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 (01:03)

• Stop using filler words! (01:06)
• Podcast app aggregator (ht bleakchoochoo) (01:10)
• If you want, support me on patreon! (01:15)
• Sweaty Heavy Lemon (01:20)
  • Intro music can be found here!
  • New song playing at the end (01:23)
• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi, Stan & Jeff in the kleed tier! Welcome Witold & Grant to the patreon! (01:36)

• Thanks for using my Amex Plat referral! (Didn’t even know it was still active) (01:53)
• Thanks for the Current referral! ($100) (02:38)

Cards (02:50)

• Q3 2026 5% Quarterly Categories: Activate, Offers & Suggestions (Freedom/Flex, Discover, Dividend, Cash+ & More) – Doctor Of Credit(02:50)
  • Discover it categories (03:22)
    • Source is Patreon exclusive (03:36)
• Capital One/Discover (06:13)
  • Capital One Venture Business 100,000 Points – Doctor Of Credit (06:13)
  • Capital One Savor $250 Signup Bonus After $500 Spend (Plus, 0% APR Intro) – Doctor Of Credit (06:41)
  • Capital One Spark Cash Business Card $1,000 Signup Bonus With $10,000 Spend – Doctor Of Credit (07:06)
  • Capital One Dining To Close Down – Doctor Of Credit (07:40)
• Chase (08:09)
  • Chase Southwest Cards: 80,000-90,000 Bonus – Doctor Of Credit (08:09)
  • Chase Sapphire Preferred Refresh: Increased $100 Hotel Credit, 3x Gas, TSA/GE Benefit, AppleTV & More (Same $95 Fee)(09:18)
    • Funny reddit comment(11:42)
      • Gatekeeping transfer to reserve? (12:21)
  • Chase Sapphire Reserve Business 200,000 – Doctor Of Credit (12:44)
  • Chase INK Cash & Unlimited 100,000 Points – Doctor Of Credit (13:38)
  • Chase Amazon Prime Visa $200 Signup Bonus With No Spend Required (matches highest ever besides one time at $250) (14:31)
  • Chase Sapphire Preferred 100,000 Points Offer (Available via Referrals) – Doctor Of Credit (15:00)
  • Rumor – Chase to discontinue Sapphire Checking (15:20)
  • Chase Secures Miami Airport Lounge Spot Over Capital One (Huge Outbid) (16:20)
  • Chase Clawing Back Hotel Credits For Cancelled Reservations On New Sapphire Preferred Credit (18:56)
  • Chase offers(19:50)
    • Earn a total of 9% back at grocery stores, restaurants, and gas stations with Prime Visa. Activate to earn more from July 1 through September 30 on up to $1,000 in combined purchases. Exclusions apply, see terms.* (20:05)
    • Showed no % on offers site but received email with details (20:21)
• Amex (22:19)
  • Rakutan (22:19)
    • (Update: $100 Bonus) Rakuten American Express Card With Extra Earnings On Rakuten Shopping & Dining – Doctor Of Credit (22:19)
    • Rakuten Credit Card Increasing 4% Earning Cap, Adding $100 Referral (22:41)
  • American Express To Discontinue Personal Credit For Corporate Cardholders (23:12)
  • American Express Green Card Name Change To ‘Classic Green Card’ – Doctor Of Credit (24:08)
  • AmEx Offers: Transit/Rideshare, 1,000 Points – Doctor Of Credit (24:33)
  • Schwab Investor Card from American Express $300 Sign Up Bonus – Doctor Of Credit (24:46)
  • [AmEx Statement: No Nerf] American Express To Nerf Resy Credit (Select Restaurants Only) 
  • Delta (25:21)
    • [Live] American Express & Delta To Add Second Checked Bag Free For Cardholders (25:45)
    • New card design
    • American Express Delta Cards Add $120 Rideshare Credit (Personal & Business)(25:21)
      • See comment
    • Delta biz upgrade offers (26:49)
  • American Express To Acquire TheFork For $700 Million (27:49)
  • Transfer boosts (28:44)
    • American Express Transfer Bonus: 30% To Virgin Atlantic (28:44)
    • American Express Transfer Bonus: 20% To Hilton Honors (1:2.4) (29:00)
    • American Express Pulls Virgin Atlantic & Hilton Transfer Bonuses (29:12)
  • (Update) American Express Personal Platinum Adds $200 Oura Ring Credit (29:17)
  • Amex adds pay with points to Apple Pay(30:01)
    • Genius people will absolutely use this (30:10)
  • American Express Centurion Adds $1,000 Resy Credit (30:56)
  • American Express Adds Benefits Tracker (Coupon Tracker in the login) – Doctor Of Credit (32:06)
  • American Express Platinum Card Applying $50 ‘Goodwill Credit’ for some new cardholders (33:12)
• Citi (33:41)
  • Rakuten: $100 Bonus on Citi Strata Premier – Doctor Of Credit (33:41)
• NFCU (34:22)
  • Navy Federal Credit Union $250 New Member Bonus (34:22)
  • Navy Federal Credit Union (NFCU) cashRewards Credit Card: $250 Bonus and 1.99% APR On Balance Transfers – Doctor Of Credit (35:00)
• BofA (35:37)
  • (Update) Bank of America Launches Credit Card Referral Program – $100 Per Approved Card (Up To $500)(35:37)
    • CCR referral (36:15)
    • UCR referral (36:15)
  • Alaska (36:26)
    • Atmos Rewards Increasing Partner Award Fee From $12.50 To $20 (36:26)
    • Alaska Airlines CFO Would Love For Bank of America Points To Be Transferable To Atmos – Doctor Of Credit (37:03)
    • Bank of America Atmos Rewards Summit Visa Infinite Card 100k Point Bonus + 50% Flight Discount – Doctor Of Credit (37:55)
  • BofA Talks Publicly about Preferred Rewards (38:16)
  • PR/E Airline Credit(39:56)
    • Seems to not be crediting. Charges look the same. Did not credit after a week (40:22)
• Cardless (40:42)
  • Cardless Giving Large Unsolicited Credit Limit Increases On Bilt Palladium Cards (40:42)
  • Bilt GC Boost (41:08)
• Credit One (41:33)
  • (Update) Credit One Platinum X5 Card Review – 5% Back On Gas, Grocery & More Each Year ($5,000 Cap) – $95 Annual Fee(41:33)
    • Shaq marketing campaign – really?? (42:06)
• Wells Fargo (42:21)
  • Wells Fargo Making Changes To Credit Cards (Rewards Accounts No Longer Combined) (42:21)
  • Attune discontinued (ht Ray) (42:45)
    • Entertainment Cash Back Spreadsheet (43:28)
• Barclays (44:54)
  • Barclays Wyndham Rewards Earner Premier Card – Doctor Of Credit (44:54)
  • Barclays Refreshes Wyndham Personal & Business Cards – Increased Fees, Added Credits, Changed Points Earning – Doctor Of Credit (47:43)
• US Bank/Elan (50:22)
  • U.S. Bank Shopper Cash No Longer Accepting New Applications (Discontinued?) (50:22)
  • Wintrust Community Banks (Elan) Everyday Rewards+ $150 Signup Bonus (52:37)
• Robinhood (53:02)
  • Robinhood Gold Adds 3% Foreign Transaction Fee(53:02)
    • New card holders only (53:02)
• Sofi (53:21)
  • SoFi Smart Card Unlimited 5% Grocery Stores – Doctor Of Credit (53:21)
• USAA Launches New Eagle Adapt Card – $200 Bonus, 15 Month 0% Period & 3% Cashback Select Categories (51:35)
• Friday: Bilt Disappoints, Covered Gives Bilt a Challenge for Most Complicated Program, Wyndham Disappoints, Random Numerology, and Capital One Spark Cash – Miles Earn and Burn(53:52)
  • New Coverd Visa (53:52)
• [CA Only?] OceanAir Credit Card – 5% Back On Gas/Travel, 4% Back On Warehouse Clubs & More – Doctor Of Credit (54:39)
• [Update] Verizon Credit Card With VerizonDollars 4% Back on Groceries & Gas; AutoPay Benefit; $150 Signup Bonus (55:32)
• CC SUB of the month (56:30)
  • Under 5/24: CSP, Chase Southwest (56:34)
  • Over: NFCU along with new member sign up maybe Flagship, Chase Amazon, Citi Strata Premier via Rakutan (56:38)
  • Business: CSR Business, CapOne Venture Business/Spark Cash (57:03)

Deals (57:11)

• VPN Deals on Shopping Portals(57:14)
  • [Lightning Deal/Expired] Rakuten: Get up to 100x On NordVPN, NordPass, NordProtect, Surfshark, ExpressVPN (Stack With Chase Offer for 15% Back) (57:14)
  • NordVPN Pending $80.93 (57:35)
  • Surfshark Pending $109.74 (57:41)
  • ExpressVPN Pending $171.50 (57:43)
• Symphony: 5% APY + 2% In Points (Not FDIC Insured) (57:54)
• Capital One Shopping entertainment $100 (59:31)
  • Bought concert tickets via Eventtickets, canceled. Bought 3x on Stubhub, each one canceled and relisted for more money. Bought 2 tickets in each transaction. Friend bought 1 ticket in two transactions for me and went through. COS credit showing as pending (still pending 1 month later) (59:38)
• [Lightning Deal/Expired] Uber App: Save 15% On Uber Giftcards (YMMV) – Doctor Of Credit (1:01:36)
• Albert (Fintech): Get $200 In Stock For Free (1:01:48)
• InKind (1:02:56)
  • Costco InKind GC Sale (1:02:56)
  • [New Offers] inKind: $15 Off $15 & $25 Off $50 – Doctor Of Credit (1:03:43)
• [Lightning Deal/Mostly Dead] (Update) Paze: Get Free $100 Back *Per Card* (10 x $10) – Doctor Of Credit(1:03:58)
  • [Credits Already Posting!] WOW! It Now Pays To Use Paze: Get Up To $100 Back Per Card On Top Of 10x Bonus Points! – DansDeals.com
  • Dunkin: $280 GC buy in app (still working ~1/day) (1:05:52)
  • Newegg: 74 orders = $740 (1:07:03)
    • Nintendo 20 x $5 + 5 x $10 = $150 (1:07:07)
    • Chipotle 18 x $5 + 10 x $10= $190 (1:07:15)
    • Starbucks: 6 x $5 = $30 (1:07:20)
    • AutoZone:10 x $10 = $100 (1:07:24)
    • GrubHub: 9 x $10 = $90 (1:07:30)
    • Lyft: 10 x $10 = $100 (1:07:35)
    • Uber: 8 x $10 = $80 (1:07:38)
  • Total: $1020 (1:07:42)
  • $115 Newegg Giftcard for $100 – Doctor Of Credit
  • Cards used (1:08:09)
    • BofA
      • PRE Visa: $100 spent $100 credited, 1 came late (1:08:09)
      • CCR **70 Visa: $90 spent $90 credited
      • CCR **24 Visa: $70 spent $70 credited
      • CCR MC: $100 spent $100 credited
      • UCR Visa: $30 spent $30 credited (1:08:17)
    • Citi (1:08:21)
      • CC MC: $100 spent $100 credited (1:08:21)
    • Chase (1:08:30)
      • CFF MC $100 spent $100 credited
      • CF Visa: $100 spent no credit yet
      • Amazon Visa: $100 spent no credit yet
    • Capital One (1:08:34)
      • VX Visa: CCR 70 Visa: $100 spent $100 credited (1:08:21)
    • Elan (1:08:35)
      • Visa: $110 spent $100 credited (1:08:35)
        • Accidentally charged an extra $10
    • Missing $20 from somewhere 
  • Donate $10 To St. Jude’s For Free With Paze Promo (Domino’s Checkout; Possible Tax Write-Off) – Doctor Of Credit (1:09:19)
• Delta: Flash Award Sale(1:09:52)
  • Round trip to Boston Nice Thu, August 27 – Fri, September 4, 2026 for two (1:10:11)
    • 68,000 miles + $200 TOTAL (1:10:33)
      • Probably could have used BofA PRE Incidental credit on $200 taxes, may use on seat upgrade
    • Flights cost $1600 total (1:11:12)
• [Starts 7/8] DoorDash DashPass: 25% Off DoorDash Giftcards (Up To $100) (1:12:02)

Bonuses (1:12:29)

• Bank (1:12:29)
  • Netspend $100 Checking Bonus – Doctor Of Credit (1:12:29)
  • [MA] Cambridge Savings Bank $800 Checking Bonus + $400 Savings – Doctor Of Credit(1:12:46)
    • Did not read terms right, did not get bonus (1:13:56)
  • Fruitful (Fintech) $250 Direct Deposit (1:14:07)
• Brokerage (1:14:34)
  • Plynk Brokerage 25% Bonus On Earned Dividends ($250 Annual Max) – Doctor Of Credit (1:14:34)
  • [Targeted] Robinhood: Up To $1,250 New User Bonus (30 Day Hold Period) (1:15:22)
  • TradeStation: Deposit $5,000+ & Earn $250 Bonus – Doctor Of Credit (1:15:49)

Class Actions (1:16:07)

• Facebook payout (1:16:07)
• https://www.nyrenfaireticketfeesettlement.com/(1:16:14)
  1. Received email with claim ID and pin for $20 (1:16:14)
• https://www.overchargedforbeef.com/en(1:16:27)
  1. Heard on the radio (1:16:27)

Other (1:16:40)

• Caesars Entertainment To Be Acquired By Fertitta Entertainment In $17.6 Billion Deal (1:16:45)
• American Airlines Blocking Partner Saver Award Flights Within 144 Hours Of Departure (1:17:00)
• [Lightning Deal/Expired] Odd Lot Tender Opportunity: Buy OPTU For $1.05+, Sell For $2.5 (~$145 Money Maker)(1:17:54)
  • Bought on Merrill, called to execute option, charged $30 unwaveable fee, has not sold yet (1:18:57)
• TSA Launches Remote Security Screening Program Near Boston Logan(1:19:40)
  • HT Ray
• Mint Mobile 5GB upgraded to 6GB free of charge (1:20:55)
  • Perfect for me I often use just a bit over 5GB (1:21:03)
• Visa & Mastercard Reach Settlement With Merchants To Lower Fees, Not Accept All Card Types (1:21:36)
• How To Calculate And Share Your ChexSystems Datapoints (1:22:44)
• ‘Verizon Shine’ Rewards: 3% Back + Freebies – Doctor Of Credit (1:22:58)
• CLEAR AmEx Rebate Increase To $219 – Doctor Of Credit(1:23:06)
  • New e turnstiles are amazing (in DCA) (1:23:21)
• Federal Student Loans: Enroll in Auto-Pay & Save 1% – Doctor Of Credit (1:23:56)
• Uber Eats Order woes (1:24:20)