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 [https://www.uscreditcardguide.com/citi-strata-elite-credit-card/] * US Card Forum [https://www.uscardforum.com/t/topic/418812] (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 [https://www.uscardforum.com/t/topic/418812] * 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 [https://frequentmiler.com/alaska-summit-visa-premium-card-heres-the-details/] (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 [https://www.uscardforum.com/t/topic/419568] * 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 Join The Points Project Patreon! [https://www.patreon.com/ThePointsProject] Intro/Outro Music Credits: "Vibing Over Venus" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0