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	<title>Doctor Of Credit</title>
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	<link>https://www.doctorofcredit.com</link>
	<description>Bank Account &#38; Credit Card Bonuses</description>
	<lastBuildDate>Tue, 14 Apr 2026 21:51:23 +0000</lastBuildDate>
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		<title>Wawa: Free Any Size Coffee (4/16 Only)</title>
		<link>https://www.doctorofcredit.com/wawa-free-any-size-coffee-4-16-only/</link>
					<comments>https://www.doctorofcredit.com/wawa-free-any-size-coffee-4-16-only/#respond</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 21:51:23 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[free drinks]]></category>
		<category><![CDATA[freebies]]></category>
		<category><![CDATA[wawa]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256438?d=20260414</guid>

					<description><![CDATA[Wawa is offering rewards members (free to join) a free coffee (any size) on 4/16. ]]></description>
										<content:encoded><![CDATA[<h2>The Offer</h2>
<ul>
<li>Wawa is offering rewards members (free to join) a free coffee (any size) on 4/16.&nbsp;</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa.jpg"><img fetchpriority="high" decoding="async" class="aligncenter size-large wp-image-256439" src="https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-1024x576.jpg" alt="" width="810" height="456" srcset="https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-1024x576.jpg 1024w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-300x169.jpg 300w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-768x432.jpg 768w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-1536x864.jpg 1536w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-810x456.jpg 810w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa-1140x641.jpg 1140w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/wawa.jpg 1920w" sizes="(max-width: 810px) 100vw, 810px" /></a></p>
<h2>Our Verdict</h2>
<p>Free is free. This is for Wawa day, they are also giving $250,000 away to charity partners.&nbsp;</p>
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		<item>
		<title>OKX Airdrop: Free Crypto When You Hold $10,000+</title>
		<link>https://www.doctorofcredit.com/okx-airdrop-free-crypto-when-you-hold-1000/</link>
					<comments>https://www.doctorofcredit.com/okx-airdrop-free-crypto-when-you-hold-1000/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 21:45:43 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[crypto]]></category>
		<category><![CDATA[cryptocurrency]]></category>
		<category><![CDATA[okx]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=248951?d=20260414</guid>

					<description><![CDATA[Crypto platform is offering free crypto via an airdrop when you hold $1,000 in crypto on OKX.]]></description>
										<content:encoded><![CDATA[<p>Update 4/14/26: Another drop coming up, for 1M of BASED crypto from April 14 to April 17. Drop time is 9PM PST every day. (ht reader BonusVault)</p>
<p>Update 3/23/26: New drop starting today for MON. Hat tip to reader <strong>Party Like It’s 1929</strong></p>
<p>Update 2/28/26: New drop starting 3/2, remember need a minimum hold of $10,000 now.&nbsp;</p>
<p>Your rewards scale with your balance:</p>
<ul>
<li><strong>Standard:</strong>&nbsp;Hold $10K+ in eligible crypto to participate</li>
<li><strong>VIP:</strong>&nbsp;Hold $100K+ in eligible crypto to unlock up to&nbsp;<strong>10x rewards</strong></li>
</ul>
<p>Top up early to reach your tier and maximize your rewards — don’t miss the most rewarding X Drop yet.</p>
<p><strong>How it works:</strong></p>
<ul>
<li>Join the upcoming Canton ($CC) X Drop in the app on&nbsp;<strong>March 2, 8:00 PM PST</strong></li>
<li>Rewards are based on your daily eligible balance (up to $20K for standard users, $200K for VIPs)</li>
<li>Rewards are distributed automatically each day</li>
</ul>
<p>Update 2/27/26: USAT now also excluded from earning air drop. Full list of excluded assets: cash, USDG, USDC, USDT, USD1, DAI, PYUSD, USAT.&nbsp;</p>
<p>Update 2/13/26: A change goes into effect on March 1st: the air drop minimum holdings will be $10,000 and you&#8217;ll earn more for holding up to $100,000 in crypto. (Note: Having 100k in assets is not enough to qualify for VIP and get an increased airdrop earnings. Your trading volume should also be 100k+ per 30 days.)</p>
<p>Update 2/12/26: New air drop for 1.8m ZAMA, starts today and runs through February 15th. Also note: OKX now excludes PYUSD from counting for air drops. (Full list of excluded assets: cash, USDG, USDC, USDT, USD1, DAI, PYUSD.)</p>
<p>Update 2/4/26: New air drop for SENT, starts today and runs through February 8th</p>
<p>Update 1/26/26: The SPACE air drop is running for 5 days, from January 26 through January 30th. They&#8217;ve increased the max to $20,000 now (previously it was $10k).</p>
<p>Update 1/24/26: New air drop for SPACE coin coming soon (doesn&#8217;t say dates). You&#8217;ll also get a multiplier if you refer people to Airdrops (not to OKX itself). Refer multiplier lasts for 14 days. Do not share referrals in comments please.</p>
<p>Update 1/15/26: New Air Drop for FOGO. It runs from January 15th through January 19th with a new Drop each day. Hat tip to reader Harry</p>
<p>Update 1/8/26: There&#8217;s a new Air Drop today at 11am EST for 500k BREV. (ht Alex)</p>
<p>Update 12/29/25: They&#8217;ve now excluded USDT from being eligible for Air Drops. (Previously only USDC and USDG were excluded.)&nbsp;</p>
<p>Update 12/15/25: Looks like there is a new round for NIGHT? I don&#8217;t fully understand how it works to eb honest. Promo link <a target="_blank" href="https://www.okx.com/help/okx-will-support-the-midnight-night-airdrop-for-ada-btc-eth-sol-xrp-bnb-avax">here</a>.</p>
<h2>The Offer</h2>
<p style="padding-left: 40px;"><a target="_blank" href="https://x.com/okx/status/1996739992002220170">Direct link to offer</a></p>
<ul>
<li>Crypto platform is offering free crypto via an airdrop when you hold $1,000 in crypto on OKX.&nbsp;
<ul>
<li>OKX → Opt-In → earn rewards</li>
</ul>
</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2025/12/okx-airdrop.png"><img decoding="async" class="aligncenter size-full wp-image-248952" src="https://www.doctorofcredit.com/wp-content/uploads/2025/12/okx-airdrop.png" alt="" width="795" height="612" srcset="https://www.doctorofcredit.com/wp-content/uploads/2025/12/okx-airdrop.png 795w, https://www.doctorofcredit.com/wp-content/uploads/2025/12/okx-airdrop-300x231.png 300w, https://www.doctorofcredit.com/wp-content/uploads/2025/12/okx-airdrop-768x591.png 768w" sizes="(max-width: 795px) 100vw, 795px" /></a></p>
<h2>Our Verdict</h2>
<p>First one seems to be SEI tokens. They are giving away 1,000,000 in total, price seems to be $0.13 so $130,000 worth total. Although USDC/USDG/USDT is excluded, and that&#8217;s what most readers hold. As always do your own due diligence.&nbsp;</p>
<p>Many readers already have an account with OKX <a href="https://www.doctorofcredit.com/okx-cypto-account-400-signup-bonus/">from the easy $200 signup bonus </a>or <a href="https://www.doctorofcredit.com/share-your-okx-crypto-platform-referrals/">the older/expired $200 referral bonus</a>&nbsp;and <a href="https://www.doctorofcredit.com/?s=okx">from the deposit match deals.</a></p>
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		<title>Maximizing The Resy $400 Dining Credit On American Express Platinum Card</title>
		<link>https://www.doctorofcredit.com/maximizing-the-resy-400-dining-credit-on-american-express-platinum-card/</link>
					<comments>https://www.doctorofcredit.com/maximizing-the-resy-400-dining-credit-on-american-express-platinum-card/#comments</comments>
		
		<dc:creator><![CDATA[Chuck]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 21:36:55 +0000</pubDate>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[american express platinum]]></category>
		<category><![CDATA[resy]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=244943?d=20260414</guid>

					<description><![CDATA[The Amex Platinum now comes with $400 in annual Resy dining credits, split into $100 each quarter. Here’s how to maximize the credit, buy gift cards, stack with programs like inKind and Rakuten]]></description>
										<content:encoded><![CDATA[<p><strong>Update 4/14/26:</strong> Some people have been having issues purchasing gift cards online. It seems to have started 3/30 or 3/31. I think this is actually a temporary issue affecting purchases from 3/30 &#8211; 4/2 (maybe longer?) as recent transactions seem to be unaffected. My theory is that American Express does something funky on the back end for transactions near the end of a quarter so that it properly codes for the correct quarter (e.g based on transaction date vs post date).&nbsp;</p>
<p><strong>Original Post:</strong></p>
<p><a href="https://www.doctorofcredit.com/american-express-refreshes-platinum-business-platinum-cards-895-fee-175k-200k-bonus-many-new-credits/">American Express added $400 in annual Resy credits</a> to their consumer Platinum card with a new $100 credit available each calendar quarter (Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec).</p>
<p><strong><span style="text-decoration: underline;">You don&#8217;t need to book anything online in the Resy booking platform</span>.</strong> <span style="text-decoration: underline;">You don&#8217;t need a Resy account.</span> <span style="text-decoration: underline;">Simply: (1) enroll your card, (2) find a restaurant on<a target="_blank" href="https://resy.com/?"> Resy.com</a>, (3) walk in and dine, and (4) charge it on your Platinum card.&nbsp;</span></p>
<p><span style="font-size: 8pt;">There&#8217;s a similar $100 credit on the AmEx Gold card with $50 available from January through June and another $50 from July through December. And the AmEx Delta Platinum/Reserve cards come with a $10/$20 monthly Resy credit. The details and tips in this post would apply in similar fashion to those cards.</span></p>
<h2>Using The $100 Resy Credit</h2>
<ol>
<li><strong>Enroll</strong>: <span style="text-decoration: underline;">Be sure to enroll in the Resy credit before using.</span> Just enroll the first time when you get the card and that enrollment lasts forever on that card. You can <a target="_blank" href="https://global.americanexpress.com/card-benefits/detail/400-resy-credit/platinum#">enroll at this link.</a> (You<a target="_blank" href="https://www.reddit.com/r/churning/comments/1nnhgz2/news_and_updates_thread_september_22_2025/nfmnpqt/"> can use</a> the card the same day as enrollment.)</li>
<li><strong>Map</strong>: Find all Resy restaurants on<a target="_blank" href="https://resy.com/?"> the Resy.com website</a>. Search by city. Here is<a target="_blank" href="https://resy.com/cities/new-york-ny/search?"> a sample link for a New York search.</a> I found<a target="_blank" href="https://useyourcredits.com/maps/resy/"> this map from useyourcredits.com</a> to be easier to use <em>(more on that below).</em> There are over 10,000 eligible restaurants in over 1,600 cities to choose from.</li>
<li><strong>U.S. Only:</strong> Only U.S. restaurants found on the Resy site are eligible.</li>
<li><strong>You don&#8217;t need to book anything online in the Resy booking platform.</strong> You don&#8217;t need a Resy account. Simply find a restaurant on Resy.com, walk in and dine, charge it on your Platinum card.&nbsp;<em> (I put this line at the top of the post since it&#8217;s the first question everyone asks.)</em></li>
<li><strong>Tips/Taxes:</strong> All taxes and tips count in the charge to get the $100 credit. It&#8217;s the final charge on the card that matters.</li>
<li><strong>Payment</strong>: Apple Pay in-restaurant <a target="_blank" href="https://www.reddit.com/r/churning/comments/1nk46d7/amex_plat_personalbiz_refresh_megathread/nfmwbel/">is fine.</a> Paying for part of the meal with your AmEx Platinum and part with another card is fine, e.g. if you spend $250, ask the waiter to charge $100 on your Platinum card and put the rest on another card. Or split the bill between two Platinum cards, if you have. You can also use up the $100 Resy credit with multiple smaller purchases throughout the quarter, e.g. dine once for $50 and then another time in the same quarter for $50.&nbsp;</li>
<li><strong>Resy Tracker:</strong> AmEx has a tracker for the Resy credit, along with all of the other benefit trackers there. You can find it in the online login or the AmEx app. You&#8217;ll typically see the spend show up in the tracker within a few days of the purchase and then a couple of days later the actual statement credit will post to your account. Officially, Amex says to give it 8 weeks for the credit to show.&nbsp;</li>
<li><strong>Timing</strong>: <a href="https://www.doctorofcredit.com/credit-card-transactions-purchase-date-and-post-date/">Out of caution, it&#8217;s worth doing any online purchases a few days in advance</a> of the end of the quarter in case the charge doesn&#8217;t complete right away (see below about online gift card purchases).<br />
Store purchases should be fine until the last day of the quarter. If the card is charged by the final day of the quarter, <a target="_blank" href="https://www.reddit.com/r/churning/comments/1ntd5gs/news_and_updates_thread_september_29_2025/ngv20x3/">the credit for prior quarter should work</a> even if the charge only settles/reflects on the next day or next business day.<br />
Note: Occasionally purchases made in the final few hours can have issues. We&#8217;ve also <a href="https://www.doctorofcredit.com/maximizing-the-resy-400-dining-credit-on-american-express-platinum-card/#comment-2159366">heard</a> of slight delays due to tips being added, and so out of caution it could be worth giving one day buffer for the charge to finalize, even for in-store purchases.</li>
</ol>
<h2>Gift Cards, e-Giftcards, Delivery</h2>
<p><strong><span style="font-size: 14pt;">Physical Gift cards</span></strong></p>
<p><strong>Gift cards</strong>: The <a target="_blank" href="https://global.americanexpress.com/card-benefits/detail/400-resy-credit/platinum#">terms</a> exclude gift cards from earning the $100 credit. In practice, physical gift cards purchased at Resy restaurants have been working to trigger the $100 credit. This is hugely helpful since you can get credits at the local restaurant, and then dine at your convenience, not tied to the quarterly credit schedule.</p>
<p><strong><span style="font-size: 14pt;">e-Giftcards &amp; Delivery Orders</span></strong></p>
<p>Buying a gift card from a restaurant in their online system or ordering food for online delivery is tricker since it depends how the restaurant codes the purchase. For example, some restaurants route their e-gift card purchases through Cashstar which won&#8217;t work to trigger the Resy credit.&nbsp;</p>
<p><span style="text-decoration: underline;">The advice widely given is the following: If the checkout goes through the Toast checkout system then it will likely work to trigger the Resy credit.</span></p>
<p>Here is an example with a random restaurant in New York called Canoe Hill:</p>
<ul>
<li>First I found the Canoe Hill restaurant <a target="_blank" href="https://resy.com/cities/millbrook-ny/venues/canoe-hill?date=2025-09-29&amp;seats=2&amp;query=canoe%20hill">on the Resy.com website.&nbsp;</a></li>
<li>Then I went to <a target="_blank" href="https://www.canoehillny.com/">canoehillny.com</a> and clicked &#8216;Purchase Gift Cards&#8217;. It brings me to the following webpage: https://order.toasttab.com/egiftcards/canoe-hill. That should work to trigger the Resy credit.&nbsp;</li>
<li>I also clicked &#8216;Order Take Out&#8217; and it brings me to the following webpage: https://order.toasttab.com/online/canoe-hill. That should work to trigger the Resy credit.&nbsp;</li>
</ul>
<p>To be safe, start with a small e-gift card purchase and see if the credit tracks. Tip: you can top-up an old Toast gift card instead of buying a new one. That makes it easier to have all of your balances on one card.</p>
<p><a target="_blank" href="https://useyourcredits.com/maps/resy/"><strong>Useyourcredits.com</strong></a>:<span style="text-decoration: underline;"> The site<a target="_blank" href="https://useyourcredits.com/maps/resy/"> Useyourcredits.com</a> is hugely helpful for finding eligible restaurants, and more specifically for finding which restaurants should work for buying an e-gift card online and getting the credit. </span>It&#8217;s always worth double-checking on Resy.com directly before using.&nbsp;</p>
<p>With all these things &#8211; YMMV. There have been sporadic reports of online Toast gift cards not working to trigger the credit. And other kinds of errors, like getting redirected to a different branch of the same restaurant which was not eligible. Try double-checking all the details, and possibly making a small purchase first, e.g. buy a $25 e-gift card and then top up the rest when you see it working.&nbsp;</p>
<h2>Maximizing The $100 Resy Credit</h2>
<ol>
<li><strong>InKind</strong>: inKind is a dining program whereby you buy blocks of credit toward any inKind parter restaurant, often at steep discounts. Essentially you front-load you spend in chunks with inKind and they often give nice discounts for doing so (e.g. pay $100 for $150 in restaurant credits). Check for inKind deals<a href="https://www.doctorofcredit.com/tag/inkind/"> at this DoC tag.</a> I&#8217;ve heard that there is some overlap of restaurants who on both Resy and inKind. <span style="text-decoration: underline;">Do not use your AmEx Platinum card to buy inKind credits as that won&#8217;t trigger the Resy credit</span>. But the waiter should be able to split your dining charge between your AmEx Platinum card and inKind. For example, if you dined out for $500, ask the waiter to put $100 on your Platinum card and pay the remaining $400 with your inKind balance which you purchased at a discount.
<ul>
<li>Interesting note: <a href="https://www.doctorofcredit.com/maximizing-the-resy-400-dining-credit-on-american-express-platinum-card/#comment-2155991">readers tell us</a> that <em>the tip (only)</em> on your inKind purchase actually gets processed via the restaurant&#8217;s own system and shows up as the restaurant charge, not through inKind. Readers <a href="https://www.doctorofcredit.com/maximizing-the-resy-400-dining-credit-on-american-express-platinum-card/#comment-2155991">have</a> <a href="https://www.doctorofcredit.com/maximizing-the-resy-400-dining-credit-on-american-express-platinum-card/#comment-2155992">successfully</a> gotten their AmEx Resy credit reimbursement by paying their inKind <em>tip</em> with their Amex Platinum card.</li>
</ul>
</li>
<li><b>Dining Programs: </b>There are lots of card-link dining programs whereby you link your card and then get rewards or cashback when spending at select restaurants. Many of the Resy restaurants also participate in these in-store card-link rewards programs. Some <a target="_blank" href="https://www.reddit.com/r/churning/comments/1nqwghr/news_and_updates_thread_september_26_2025/ngb0266/">mention</a> finding overlap between <a href="https://www.doctorofcredit.com/franki-the-cash-back-restaurant-app/">Franki</a>,<a target="_blank" href="https://www.rakuten.com/dining"> Rakuten Dining</a>, Seated, Bilt, and more. Often you have to choose only one of these rewards programs as they use the same back-end and won&#8217;t let you enroll in both. Our post, <a href="https://www.doctorofcredit.com/complete-list-card-linked-store-reward-programs/">Complete List of Card-Linked Reward Programs</a> gives a good overview of some of the options (though the post is dated &#8211; update coming soon hopefully).&nbsp;</li>
<li><strong>Stacking Tracker:</strong> <a target="_blank" href="https://www.nextcard.com/tools/dining-rewards-map">Here&#8217;s a cool website</a> with a map of eligible restaurants, along with stacking options of Exclusive Tables, Resy, InKind, Bilt Neighborhood and more. <a target="_blank" href="https://www.nextcard.com/tools/dining-rewards-map?sources=csr,inkind&amp;city=new-york-city-ny">Here is a sample link</a> of restaurants in New York which are on Resy, Chase Exclusive Tables, and inKind &#8211; modify the filters per your needs.&nbsp;</li>
<li><strong>Deals</strong>: Check this DoC tag <a href="https://www.doctorofcredit.com/tag/resy/">#resy</a> to see if there are any relevant deals on Resy to stack with the credit.</li>
<li><strong>Local Deals:</strong> Check around the eligible restaurants in your area to see if they have any specials or certain times-of-day with special deals or other types of coupons or gift card deals.</li>
<li><strong>Cashing Out the credit:</strong> You can try cashing out the $100 credit by purchasing a gift card to a local restaurant and selling it to a friend who dines there. Or work out a deal with a friend who dines at one of the Resy restaurants.</li>
<li><strong>Other options:</strong> If you don&#8217;t like dining out, some mention buying bottles of wine from a local restaurant to bring home. Or send a friend an e-gift card<em> (see the gift card section, above).</em>&nbsp;</li>
<li><strong>Double-dip with card signup:</strong> When you signup for the Platinum card, you can usually get five $100 credits within the first year. For example, if you apply during November, you&#8217;ll get the Q4 credit of that year and then the the Q1-Q4 credits of the following year. If you really hone in on timing, it&#8217;s possible to get six $100 credits by applying in the middle of the final month of the quarter (March, June, September, or December), and then keeping the card for a few weeks after the annual fee posts. People often like applying in December to try triple-dipping on the various annual credits that align with the calendar year, and doing so can work to squeeze in one more $100 Resy credit as well. (Even if you cancel the card before the charge posts completely<a href="https://www.doctorofcredit.com/amex-platinum-cardholders-use-75-lululemon-and-100-resy-credit-before-september-30th/#comment-2148466"> you are still likely to get the $100 credit.</a>)</li>
<li>Let us know what we&#8217;re missing.&nbsp;</li>
</ol>
<p><strong>Related:</strong></p>
<ul>
<li><a href="https://www.doctorofcredit.com/maximizing-the-lululmen-300-credit-on-american-express-platinum/">Maximizing The Lululemon $300 Credit On American Express Platinum Card</a></li>
<li><a href="https://www.doctorofcredit.com/maximizing-the-300-dining-credit-with-chase-sapphire-reserve-exclusive-tables/">Maximizing The $300 Dining Credit With Chase Sapphire Reserve Exclusive Tables</a></li>
<li><a href="https://www.doctorofcredit.com/maximizing-the-stubhub-300-credit-on-chase-sapphire-reserve-card/">Maximizing The StubHub $300 Credit On Chase Sapphire Reserve Card</a></li>
<li><a href="https://www.doctorofcredit.com/maximizing-the-200-blacklane-credit-on-citi-strata-elite/">Maximizing the $200 Blacklane Credit on Citi Strata Elite</a></li>
</ul>
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		<title>Breeze Airways: 20% Off Base Price With Promo Code PLANIT</title>
		<link>https://www.doctorofcredit.com/breeze-airways-20-off-base-price-with-promo-code-planit/</link>
					<comments>https://www.doctorofcredit.com/breeze-airways-20-off-base-price-with-promo-code-planit/#respond</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 21:17:30 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[breeze airways]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256427?d=20260414</guid>

					<description><![CDATA[Breeze Airways is offering 20% off when you use promo code PLANIT]]></description>
										<content:encoded><![CDATA[<h2><span id="The_Offer">The Offer</span></h2>
<p><a href="https://www.flybreeze.com/page/promo-terms-and-conditions" target="_blank" rel="noopener">Direct link to offer</a></p>
<ul>
<li>Breeze Airways is offering 20% off when you use promo code PLANIT
<ul>
<li>Valid on flights Monday through Thursday round-trip flights.</li>
<li>Book by April 16, 2026 (11:59 pm PT)</li>
<li>Travel from March 16 through September 15, 2026</li>
<li>Excludes&nbsp;travel from November 19, 2026, through November 30, 2026, and from December 17, 2026, through January 5, 2027</li>
</ul>
</li>
</ul>
<h2><span id="Our_Verdict">Our Verdict</span></h2>
<p>Discount applies to the base fare only and not taxes/fees. Breeze seems to be offering progressively lower discounts.&nbsp;</p>
<p style="text-align: right;">Hat tip to <a target="_blank" href="https://frequentmiler.com/breeze-airways-promo/">FM</a></p>
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		<title>Citi $325/$500/$1,500 Checking Bonus</title>
		<link>https://www.doctorofcredit.com/citi-300-checking-bonus/</link>
					<comments>https://www.doctorofcredit.com/citi-300-checking-bonus/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 21:10:02 +0000</pubDate>
				<category><![CDATA[Bank Accounts]]></category>
		<category><![CDATA[direct deposit required]]></category>
		<category><![CDATA[nationwide bank bonuses]]></category>
		<category><![CDATA[no credit card funding]]></category>
		<category><![CDATA[soft pull]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=219224?d=20260414</guid>

					<description><![CDATA[Citi is offering a $300 checking bonus when you open a new checking account and complete the following requirements]]></description>
										<content:encoded><![CDATA[<p>Update 4/14/26: Deal has been extended to 10/26/26. Unfortunately the $750 tier has been reduced to only $500.</p>
<p>Update 1/13/26: Extended until 04/13/26, but $425 option is gone. Updated F.A.Q section with more information about savings stack and Citigold.&nbsp;</p>
<p>Update 1/6/26: I&#8217;ve tried to fully refresh this page with a F.A.Q section and referral information as well as state differences. Current version is set to end on <strong>1/12/26</strong>. Unclear if the same bonus will return or a better/worse version. If somebody wants to do a walk through of things like timing the increased savings rate/citi gold benefits I&#8217;m sure it would be greatly appreciated.&nbsp;</p>
<p><strong>Offer at a glance</strong></p>
<ul>
<li><strong>Maximum bonus amount:&nbsp;</strong>$300</li>
<li><strong>Availability:&nbsp;</strong>Nationwide</li>
<li><strong>Direct deposit required:&nbsp;</strong><a href="https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Citibank">Yes, $3,000+</a></li>
<li><strong>Additional requirements:&nbsp;</strong>See below</li>
<li><strong>Hard/soft pull:&nbsp;</strong><a href="https://www.doctorofcredit.com/bank-accounts/is-opening-a-bank-account-a-soft-or-hard-pull/#Citibank" data-wpel-link="internal">Soft pull</a></li>
<li><strong>ChexSystems:&nbsp;</strong><a href="https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/#Citi" data-wpel-link="internal">Yes</a></li>
<li><strong>Credit card funding:&nbsp;</strong><a href="https://www.doctorofcredit.com/citibank-credit-card-funding-appears-to-be-dead/" data-wpel-link="internal">None, but can fund up to $1,000 with a debit card</a></li>
<li><strong>Monthly fees:&nbsp;</strong>$12, avoidable</li>
<li><strong>Early account termination fee:&nbsp;</strong>None</li>
<li><strong>Household limit:&nbsp;</strong>None listed</li>
<li><strong>Expiration date:&nbsp;</strong>7/8/24</li>
</ul>
<h2>The Offer</h2>
<p style="padding-left: 30px;">Direct link to offers: <a target="_blank" href="https://banking.citi.com/cbol/OM/checking/choice/featured-offers/default.htm">$325/$425 | $500/$1500</a> (if links don&#8217;t work try opening in incognito)</p>
<ul>
<li>Citi is offering a variety of checking bonuses.
<ul>
<li>$325<del>/$425</del> checking bonus&nbsp;&nbsp;
<ul>
<li>Open a new eligible Citi® Checking account with Enhanced Direct Deposits, and enroll in this offer by applying directly from this page.</li>
<li>Deposit at least two (2) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal
<ul>
<li>$3,000 or more for the $325 bonus</li>
<li><del>$6,000+ for $425 bonus</del>&nbsp;</li>
</ul>
</li>
</ul>
</li>
<li><del>$750</del> $500/$1,500 checking bonus when you&nbsp;
<ul>
<li>Deposit New-to-Citibank Funds into your checking account within 45 calendar days from account opening.</li>
<li>Maintain the required minimum balance in your Regular Checking account for an additional 45 days from the 46th day</li>
<li><strong>$30,000 minimum balance for $500 bonus&nbsp;</strong></li>
<li><strong>$200,000 minimum balance for $1,500 bonus</strong></li>
</ul>
</li>
</ul>
</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus.png"><img decoding="async" class="aligncenter size-large wp-image-256425" src="https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus-1024x601.png" alt="" width="810" height="475" srcset="https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus-1024x601.png 1024w, https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus-300x176.png 300w, https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus-768x451.png 768w, https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus-810x476.png 810w, https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus-1140x670.png 1140w, https://www.doctorofcredit.com/wp-content/uploads/2026/01/citi-checking-bonus.png 1459w" sizes="(max-width: 810px) 100vw, 810px" /></a></p>
<p>&nbsp;</p>
<h2>The Fine Print</h2>
<ul>
<li>An EDD is an electronic deposit through the Automated Clearing House (“ACH”) Network of payroll, pension, social security, government benefits and other payments to your checking or savings account. An Enhanced Direct Deposit also includes all deposits via Zelle® and other P2P payments when made via ACH using providers such as Venmo or PayPal. Teller deposits, cash deposits, check deposits, wire transfers, transfers between Citibank accounts, ATM transfers and deposits, mobile check deposits, and P2P payments using a debit card do not qualify as an Enhanced Direct Deposit. (Note: <a href="https://www.doctorofcredit.com/citi-300-checking-bonus/#comment-1797339">see this comment about Zelle.</a>)</li>
<li>So long as you&nbsp;<strong>have not owned a Citi checking account in the last 365 days</strong>, meet Tax Requirements, and are at least 18 years old, you can apply to participate in the Enhanced Direct Deposit Checking Acquisition Offer (“Enhanced Direct Deposit Offer”) (click the&nbsp;<strong><u>Offer, Product &amp; Pricing Information</u></strong> link at the top of the fine print to see this)</li>
<li>All bank account bonuses are treated as income/interest and as such you have to pay taxes on them</li>
</ul>
<h2>Avoiding Fees</h2>
<h3>Monthly Fees</h3>
<p>Regular &amp; Access Checking fee waived:</p>
<ul>
<li><del>in the month of account opening and for 3 months after account opening or</del></li>
<li>each month the account has $250+ in Enhanced Direct Deposits</li>
</ul>
<h3><span id="Early_Account_Termination_Fee">Early Account Termination Fee</span></h3>
<p>In the past, Citi has not charged any ETF, and none is mentioned for this offer.</p>
<h2>Referral Bonus&nbsp;</h2>
<p>You can refer people and if they sign up and complete the requirements you will get $100. The person being referred <strong>does not</strong> get an additional bonus, but they will get the standard bonus (e.g $325/$750/$1,500). Please do not share your referrals in the comments below, but <a href="https://www.doctorofcredit.com/share-your-citi-referrals-links-here/">you can use them in this linked thread</a>.&nbsp;</p>
<h2>Our Verdict</h2>
<p>In some states (NY, CT, NJ, DC, VA, MD, CA, or NV) it&#8217;s possible to make the deposit bonus offer ($750/$1,500) significantly better by opening a savings account and linking it within 10 days of the checking account. Currently you can get 3.5% APY for the first three months. If you do the $200,000 deposit offer you are also eligible for Citi gold. <a href="https://www.doctorofcredit.com/citibank-lunar-new-year-promotion-stack-with-citi-personal-business-deals/">Will stack with the Lunar new year promotion as well</a>.&nbsp;</p>
<p>For a lot of readers the $325/$450 offers will be far simpler. We will add it to <a href="https://www.doctorofcredit.com/best-bank-account-bonuses/">our best bank bonus page</a>. You can see the definition of an enhanced direct deposit <a target="_blank" href="https://www.citi.com/banking/enhanced-direct-deposit">here</a>.&nbsp;</p>
<p>Useful posts regarding bank bonuses:</p>
<ul>
<li><a href="https://www.doctorofcredit.com/a-beginners-guide-to-bank-account-bonuses/">A Beginners Guide To Bank Account Bonuses</a></li>
<li><a href="https://www.doctorofcredit.com/bank-account-quick-reference-table/">Bank Account Quick Reference Table (Spreadsheet)</a> (very useful for sorting bonuses by different parameters)</li>
<li><a href="https://www.doctorofcredit.com/dont-call-the-bank/">PSA: Don’t Call The Bank</a></li>
<li><a href="https://www.doctorofcredit.com/an-introduction-to-chexsystems-inc/">Introduction To ChexSystems</a></li>
<li><a href="https://www.doctorofcredit.com/banks-credit-unions-chexsystems-inquiry-sensitive/">Banks &amp; Credit Unions That Are ChexSystems Inquiry Sensitive</a></li>
<li><a href="https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/">What Banks &amp; Credit Unions Do/Don’t Pull ChexSystems?</a></li>
<li><a href="https://www.doctorofcredit.com/how-to-use-our-direct-deposit-page-for-bank-bonuses-page/">How To Use Our Direct Deposit Page For Bank Bonuses Page</a></li>
<li><a href="https://www.doctorofcredit.com/common-bank-bonus-misconceptions-why-you-should-give-them-a-go/">Common Bank Bonus Misconceptions + Why You Should Give Them A Go</a></li>
<li><a href="https://www.doctorofcredit.com/how-many-bank-accounts-can-i-safely-open-within-a-year-for-bank-bonus-purposes/">How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?</a></li>
<li><a href="https://www.doctorofcredit.com/affiliate-links-bank-bonuses-we-wont-be-using-them/">Affiliate Links &amp; Bank Bonuses – We Won’t Be Using Them</a></li>
<li><a href="https://www.doctorofcredit.com/complete-list-of-ways-to-close-bank-accounts-at-each-bank/">Complete List Of Ways To Close Bank Accounts At Each Bank</a></li>
<li><a href="https://www.doctorofcredit.com/banks-allowdont-allow-state-checking-applications/">Banks That Allow/Don&#8217;t Allow Out Of State Checking Applications</a></li>
<li><a href="https://www.doctorofcredit.com/bank-bonus-posting-times/">Bank Bonus Posting Times</a></li>
</ul>
<h2>F.A.Q&#8217;s</h2>
<p>Big thanks to Gadget for helping me with this.&nbsp;</p>
<h3>I can&#8217;t see the offer? Has it expired?</h3>
<p>Probably not, if the offer isn&#8217;t showing for you then you need to try the following:</p>
<ul>
<li>Copy &amp; paste the link rather than clicking the link</li>
<li>Clear your cache and try the above</li>
<li>Copy and paste the link in incognito mode</li>
</ul>
<h3>I can&#8217;t see where it says you can&#8217;t have had an account within the past 365 days?</h3>
<ul>
<li>Look for the link that says &#8216;Offer&#8217; and click it. Name of the link sometimes changes but you should be able to find it.</li>
<li>Scroll down to &#8216;Qualify&#8217;, it should state the following: &#8220;So long as you have not owned a Citi checking account in the last 365 days, meet Tax Requirements, and are at least 18 years old, you can apply to participate in the Enhanced Direct Deposit Checking Acquisition Offer (“Enhanced Direct Deposit Offer”).&#8221;</li>
</ul>
<h3>Is there an offer tracker?</h3>
<p>Yes, there is an offer tracker but not everybody sees it unfortunately.</p>
<ul>
<li>You need to use the Citi app:
<ul>
<li><strong>Services &gt; Rewards &amp; Upgrades &gt; Explore Rewards &gt;&nbsp;</strong><strong>Select the checking account.</strong></li>
<li>Scroll to <strong>Citi Checking Cash Bonus Offer – ???</strong>&nbsp;(??? being the last 3 of the account number)</li>
<li>After a day of account opening you should see &#8220;<strong>Congratulations, You’re Enrolled!&#8221;</strong>
<ul>
<li>The $325/$425 offer has number of EDD’s completed, and totals.</li>
<li>The $750/$1500 offer has the exact dates you must meet &amp; maintain the balance.</li>
</ul>
</li>
</ul>
</li>
<li>Can also try online &#8216;Explore all the benefits of being a Citibank® customer, “Learn more”</li>
</ul>
<h3>How do I stack with the 3.5% savings account?</h3>
<p>Firstly this offer is only available in certain states (most likely NY, CT, NJ, DC, VA, MD, CA, or NV but might be more). You then need to do the following:</p>
<ul>
<li>Open checking account from promo page above</li>
<li>Fund with a small amount</li>
<li>Open the savings account using the <a target="_blank" href="https://banking.citi.com/cbol/savings-promotion/featured-offer/default.htm?open=online">savings promo link</a>. This needs to be done after the checking account is opened but within 45 calendar days.&nbsp;</li>
<li>Fully fund savings account within 10 business days of opening it&nbsp;</li>
</ul>
<p>Optimal time to open the savings account is as close to the 45 calendar days as possible assuming the funds are earning more than 3.5% APY elsewhere (<a href="https://www.doctorofcredit.com/high-interest-savings-to-get/">best savings rates here</a>). I would give yourself significant grace time in case something goes wrong.&nbsp;</p>
<h3>How do I access the Citigold benefits?</h3>
<p>Some people have been able to sign up for Citigold while doing this promotion and get the benefits for three months without depositing $200,000. You find can find a list of the benefits <a href="https://www.doctorofcredit.com/citigold-adds-200-annual-benefit-for-subscriptions-to-amazon-prime-costco-spotify-audible-hulu-tsa-precheck-or-global-entry">here</a>. You need to activate your debit card before being able to access the Citigold benefits, you can enroll for the benefits here: <a target="_blank" href="https://citigold.citi.com/subscriptions">https://citigold.citi.com/subscriptions</a>.&nbsp;</p>
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		<title>[In Process] White House Considering Requiring Proof Of Citizenship For Bank Accounts</title>
		<link>https://www.doctorofcredit.com/white-house-considering-requiring-proof-of-citizenship-for-bank-accounts/</link>
					<comments>https://www.doctorofcredit.com/white-house-considering-requiring-proof-of-citizenship-for-bank-accounts/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 20:53:54 +0000</pubDate>
				<category><![CDATA[Uncategorized]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=253570?d=20260414</guid>

					<description><![CDATA[The Trump Administration is considering requiring banks to collect proof of citizenship (e.g passports) according to WSJ &#038; Semafor]]></description>
										<content:encoded><![CDATA[<p>Update 4/14/26: This is <a target="_blank" href="https://thehill.com/homenews/administration/5830266-trump-executive-order-banking-system-citizenship/">reportedly</a> in process with Scott Bessent saying that a proposed executive order that would require banks to collect this information is &#8220;in process&#8221;.&nbsp;</p>
<p>Original post: 2/24/26: The Trump Administration is considering requiring banks to collect proof of citizenship (e.g passports) according to <a target="_blank" href="https://www.wsj.com/politics/policy/trump-administration-considers-action-requiring-banks-to-collect-citizenship-info-8e26f6d2">WSJ</a> &amp; <a target="_blank" href="https://www.semafor.com/article/02/24/2026/trump-administration-weighs-citizenship-requirement-for-bank-account-holders">Semafor</a>. If implement the policy would be retroactive meaning banks would need to collect this information from existing accountholders. The order would be via president order, not legislation.&nbsp;</p>
<p>Financial institutions have already pushed back on the news saying that it&#8217;s unworkable, with many account holders not having this information on hand. I assume nothing will actually come from this and some other concession will be given instead. For example <a href="https://www.doctorofcredit.com/president-trump-calls-for-10-cap-on-credit-card-interest-rates/">President Trump called for a cap on credit card interest rates of 10%</a>, then <a href="https://www.doctorofcredit.com/visa-to-allow-rewards-to-be-deposited-into-trump-accounts/">Visa said rewards would be able to be deposited into so called &#8216;Trump Accounts&#8217;</a> and we haven&#8217;t heard much about interest rate caps again.&nbsp;</p>
<p>Additional document requirements would likely be costly for financial institutions as well, this could erode <a href="https://www.doctorofcredit.com/best-bank-account-bonuses/">bank account bonuses</a>, remove benefits and increase fees.&nbsp;</p>
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		<title>Sprouts: Free 6 Pack Of Sanzo Via Social Nature Rebate</title>
		<link>https://www.doctorofcredit.com/sprouts-free-6-pack-of-sanzo-via-social-nature-rebate/</link>
					<comments>https://www.doctorofcredit.com/sprouts-free-6-pack-of-sanzo-via-social-nature-rebate/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 20:39:44 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[free drinks]]></category>
		<category><![CDATA[freebies]]></category>
		<category><![CDATA[social nature]]></category>
		<category><![CDATA[sprouts]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256415?d=20260414</guid>

					<description><![CDATA[You can get a free 6 pack after rebate from Social Nature at Sprouts]]></description>
										<content:encoded><![CDATA[<h2>The Offer</h2>
<ul>
<li>You can get a free 6 pack after rebate from Social Nature at Sprouts</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2026/04/social-nature.png"><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-256416" src="https://www.doctorofcredit.com/wp-content/uploads/2026/04/social-nature.png" alt="" width="325" height="561" srcset="https://www.doctorofcredit.com/wp-content/uploads/2026/04/social-nature.png 325w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/social-nature-174x300.png 174w" sizes="auto, (max-width: 325px) 100vw, 325px" /></a></p>
<h2>Our Verdict</h2>
<p>Free is free.&nbsp;</p>
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		<title>Chase Offers/BofA: 10% Back On Best Western ($32 Maximum)</title>
		<link>https://www.doctorofcredit.com/chase-offers-bofa-10-back-on-best-western-29-maximum/</link>
					<comments>https://www.doctorofcredit.com/chase-offers-bofa-10-back-on-best-western-29-maximum/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 18:00:28 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[best western]]></category>
		<category><![CDATA[chase offers]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=108272?d=20260414</guid>

					<description><![CDATA[Earn 10% back on you Best Western purchase ($29 back maximum)]]></description>
										<content:encoded><![CDATA[<p>Update 4/14/26: Deal is back through 5/24/26 (ht <a target="_blank" href="https://www.reddit.com/r/churning/comments/1sk5efx/news_and_updates_thread_april_13_2026/og2023z/">RTW34</a>)</p>
<h2><span id="The_Offer">The Offer</span></h2>
<ul>
<li>Earn 10% back on you Best Western purchase when you spend at least $100. Maximum cashback of $32.</li>
<li>A number of banks use the same back end for these offers. This includes: Chase, Bank of America, Regions Bank, Suntrust Bank, BBVA, BB&amp;T, PNC, Columbia Bank, Beneficial Bank, and Christian Community CU.&nbsp;<a href="https://www.doctorofcredit.com/credit-card-offer-portals-share-back-end/" data-wpel-link="internal">You can read this post for more information</a>. Now includes Chase as well.</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2019/02/best-western-1.png"><img loading="lazy" decoding="async" width="1024" height="140" class="aligncenter size-large wp-image-114683" src="https://www.doctorofcredit.com/wp-content/uploads/2019/02/best-western-1-1024x140.png" alt="" srcset="https://www.doctorofcredit.com/wp-content/uploads/2019/02/best-western-1-1024x140.png 1024w, https://www.doctorofcredit.com/wp-content/uploads/2019/02/best-western-1-300x41.png 300w, https://www.doctorofcredit.com/wp-content/uploads/2019/02/best-western-1-768x105.png 768w, https://www.doctorofcredit.com/wp-content/uploads/2019/02/best-western-1.png 1785w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /></a></p>
<p>&nbsp;</p>
<h2><span id="The_Fine_Print">The Fine Print</span></h2>
<ul>
<li>Offer valid one time only</li>
<li>Offer expires 6/1/19</li>
<li>Offer not valid on third party purchases</li>
</ul>
<h2><span id="Our_Verdict">Our Verdict</span></h2>
<p>If your stay is after 6/1/19 then it&#8217;s usually possible to call up and pay in advance and it will trigger the offer.</p>
<p><strong>Post history:</strong></p>
<ul>
<li>Update 2/18/26: Deal is back until March 31, 2026</li>
<li>Update 9/19/24: Deal is back; up to $32 back this time; valid through October 10, 2024</li>
<li>Update 3/3/24: Deal is back and valid until March 30, 2024.</li>
<li>Update 2/2/23: Deal is back and valid until March 1, 2023</li>
<li>Update 12/5/21: Deal is back through January 18, 2022. (Hat tip to <a target="_blank" href="https://frequentmiler.com/best-western-chase-offer-get-10-back-on-100-290-of-spend/">FM</a>) There&#8217;s also an <a href="https://www.doctorofcredit.com/amex-offers-best-western-spend-100-get-25-back/">Amex Offer around now for Best Western as well.</a></li>
<li>Update 10/7/21: Back until 10/25/21</li>
<li>Update 1/2/20: Deal is back and valid until 1/31/20. (ht <a target="_blank" href="https://frequentmiler.boardingarea.com/save-10-on-best-western-stays-with-targeted-chase-offer/">FM</a>)</li>
<li>Update 8/4/19: Deal is back and valid until 9/2/2019.</li>
<li>Update 5/1/19: Deal is back and valid until 6/1/19</li>
</ul>
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			<slash:comments>14</slash:comments>
		
		
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		<title>New I-Bonds Rate Projection: 4.26% APY (Variable 3.36% + Fixed .9%)</title>
		<link>https://www.doctorofcredit.com/new-i-bonds-rate-projection-4-26-apy-variable-3-36-fixed-9/</link>
					<comments>https://www.doctorofcredit.com/new-i-bonds-rate-projection-4-26-apy-variable-3-36-fixed-9/#comments</comments>
		
		<dc:creator><![CDATA[Chuck]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 17:00:47 +0000</pubDate>
				<category><![CDATA[Bank Accounts]]></category>
		<category><![CDATA[bonds]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256411?d=20260414</guid>

					<description><![CDATA[We’ve been reporting on the twice-per-year I Bond rate releases. Via Tipswatch, the new rate for May 2026 through October 2026 is likely to be 4.26% (slightly higher than the Nov2025-April2026 rate of 4.13%). More important is the projected breakdown: The new rate is comprised of 3.36% variable rate, plus a 0.90% fixed rate. I [&#8230;]]]></description>
										<content:encoded><![CDATA[<p><a href="https://www.doctorofcredit.com/tag/bonds/">We’ve been reporting</a> on the twice-per-year I Bond rate releases. Via <a target="_blank" href="https://tipswatch.com/2026/04/12/i-bond-dilemma-buy-in-april-in-may-or-just-keep-waiting/">Tipswatch</a>, the new rate for May 2026 through October 2026 is likely to be 4.26% (slightly higher than<a href="https://www.doctorofcredit.com/new-i-bonds-rate-projection-4-02-apy-variable-3-12-fixed-9/"> the Nov2025-April2026 rate of 4.13%</a>). More important is the projected breakdown: The new rate is comprised of 3.36% variable rate, plus a 0.90% fixed rate.</p>
<h2>I Bonds May &#8211; October 2026</h2>
<p><strong>What this means:</strong></p>
<ul>
<li>If you already own I Bonds and keep them, you’ll get 3.36% interest rate for the six month rate period of May 2026 through October 2026 (plus whatever your fixed rate is from a previous buy, which for some people is zero).</li>
<li>If you buy new I Bonds between May 1, 2026 and October 31, 2026, you’ll get 4.36% for the first six months (3.36% variable + 0.90% fixed). After the six months is over, you’ll get the 0.90% fixed rate added to whatever the future variable rates are at the time.</li>
</ul>
<p><strong>For comparison sake:</strong><a href="https://www.doctorofcredit.com/new-i-bonds-rate-projection-4-02-apy-variable-3-12-fixed-9/"> the current rate which runs November 2025 through April 2026 is 4.03%</a> &#8211; that comes from a .90% fixed rate and 3.13% variable rate.</p>
<h2>Our Verdict</h2>
<p>It could make sense to buy already now in April given that the rate is decent and you&#8217;ll lock in this decent interest rate versus an unknown future rate.&nbsp;</p>
<p>Don&#8217;t forget about the 3-month penalty for those who withdraw in less than 5 years. While 4.26% <a href="https://www.doctorofcredit.com/high-interest-savings-to-get/">isn&#8217;t a bad rate currently</a> &#8211; especially given <a href="https://www.doctorofcredit.com/claiming-your-state-tax-deduction-from-treasury-money-market-funds/">the state tax exemption on I Bonds and treasuries</a> &#8211; if you lose a chunk of it to the 3-month penalty the rate isn&#8217;t as interesting.</p>
<h2><span id="List_of_Past_I-Bonds_Rates">List of Past I-Bonds Rates</span></h2>
<p>For context, here is a review of past I Bond rates that many of us bought into:</p>
<ul>
<li><a href="https://www.doctorofcredit.com/us-treasury-bonds-rate-set-to-increase-to-7-12-rate-i-bonds/">May 2021 through October 2021 – 3.54% (0% fixed rate)</a></li>
<li><a href="https://www.doctorofcredit.com/us-treasury-bonds-rate-set-to-increase-to-7-12-rate-i-bonds/">November 2021 through April 2022 – 7.12% (0% fixed rate)</a></li>
<li><a href="https://www.doctorofcredit.com/u-s-treasury-i-bonds-faq-when-to-buy-10000-i-bonds-april-or-may-and-more/">May 2022 through October 2022 – 9.62% (0% fixed rate)</a></li>
<li><a href="https://www.doctorofcredit.com/treasury-direct-adds-40-fixed-rate-to-i-bonds-on-top-of-6-48/">November 2022 through April 2023 – 6.89% (Variable 6.49% + Fixed .40%)</a></li>
<li><a href="https://www.doctorofcredit.com/new-i-bonds-rate-announced-4-30-3-40-variable-rate-90-fixed-rate/">May 2023 through October 2023 – 4.30% (Variable 3.40% + Fixed .90%)</a></li>
<li><a href="https://www.doctorofcredit.com/new-variable-i-bonds-rate-expected-to-be-3-94-possible-fixed-rate-of-up-to-1-70-for-total-5-64-rate/">November 2023 through April 2024 – 5.27% (Variable 3.97% + Fixed 1.30%)</a></li>
<li><a href="https://www.doctorofcredit.com/upcoming-i-bonds-rate-estimated-at-4-30-apy-variable-fixed-should-you-buy-or-sell-now/">May 2023 through October 2024 &#8211; 4.28% (Variable 2.98% + Fixed 1.30%)</a></li>
<li><a href="https://www.doctorofcredit.com/new-i-bonds-rate-estimated-rate-3-10-apy-variable-fixed/">November 2024 through April 2025 &#8211; 3.11% (Variable 1.91% + Fixed 1.20%)</a></li>
<li><a href="https://www.doctorofcredit.com/new-i-bonds-estimated-rate-3-98-apy-variable-2-88-fixed-1-1/">May 2025 through October 2025 &#8211; 3.98% (Variable 2.88% + Fixed 1.10%)</a></li>
<li><a href="https://www.doctorofcredit.com/new-i-bonds-rate-projection-4-02-apy-variable-3-12-fixed-9/">November 2025 through April 2026 &#8211; 4.03% (Variable 3.13% + Fixed 0.90%)</a></li>
<li>May 2026 through October 2026 &#8211; 4.26% (Variable 3.36% + Fixed .90%)</li>
</ul>
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			<slash:comments>18</slash:comments>
		
		
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		<title>Capital One Rebrands Spark Miles &#038; Spark Miles Select to Venture Business and VentureOne Business (150k Bonus)</title>
		<link>https://www.doctorofcredit.com/capital-one-rebrands-spark-miles-spark-miles-select-to-venture-business-and-ventureone-business/</link>
					<comments>https://www.doctorofcredit.com/capital-one-rebrands-spark-miles-spark-miles-select-to-venture-business-and-ventureone-business/#comments</comments>
		
		<dc:creator><![CDATA[Chuck]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 15:35:35 +0000</pubDate>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[big]]></category>
		<category><![CDATA[capital one]]></category>
		<category><![CDATA[capital one Spark Miles]]></category>
		<category><![CDATA[signup bonus]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256401?d=20260414</guid>

					<description><![CDATA[Capital One announced today the rebranding of their Spark Miles business card ($95 annual fee, 2x everywhere) to become the Venture Business card. And their Spark Miles Select business card (no fee, 1.5x everywhere) to become the VentureOne Business card. There&#8217;s also a new limited-time 150k signup bonus offer on the Venture Business (Spark Miles) [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>Capital One announced today the rebranding of their Spark Miles business card (<a href="https://www.doctorofcredit.com/capital-one-spark-cash-2000-signup-bonus-spark-miles-200000-signup-bonus/">$95 annual fee, 2x everywhere</a>) to become the Venture Business card. And their Spark Miles Select business card (<a href="https://www.doctorofcredit.com/capital-one-business-spark-cash-select-spark-miles-select-increased-signup-bonus-750-50000-no-annual-fee/">no fee, 1.5x everywhere</a>) to become the VentureOne Business card. There&#8217;s also a new limited-time 150k signup bonus offer on the Venture Business (Spark Miles) card and they added two permanent $50 annual credits.&nbsp;</p>
<h2>Card Details</h2>
<p><span style="font-size: 14pt;"><strong>Venture Business</strong></span></p>
<ul>
<li>$95 annual fee</li>
<li>$50 annual Capital One Business Travel credit, applicable to eligible bookings made through Capital One Business Travel</li>
<li>Up to&nbsp;$50 annual advertising or software statement credit&nbsp;on eligible purchases across select categories</li>
<li><strong>Signup bonus: </strong>For a limited time, new Venture Business cardholders can earn up to&nbsp;150,000 miles:&nbsp;75,000 miles when they spend $7,500&nbsp;in the first 3 months, plus an additional&nbsp;75,000 miles when they spend $30,000&nbsp;in the first 6 months.</li>
<li>Card earnings:
<ul>
<li>Unlimited&nbsp;2X miles on every purchase</li>
<li>Unlimited&nbsp;5X miles&nbsp;on hotels and rental cars&nbsp;booked through&nbsp;<u><a target="_blank" href="https://businesstravel.capitalone.com/" data-saferedirecturl="https://www.google.com/url?q=https://businesstravel.capitalone.com/&amp;source=gmail&amp;ust=1776263816462000&amp;usg=AOvVaw3W0FC9Xhuebc5rpGv72Imx">Capital One Business Travel,</a></u>&nbsp;Capital One’s all-in-one business travel management platform</li>
</ul>
</li>
<li>Up to $120 Global Entry/TSA PreCheck credit</li>
</ul>
<p><span style="font-size: 14pt;"><strong>VentureOne Business</strong>&nbsp;</span></p>
<ul>
<li>No annual fee</li>
<li>Unlimited&nbsp;1.5X miles on every purchase&nbsp;with no categories to track or restrictions to manage</li>
<li>Unlimited&nbsp;5X miles on hotels and rental cars&nbsp;booked through&nbsp;<u><a target="_blank" href="https://businesstravel.capitalone.com/" data-saferedirecturl="https://www.google.com/url?q=https://businesstravel.capitalone.com/&amp;source=gmail&amp;ust=1776263816462000&amp;usg=AOvVaw3W0FC9Xhuebc5rpGv72Imx">Capital One Business Travel</a></u></li>
<li><strong>Signup bonus:</strong> 50,000 bonus miles after spending $4,500 in the first three months&nbsp;as a new cardholder.</li>
</ul>
<h2>Our Verdict</h2>
<p>Other than the name change, most of the details are the same.&nbsp;</p>
<ul>
<li>VentureOne Business is the same as Spark Miles Select. Signup bonus is<a href="https://www.doctorofcredit.com/capital-one-business-spark-cash-select-spark-miles-select-increased-signup-bonus-750-50000-no-annual-fee/"> the same</a> as before.</li>
<li>Venture Business (Spark Miles) has a number of changes:
<ul>
<li>The $95 fee on the Venture Business is not waived for the first year, like it used to be on the Spark Miles.</li>
<li>Adds $50 annual Capital One Business Travel credit</li>
<li>Adds $50 annual advertising or software statement credit. This might work for things like ChatGPT and other similar types of charges or subscriptions &#8211; <a href="https://www.doctorofcredit.com/u-s-bank-triple-cash-100-software-credit-what-works-profitable-uses/">see this post.</a></li>
<li>They added a new 150k bonus on the Venture Business $95 card. We once a similar offer on the Spark Miles for 150k after $50k spend. This new lower $30k spend requirement makes the offer much better. Similar <a href="https://www.doctorofcredit.com/capital-one-spark-cash-plus-2000-signup-bonus-30000-spend-required/">$2,000 bonus on the Spark Cash Plus.</a></li>
</ul>
</li>
</ul>
<p>Personally I&#8217;d go for the Venture Business offer,<a href="https://www.doctorofcredit.com/my-american-express-business-platinum-approval-targeted-amex-offer/#Capital_One_Spark_Cash_Plus"> but I assume the bank won&#8217;t approve me.&nbsp;</a></p>
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		<title>AT&#038;T Customers: One Free Coffee Every Week (Panera, Dollop Coffee)</title>
		<link>https://www.doctorofcredit.com/att-customers-one-free-coffee-every-week-panera-dollop-coffee-3-2-4-5/</link>
					<comments>https://www.doctorofcredit.com/att-customers-one-free-coffee-every-week-panera-dollop-coffee-3-2-4-5/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 15:00:59 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[at&t]]></category>
		<category><![CDATA[dollop coffee]]></category>
		<category><![CDATA[free drinks]]></category>
		<category><![CDATA[freebies]]></category>
		<category><![CDATA[panera bread]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=253831?d=20260414</guid>

					<description><![CDATA[AT&#038;T customers can get a free coffee every week from March 2 - April 5, 2026 from either Panera Bread or Dollop Coffee]]></description>
										<content:encoded><![CDATA[<p>Update 4/14/26: Has been extended, not sure on new end date.</p>
<h2>The Offer</h2>
<p style="padding-left: 40px;"><a target="_blank" href="https://andmorebenefits.att.com/root-discovery">Direct link to offer</a></p>
<ul>
<li>AT&amp;T customers can get a free coffee every week from March 2 &#8211; April 5, 2026 from either Panera Bread or Dollop Coffee.&nbsp;</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee.webp"><img loading="lazy" decoding="async" class="aligncenter size-large wp-image-253832" src="https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee-1024x413.webp" alt="" width="810" height="327" srcset="https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee-1024x413.webp 1024w, https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee-300x121.webp 300w, https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee-768x310.webp 768w, https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee-810x326.webp 810w, https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee-1140x459.webp 1140w, https://www.doctorofcredit.com/wp-content/uploads/2026/03/free-coffee.webp 1536w" sizes="auto, (max-width: 810px) 100vw, 810px" /></a></p>
<h2>The Fine Print</h2>
<ul>
<li>Valid from 2 March 2026 12:00am CST to 5 April 2026 11:59pm CST</li>
</ul>
<h2>Our Verdict</h2>
<p>Hard to argue with this price, free is free.&nbsp;</p>
<p style="text-align: right;">Hat tip to <a target="_blank" href="https://dannydealguru.com/free-coffee-for-att-customers/">DDG</a></p>
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		<title>Bilt Adds Transaction Notifications</title>
		<link>https://www.doctorofcredit.com/bilt-adds-transaction-notifcations/</link>
					<comments>https://www.doctorofcredit.com/bilt-adds-transaction-notifcations/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 14:00:53 +0000</pubDate>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[bilt]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256338?d=20260414</guid>

					<description><![CDATA[Bilt has rolled out a new feature to &#8216;close friends&#8217; for testing that allows you to set up notifications/alerts for things like purchases, refunds, foreign transactions and more via push, email or text. Bilt rolled out referrals for close friends and then it was extended to all cardholders ~10 days later. Hopefully these features follow [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>Bilt has rolled out a new feature to &#8216;close friends&#8217; for testing that allows you to set up notifications/alerts for things like purchases, refunds, foreign transactions and more via push, email or text. B<a href="https://www.doctorofcredit.com/bilt-adds-referral-links-earn-2500-points-per-referral/">ilt rolled out referrals for close friends and then it was extended to all cardholders</a> ~10 days later. Hopefully these features follow a similar path.</p>
<p>It was a bit surprising to not see these sort of features at launch, but hopefully this means that the transition woes are somewhat over and adding new features is back.</p>
]]></content:encoded>
					
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			<slash:comments>10</slash:comments>
		
		
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		<title>Ben &#038; Jerry’s: Free Cone Day (4/14/26)</title>
		<link>https://www.doctorofcredit.com/ben-jerrys-free-cone-day-4-16-26/</link>
					<comments>https://www.doctorofcredit.com/ben-jerrys-free-cone-day-4-16-26/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 04:41:49 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[ben & jerry's]]></category>
		<category><![CDATA[free food]]></category>
		<category><![CDATA[freebies]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256359?d=20260414</guid>

					<description><![CDATA[Ben &#038; Jerry’s is offering a free scoop of ice cream on 4/16/26 between noon and 8 pm local time.]]></description>
										<content:encoded><![CDATA[<h2><span id="The_Offer">The Offer</span></h2>
<p><a href="https://www.benjerry.com/scoop-shops/free-cone-day" target="_blank" rel="noopener">Direct Link to offer</a></p>
<ul>
<li>Ben &amp; Jerry’s is offering a free scoop of ice cream on 4/14/26 between noon and 8 pm local time.</li>
</ul>
<p><a href="https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal.png"><img loading="lazy" decoding="async" class="aligncenter size-large wp-image-256360" src="https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-1024x353.png" alt="" width="810" height="279" srcset="https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-1024x353.png 1024w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-300x104.png 300w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-768x265.png 768w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-1536x530.png 1536w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-810x280.png 810w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal-1140x393.png 1140w, https://www.doctorofcredit.com/wp-content/uploads/2026/04/ben-and-jerrys-deal.png 1805w" sizes="auto, (max-width: 810px) 100vw, 810px" /></a></p>
<h2><span id="Our_Verdict">Our Verdict</span></h2>
<p>Free is free. Most locations are usually pure chaos but hard to argue with the price.</p>
]]></content:encoded>
					
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			<slash:comments>13</slash:comments>
		
		
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		<title>United CEO Pitches American Airlines Merger In Meeting With Trump [Sources]</title>
		<link>https://www.doctorofcredit.com/united-ceo-pitches-american-airlines-merger-in-meeting-with-trump-sources/</link>
					<comments>https://www.doctorofcredit.com/united-ceo-pitches-american-airlines-merger-in-meeting-with-trump-sources/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 02:14:13 +0000</pubDate>
				<category><![CDATA[Travel]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=256330?d=20260413</guid>

					<description><![CDATA[United CEO Scott Kirby has pitched a potential merger with American Airlines in a meeting with President Trump in late February according to sources. American Airlines and United are the two largest airlines by capacity according to OAG data. Kirby made the case that a merged United-American would be more competitive on international routes where [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>United CEO Scott Kirby has pitched a <a target="_blank" href="https://www.reuters.com/business/united-airlines-ceo-pitched-possible-combination-with-rival-american-bloomberg-2026-04-13/">potential merger</a> with American Airlines in a meeting with President Trump in late February according to sources. American Airlines and United are the two largest airlines by capacity according to OAG data. Kirby made the case that a merged United-American would be more competitive on international routes where foreign carriers count for 60% of traffic currently.</p>
<p>&nbsp;</p>
]]></content:encoded>
					
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			<slash:comments>90</slash:comments>
		
		
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		<item>
		<title>Befrugal: Shop $25 &#038; Get $5 Bonus</title>
		<link>https://www.doctorofcredit.com/befrugal-shop-25-get-5-bonus/</link>
					<comments>https://www.doctorofcredit.com/befrugal-shop-25-get-5-bonus/#comments</comments>
		
		<dc:creator><![CDATA[William Charles]]></dc:creator>
		<pubDate>Tue, 14 Apr 2026 01:25:02 +0000</pubDate>
				<category><![CDATA[Deals]]></category>
		<category><![CDATA[befrugal]]></category>
		<guid isPermaLink="false">https://www.doctorofcredit.com/?p=234254?d=20260413</guid>

					<description><![CDATA[Make any Cash Back eligible purchase of $25 or more by 1/31/25]]></description>
										<content:encoded><![CDATA[<p>Update 4/13/26: Deal is back until April 17th. Spend $25, get $5 bonus. <a target="_blank" href="https://www.befrugal.com/specialoffer/xuiosurxso/">Link here</a>. Valid on select stores. Hat tip to reader <a href="https://www.doctorofcredit.com/contact-us/#comment-2298930">Chan</a></p>
<p>Update 3/2/26: <a target="_blank" href="https://www.befrugal.com/specialoffer/ixxeiuxrei/">Deal is back at this link</a>, spend $25 and get $4 bonus. Valid until March 6, 2026. There is also a $40 referral bonus currently.&nbsp;</p>
<p>Update 11/24/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/uuxrausxre/">Deal is back at this link</a>, spend $15 from 11/24 through 11/26 and get $3 bonus. Activate first.</p>
<p>Update 10/6/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/syezierooa/">Deal is back at this link</a>, spend $15 &amp; get $3 bonus.&nbsp;</p>
<p>Update 7/29/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/ozoryyeyao/">Available again at this link</a>, this time spend $10 via the BeFrugal mobile app from 8/25-8/28 and get $5 bonus. Might be targeted. (ht Eric)</p>
<p>Update 7/29/25: Available again, this time <a target="_blank" href="https://www.befrugal.com/specialoffer/oiiyioxxsa/?ref=GATNHRG">spend $25 at select stores</a> and get $5 bonus&nbsp;</p>
<p>Update 7/8/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/ssoziyxxeo/?ref=GATNHRG">Available again</a>, this time spend $15 and get $3 bonus</p>
<p>Update 6/23/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/resyuoiroe/?ref=GATNHRG">Available again</a>, this time spend $25 at select stores and get a $5 bonus</p>
<p>Update 6/3/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/eeouuerusi/?ref=GATNHRG">Available again</a>, this time spend $25 at select stores and get a $5 bonus</p>
<p>Update 5/21/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/zaeseyouiu/?ref=GATNHRG">Available again</a>, this time spend $15 and get a $3 bonus</p>
<p>Update 4/28/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/oiyoiyazxi/?ref=GATNHRG">Available again</a>, this time spend $25 at select stores &amp; get $5 bonus. Valid until May 2, 2025</p>
<p>Update 3/3/25: <a target="_blank" href="https://www.befrugal.com/specialoffer/euiraexase/">Available again at this link</a>, this time spend $25 by Mar 7, 2025&nbsp; and get $4 bonus. This is available at all merchants.</p>
<h2><span id="The_Offer">The Offer</span></h2>
<p><a target="_blank" href="https://www.befrugal.com/specialoffer/zaurrasyii/?activate=yes">Direct Link to offer</a></p>
<p>Befrugal shopping portal is offering the following deal:</p>
<ul>
<li>Make any Cash Back eligible purchase of $25 or more by 1/31/25.</li>
</ul>
<h2><span id="Our_Verdict">Our Verdict</span></h2>
<p>Seems to be available forEasy bonus if you have $25 of shopping to do.</p>
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