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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Housekeeping (00:35)

• Stop using filler words! (00:35)
• Podcast app aggregator (ht bleakchoochoo) (01:07)
• If you want, support me on patreon! (01:41)
• Sweaty Heavy Lemon (01:13)
  • New Heavy Lemon concert recording
  • Intro music can be found here!
• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Daniel, ricky, Rob, John, Desi, Stan & Duncan in the kleed tier! Welcome Lona to the Patreon (01:24)

Cards (02:14)

• BofA (02:14)
  • Atmos (02:14)
    • Atmos Inflight Offer (02:14)
  • Credit score/report feature live (04:04) 
  • Comparing Cards Benefits(05:37)
    • Using Visa road side assistance (old blog post) (05:58)
  • (Rumor) Bank of America To Unveil New Incentives For Cardholders With Higher Balances (07:19)
  • Preferred Rewards gutted (ht Kleed) (07:19)
    • Certain credit cards are eligible to receive a BofA Rewards™ bonus. Enrolled BofA Rewards members with eligible Bank of America® credit cards can receive a BofA Rewards bonus of 10% for the Member tier, 25% for the Preferred Plus tier, 50% for the Preferred Honors tier, or 75% for the Premier tier. If your card receives the 10% customer bonus, the BofA Rewards bonus will replace the 10% customer bonus
    • FAQ says personal only (15:24)
    • More info on current members (10:27)
      • Monthly breakdown
  • BofA PRE still good? (15:48)
    • HUGE portal hack (17:16)
• Visa To Allow Rewards To Be Deposited Into Trump Accounts (19:30)
• Business (20:48)
  • List of Regional Credit Unions With Business Credit Card Signup Bonuses – Doctor Of Credit (20:48)
• Chase (21:17)
  • Chase & Disney To Launch New ‘Disney Inspire’ Card(21:17)
    • Chase Launches New Disney Inspire Card – $149 Annual Fee, $600 Sign Up Bonus (21:17)
  • Chase Slate Card Returns With 21 Month 0% APR Offer(23:09)
    • Because of rate cuts? (23:25)
  • Chase Southwest Personal Cards Signup Bonus: 20k-40k Points + Companion Pass Through 2/28/27 (24:02)
  • (Update) Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred – Doctor Of Credit (25:12)
  • Bonvoy SUB (26:03)
  • Sapphire Reserve (26:49)
    • Chase Sapphire Reserve $359 Whoop Subscription – Doctor Of Credit (26:49)
    • Chase Sapphire Reserve: Save 50% On Function Health ($182.50 Savings) – Doctor Of Credit (27:49)
  • No more redemptions to non chase accounts (28:24)
    • Beginning ‌3/27/2‌6, you will no longer be able to redeem for a cash back deposit from your Chase Freedom®, Chase Sapphire®, or Chase Ink® credit card(s) to an account held by a financial institution other than Chase. You can continue to redeem for a cash back deposit to an eligible U.S. Chase account or redeem your rewards as an account statement credit. (28:29)
• Amex (29:11)
  • Increased American Express Delta Offers, Up To 125,000 Miles (Personal & Business Gold, Platinum, Reserve) – Doctor Of Credit (29:11)
  • New Centurion Lounge Access Rules Announced (Same Flight, 5 Hours Max On Layovers) (31:23)
  • Amex Earning Call Highlights (33:02)
  • [Targeted] American Express Plum Card $500 Bonus After $15,000 In Spend ($250 AF Not Waived) – Doctor Of Credit(35:18)
    • Not good (35:28)
  • Platinum (35:38)
    • American Express Platinum Card Increases Spend Requirement To $12,000 – Doctor Of Credit (35:38)
    • American Express Platinum & Centurion Cardholders Lufthansa Lounge Access Extended – Doctor Of Credit (36:22)
    • Uber One credit (Plat value tracker Patreon exclusive) (37:10)
    • American Express Platinum $200 Airline Incidental Reimbursement – No Longer Works On United Travel Bank (39:30)
  • American Express To Discontinue Global Pay – Doctor Of Credit(41:15)
    • Making Airline Incidental Credits Useful: 2026 Style (41:37)
  • Increased American Express Hilton Signup Offers Coming – Doctor Of Credit (42:15)
• Barclays (42:58)
  • Barclays American Airlines Cards To Become Citi Cards On 4/24/26 (42:58)
  • Barclays JetBlue Plus Card – 75,000 Point Bonus – Doctor Of Credit (43:51)
• US Bank (44:34)
  • U.S. Bank Triple Cash Rewards Business Card $750 Signup Bonus (No Annual Fee) – Doctor Of Credit (44:34)
  • Which AI service subscriptions code as MCC 5734? (US Bank Triple Cash Business $100 Software Credit) : r/CreditCards (44:55)
• Capital One/Discover (45:18)
  • Capital One & Mastercard Renegotiate Deal – Doctor Of Credit (45:18)
  • Discover Savings Accounts To Become Capital One Savings Accounts – Doctor Of Credit (46:18)
  • Capital One Landings Lounge New YorkLaGuardia Airport (LGA) To Open (47:01)
• Synchrony (47:48)
  • Synchrony Closing eBay Extras Mastercards On March 25, 2026 (47:48)
• Cardless (48:40)
  • BILT (48:40)
    • More Details On The Bilt–TPG 5x Signup Link + Issues with Bonus Attaching Properly – Doctor Of Credit (48:40)
    • (Update) Bilt 5x Points Welcome Promo Details – Doctor Of Credit (48:40)
    • Bilt Palladium Physical Card Details (49:09)
    • BILT Issues – Cards Not Working, Promotions Not Working & More (49:43)
  • Coinbase Rolling Out Stock Trading – Doctor Of Credit(51:33)
    • Will stocks count towards balance requirements for CC? Need a home after BofA (51:44)
    • CS says yes (HT TheHimalayas) (53:39)
  • Cardless Launches Avelo Airlines Credit Card – 25k Point Bonus & $99 Annual Fee (54:02)
• Debit (54:27)
  • Spirit Launching Free Spirit Debit Card With $6.99 Monthly Fee (Priority Boarding, Points Pooling) (54:27)
• USAA Adding $200 Auto Deductible Reimbursement To All Credit Cards (55:25)
• United Announces Changes That Benefit United Cardholders (55:57)
• Langley Federal Credit Union: 5%-10% Signature Cashback Visa Card ($100 Limit, Changes Monthly) (57:33)
• CC SUB of the month (58:32)
  • Citi / AAdvantage Platinum Select World Elite MasterCard – 80,000 Miles With $1,000 Spend – Doctor Of Credit (58:32)
  • List of Regional Credit Unions With Business Credit Card Signup Bonuses – Doctor Of Credit (58:55)
  • Hilton Amex NLLs (59:01)
  • Bonvoy SUB (59:05)
  • Increased American Express Delta Offers, Up To 125,000 Miles (Personal & Business Gold, Platinum, Reserve) – Doctor Of Credit (59:09)

Bonuses (59:15)

• Stock (59:15)
  • Betterment: Up To $1,500 Investment Bonus (3 Year Hold Period) – Doctor Of Credit (59:15)
• Bank (59:45)
  • [Expired] [YMMV] Current: $100 Bonus For Existing Customers With Promo Code RETURN100 (59:45)
  • WSFS DP (1:00:08)
  • OnPath Credit Union Rewards Checking $150 Referral For Each (Plus, 6% On Up To $10,000) [Limit 2] (1:00:58)
  • bmo.com/2000spring(1:02:10)
    • HT Ray (1:02:10)
  • [AZ, CA, FL, IN, MI, NJ, NY, OH, WI] Flagstar Bank $300-$500 Checking Bonus – Doctor Of Credit (1:02:52)
  • [NY, MA, RI, and CT Only, In Branch only] Webster Bank $300 Checking Bonus – Doctor Of Credit (1:04:24)
• [LA, MS, FL, AL, TX] Hancock Whitney Bank $600/$1,000 Checking & Savings Bonus – Doctor Of CreditBusiness(1:05:56)
  • https://www.doctorofcredit.com/pnc-up-to-500-business-checking-bonus-al-dc-de-fl-ga-il-in-ky-md-mi-mo-nc-nj-ny-oh-pa-sc-va-wi-and-wv/ (1:05:56)
• Crypto (1:07:03)
  • Robinhood 2.5% Crypto Transfer Bonus – Doctor Of Credit (1:07:03)
  • Coinbase Funding Match(1:07:35)
    • 3% match on Crypto & USD, most hold & have Premium/one for 24m (1:07:35)

Class Action (1:07:55)

• Sirius XM $28 Million ‘Do Not Call’ Class Action Settlement – Doctor Of Credit (1:07:55)
• Preliminary Class Action Lawsuit Over Unpaid Capital One Offers – Doctor Of Credit 
• Amazon Prime $2.5 Billion Settlement ($1.5 Billion For Consumers) – How To Claim Without ID Or PIN – Doctor Of Credit (1:08:03)

Deals (1:08:16)

• [Lightning Deal] Costco.com: $100 inKind Giftcard For $64.99 (Limit 5) – Doctor Of Credit (1:08:16)
• Bellwether denied after opening & funding (1:09:23)
• [Expired] [YMMV] PlayStation Plus Premium Membership Subscription $99.99 (1:08:45)
• MLB TV with TMobile coming up (1:09:45)
  • Applies to Metro by TMobile too (HT Kleed) (1:09:45)
  • Windscribe referral (1:10:21)
• [Lightning Deal/Dead] Rakuten: Get 100%/100x On Incogni (Data Removal Service) – Doctor Of Credit (1:11:13)

CFPB (1:12:20)

• CFPB Aims To Reduce Complaints – Doctor Of Credit (1:12:20)

Other (1:13:32)

• (Not Available Again) Costco Stops Selling Uber & DoorDash eGiftcards – Doctor Of Credit (1:13:32)
• Hilton CEO Claims Chain Has ‘Absorbed’ Inflation Costs On Award Stays (1:13:46)
• Target Closing Down Target Circle Reloadable Cards – Doctor Of Credit (1:14:35)
• Sportsbook SUB Starter Pack (1:15:32)
• Mr Beast bought step(1:16:10)
  • Surprised it wasn’t Current (got $500 from Mr Beast through them) (1:16:10)
• Robinhood Launches ‘Robinhood Banking’ – Doctor Of Credit (1:16:55)
• Citi To Focus On Credit Cards In 2026 – More Details To Come On Investor Day (1:17:30)
• Wealthfront ach info changing (1:18:38)
  • Reminiscent of HMB
• U.S. Treasury Direct No Longer Useful For Direct Deposit Requirements (1:17:40)
• TSA/GE Shut downs (1:18:15)

2025 Spend Analysis (1:19:17)