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 (00:40) 

• Stop using filler words! (00:40) 
• Podcast app aggregator (ht bleakchoochoo) (00:44) 
• If you want, support me on patreon! (00:52) 
• Sweaty Heavy Lemon (01:15) 
• Intro music can be found here! (01:17) 
• https://heavylemon.net/ (01:23) 
• SO Kung Fewer, Kleed, Dion, Erica, Shuhui, Rob, Desi, Stan & Jeff in the kleed tier! (01:00) 

Cards (02:07) 

• American Express (02:07) 
• (Update) American Express Platinum Entertainment Increased To $25 (02:07) 
• Hampton Inn Hilton Business Credit 
• Used Hilton Business to book room 
• Asked for incidental card, didn’t have card so used Plat 
• Charged to Plat 
• Called to get changed, double charged Hilton Business 
• Same thing happened in Arizona in Ep 71! 
• American Express Old Blue Cash Card To Be Discontinued, Converted To Blue Cash Everyday (02:55) 
• American Express Business Platinum 300,000 – Doctor Of Credit (03:38) 
• American Express Business Gold: 200,000 Points Offer – Doctor Of Credit (04:24) 
• Custom welcome offers for both, approved for Gold. We’ll see if I can hit the spend… 
• American Express Removes Green Card From Website (05:35) 
• Amex Marriott Business bonus posted (06:10) 
• Applied for Marriott Brilliant personal, got popup (07:12) 
• Capital One/Discover/Brex (07:27) 
• (Targeted) Refer Friend To Capital One Business Card & Get $2,000 or 100,000 Bonus Points – Doctor Of Credit (07:27) 
• New Capital One Spark Cash & Spark Cash Plus Signup Bonus (08:25) 
• Applied for Spark Business, Pulled TU & EQ, denied (09:05) 
• The reason(s) for our decision are: (09:13) 
• Based on your application information, the owner of this legal entity type has too many new credit card accounts (09:13) 
• Based on your credit report from one or more of the agencies on the back of this letter, there are too many recently opened credit cards (09:19) 
• [Reports] Capital One Venture Adding $100 Travel Credit Benefit (09:34) 
• Paze (10:25) 
• $10 Paze Credits Posting (10:25) 
• All of my credits have posted (10:34) 
• Flagged for “suspicious activity” for 24hr (11:08) 
• Banks Want Technophobes and Late Adopters to Use Digital Wallets. It Isn’t Easy. – WSJ (HT Ray) (11:22) 
• Interesting read, especially this part (11:39) 
• Paze says its June promotional campaign has beaten its forecasts. Activations nearly doubled in the four weeks after the June 15 launch, compared with the four weeks before. It said it was too early to know how many people keep using the wallet after the credits run out. (11:42) 
• Paze tracker site for places to use credit like local Clover restaurants (12:35) 
• Chase (13:04) 
• [Targeted] Apple Card $300 Signup Bonus (13:07) 
• Chase Freedom Flex To Lose Cell Phone Protection On 09/20/26 (13:26) 
• Chase Amazon Prime Visa Card: Spend $75+ In Bill Pay Categories, Get $15 Back – Doctor Of Credit (14:09) 
• Some reports Chase Amazon of not curbing 5/24 (HT joeactuary.) (14:59) 
• What Does Chase Consider A Lifetime (When Are You Eligible For Another Bonus)? (15:31) 
• Chase Sapphire Lounges Removing Priority Pass Access & Increasing Layover Time Allowed (16:20) 
• Ritz/other premium chase cards keep access (18:45) 
• Chase To Cut Priority Pass Access To Its Lounges – NerdWallet (18:52) 
• US Bank (19:17) 
• US Bank allows Network Changes (19:17) 
• U.S. Bank Converting Kroger Credit Cards To Smartly (20:30) 
• BofA (21:12) 
• [2026 Reset] What Triggers The Bank of America Premium Rewards $100 Travel Credit? – Doctor Of Credit (21:12) 
• Rakuten Adds Bank Of America Cards To Portal – Up To $275 (21:54) 
• Bank of America Offering $175 Retention Offers (22:16) 
• Bank Of America Converting Spirit Airlines Cards To Customized Cash Rewards ($250 Bonus & 2% Extra Cash Back On All Purchases For Some)  
• Citi (23:05) 
• Citi Strata Premier – “Limited-time offer: Enjoy $75 off your next hotel booking of $400 or more with the Citi Travel site when you book by 08/07/2026 11:59pm ET (23:05) 
• Citi Files Trademark For ‘Citi Clear Cash’ (23:49) 
• Citi Refreshes American Airlines Executive Card ($695 Annual Fee & New Benefits) – Doctor Of Credit (24:32) 
• Wells Fargo (26:42) 
• Wells Fargo Autograph Journey Card – Premier & Private Bank Versions (100k Bonus, Additional Benefits) (26:42) 
• Robinhood (27:33) 
• Robinhood Platinum Card: $695 Fee, 5% Dining – Doctor Of Credit (27:33) 
• Original terms 
• Robinhood Revamps $695 Platinum Card After Customers Take Issue With Perks : r/CreditCards 
• PenFed (32:18) 
• The PenFed Defender Visa was announced yesterday, and the waitlist is open. The card’s vitals: 
• – No annual fee 
• – 5x at gas and EV charging 
• – 3x at grocery, restaurants, sporting goods, military commissaries, and base exchanges 
• Before you get too excited, PenFed is really good with gas pump versus gas store coding, and their points are worth about 0.8-0.9 cents each. (Thanks to MattyB) 
• HT ME&B 
• DoC 
• Other (33:31) 
• Comenity Playstation Credit Card Adds PlayStation Plus Premium With $6,000 In Spend (33:31) 
• Venmo To Make Changes To Venmo Stash Loyalty Program – Doctor Of Credit (34:04) 
• https://discord.com/channels/1260736900700962876/1260747666883870842/1528906944272793600 
• Barclays & Samsung Announce Samsung Galaxy Card – $200 Bonus + 3% Back On All Samsung Wallet Purchases (Uncapped) (35:27) 
• Don’t need a samsung phone can be any android! (36:30) 
• CC SUB of the month (36:43) 
• Personal under 5/24 (36:45) 
• Apple Card (36:52) 
• CSP via referral (36:47) 
• Personal over 5/24 
• Apple Card 
• BofA CC or TR via Rakutan (36:59) 
• Business (37:07) 
• Amex Bis Plat/Gold (37:08) 
• Capital One Spark Cash & Spark (37:10) 

Bonuses (37:16) 

• Bank (37:16) 
• Chase $900 Checking + Savings Bonus – Doctor Of Credit (37:16) 
• Ep 48 (37:21) 
• [CT, MA, ME, NH, NJ, NY, RI or VT] Webster Bank $300 Checking + $300 Savings ($900 For Both) – Doctor Of Credit (37:25) 
• Brokerage (37:58) 
• TastyTrade 3% Transfer Bonus – Up To $3,000 Bonus (36 Month Hold) – Doctor Of Credit (37:58) 

Deals (38:43) 

• Costco.com: $100 inKind Giftcard For $64.99 (Limit 5) – Doctor Of Credit (38:43) 
• inKind pass is from Perks @ Work coupon (39:07) 
• Odd Lot Payout (40:30) 
• 99 shares sold @ $2.50= $247.50 (40:35) 
• $30 transaction fee (41:03) 
• 99 shares bought @ $1.05 = $103.95 unit cost (41:10) 
• Total profit: $113.55 or 109% gain (41:17) 
• Google Fi: 75% Off For 12 Months [Ends 8/3] (39:30) 
• AmEx Offers (Platinum): $20 Off $60 at Walmart.com (Can Be Done Twice) – Doctor Of Credit (40:01) 

Class Actions (41:42) 

• Financial Aid Antitrust Settlement $1981 payout (41:45) 
• Beyond meat payout $22.26 (42:24) 

Other (42:59) 

• Potential IRS Refund For COVID Era Penalties (Must File By 7/10) (42:59) 
• Marriott Adds 5%-10% Devaluation To Award Bookings – Doctor Of Credit (43:25)