# Spirit Credit Card Refunds, Choice Hotels Outsmarted Mark & Discover's Best Ever Offer?!

Page: https://stenobird.com/podcast/mtm-travel-the-fun-side-of-points-travel-251388/spirit-credit-card-refunds-choice-hotels-outsmarted-mark-discover-s-best-ever-offer
Text version: https://stenobird.com/podcast/mtm-travel-the-fun-side-of-points-travel-251388/spirit-credit-card-refunds-choice-hotels-outsmarted-mark-discover-s-best-ever-offer.md
Podcast: [MTM Travel - The Fun Side of Points & Travel!](https://stenobird.com/podcast/mtm-travel-the-fun-side-of-points-travel-251388)
Published: 2026-05-28T13:42:35+00:00
Episode link: https://milestomemories.libsyn.com/spirit-credit-card-refunds-choice-hotels-outsmarted-mark-discovers-best-ever-offer
Audio file: https://dts.podtrac.com/redirect.mp3/pscrb.fm/rss/p/traffic.libsyn.com/secure/milestomemories/MTM_Travel_May_28_26_audio.mp3?dest-id=1462559
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Duration seconds: 1425

## Resource

Bank of America is refunding annual fees for every Spirit credit cardholder and product-changing them into no-fee cards. Mark thought he found a hack in Choice Hotels' gas promo — until Choice's IT outsmarted him. Discover dropped the best welcome offer in its history: $200 after $500 spend, plus double cash back the first year. Then there's the Sapphire Reserve debate — when does pay-yourself-back make the annual fee worth it? What we cover: Spirit credit cardholders get annual fee refunds from Bank of America Choice Hotels gas promo: 8,000 points for a $50 card? Not so fast Discover's best-ever offer: $200 bonus + double cash back = five quarters of 5% Capital One acquiring Discover — could cash back become miles? Rethinking the Sapphire Reserve: when couponing actually works Pay Yourself Back at 1.25 cents and who should keep the card Schwab cashout strategy: turning Membership Rewards into cash Episode Guide: 0:00 - Welcome to MTM Travel 1:01 - Spirit Credit Card Update 5:47 - Choice Hotels Gas Promo 11:17 - Why Discover Card Right Now 16:13 - Rethinking the Sapphire Reserve 22:08 - Spouse Points & Wrap-Up ✈️ Track your travel credit cards for free 📧 Free newsletter 💳 Join our free Facebook group (16,000+ members) 🏆 Diamond Patreon — bonus shows + Slack community 🥇 Gold Membership ($10/mo) 🎧 Subscribe on Apple Podcasts 📖 Miles to Memories website

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