00:43 - Citi Strata Elite

• Details: 80K TYP | $4K | 90d | $595 AF ($450 AF w/ CitiGold)

2:05 - Pulling 100K Offer—2 options

• In-branch
• US Credit Card Guide
• US Card Forum (still alive as of 08/18/2025)
• Citi Nights - 6x on Dining?
• First to market with hourly CC benefits
• Strata Elite Benefits
• Raymond’s P2 approval via 100K link
• Did Kristoff apply?
• Multiple Strata Elites?
• Year 2 options and beyond…
• 18:18 American Airlines enables up TYP transfers (again)
• Is this a good thing or bad thing?
• Incremental value vs. newcomers to AA
• Is a devaluation now inevitable?

23:00 - Atmos Rewards Summit Visa Infinite Credit Card (FM article)

• Rumored SUB Details: 5K upon approval | 100K | $6K | 90d | $395 AF
• 25K Global Companion Award
• 100K Global Companion Award after 60K spend
• No partner award booking fees (save $12.50 p/p on a partner award booking)
• Up to 3.3x on dining spend and foreign transactions
• $50 voucher for 2 hour flight delay or cancellation
• 1 EQM per $2 spend
• 10K EQMs each year on account anniversary
• Mileage Plan and HawaiianMiles will become Atmos Rewards on 10/01/2025
• Will it be possible to spend up to top-tier MVP Gold 100K? ($200K spend in year 1?)
• Do we spend for AA status or shift to spending towards AS status?
• 2x spend on AA cobranded cards vs. possibility to spend at 3x on the Summit
• How excited are we about this card?

40:42 - US Bank Altitude Reserve - Devaluation

• US Card Forum leaked document
• Long time coming - no more 4.5% cashback uncapped effective 12/14/2025
• 3x mobile wallet spend now capped at 5K per statement cycle
• Points now worth 1cpp if redeemed for travel or as deposit into eligible US Bank account
• $325 Travel / Dining credit can now only be used for travel purchased through US Bank Travel
• Transfer partners? TBD
• Pour one out for a legend

46:54 - US Bank Smartly - Devaluation

• Within 6 months of release, 4% cashback is now borderline useless
• Now, 100k in checking/savings with $10K per statement cycle cap on 4% with many MCC exclusions
• Grandfathered Smartly cards
• 100K in investment accounts still grants access to 4% cashback
• $10K per statement cycle
• Hopefully US Bank is done with nerfs

• Seems like the credit card market is shifting toward more premium cards with higher annual fees, with banks aiming to induce breakage
• Positive shifts with Citi and BofA
• Negative shifts with US Bank

We hope you enjoy! -TPP

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Intro/Outro Music Credits:

"Vibing Over Venus"

Kevin MacLeod (incompetech.com)

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