New rotating guest Josh joins Benjy. Josh wastes no time getting into the obscure, talking about his spend on oddball cards which subsidize other efforts. Benjy shames Josh for not attending the Denver meetup. A bucket of Citi talk follows, from elevated offers to a silly renaming of an existing product. More comical is Bilt's new partner, particularly their transfer ratio. Benjy unloads there, then bemoans a couple declined card applications. The Amex +10x referral bonus is hitting crunch time, and the twosome share their final plans. Benjy then picks Josh's big Fluz brain. Josh shares a few more escapades involving travel and Amex employee offers. Benjy shares why he obsessively stares at gift card kiosks.