00:00:00 - Introduction

00:01:44 - Hard Inquiries and Credit Cards

00:07:21 - Bank of America Preferred Rewards

00:17:43 - Credit Card Fees and Benefits in 2025

00:36:23 - Refreshes = Nerfings?

00:50:42 - Building a Travel Strategy with Credit Cards

01:08:24 - The Impact of Citi and AA Partnership

01:30:03 - Unexpected Ways to Use Points and Miles

01:41:11 - Credit Card Market Trends

01:53:17 - Over-Seriousness in the Credit Card Community

02:09:14 - Final Thoughts and Member Acknowledgements

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