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Binders Full of Bilt Cards


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Viewer Questions  

- Considering Matt has a stranglehold on rocket, which guardians characters do the rest of the gang identify as? - Sk8za

- How should creators walk the line between speaking in their own experience re: what set ups or strategies work for them vs. inadvertently giving the impression that they are suggesting people should do the same? - DDAF

- Several credit cards in the past gained more appreciation when they could no longer be applied to and were only available to grandfathered cardholders. For example, Citi Prestige (5x restaurants, but considered a shell of its former self) and Chase United Presidential Plus (low-priced United Club access, but considered expensive in an era right after lifetime lounge membership was offered). Which of today’s cards would be considered lost grails if they were unobtainable to new applicants? - Ganelon

- With Amex closing the United travel  bank loophole on the Platinum, does it affect the Hilton Aspire as well. - James Ragland

- People talk about card setups and ecosystems but never the endgame. What is considered your endgame setup (ignoring welcome sub resets on eligibility and NLL links) does that endgame include multiple transferrable ecosystems or one single one etc. - Diamond Ryce

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Topics   
Matt    
- Are we overlooking dining programs besides the ones on RewardsNetwork via the Airlines/Hotels. Is anyone using or extracting value out of the Seateds or InKinds of the world? Would you experiment more with them if you lived in a different area?

Lani  

- Do you ever experience “Which Card Paralysis?” This is when you need to swipe and you don’t know which card to use. What points you need, which credit can be used, etc. 
 - For me its dining. Because every card has a dining category, when it comes to dining in the wild, I always freeze a little bit, Gold, Aspire, CSR? 

RJ

- Is there a “happiness” scale in credit cards? It seems the more people know and the more they hunt the high of a great redemption the more they become pessimistic about the game.
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00:00 Welcome Back + Lonnie’s Tokyo Trip Highlights
09:01 Which Guardians of the Galaxy Character Are You?
10:30 Sharing Personal Strategies Without Sounding Prescriptive
32:57 Which Current Cards Become ‘Lost Grails’ If Discontinued?
40:53 Amex Closes United TravelBank Loophole—Does Aspire Get Hit Too?
48:12 What’s Your Credit Card ‘End Game’ Setup (If It Even Exists)?
01:01:22 Revisiting TravelBank + Amex ‘Thinning the Herd’: Higher Spend, Crowded Lounges
01:09:22 Which Card Paralysis: Picking the Right Card for Dining (Japan vs US)
01:17:39 Are We Overlooking Dining Programs? Seated, InKind, United Dining & More
01:28:17 Credit Card “Happiness Scale”: More Knowledge, Less Joy?
01:39:05 Reality Check & Closing: Use Points, Shoutouts, and Final Thoughts
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