Hosts | Matt Clausen of Credit Tidbits | Lani from Call Me Lani | Tariq Gaines from Riq’s Rewards | RJ from Do You Take Cards
 
Viewer Questions



As credit card and service fees become more common, at what point do you pay with another form of payment versus a credit card?  A charge that codes as 3x with a 3% fee?  2x catch-all with a 3% fee?  Or just when you are working on a SUB?  Or never? - Keith 


What do you do if you’re at the airport and you learn that your flight will be delayed? Look into other options with the same/different carrier? Ride it out? Are there any tools that help you make these decisions? - joromacsquibb


How have you used points/miles and CC perks to help family and friends? For example, I have recently covered a family member's multiple hotel stays in her effort get a second opinion from an specialist doctor. @Keith had several other great examples in another thread. Any suggestions for how people can use their points and perks to help others? Big or small. - DDAF 


What is your favorite movie to watch on a plane? - AP



News Round-Up



Amex is going be refreshing more cards


⁠⁠SoFi just released their Q4 2024 earnings call and during it they mentioned that they have signed a hotel co-branded partner.⁠⁠


“...we’ve signed a partnership with a leading hotel rewards brand for a co-branded debit card program launching in the first half of ’25. This is a new differentiated offering that will expand our footprint among consumer brands.”






Topics

Matt
You’re named Head of Product for a brand-new Credit Card Company; how would you approach designing cards to differentiate from the big issuers/be “interesting” (interpret how you will)



Lani
No topic this week 



Tariq
I know all of us here are for the most part use points-earning cards to redeem for travel, but I think we should discuss how cash back provide peace of mind in its simplicity. 



RJ 
Which card in your wallet needs a refresh the most, what would you change and which card are you most comfortable staying how it is currently? 

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