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00:00:00 - Introduction00:01:44 - Hard Inquiries and Credit Cards00:07:21 - Bank of America Preferred Rewards00:17:43 - Credit Card Fees and Benefits in 202500:36:23 - Refreshes = Nerfings?00:50:42 - Building a Travel Strategy with Credit Cards01:08:24 - The Impact of Citi and AA Partnership01:30:03 - Unexpected Ways to Use Points and Miles01:41:11 - Credit Card Market Trends01:53:17 - Over-Seriousness in the Credit Card Community02:09:14 - Final Thoughts and Member Acknowledgements---Check out SYP's website and join the Discord: StackYourPoints.com