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Tag: BIG

  • CIT Bank $225/$300 Savings Bonus + 3.85% APY; New & Existing Customers ($25k/ $50k Deposit; No Hold Period) – Doctor Of Credit

    Update 9/24/25: Deal is back, APY lowered to 3.85%. If you did the previous PS2025 deal you are not eligible. Hat tip to reader Gadget

    Offer at a glance

    • Maximum bonus amount: $300
    • Availability: Nationwide
    • APY: 3.85% with a deposit of $5,000+
    • Additional requirements: Use promo code and meet deposit threshold
    • Hard/soft pull: Soft
    • ChexSystems: Yes  (comments here suggest they might be Chex sensitive)
    • Credit card funding: None
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: Unknown

    The Offer

    Direct Link to offer

    • CIT Bank is offering a bonus to new or existing customers who transfer over funds. To get the bonus, you have to first signup/enroll using promo code PS2025 and then make one or more deposits in the following 30 days.
      • Transfer over $25,000 in new deposits and get $225.
      • Transfer over $50,000 in new deposits and get $300.

    The Fine Print

    • All funds deposited to qualify for the bonus must be new funds from a source outside CIT Bank. Funds already on deposit with CIT Bank are ineligible.
    • CIT Bank will deposit the qualifying bonus into the customer’s enrolled account within 60-days following the 30-day funding period. The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify.
    • There is a limit of one Platinum Savings promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible. Custodial accounts and Trust Accounts are not eligible.
    • The value of the $225 or $300 bonus will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.

    Avoiding Fees

    Account has no fees to worry about.

    Our Verdict

    This is a nice bonus since the account earns 4.30% which is from the better rates out there, and with this promo you’ll earn an additional $225/$300. I like the flexibility of this offer without any hold period (just have the funds there on Day 30), and I might get in on this one.

    We’ll add this to our List Of Best Bank Bonuses.

    Hat tip to Eric and TJ

    Useful posts regarding bank bonuses:

    Chuck

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  • Chase INK Cash & INK Unlimited: $900/90,000 Points Signup Bonus – Doctor Of Credit

    The Offer

    Direct Link to offer

    • Chase is offering increased signup bonuses via mychasecreditcards.com on the INK Cash and INK Unlimited no-annual-fee cards:
      • Earn $900 Bonus Cash Back after you spend $6,000 on purchases in the first 3 months after account opening.

    Our Verdict

    The regular public offer is 75,000 points with $6,000 spend, and you do have the option of using a referral link to get that offer. This 90,000 points offer ties the best-ever offer on these cards, but is not currently available via referral link, so there is a trade-off here. (Perhaps it’s possible to signup through a referral link and then request a match.)

    You can also go through Rakuten when applying for the INK Unlimited card and get another $25/2,500.

    These are great offers with a relatively low spend requirement for a business card offer. We will add these to our list of the best credit card bonuses

    Hat tip to mra101485

    Chuck

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  • [Rumor] American Express Platinum To Add $300 Lululemon & $400 Resy Credit – Doctor Of Credit

    There is a rumor circulating that the American Express Platinum will add two new credits:

    • $300 in Lululemon credits ($75 per quarter)
    • $400 in Resy credits

    American Express already leaked that the Platinum card will have a new $600 FHR credit ($300 semi annual). There has also been rumors that the Platinum annual fee will increase to $895 and have a mirror finish. I suspect the Lululemon & Resy credits would replace Saks and Equinox credits, but that is just speculation on my part. These new credits with the FHR credit would turn this into a keeper card for me assuming the $895 annual fee is accurate, hopefully it launches with a large sign up bonus/no lifetime language

    William Charles

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  • (Update) Bank of America Atmos Rewards Summit Visa Infinite Card 100,000 Point Bonus – Doctor Of Credit

    Update 8/28/25: you can also get the extra 5,000 points bonus (105,000 total) with the same spend requirement by applying by phone at 800-392-2775 with priority code GAATB2. (ht MEAB)

    The Offer

    Direct link to offer

    • Bank of America has launched the Atmos Rewards Summit Visa Infinite Card with a 100,000 point bonus after $6,000 in spend within 90 days of account opening. Also includes a 25,000-point Global Companion Award

    Card Details

    • Receive a Global 100K Companion Award every year you spend 60,000 or more on purchases in that anniversary year
    • 8 Alaska Lounge passes (a $500+ value) and 8 Wi-Fi passes (a $60+ value) every year (2 of each per calendar quarter). Each pass is valid for your entire travel day and includes entry for up to two accompanying children.
    • A free checked bag and preferred boarding for you and up to six guests on the same reservation when you pay for your flight with your card
    • Receive an exclusive signature cocktail or elevated bar offering every time you visit an Alaska Lounge location (through 2026)
    • Up to a $120 Airport Security Statement Credit every four years in connection with the TSA PreCheck® or Global Entry trusted traveler programs
    • Same-day confirmed change fee waiver (excluding Saver fare)
    • Partner award booking fee waiver — Save up to $25 per person on every roundtrip flight. For a family of four, that’s $100 in savings
    • Travel delay protection — receive a $50 voucher for a same-day cancellation or delays of 2+ hours good for a meal or drink on us at the airport
    • Card earns at the following rates:
      • 3x points on Alaska/Hawaiian purchases
      • 3x points on dining
      • 3x points on foreign transaction purchases
      • 1x points on all other purchases
    • 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
    • 20% back on all Alaska Airlines and Hawaiian Airlines inflight purchases when you pay with your qualifying card
    • 1 status point per $2 spent, and beginning with your first card anniversary, 10,000 status points awarded annually

    Our Verdict

    We’ve known about this card launching for some time, if you signed up for the 500 free miles last year you can also get another 5,000 free miles by applying through a link they will send you. Overall I don’t think this card is a keeper for most people due to the high annual fee, but could be attractive for the initial sign up bonus. The other Alaska cards also have a 80,000 point bonus currently as well. We will add this to our best credit card bonus page. Read these things everybody should know about Bank of America before applying. 

    William Charles

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  • Robinhood Gold: Brokerage Transfer 2% Unlimited Bonus (5-Year Hold) – Doctor Of Credit

    Update 8/27/25: Offer is back for HOOD month, valid 8/26-9/15. There’s also an increased offer for 3% bonus if you include a margin balance of $100,000 or more with an eligible asset transfer.

    The Offer

    Direct Link to offer | Terms

    • Robinhood is offering their Gold members a 2% unlimited bonus on brokerages funds transferred (via ACATS) from another brokerage into Robinhood. The funds then need to remain with Robinhood for 5 years in order for you to keep the bonus.

    You need first signup for Robinhood Gold and then keep it for one year in order to do this bonus; that costs $50.

    The Fine Print

    • Valid March 14 – March 31, 2025.
    • The bonus funds post to Robinhood account immediately after the transfer settles.
    • Market movements don’t impact your bonus, only withdrawals or asset transfers out would cause a bonus removal.
    • For any full or partial account transfer into Robinhood that’s $7,500 or more, Robinhood will reimburse the transfer fees your other brokerage may charge, up to $75 per account type, per brokerage. Contact Robinhood to request a reimbursement.
    • You’ll get a form 1099-MISC for the bonus.

    Our Verdict

    We’ve seen a 1% brokerage transfer bonus from Robinhood with a 2 year hold period, and now they are offering Gold members a 2% bonus with a 5 year hold period. Obviously the 5 year hold period isn’t great for someone who likes chasing brokerage bonus or who isn’t comfortable with Robinhood for the long term. Personally, if I hadn’t done the 1% deal, I’d consider doing this deal and locking up the investments for 5 years.

    Hat tip to reader calwatch

    Related:

    Chuck

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  • Bank of America Alaska Airlines Atmos Rewards Ascent 85k Points – Doctor Of Credit

    The Offer

    Direct link to offer (hat tip to US credit card guide)

    • Bank of America is offering 85,000 Alaska miles and a $99 companion fare after $4,000 in spend within the first 120 days 

    Card Details

    • Annual fee of $95 is not waived
    • Card earns at the following rates:
      • 3x miles per $1 spent on Alaska Airlines tickets, vacation packages, and cargo purchases
      • 2x miles for every $1 spent on eligible gas, cable, streaming services and local transit (includes ride share) purchases
      • 1x miles on all other purchases
    • Free checked bag for you and up to six other passengers on your reservation
    • No foreign transaction fees
    • Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America account
    • Priority boarding benefit
    • 20% back on all Alaska Airlines inflight purchases
    • $100 off an annual Alaska Lounge+ Membership when you pay with your new card
    • Get Alaska’s Famous Companion Fare from $122 ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year
    • This card will not be available to you if you currently have or have had the card in the preceding 24 month period. This does not apply to the business credit card product.

    Our Verdict

    Previously this card was often 70,000 miles or 70,000 miles + $100. This link is supposed to be in flight, but working elsewhere as well. Standard bonus on this card is currently 80,000 miles so this is an extra 5,000 really. Will be added to our best credit card bonuses

    William Charles

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  • (Update) Barclays jetBlue Plus Card – 80,000 Point Bonus – Doctor Of Credit

    Update 8/21/25: There’s a targeted mailer offer with 100k: 50k after $1k spend within 90 days and another 50k after total $6k spend within one year. (ht Ben)

    Update: There is another offer with the annual fee waived first year.

    The Offer

    Direct link to offer

    • Barclays is offering an increased signup bonus on the JetBlue personal card of up to 80,000 miles:
      • Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
      • Earn 20,000 bonus points after spending $6,000 total (extra $5,000 spend) within the first year.

     

    Card Details

    • Full Review Here
    • Card earns at the following rates:
      • 6x points per dollar spent on jetBlue purchases (previously 2x points)
      • 2x points per dollar spent on restaurants and groceries (previously 1x point)
      • 1x points per dollar spent on all other purchases
    • Annual fee of $99 (not waived first year)
    • Free checked bag for the primary cardmember and up to three companions on the same reservation when you use your JetBlue Plus Card to purchase tickets on JetBlue-operated flights
    • Earn 5,000 bonus points every year after your account anniversary
    • Enjoy all Mosaic benefits for one year after you spend $50,000 or more on purchases after your anniversary date
    • Get 10% of your points back every time you redeem to use toward your next redemption
    • No foreign transaction fees
    • $100 statement credit after you purchase a Getaways vacation package with your card
    • 50% savings on eligible inflight purchases including cocktails, food and movies
    • JetBlue award flight prices are linked to the cash price of a ticket

    Our Verdict

    The 80k offer from last year was better due to lower spend requirement, and then we also had the 100k point bonus back in 2021. But this 80k offer is an overall a solid bonus and could be worth doing.

    There’s also a similar offer on the JetBlue business card. We’ll add these both to our list of Best Current Credit Card Signup Bonuses. Check out these Things To Know About Barclay’s Credit Cards before applying. 

    Chuck

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  • Who (or What) Is the Rizzler? A Big Boom FAQ.

    Who (or What) Is the Rizzler? A Big Boom FAQ.

    If you were anywhere within 10 feet of a Wi-Fi connection this week, you may have come across the still image of what appeared to be an unstacked Italian nesting doll of dimples and unconventional shoe choices on the Tonight Show couch of Jimmy Fallon (who was wearing extremely conventional shoes under his desk, I’m sure). What you may or may not have known is that the bodies attached to those shoes belonged to three mega-viral TikTok stars—who are, in fact and importantly, all Italian.

    Todd Owyoung/NBC

    This image, and the interview that went along with it, ripped through the internet like a Costco pizza cutter. First, there was Fallon’s response to his guests, two of whom were children, which ranged from occasional bemusement to borderline tolerance to complete derision for the antics of the TikTok act he had booked on his show. More importantly, there were the optics: Fallon appeared to be hosting the call sheet for a multi-timeline show about a Batman villain. But the final reveal for the uninitiated, which happened entirely post-airing, was what took this piece of the historical record over the edge of virality: This adult man and the two children next to him … who look like the Animorphs book cover of a very specific Italian male species … were not all related.

    The large- and medium-sized gentlemen with the eyes of a husky and the vocal cords of the Cookie Monster and Donald Duck, respectively, are the Costco Guys, a.k.a. AJ Befumo and Big Justice, who are obsessed with two things: bulk shopping and going viral. The littlest one to their left, however, was a little more of a mystery to new audiences. First, there was his vibe: quiet, considering, frequently unsmiling, but seemingly there for a pleasant time. Then there were his shoes: neon green, in constant motion, jutting out horizontally from his body, without so much as a suggestion that they’d ever touch the floor. Because he is a child, you see—even despite immediately establishing himself as a person (a person with the distinct aura of a wise and magical toad, but a person nonetheless) deserving of the utmost respect. He somehow seemed like AJ and Big Justice’s elder and Fallon’s boss. He’s 3 feet tall, 8 years old, and probably learning how to subtract in a third grade classroom as you read this. And his name? Is the Rizzler.

    If you knew none of this, then congratulations—your algorithm is built different. If you knew any of this before the Rizzler started proliferating through social media at large following the Fallon segment, then you are probably a straight white man. The Rizzler may not be related to the people he makes viral videos with, but he certainly has cultural cousins: Hawk Tuah, Baby Gronk, Theo Von. These are words and names that could kill a Victorian child, but words that I know nonetheless. You could call the Rizzler the human Moo Deng … and you could also call him the baby from Dinosaurs. But if you think you’ll make it far on the internet without calling him the Rizzler—you are wrong.

    Yes, visually and spiritually, he’s like if Grogu knew meatball subs existed, but culturally, the Rizzler’s whole bit—other than eating things with two guys who are, again, not related to him—is that he is a child who demands respect. When Fallon asks him to do “the Rizz face” (more on that later), he obliges, I believe, out of the goodness of his heart, and not because he’s a dancing monkey. He does the big booms with AJ and Big Justice because he supports his friends’ ambitions, not because he’s a clown. He offers up that he likes chocolate-covered raisins when Fallon strangely yells at Big Justice, “THEY’RE GOOD FOR YOU!” after Big Justice—a kid—complains about raisins as a Halloween treat. The Rizzler is the head of families he doesn’t even hail from. The Rizzler is an aura bomb, wrapped up in charisma and comic timing, who looks like a Squishmallow and smells like pastrami, but in a good way.

    Or that’s what TikTok would tell you when there aren’t enough reverent words in the English language with which to praise the Rizzler (government name: Christian Joseph). Trying to convey this to a Tonight Show audience who thought they might be seeing Zendaya or Ryan Gosling, or even that young “Brat” woman they’ve been hearing so much about, is a Herculean task that no one at The Tonight Show even attempted. When an internet trend hits the harsh, NBC-studio-scented air of the real world, it’s like seeing a teacher at the mall. Or maybe it’s more like seeing the school mascot at the principal’s desk. Something doesn’t quite feel right, and suddenly everyone is asking questions like “Who got fur in the coffee maker?” and “Why are Jimmy Fallon’s ears bleeding like that?” and “What’s a Rizzler?”

    On the latter, at least, I can help. No small being has sparked this much curiosity with so few answers since your mom started asking you what Moo Deng was. And I’m certainly not trying to pit round things against each other—that’s billiards, and this is actually bigger than that. Because nothing produces more questions and anxiety over where we are as a culture than when the lawless, lore-driven celebrities of social media meet the tidy, media-trained couches of late night television. So for those just catching up, allow me to answer your questions about how the Rizzler got there (other than, again, by possibly being a magically materializing toad). Let’s start with the obvious and most frequently asked question about the Costco Guys and the Rizzler …

    Why doesn’t the big one simply eat the smaller ones to grow stronger and defeat Jimmy Fallon?

    Great question with a not so simple answer: In joining forces, AJ, Big Justice, and the Rizzler have created a viral ecosystem that simply doesn’t work without all of the biotic and abiotic components working in unison. Less scientifically speaking, these three are the holy trinity of BroTok. AJ is God, Big Justice is Jesus Chrst, and the Rizzler is the Holy Spirit that keeps us intrinsically connected to them all.

    AJ, love him or tolerate him, has been trying to go viral or get famous—whichever comes first—since Big Justice was in “larval form,” to quote a TikTok comment lost to time. Before he started vlogging about his family on social media, AJ was a semiprofessional wrestler who went by “American Power Child, Eric Justice.” But he was also, like … making parody songs and putting Big Justice in his “backbling” (a Baby Bjorn, goodness, this lore is deep) to go shopping. Until something finally stuck: Costco. In March, AJ and Big Justice went mega-viral (56.7 million views and counting) for their “We’re Costco Guys” video, and eight months later, they have more than 2 million TikTok followers and their very own Beans (which is to say, an unrelated minor who maybe lives with them).

    The Rizzler is simply a funny kid who seems to like doing characters and bits. It’s a tale as old as time, but whereas I pretended I was a puppy dog for, like, my entire fourth year of life and nothing happened but my parents getting annoyed, the Rizzler went viral precisely this time last year for fully embodying his Black Panther Halloween costume: “Just because I’m Black Panther doesn’t mean I’m going up a ladder! Mommy said it’s dangerous.” As legend goes, Big Justice saw this video and wanted to meet the Rizzler, so he traveled with AJ to New Jersey—shockingly, the Costco Guys are not from New Jersey, but Boca Raton, Florida—and the rest was history …

    But realistically, the degree to which AJ was like, “OK, and what if I just got an even smaller guy and recruited the Rizzler to start making content like he was related to them—something many fans still don’t even realize—is kind of unreal. AJ knew what women decorating homes have always known: Getting the tinier version of something normal-sized is simply more fun. I like tiny bowls because I can put even tinier things in them. And I like the Rizzler because he’s a tiny Big Justice, who is a tiny AJ, and there’s no verifiable proof that they didn’t find an industrial-sized vat of the Substance at Costco that made this all possible.

    But where did the Rizzler get his name? The other day I heard the words “sticking out your gyat for the rizzler” floating from underneath my 13-year-old’s door. Are these two things related?

    Sort of. But also, gross!

    The easiest way to put it is that “rizz” is Gen Alpha slang for “charisma,” and a rizzler is someone who has it in spades. I’ll explain “gyat” just because we’re here, and so you can get your kid to stop listening to that song (but it will never leave your head again, I’m so sorry, it’s like the video from The Ring, you just have to pass it on now). Gyat stands for “girl your ass thick” and is basically a replacement word for “a woman’s butt,” so to stick out your gyat for the rizzler is to show off your behind to attract a charismatic gentleman …

    I don’t want you to talk like this, OK? But you need to know that there are people talking like this, and they are mostly under 5 feet tall, and we need to be able to talk to them! We also need to speak this language to understand that, in a matter of months and with a handful of viral videos, this 8-year-old boy went from being a rizzler to being the Rizzler. According to the lore, the Rizzler’s friends started calling him the name before he even knew what it meant, and he started making the face that’s made him famous—“mewing,” as the kids say, or “Chad face,” as the slightly older kids say—even before that.

    If you were paying close enough attention, you may have noticed that on The Tonight Show, the Rizzler taught Fallon and the Roots how to do the eyebrow raise and lip pursing—but not the signature cheek stroke. Some things are simply proprietary.

    What we all need to understand is that generational talents used to debut on the Disney Channel with a show about being a tween private investigator who has a medical condition that gives them a wolf’s sense of smell. Now those little talents are on TikTok. The idea that they can all make it to The Tonight Show one way or another is as concerning and alarming (for us) and exciting (for the Rizzler and Chloe Wolfe, PI) as ever before!

    But why do people love the Rizzler so much?

    It seems to be one part “he’s so cute, I want to eat him like a Haribo gummy,” a dash of “this kid is just innately weird and funny,” and a heavy pour of “this is a child who I see only on social media that I can assign a character to and have a little fun never knowing whether it’s true.”

    The cuteness is often rolled out in the Rizzler archives—cute home videos from before he was a mononymous internet personality—and the humor is in the content he makes with the Costco Guys and the extended Costco Universe (more on that later). But the character work is going down in the comments, where Rizzler fans observe a mafia-dom-like energy from this itty-bitty Michelin Man. Any suggestion of an insult is met with an insistence on respect for the Rizzler’s name. Any suggestion that perhaps Costco food taste testing isn’t what children should be doing for their after-school snack is met with a stern “The rizzler doesn’t even eat the double chunk chocolate cookies you fucking moron.” And, in general, something about that Fallon interview: The fact that he was at the right hand of the host, the fact that he sat quietly confident as his colleagues fawned and fretted over their big moment, the fact that it was preceded by starring moments at Knicks and Mets games this month—all of this just kind of made it feel like the Rizzler had moved beyond his corner of the internet and into the mainstream.

    And I don’t know what to tell you—the source material is there. I have officially been Rizzler pilled. This third grader simply has the gravitas of Gandolfini or Don Corleone, whether he technically has access to a (toy) horse’s head or not.

    On that note, are we sure this is … a child?

    Does the Rizzler kind of appear to be an adult wearing shoes on his knees like Gary Oldman in Tiptoes? Yes. But by all accounts, that’s just part of his general aura. It’s not, like, an Andy Milonakis situation. (Although I would be fine with the Rizzler getting his own talk show, maybe even just usurping the Tonight Show gig the next time he’s on. He’s the head of the family now, after all.) There is a strong video trail that shows the Rizzler being an actual baby just a few years ago. Which, it also can’t be overstated that after a summer spent getting wildly internet famous, the Rizzler simply … went to third grade.

    Why did it seem like Jimmy Fallon would rather be at a vegan butter-churning festival than play along with the people—two of whom are children—he invited onto his show?

    Pretty rich for ol’ James to be annoyed by childlike behavior from two actual children and their kinda-sorta guardian! At various times throughout the interview, Fallon seemed to roll his eyes or attempt to move on from the kind of bombastic, repetitive clownery the Costco Guys intentionally use in their videos—you know, the kinds of things kids like? The internet astutely pointed out that Jimmy should be careful. By disrespecting him, Jimmy was treading awfully close to turning the Rizzler into the Joker.

    My pet theory is that Fallon didn’t know, until the second the house lights went down and the stage lights came up, that the Rizzler was a child. Just look at the way he looks to the Rizzler for help when AJ and Big Justice bellow out their 20th Big Boom of the night. Also, Jimmy didn’t help the Rizzler when the kid asked him what to do with the licorice that received only two measly booms, and because he was too polite to put it on Jimmy’s desk, he just had to eat it. That is absolutely no way to treat the Rizzler, a person I learned about four days ago.

    Why do they say “BOOM!” like that, though? Is it a sloppy homage to Emeril’s “BAM”?

    You know what, maybe? But sometimes virality really is just as simple as rhyming, and someone like AJ knows that. The Costco Guys invented the “Boom or Doom” scale to rate their Costco findings, immediately abandoned ever “dooming” anything, and resorted to rating everything on a five-boom scale. One boom is no good, three booms is solid, and when something is a home run, it gets “Five! Big! Booms!” The booms must be both verbally and physically performed, and they must be loud (sorry, Jimmy Fallon).

    The booms are more native to the Costco Guys than the Rizzler, but he does participate when called upon and always backs them up when they’re giving big booms, even when Fallon is sighing down his neck a foot away. He’s magnanimous that way.

    Wait, but if AJ isn’t the Rizzler’s dad, who is? Did he spawn from a Costco baby back rib like Adam?

    The Rizzler has parents. His dad is especially present on the Rizzler’s own social media pages, filming and sometimes doing skits alongside him and his little brother (yes, they get even smaller). The Rizzler’s dad even has his own moniker within the Costco Universe: Uncle Savasta.

    Sorry, did you say the Costco Universe?

    I’m suspicious of AJ and where he falls on the scale of “monetizing your children—and also not your children!—to live out your dreams vicariously through them,” but to be honest, I find his laugh while spending time with his child (and not his child!) so genuine that the jury’s still out. Plus, it’s all such a gender bend of the Toddlers & Tiaras mom trope that I’m almost impressed by the subversiveness …

    But I’ll hand this to Costco dad every day of the week: He’s incredible at talent acquisition and world-building. Get this guy out of the amateur wrestling ring and into a Marvel studio. Even before AJ and Big Justice acquired the Rizzler, they’d been branding their entire family and adding newcomers to the Costcoverse. There’s Cousin Angelo, who, like Cousin Olver, seems to be a less preferred member of the crew but who also has an admirer in Vita Coco, which is endlessly funny to me; there’s this guy Makeshift Zach, who gets all the exclusive interviews with the family; and regularly appearing in the videos are MBJ, a.k.a. Mother of Big Justice, and the sister Ashley, who simply goes by Ashley, which I personally find iconic.

    And of course, the Rizzler debuted in the Costco Universe at the beginning of the summer, rating chocolate chip cookies (pronounced exclusively: DUWBA CHUNK CHOCK-LUT COOOOKIE) with the gang. Every member of the Costco Extended Universe gets their own added verse in the viral song “We Bring the Boom”; there’s a line in the Rizzler remix that is funnier and more astute than anything a band of bloggers could ever conjure: We’re like the three ev-o-lutions of a Pok-e-mon.

    Not to start any beef, but at this point, has the Rizzler become bigger than Costco Guys—bigger than any one fictional universe can contain?

    Technically speaking, the Rizzler isn’t bigger than most things. You could roll him up in a ball and save him in your pocket for later, like a jawbreaker.

    But in terms of power and influence—yeah. He’s the Steve Urkel of bro-y TikTok: a guest character brought in to jazz things up who stole the show so completely that you’re pretty sure the show was called Steve Urkel. But I firmly believe that the Rizzler needs the structure and support of the Costco Universe as much as they need his star power.

    Ok, but, is this … bad? Is it bad to enjoy the Rizzler as a sort of funny little internet character who is, in fact, a child who isn’t really in control of his own online presence? Is this going to haunt me? Is this going to become a Baby Gronk situation?

    I assume this tricky final question is payback for telling you about sticking out your gyat for the Rizzler, in which case, I do understand, but wow, what a doozy.

    I’ll say this: The feeling I have when I look at the Rizzler is the same one I have when I see a Shiba Inu puppy. Can you please just stay like this forever? Can you be cute just like THIS forever, even though I know the future thing you’ll be is just as good???

    And for that reason, I would really love for the Rizzler’s parents (and OK, AJ, too) to talk to the Corn Kid’s parents. Remember him? The 7-year-old with a naturally hilarious way of communicating who accidentally got famous on another person’s social media channel? And then he took a few big brand deals, threw a few baseballs, rode on a float in the Macy’s Thanksgiving Day Parade, and then just … went back to school without us ever even learning his last name? Because his mom didn’t want us to know it! And one day, after that kid has hypothetically finished four years of college paid for by one Chipotle ad and the good personality he had when he was 7, if he still wants to be famous, or work for Big Corn, or make viral TikTok videos—he can! (And listen, even with all that care, internet rumors still went viral saying that he died, which Corn Kid had to clear up on Instagram. Which is exactly why it was a good idea for Corn Kid to go back to being just a kid.)

    Fame isn’t linear, and nothing can stay golden forever. Nor can it stay perpetually round and fully detached from the Tonight Show floor. Internet main characters, even the young ones, are like the plucky ingenues of the aughts—we lift them up onto pedestals so high, they can only ever fall from them. And while I feel confident in the Rizzler’s Anne Hathaway–like ability to bounce back, I’d love to see him not have to. I’d love to see the adults around him help him avoid any descent that’s too painful. We’ve learned to respect the Rizzler. Let’s—all of us—keep it that way. Because I certainly don’t wanna find out who gets the horse head first.

    Jodi Walker

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  • Chicago’s Iconic Big Baby Burger Goes Vegan on the South Side

    Chicago’s Iconic Big Baby Burger Goes Vegan on the South Side

    Nicky’s of Beverly is not a vegan restaurant. Since 1997 and across two different locations (three years ago they moved to 105th Street and Western), chef-owner Paul Kostopanagiotou has built a formidable following of carnivorous and plant-based eaters alike. A fast-casual neighborhood spot featuring “elevated street food, the restaurant’s massive menu features everything from salads, smoked brisket, filet mignon sliders, Nashville hot chicken, and even a lobster roll.

    There’s also Nicky’s version of the Big Baby, an underrated Chicago classic that originated in the South Side, featuring twin beef patties with cheese and topped with grilled onions. Ketchup, mustard, and pickles slide under the patties.

    The veganized Big Baby.

    A blue restaurant space.

    Nicky’s has a quite a comfortable space and occassionally hosts live music.

    Nicky’s moved here in 2021.

    Kostopanagiotou sees an opportunity to introduce non-meat eaters to the specialty. On Friday, November 1, Nicky’s will enthusiastically participate in World Vegan Day with a vegan version of the Big Baby featuring Beyond Meat patties and Daiya dairy-free cheddar taking center stage.

    “We’ve been growing the vegan category at the restaurant for years. I just think vegans are a great customer base, and there was a void in the area for that,” Kostopanagiotou says.

    While he’s not a vegan himself (though he and his team do enjoy plant-based dishes), he’s made a point of connecting with plant-based eaters in the community, like the Chicago Southside & South Suburban Vegans. “I know some of the founding members and admins. We lean on them a lot as a partnership, as they have suggestions and recommendations and vegan meetups,” Kostopanagiotou explains.

    Through those contacts, he’s discovered a variety of plant-based producers, like Good2Go Veggie and Chunk Foods, as well as institutions that help animals. That’s where he learned about the Tiny Hooves Sanctuary, a woman-led nonprofit animal sanctuary located across state lines in Union Grove, Wisconsin. The institution focuses on providing a safe haven — a “forever sanctuary,” as their website calls it — to “abandoned, abused, neglected, and unwanted farm animals while inspiring positive change through the human and animal bond.” Kostopanagiotou said he listened to his local vegan friends when they told him, ‘’This is a solid group — you should look into donating to them.’” On Friday, Nicky’s of Beverly will donate a portion of proceeds from all vegan menu items to the Tiny Hooves Sanctuary.

    A bowl of sweet potato fries and a burger.

    The Big Baby is a Chicago classic.

    Italian beef, gyros, and salads are also on the menu.

    The heat lamps can squeeze a little more out of patio season.

    A lot of restaurants will simply throw on a veggie burger, fried cauliflower, or maybe a half-hearted pizza to appease vegan diners who happen to wind up there, but investing in the plant-based portion of his menu is something to which Kostopanagiotou is seriously committed. Nicky’s of Beverly offers close to two dozen vegan items, such as a vegan shrimp po boy, vegan nachos, vegan Buffalo chicken salad, a vegan banh mi, and much more. There’s coconut milk-based peanut butter gelato and even a vegan shake.

    Kostopanagiotou points out that he develops the vegan part of the menu side-by-side with everything else to make sure there’s plenty to enjoy for everyone. “It just continuously expands, and is creative,” he says. “I’m very mindful as I expand the normal menu that I can do that for the vegan menu also.”

    There’s plenty to experience at Nicky’s of Beverly, whether customers like vegan food or not. They also have a weekday happy hour, live music, and a gelato bar.

    Ashok Selvam

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  • Chase IHG Traveler Card (No AF): 100,000 Point Bonus – Doctor Of Credit

    Chase IHG Traveler Card (No AF): 100,000 Point Bonus – Doctor Of Credit

    The Offer

    Direct link to offer

    • Chase IHG Traveler is offering a sign up bonus of 100,000 points after $2,000 in spend within the first three months

    Card Details

    • No annual fee
    • Card earns at the following rates:
      • 5x points per $1 spent on IHG properties
      • 2x points per $1 spent on gas stations, grocery stores and restaurants
      • 1x points per $1 spent on all other purchases
    • Gold elite status when you spend $10,000 on your card each calendar year
    • Fourth Reward Night Free on any stay of 4 or more nights
    • 20% discount when purchasing points

    Our Verdict

    This has been as high as 120,000 points in the past. Not really worth considering the IHG Premier card always has a better bonus (e.g we recently saw five free nights of up to 60,000 points per night).

    William Charles

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  • Chase Partners With DoorDash: Offers DashPass & Monthly Credits To Sapphire Reserve, Preferred, Freedom, Slate Cards – Doctor Of Credit

    Chase Partners With DoorDash: Offers DashPass & Monthly Credits To Sapphire Reserve, Preferred, Freedom, Slate Cards – Doctor Of Credit

    Update 10/24/24: The new credit starting February 2025 is a promo, meaning you can’t stack the credit month to month or with other promos.

    Chase has partnered with DoorDash to offer DashPass and monthly credits to Sapphire Reserve, Sapphire Preferred, Sapphire, Freedom, Freedom Flex, Freedom Unlimited, and Slate cardholders.

    Chase Press Release | DoorDash Press Release

    There are four potential benefits now available, variously on these cards (as we’ll describe more below):

    1. Free DashPass membership through December 31, 2027. (Those who activate the benefit in 2027 will still get a full 12 months of the benefit.)
    2. Two promo discounts of $10 each calendar month will reflect at checkout. This promo will not work on restaurant orders; it only works on grocery, convenience, or other non-restaurant orders on DoorDash. (To activate the promo discount benefit, you need to first activate the free DashPass benefit. After activation, you’ll find the $10 under “Promo codes, rewards & gift cards” at checkout.)
    3. A $5 monthly DoorDash credit which works for all DoorDash purchases. This ends on January 31, 2025.
    4. Beginning February 1, 2025, a new monthly benefit for a $5 discount on restaurant orders on DoorDash.

    Now here’s the breakdown of the benefits by card:

    • Sapphire Reserve cardholders get all four of the above-mentioned benefits. You’ll get DashPass through 2027. And through January 2025, you’ll get one $5 monthly credit which works everywhere and two $10 promo discounts each calendar month which work on non-restaurant orders. Starting February 2025, you’ll get one monthly $5 discount on restaurant orders and two $10 monthly discounts on non-restaurant orders.
    • Sapphire & Sapphire Preferred cardholders get DashPass and the non-restaurant credit. You’ll get DashPass through 2027. And you’ll get one $10 promo discount each calendar month which works on non-restaurant orders.
    • Freedom & Slate cardholders get a DashPass benefit and a quarterly discount benefit. Starting Febaruary 1, 2025, you’ll be able to enroll for six free months of DashPass. (Those who have not yet used the current/previous version of the DashPass benefit on Freedom and Slate cards have until January 31, 2025, to enroll in the current benefit – three months of free membership followed by nine months of discounted DashPass.) And you’ll get one $10 promo discount each quarter which works on non-restaurant orders. (To activate the promo discount benefit, you need to first activate the free DashPass benefit.)

    Our Verdict

    For some time now, DoorDash and Chase partnered to offer DashPass and $5 monthly credits on the Sapphire cards. They’ve now expanded this to add the $10 (2x) credits each month and to offer benefits on Freedom and Slate cards as well. This is obviously Chase’s move to counter-balance the loss of the Instcart benefits offered on Sapphire, Freedom, and Slate cards which expired yesterday (7/31/24).

    This is all a bit confusing since some of these benefits have already existed and some are new. I tried making everything as clear as possible, hopefully we got all the details correctly.

    Some stores will have a Pickup option on the order and then you’ll be able to get $10 completely free without the added delivery fees. For someone who values this benefit, the $95 annual fee on Sapphire Preferred can now be offset with the $10 monthly credits.

    Chuck

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  • [Completed, More To Come, Business Platinum?] American Express Plans To Refresh 40 Credit Cards Globally This Year – Doctor Of Credit

    [Completed, More To Come, Business Platinum?] American Express Plans To Refresh 40 Credit Cards Globally This Year – Doctor Of Credit

    Update 10/22/24: During the Q3 earnings call they stated:

    We have already achieved our plan of refreshing 40 products globally this year, and we expect to do several more by year end.

    I think it’s likely that the Business Platinum will be refreshed soon. Some reddit users found a new design image for the Business Platinum card, but as far as I know that is a placeholder but the html does show ‘

    Q32024-New-Card-Art/SBSPropLend’.

    Original post: During the American Express earnings call today American Express’ CFO Christophe Le Caillec announced that they plan to complete 40 card refreshes globally this year.

    In 2024, we expect to exit the year with some further momentum compared to the current growth supported by continued product innovation and our focus on premium value propositions. We currently have plans to refresh around 40 products globally next year.

    Previously American Express has stated that it wants to refresh charge cards every 3-4 years. The last time the Platinum & Gold card had a major overhaul was 3-4 years ago I think we can expect those cards to be refreshed. This lines up with the Dell/Adobe and Indeed credits having a 2024 end date.

    William Charles

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  • [YMMV, In Branch] Chase Sapphire Preferred: 70,000 Points + $300 Travel Credit Offer – Doctor Of Credit

    [YMMV, In Branch] Chase Sapphire Preferred: 70,000 Points + $300 Travel Credit Offer – Doctor Of Credit

    The Offer

    No direct link to offer, showing via referrals only currently. Find and share referrals in this linked offer.

    • Chase is offering a new sign up bonus on the Chase Sapphire Preferred:
      • Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening
      • Earn an additional 10,000 points (70,000 points) after an additional $2,000 in purchases in your first 3 months from account opening ($6,000 total spend)
      • Plus, get up to $300 in statement credits on Chase Travel purchases within your first year

    Card Details

    • $95 annual fee, not waived
    • No foreign transaction fees
    • Primary car rental insurance
    • $50 Annual Hotel Credit. (This is per cardmember year, rather than calendar year. Must be booked through the Chase Travel Portal.)
    • Card earns at the following rates:
      • 5x on travel booked through the Chase Travel portal.
      • 3x on Dining/Streaming Services/online grocery (excludes: excluding Target, Walmart and
        wholesale clubs)
      • 2x on travel
      • 1x on all other purchases
      • 10% Anniversary point bonus. When you renew your card Chase will offer a 10% bonus spend. For example if you spend $25,000 you’d earn 2,500 bonus points.  This is award after the annual fee is paid. This doesn’t apply to the sign up bonus.
    • Transferable points
    • Redeem points on Chase’s travel portal at a value of 1.25¢ due to the 25% travel redemption bonus
    • Not eligible if you’ve received a sign up bonus on the Sapphire Preferred/Reserve in the last 48 months (standard is now 48 months)
    • Chase 5/24 rule applies to this card

    Our Verdict

    Reader Michael reports this in branch offer. An extra 10,000 points for an extra $2,000 in spend is a good deal for most people, although if you have P2 refer you you’ll be better off with the other offer. We will still add this to the best credit card bonus page and mention it in the other posts.

    William Charles

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  • Chase Hyatt Credit Card: 5 Free Night Certificates (Category 1-4) – Doctor Of Credit

    Chase Hyatt Credit Card: 5 Free Night Certificates (Category 1-4) – Doctor Of Credit

    The Offer

    Direct link to offer

    • Chase is offering a bonus of five free night certificates, good on category 1-4 properties when you spend $4,000 on purchases in the first three months of account opening on the Chase World of Hyatt card.

    Card Basics

    • This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months 
    • Annual fee of $95
    • Card earns at the following rates:
      • 4x points per $1 spent on Hyatt hotels (they advertise this as 9x, but it’s 4x plus the 5x you normally get anyway)
      • 2x points per $1 spent on local transit and commuting (including taxis, mass transit, tolls and ride-share serivces)
      • 2x points per $1 spent on restaurants, cafes and coffee shops
      • 2x points per $1 spent on airline tickets purchased directly from the airlines
      • 2x points per $1 spent on fitness clubs and gym memberships
      • 1x points per $1 spent on all other purchases
    • Receive up to two free nights annually:
      • One free night at any category 1-4 Hyatt property every year after your card member anniversary
      • An additional free night at any category 1-4 Hyatt property if you spend $15,000 during your card member anniversary year
    • Status:
      • World of Hyatt Discoverist status for as long as the card is open
      • 5 qualifying night credits towards your next tier status every year
      • An additional 2 qualifying night credits towards your next tier every time you spend $5,000 on the card (no limit)

    Our Verdict

    Previous best offer was 65,000 points. If you redeemed all five nights on a category four property that would come out to 90,000 points so this bonus is significantly better but you obviously lose the ability to stay at properties category 5 or above. This offer also requires a lot less spend. I think this offer is worth doing if you have a 5/24 spot and will be added to the best credit card bonuses.

    Hat tip to shris420

    William Charles

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  • [Expired] Barclays Hawaiian Business Card 70,000 Points – Doctor Of Credit

    [Expired] Barclays Hawaiian Business Card 70,000 Points – Doctor Of Credit

    I’m an idiot, that link is for the personal not business card. Marked as expired.

    Update 9/19/24: New working link found. Hat tip to reader Casey K

    The Offer

    Direct link to offer

    • Barclays is offering a signup bonus on the business Hawaiian Airlines card for 60,000 miles  when spending $2,000 within 90 days. You get an additional 10,000 miles after a purchase is made on an employee card

    Card Details

    • Annual fee of $99 is not waived the first year
    • Card earns at the following rate:
      • 3x miles on all Hawaiian Airlines purchase
      • 2x Hawaiiamiles on gas, dining and office supply store purchases
      • 1x miles on all other purchases
    • No foreign transaction fees
    • ShareMiles, ability to share miles with friends & family HawaiianAirlines.com
    • Earn up to 40,000 additional miles annually:
      • 20,000 bonus miles after spending $50,000-$99,999 on purchases during your card membership year
      • 40,000 bonus miles after spending $100,000 or more during your card membership year

    Our Verdict

    Best ever offer is 90,000 miles or 80,000 miles + $99 credit. This offer is obviously significantly worse but readers may still consider this offer as Alaska Airlines is acquiring Hawaiian and there is some speculation the loyalty programs will be combined at a 1:1 rate. The nice thing about Barclays business cards is that they don’t report to your personal credit report, so it won’t count towards your 5/24 status. Personal card is also 70,000 miles currently.

    William Charles

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  • Bask Bank $200 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Bask Bank $200 Checking Bonus, Direct Deposit Not Required – Doctor Of Credit

    Offer at a glance

    • Maximum bonus amount: $200
    • Availability: Nationwide
    • Direct deposit required: No
    • Additional requirements: See below
    • Hard/soft pull: Unknown
    • ChexSystems: Unknown
    • Credit card funding: Unknown 
    • Monthly fees: None
    • Early account termination fee: None
    • Household limit: None
    • Expiration date: November 29, 2024

    The Offer

    Direct link to offer

    • Bask Bank is offering a $200 bonus when you open a new checking account. Bonus is broken down as follows:
      • Conduct two (2) electronic Bill Center transactions3 of a combined minimum total of $50, posting each month through March 31, 2025 and receive $50 per month up to $200.

    The Fine Print

    • Must have a new or existing Bask Interest Checking Account by November 29, 2024.
    • Perform qualifying activities between September 2024 and March 2025.
    • Conduct two (2) electronic Bill Center transactions3 of a combined minimum total of $50, posting each month through March 31, 2025.
    • Qualifying participants will receive a $50 cash reward each month1 from September 2024 through March 2025 with continued qualifying activity. The cash reward will be paid to your Bask Interest Checking Account at the close of each statement period after all qualifying activities are met.
    • If one or more of the qualifying activities are not met within a statement period, the cash reward will not be paid for that statement period.
    • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

    Avoiding Fees

    Monthly Fees

    This account has no monthly fees to worry about.

    Early Account Termination Fee

    Unclear if there is any EATF.

    Our Verdict

    Seems like a nice bonus given no direct deposit is required. It’s possible that it’s ChexSystems sensitive, if it’s not I can see this bonus being pulled early due to the popularity of it.

    Hat tip to Gz

    Useful posts regarding bank bonuses:

    William Charles

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  • The Big Winners and Losers of the 2024 Emmys. Plus, ‘Industry’ S3E6.

    The Big Winners and Losers of the 2024 Emmys. Plus, ‘Industry’ S3E6.

    Photo by Kevin Mazur/Getty Images

    Chris and Ryan also dive into the debate on categories at the Emmys

    Chris and Andy recap last night’s Emmys ceremony, discussing how they felt about the overall broadcast itself (1:00) and whether or not it really matters whether The Bear runs in the comedy category (16:28). Then they break down the latest episode of Industry, talking about Harper and Yasmin’s face-off and Eric’s continued downward spiral (40:18).

    Hosts: Chris Ryan and Andy Greenwald
    Producer: Kaya McMullen

    Subscribe: Spotify / Apple Podcasts

    Chris Ryan

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