Bank of America is refunding annual fees for every Spirit credit cardholder and product-changing them into no-fee cards. Mark thought he found a hack in Choice Hotels' gas promo — until Choice's IT outsmarted him. Discover dropped the best welcome offer in its history: $200 after $500 spend, plus double cash back the first year. Then there's the Sapphire Reserve debate — when does pay-yourself-back make the annual fee worth it?

What we cover:


• Spirit credit cardholders get annual fee refunds from Bank of America
• Choice Hotels gas promo: 8,000 points for a $50 card? Not so fast
• Discover's best-ever offer: $200 bonus + double cash back = five quarters of 5%
• Capital One acquiring Discover — could cash back become miles?
• Rethinking the Sapphire Reserve: when couponing actually works
• Pay Yourself Back at 1.25 cents and who should keep the card
• Schwab cashout strategy: turning Membership Rewards into cash Episode Guide:

0:00 - Welcome to MTM Travel
1:01 - Spirit Credit Card Update
5:47 - Choice Hotels Gas Promo
11:17 - Why Discover Card Right Now
16:13 - Rethinking the Sapphire Reserve
22:08 - Spouse Points & Wrap-Up

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