Chase Tried to Kill a Credit Loophole, Capital One Discover Shutdowns & the $2 Trick Is Dead?!

- **MileProtection - Your hard earned miles deserve protection. Join the waitlist! (sponsored) - https://milestomemories.com/go/mile-protection/** Chase quietly added language to the Sapphire Reserve hotel credit that would have killed a way people were using it, and then just as quietly took it back out. Somebody at JP Morgan even emailed us about the article. There are also targeted Sapphire offers floating around that are better than anything public, including 175,000 points, and if you were shut down by Capital One years ago you may want to go check whether your Discover account is still open. Plus Discover's $2 forgiveness is dead, weird new 48 month language nobody can explain, and a couple of no lifetime language links worth knowing about. Let us know in the comments if you have ever been targeted for one of these offers. **Episode Guide:** - **0:00 Welcome to MTM Travel** - **0:22 Back to School & Raising Polite Kids** - **5:56 The Social Media Cadence Problem** - **7:25 Why Honest Reviews Make People Angry** - **10:48 Chase Changes the Terms, Then Reverses** - **14:02 Targeted Sapphire Offers Up to 175K** - **17:58 Capital One Is Closing Discover Accounts** - **18:15 The $2 Forgiveness Is Gone** - **22:17 Discover's Strange 48 Month Language** - **26:58 First Credit Cards & the Flip-Out Keychain** - **28:37 Thrifty Traveler's 30% Off Sale** - **31:04 Coming Monday: Tokyo & Philippine Airlines** - **31:33 No Lifetime Language Bonvoy Links** - **34:45 Final Thoughts**   **Links** - Thrifty Traveler 30% off ends August 20, 2026 - https://milestomemories.com/go/thrifty-traveler/ - Edit Credit - https://milestomemories.com/chase-updates-terms-for-back-to-back-the-edit-stays/ - Chase targeted card offers up to 175K - https://milestomemories.com/targeted-increased-chase-sapphire-card-offers/ - Cap One shutdowns - https://www.doctorofcredit.com/capital-one-shutdowns-can-cause-discover-shutdowns-ymmv/ - Cap One Discover 48 month language - https://milestomemories.com/discover-48-month-language/ - Amex Marriott no lifetime language - https://milestomemories.com/nll-links-for-amex-marriott-bonvoy-brilliant-and-bevy-cards/ ✈️ 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