • Applied, not available in MA (11:50)
  • Link to apply in comments (12:03)
• Samsung Wants to Launch a U.S. Credit Card and Challenge Apple in Consumer Finance : r/CreditCards(12:09)
  • DoC (12:17)
• Chase (12:46)
  • [Expired] [Now Live] Chase Amazon Prime Visa $250 Signup Bonus With No Spend Required – Doctor Of Credit (12:46)
  • Chase To Launch Targeted 200,000 Point Offer On Chase Sapphire Reserve (14:23)
  • Redeem Chase Ultimate Rewards For Apple Products with up to 50% Bonus Value – Doctor Of Credit (14:50)
  • Ink (15:16)
    • Ink terms changed for the worse (15:16)
    • (Public) Chase INK Business Preferred 100,000 – Doctor Of Credit (15:36)
    • Chase INK Business Cards Now Giving ‘Popup’ Signup Bonus Eligibility Message (Lifetime Limit) – Doctor Of Credit (15:26)
  • CSR (16:03)
    • [YMMV] Chase Sapphire Reserve Up To 175,000 Point Offer (16:03)
    • Maximizing The StubHub $300 Credit On Chase Sapphire Reserve Card (16:36)
• Venmo (16:58)
  • Venmo Adds Rewards Program ‘Venmo Stash’ (16:58)
  • [Expired] [Targeted] Venmo: Earn An Additional 5% Back (Up To 8% Back) – Doctor Of Credit (18:00)
• Porsche Credit Card Release : r/CreditCards (18:39)
• Capital One (20:05)
  • [Lightning Deal] Venture X SUB at 100k (20:05)
    • Must spent $10k in 6m. Keep in mind the new churning rules for Venture family of cards (see here). DoC post on it here (20:05)
    • My referral is here which is also showing 100k (20:34)
  • (Report) Discover 5% Cards Migrating To Capital One Login In January 2026 – Doctor Of Credit(20:56)
    • People claiming discover card images will go away – they can just be supported in the Capital One app after merge (21:08)
    • Concerned about Discover Cash Back Debit (discussed ep 53) (21:43)
  • Discover it categories(22:05)
    • Source is Patreon exclusive (22:47)
• Amex (22:57)
  • American Express Requesting 4506-C Forms For Financial Reviews (22:57)
  • E*Trade Customers Are Now Eligible For American Express Platinum From Morgan Stanley – Doctor Of Credit (23:22)
  • Used $300 hotel credit & Oura ring credit
    • Updated Amex plat tracker (Patreon exclusive)
• Coinbase card referral
  • My referral
• (Update) FutureCard Climate-Friendly Visa Debit Card Offers 5% Back On Select Public Transport, EV Charging & More – Doctor Of Credit (24:25)
• Upromise Mastercard $300 Signup Bonus – Doctor Of Credit(25:21)
  • 28 Things You Should Know About Barclaycard Credit Cards (26:39)
  • Your application is being reviewed. We appreciate your interest in the Upromise® World Mastercard®. Unfortunately, we are not able to provide you with an immediate decision on the application you just submitted. Your application requires further review, which may take up to 10 days. We will notify you in writing in no more than 30 days (and often sooner) about the status of your application. 
  • Approved after a week (25:33)
• SYW open for applications again (26:45)
  • [YMMV] First Bank Shop Your Way Rewards: 500,000 Point Offer (Worth $500) – Doctor Of Credit (26:45)
  • Closed again
• Crypto Platform Gemini Launches Business Credit Card With $500 Bonus (27:24)
• Mastercard: Transit Benefit, $2.50 Off $10+ In Select Cities Each Month – Doctor Of Credit(28:04)
  • Extended till 2027 (28:20)
• FNBO MGM Rewards Iconic World Elite Mastercard 45,000 Bonus – Doctor Of Credit (28:35)
• Mesa Adds Omni Hotels As Transfer Partner (30,000 Points For Free Night) (29:35)
• Amazon Prime Store Card To Lose Special Financing Option As Of February 16, 2026 – Doctor Of Credit(30:35)
  • /r/churning discussion
• RFCU Nerfing Rewards(31:24)
  • DoC (31:40)

Deals (34:44)

• [Lightning Deal/Expired] Mint Mobile: 128GB Pixel 10 Pro Smartphone + 1-Yr Unlimited Plan For $479 (35:05)
• [Lightning Deal/Expired][Expired] Staples: 100% Back In Points On Scotch Brand (Up To $40) (36:14)
• [Lightning Deal/Expired] Bose Quite Comforts for $130 (36:38)
• CVS (37:18)
  • CVS: Get $15 ExtraBucks When You Spend $75 On Select Gift Cards (Zillions, Chipotle, DoorDash & More) (37:31)
  • [In Store Only] CVS: 50% Off ExtraCare Membership ($24)(37:59)
    • Discussed in ep 60 (38:40)
• Gemini Deal retracted (39:18)
  • Sent email saying they would honor. Got email saying I received $15 BTC but after calculations it was actually $20 (39:32)
• HBO Max: $2.99 Per Month For 12 Months (40:13)
• Disney+, Hulu Bundle With Ads For $4.99 Per Month For 12 Months (No Ads For $14.99)(40:35)
  • Works for Amex Blue Cash cards (41:01)
  • Can’t get HBO with Amex Plat but can get HBO through Hulu with this deal. Was going to try doing Hulu/Disney on BCE & HBO on Plat but HBO doesn’t work for entertainment credit (41:49)
  • If you are getting errors when trying to log in to HBO via your Hulu account, try this link https://secure.hulu.com/commerce/activate/wbd_max
• [Lightning Deal/Expired] Black Friday Gift Card Deals (42:31)

Tradier Transfer Bonus (42:59)

• DPs on cost basis
• Never asked me for docs but told me they closed my application because I did not send docs… (43:12)

Bonuses (43:44)

• Massive WeBull Referrer Bonus – up to $5,000 – Doctor Of Credit(43:44)
  • My referral (44:04)
• Navy Federal Credit Union $200 New Member Bonus(44:30)
  • Ep 56 and 55 for previous discussion (44:30)
• SalemFive $500 bonus paid out (45:22)
  • DoC
  • Reddit 
• WF Business $825 posted (46:33)
  • DoC
  • Reddit 
• Magnifi bonus posted (47:25)
  • Reddit
  • DoC
• [Expired] Current $175 Referral Checking Bonus + Portal – Doctor Of Credit(48:35)
  • My referral (48:43)
  • Showing lower now apparently
• Topcashback: Valley Direct High Yield Savings Account $150 Bonus (& $100 Checking Bonus – Doctor Of Credit (49:03)
• Incogni 80% back on subscription (49:58)
  • Coupon code BIGMONEY if not on TopCashBack (50:37)

Class Actions (51:03)

• Facebook Internet Tracking Settlement payment of $4.01 (51:03)
• Patreon payout of $44.32 (51:16)
• YouTube TV Subscribers Can Claim $20 Credit Toward Next Bill (Due To Disney Removal) (51:25)
• Mailer for https://fcfcusettlement.com/(51:43)
  • Submitted receipts for Incogni and Cloaked purchases (52:27)
  • Episode 64 (51:55)

Other (52:49)

• (Repost) Which Banks Adjust Auto-Pay to the Amount Owed? – Doctor Of Credit (52:49)
• List of Debit Cards & Bank Accounts With Cell Phone Protection Benefits – Doctor Of Credit (53:12)
• [Confirmed] Hilton To Launch New Highest Loyalty Tier ‘Diamond Reserve’(53:22)
  • New Hilton status
    • DoC
    • Reddit thread
• Not Using Your Instacart Credits? Donate Them To Food Pantries Instead(55:09)
  • /r/churning discussion
• Amazon: Send Your Driver $5 For Free (Alexa, Thank my driver) – Doctor Of Credit (55:29)
• Visa & Mastercard Reach Settlement With Merchants To Lower Fees, Not Accept All Card Types (56:03)
• Wealthfront lowered referral benefit from 1% to .75% (58:00)
  • My referral 
• Regulation requiring reimbursement for flight delays under Biden revoked (58:20)
  • Discussed in ep 38 
  • Original DoC article (58:26)
• JPMorgan Signs Deal With Fintechs Set To Pay For API Calls (59:57)
• Reddit discussion: WSJ: Capital One Debit-Card Users Aren’t All Happy After the Switch to Discover (1:00:53)
• PayPal account locked (1:02:12)
  • Send docs in including business license, unlocked (1:02:37)
• Cloaked charge on RFCU for Monzo (1:03:12)
  • Issued charge back (1:03:39)
  • Contacted Cloaked, still investigating (1:03:49)
  • Refund hit account, not sure if it is from Cloaked or RFCU dispute (1:04:10)
• Arizona trip (1:04:52)
  • Hilton free night credit only works on standard rooms (1:04:57)
• Portugal Trip (1:06:00)
  • Airbnbs (1:06:00)
  • Direct flight on Delta (1:06:24)
    • I think airplane food on the way back gave me horrible food poisoning (1:06:24)
  • National rental car (1:07:04)
    • Somehow did not choose Automatic car, had to upgrade but got great car (1:07:15)
  • LIS airport sucks (1:07:32)
  • Stephanies & Chase Sapphire lounge per usual (1:08:31)
    • Updated lounge tracker (Patreon exclusive) (1:09:08)