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Frugal Traveler

Credit Card Swipe Fees Are Going Down. Are Points Going With Them?

A new agreement by Visa and Mastercard to reduce fees charged to merchants may drain the lucrative rewards that grant free travel to many credit card users.

A close-up photograph of someone inserting their Visa credit card into a credit card swiper.

By Elaine Glusac

Elaine Glusac is the Frugal Traveler columnist, focusing on budget-friendly tips and journeys.

On Tuesday, the largest credit card companies in the United States reached an agreement with merchants to reduce the so-called swipe fees retailers pay for accepting credit card payments, potentially saving the retailers $30 billion.

These fees also help fund the credit card rewards programs that many travelers redeem for things like free flights and hotel stays, leading points hawks to wonder: Are loyalty programs at risk?

Here’s what we know so far about the changes.

What are the terms of the deal?

Last year, credit card payments generated an estimated $72 billion in fees paid by merchants, which are generally passed along to customers in the form of higher prices. For nearly 20 years, merchants have been seeking reductions in the fees they pay Visa and Mastercard for handling transactions where the cards are used.

The proposed settlement , awaiting approval in a federal court, reduces and caps those fees for five years. It would also allow merchants to potentially charge consumers more based on the card they pay with. For example, a person paying with a premium card like the Chase Sapphire Reserve, which costs $550 a year, could be charged more than someone paying with the more basic Chase Sapphire Preferred card, with an annual fee of $95.

Why does it matter?

The majority of the fees collected go back to the banks that issue the credit cards. Those banks have used the funds to push premium credit cards that offer loyalty points, which can be redeemed for free travel and other perks. The cards with the biggest benefits tend to be those that charge higher swipe fees.

While the reduction in the fees collected sounds small — averaging at least .07 percent — they represent an estimated $30 billion over the five-year term of the deal, which banks could try to make up by reducing points perks.

“It’s reasonable to think that,” said Brian Kelly, the founder of the Points Guy , a news site devoted to maximizing credit card points.

While he speculated that banks will be able to “find other ways to make up the difference,” he acknowledged that a points squeeze could emerge.

“Opportunities to earn probably aren’t going to flourish,” he said.

The idea that merchants could charge more to the holders of premium, perks-rich cards, which are expensive, might also deter consumers from using them. Some experts question the viability of the practice given the potential for consumer backlash.

Is the new agreement related to the Credit Card Competition Act?

The legal actions that led to the new credit card agreement date back to 2005. But the newer Credit Card Competition Act , proposed in 2023, aims to introduce more competition in the credit card payment system. By creating a cheaper alternative pipeline for processing payments, the proposed legislation is seen as a greater threat to rewards programs.

Responding to the just-announced agreement between the credit card companies and retailers, Senator Dick Durbin, Democrat of Illinois, and the lead sponsor of the Credit Card Competition Act, released a statement urging the act’s passage.

“I fear that this deal only provides temporary concessions negotiated by a few lawyers behind closed doors,” he said in the statement.

Other experts said the agreement may ease the pressure on Congress to pass the act.

“I think it’s a way for Visa and Mastercard to show that they are making a good-faith effort to help out merchants by lowering the fees they’ve been complaining about for 20 years, and hopefully enough to let senators know they’re doing their part,” said Chris Hassan, the social media and brand manager for Upgraded Points , a website that tracks credit card benefits.

Separately, the proposed merger between Capital One and Discover, which is pending federal approval, could introduce more competition among credit cards and potentially improve rewards for holders of those cards.

What should I do now?

The points and payments systems won’t change until the agreement is approved, which is expected in late 2024 or early 2025, according to a news release from Mastercard.

But the topic should remind travelers of the reality of playing with points: The rules always change. Values tend to fall as redemption levels rise, which companies issuing these currencies are free to adjust at will.

If you have points, spend them, say experts like Sara Rathner, a travel and credit card specialist at the financial website NerdWallet . “They’re not a trophy to dust and admire.”

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

Italy :  Spend 36 hours in Florence , seeking out its lesser-known pockets.

Southern California :  Skip the freeways to explore the back roads between Los Angeles and Los Olivos , a 100-mile route that meanders through mountains, canyons and star-studded enclaves.

Mongolia : Some young people, searching for less curated travel experiences, are flocking to the open spaces of this East Asian nation .

Romania :  Timisoara  may be the most noteworthy city you’ve probably never heard of , offering just enough for visitors to fill two or three days.

India: A writer fulfilled a lifelong dream of visiting Darjeeling, in the Himalayan foothills , taking in the tea gardens and riding a train through the hills.

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

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Claudia Looi

Touring the Top 10 Moscow Metro Stations

By Claudia Looi 2 Comments

Komsomolskaya metro station

Komsomolskaya metro station looks like a museum. It has vaulted ceilings and baroque decor.

Hidden underground, in the heart of Moscow, are historical and architectural treasures of Russia. These are Soviet-era creations – the metro stations of Moscow.

Our guide Maria introduced these elaborate metro stations as “the palaces for the people.” Built between 1937 and 1955, each station holds its own history and stories. Stalin had the idea of building beautiful underground spaces that the masses could enjoy. They would look like museums, art centers, concert halls, palaces and churches. Each would have a different theme. None would be alike.

The two-hour private tour was with a former Intourist tour guide named Maria. Maria lived in Moscow all her life and through the communist era of 60s to 90s. She has been a tour guide for more than 30 years. Being in her 60s, she moved rather quickly for her age. We traveled and crammed with Maria and other Muscovites on the metro to visit 10 different metro stations.

Arrow showing the direction of metro line 1 and 2

Arrow showing the direction of metro line 1 and 2

Moscow subways are very clean

Moscow subways are very clean

To Maria, every street, metro and building told a story. I couldn’t keep up with her stories. I don’t remember most of what she said because I was just thrilled being in Moscow.   Added to that, she spilled out so many Russian words and names, which to one who can’t read Cyrillic, sounded so foreign and could be easily forgotten.

The metro tour was the first part of our all day tour of Moscow with Maria. Here are the stations we visited:

1. Komsomolskaya Metro Station  is the most beautiful of them all. Painted yellow and decorated with chandeliers, gold leaves and semi precious stones, the station looks like a stately museum. And possibly decorated like a palace. I saw Komsomolskaya first, before the rest of the stations upon arrival in Moscow by train from St. Petersburg.

2. Revolution Square Metro Station (Ploshchad Revolyutsii) has marble arches and 72 bronze sculptures designed by Alexey Dushkin. The marble arches are flanked by the bronze sculptures. If you look closely you will see passersby touching the bronze dog's nose. Legend has it that good luck comes to those who touch the dog's nose.

Touch the dog's nose for good luck. At the Revolution Square station

Touch the dog's nose for good luck. At the Revolution Square station

Revolution Square Metro Station

Revolution Square Metro Station

3. Arbatskaya Metro Station served as a shelter during the Soviet-era. It is one of the largest and the deepest metro stations in Moscow.

Arbatskaya Metro Station

Arbatskaya Metro Station

4. Biblioteka Imeni Lenina Metro Station was built in 1935 and named after the Russian State Library. It is located near the library and has a big mosaic portrait of Lenin and yellow ceramic tiles on the track walls.

Biblioteka Imeni Lenina Metro Station

Lenin's portrait at the Biblioteka Imeni Lenina Metro Station


5. Kievskaya Metro Station was one of the first to be completed in Moscow. Named after the capital city of Ukraine by Kiev-born, Nikita Khruschev, Stalin's successor.


Kievskaya Metro Station

6. Novoslobodskaya Metro Station  was built in 1952. It has 32 stained glass murals with brass borders.

Screen Shot 2015-04-01 at 5.17.53 PM

Novoslobodskaya metro station

7. Kurskaya Metro Station was one of the first few to be built in Moscow in 1938. It has ceiling panels and artwork showing Soviet leadership, Soviet lifestyle and political power. It has a dome with patriotic slogans decorated with red stars representing the Soviet's World War II Hall of Fame. Kurskaya Metro Station is a must-visit station in Moscow.

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Ceiling panel and artworks at Kurskaya Metro Station


8. Mayakovskaya Metro Station built in 1938. It was named after Russian poet Vladmir Mayakovsky. This is one of the most beautiful metro stations in the world with 34 mosaics painted by Alexander Deyneka.

Mayakovskaya station

Mayakovskaya station

Mayakovskaya metro station

One of the over 30 ceiling mosaics in Mayakovskaya metro station

9. Belorusskaya Metro Station is named after the people of Belarus. In the picture below, there are statues of 3 members of the Partisan Resistance in Belarus during World War II. The statues were sculpted by Sergei Orlov, S. Rabinovich and I. Slonim.


10. Teatralnaya Metro Station (Theatre Metro Station) is located near the Bolshoi Theatre.

Teatralnaya Metro Station decorated with porcelain figures .

Teatralnaya Metro Station decorated with porcelain figures .

Taking the metro's escalator at the end of the tour with Maria the tour guide.

Taking the metro's escalator at the end of the tour with Maria the tour guide.

Have you visited the Moscow Metro? Leave your comment below.

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January 15, 2017 at 8:17 am

An excellent read! Thanks for much for sharing the Russian metro system with us. We're heading to Moscow in April and exploring the metro stations were on our list and after reading your post, I'm even more excited to go visit them. Thanks again 🙂

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December 6, 2017 at 10:45 pm

Hi, do you remember which tour company you contacted for this tour?

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Here's how I prepared for my 15-hour long-haul flight to Hong Kong

  • This post originally appeared in the Insider Today newsletter.
  • You can sign up for Business Insider's daily newsletter here .

Insider Today

Hi from Hong Kong! Before I share how I survived my 15-hour flight, I have to let you in on my personal Q2 challenge: I'm determined to eat less ultra-processed foods. We asked a nutritionist about his favorite go-to grocery store snacks , and you'll be surprised at just how easy it is to eat better.

For more ways to improve your life, keep scrolling.

On the agenda today:

How you rack up credit-card points could change forever .

A Malaysian city labeled a ghost town is trying to reimagine itself as a tourist destination .

Beyoncé's new album is upending country music .

Americans have leisure time, but they don't know how to use it .

But first: Let's go halfway around the world.

If this was forwarded to you, sign up here . Download Insider's app here.

Long-haul flights can be a lot

I was prepared, though — or so I thought. Before I boarded my flight to attend Art Basel in Hong Kong, which is returning in a bigger way post-pandemic, I read what BI's travel reporters have been documenting for the past few years.

I knew to wear layers because the plane can be cold at 34,000 feet in the air.

I knew to download podcasts in case my in-flight entertainment didn't work. (Thank goodness it did. I finally got to watch Greta Gerwig's "Barbie." And yes, America Ferrera's monologue moved me to tears, just like everyone else on the set).

I knew to wear comfy clothes and pick an aisle seat .

But let's face it, long-haul flights are still just that: very long. What got me through it was having patience and knowing I'd wake up in a city with amazing food, great art, and good weather.

It made those sluggish 15 hours — and a bit of jetlag — worth every second.

Credit-card points get upended

Swiping your credit card for points might get a lot more expensive.

A recent settlement between two of the biggest credit card networks — Visa and Mastercard — and US merchants focuses on the fees retailers pay for handling transactions. Under the agreement, the fees, known as interchange, would be lowered and capped for a few years.

Another part of the settlement allows merchants to charge consumers more for using specific credit cards. That could be a blow to cards that offer better cash-back benefits and rewards since they typically come with higher interchange.

The new era of credit-card points

You may have to pay more at checkout when using your Visa or Mastercard

Ghost town glow-up

Malaysia's Forest City had aspirations of being a "living paradise" with $100 billion spent developing the area with luxury high-rise condos and villas. But the dream never materialized, and the Chinese developer behind the project defaulted as the city turned into a ghost town.

Now the city has reimagined itself as a tourist destination, with a waterpark, an artificial beach, and a golf course.

Business Insider's Marielle Descalsota spent 48 hours in Forest City to see how much has changed.

Malaysia's $100 billion ghost town is trying to pivot

The Beyoncé effect

In February, Beyoncé became the first Black woman ever to reach No. 1 on Billboard's Hot Country Songs chart with her single "Texas Hold 'Em."

Her hot new album "Cowboy Carter" was just released yesterday — and five Black country artists, two of whom are featured on the 27-track project, unpacked its impact.

"Buckle Bunny" singer Tanner Adell, who's featured on "BLACKBIIRD," told BI that she's "grateful" to Beyoncé for enticing more people to dig into the genre. Shaboozey, whose voice is on two songs, says he hopes this moment isn't a mere trend, but a turning point.

Here's what country's rising Black stars are saying .

What to do with our free time

The average American has more free time than they might realize, and they're having a tough time figuring out what to do with it.

According to one estimate, Americans actually have about four to six hours of leisure time every day. But screen time, especially watching television, sucks up a majority of the hours.

And there's also a societal aspect to us eschewing leisure time, as many Americans pride themselves on being busy.

Americans have more leisure time than they realize.

What we're watching this weekend

"A Gentleman in Moscow ": The first episode of Ewan McGregor's historical drama is available on Paramount+.

"Lisa Frankenstein": Zelda Williams, Robin Williams' daughter, makes her directorial debut in a fresh take on the "Frankenstein" story on Peacock.

"Is It Cake?": The show about hyper-realistic cakes is back for a third season on Netflix.

See the full list

More of this week's top reads:

5 best exercises for building upper-body muscle when you're short on time at the gym, according to a top coach

An Italian town wants to sell its abandoned homes for $1 but the owners won't let it

A 'Dragon Ball' theme park is Saudi Arabia's latest attempt to become the world's playground. Some fans aren't happy.

5 signs you should quit your therapist — or therapy in general

People pay a $200K initiation fee and $15K a year to join the Aman Club, the most expensive private members' club in NYC. Take a peek inside.

10 things to never do at all-inclusive resorts, from a frequent traveler

This product manager got a $40,000 raise using a 'lazy girl strategy'

How to fit in at a dinner with a billionaire, according to an etiquette expert

The Insider Today team: Joi-Marie McKenzie , editor-in-chief, in New York. Jordan Parker Erb , editor, in New York. Dan DeFrancesco , deputy editor and anchor, in New York. Lisa Ryan , executive editor, in New York.

Watch: Why Singapore Changi Airport was just named best in the world

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Roni The Travel Guru

Moscow Metro – Part 2

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Have you been to Moscow ? In all seriousness, they have the prettiest metro stations I have ever seen and I still can’t believe how immaculate and lovely every station was. There are several different stations pictured below and this is the second of several posts where I will show you the beauty of the Moscow Metro. Did you see part 1 ?  There really isn’t much to say because I think the pictures speak for themselves. I have so many more pictures to share with you!

moscow metro

Have you ever been to Moscow? Is it someplace you have thought about visiting?

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She speaks fluent English, French and Spanish, and works for a major airline. And guess what? She’s also a licensed elementary teacher and has an MBA.

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This is the train STATION?? Oh my god… So gorgeous. Moscow has never even crossed my mind as a possible travel destination but this is gorgeous…Hmmm… LOL

I know, right? We spent several hours in the metro, just marveling at the beauty of each one. Thanks for stopping by!

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The Moscow Metro Museum of Art: 10 Must-See Stations

There are few times one can claim having been on the subway all afternoon and loving it, but the Moscow Metro provides just that opportunity.  While many cities boast famous public transport systems—New York’s subway, London’s underground, San Salvador’s chicken buses—few warrant hours of exploration.  Moscow is different: Take one ride on the Metro, and you’ll find out that this network of railways can be so much more than point A to B drudgery.

The Metro began operating in 1935 with just thirteen stations, covering less than seven miles, but it has since grown into the world’s third busiest transit system ( Tokyo is first ), spanning about 200 miles and offering over 180 stops along the way.  The construction of the Metro began under Joseph Stalin’s command, and being one of the USSR’s most ambitious building projects, the iron-fisted leader instructed designers to create a place full of svet (radiance) and svetloe budushchee (a radiant future), a palace for the people and a tribute to the Mother nation.

Consequently, the Metro is among the most memorable attractions in Moscow.  The stations provide a unique collection of public art, comparable to anything the city’s galleries have to offer and providing a sense of the Soviet era, which is absent from the State National History Museum.  Even better, touring the Metro delivers palpable, experiential moments, which many of us don’t get standing in front of painting or a case of coins.

Though tours are available , discovering the Moscow Metro on your own provides a much more comprehensive, truer experience, something much less sterile than following a guide.  What better place is there to see the “real” Moscow than on mass transit: A few hours will expose you to characters and caricatures you’ll be hard-pressed to find dining near the Bolshoi Theater.  You become part of the attraction, hear it in the screech of the train, feel it as hurried commuters brush by: The Metro sucks you beneath the city and churns you into the mix.

With the recommendations of our born-and-bred Muscovite students, my wife Emma and I have just taken a self-guided tour of what some locals consider the top ten stations of the Moscow Metro. What most satisfied me about our Metro tour was the sense of adventure .  I loved following our route on the maps of the wagon walls as we circled the city, plotting out the course to the subsequent stops; having the weird sensation of being underground for nearly four hours; and discovering the next cavern of treasures, playing Indiana Jones for the afternoon, piecing together fragments of Russia’s mysterious history.  It’s the ultimate interactive museum.

Top Ten Stations (In order of appearance)

Kievskaya station.

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Kievskaya Station went public in March of 1937, the rails between it and Park Kultury Station being the first to cross the Moscow River.  Kievskaya is full of mosaics depicting aristocratic scenes of Russian life, with great cameo appearances by Lenin, Trotsky, and Stalin.  Each work has a Cyrillic title/explanation etched in the marble beneath it; however, if your Russian is rusty, you can just appreciate seeing familiar revolutionary dates like 1905 ( the Russian Revolution ) and 1917 ( the October Revolution ).

Mayakovskaya Station

Mayakovskaya Station ranks in my top three most notable Metro stations. Mayakovskaya just feels right, done Art Deco but no sense of gaudiness or pretention.  The arches are adorned with rounded chrome piping and create feeling of being in a jukebox, but the roof’s expansive mosaics of the sky are the real showstopper.  Subjects cleverly range from looking up at a high jumper, workers atop a building, spires of Orthodox cathedrals, to nimble aircraft humming by, a fleet of prop planes spelling out CCCP in the bluest of skies.

Novoslobodskaya Station

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Novoslobodskaya is the Metro’s unique stained glass station.  Each column has its own distinctive panels of colorful glass, most of them with a floral theme, some of them capturing the odd sailor, musician, artist, gardener, or stenographer in action.  The glass is framed in Art Deco metalwork, and there is the lovely aspect of discovering panels in the less frequented haunches of the hall (on the trackside, between the incoming staircases).  Novosblod is, I’ve been told, the favorite amongst out-of-town visitors.

Komsomolskaya Station

Komsomolskaya Station is one of palatial grandeur.  It seems both magnificent and obligatory, like the presidential palace of a colonial city.  The yellow ceiling has leafy, white concrete garland and a series of golden military mosaics accenting the tile mosaics of glorified Russian life.  Switching lines here, the hallway has an Alice-in-Wonderland feel, impossibly long with decorative tile walls, culminating in a very old station left in a remarkable state of disrepair, offering a really tangible glimpse behind the palace walls.

Dostoevskaya Station

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Dostoevskaya is a tribute to the late, great hero of Russian literature .  The station at first glance seems bare and unimpressive, a stark marble platform without a whiff of reassembled chips of tile.  However, two columns have eerie stone inlay collages of scenes from Dostoevsky’s work, including The Idiot , The Brothers Karamazov , and Crime and Punishment.   Then, standing at the center of the platform, the marble creates a kaleidoscope of reflections.  At the entrance, there is a large, inlay portrait of the author.

Chkalovskaya Station

Chkalovskaya does space Art Deco style (yet again).  Chrome borders all.  Passageways with curvy overhangs create the illusion of walking through the belly of a chic, new-age spacecraft.  There are two (kos)mosaics, one at each end, with planetary subjects.  Transferring here brings you above ground, where some rather elaborate metalwork is on display.  By name similarity only, I’d expected Komsolskaya Station to deliver some kosmonaut décor; instead, it was Chkalovskaya that took us up to the space station.

Elektrozavodskaya Station

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Elektrozavodskaya is full of marble reliefs of workers, men and women, laboring through the different stages of industry.  The superhuman figures are round with muscles, Hollywood fit, and seemingly undeterred by each Herculean task they respectively perform.  The station is chocked with brass, from hammer and sickle light fixtures to beautiful, angular framework up the innards of the columns.  The station’s art pieces are less clever or extravagant than others, but identifying the different stages of industry is entertaining.

Baumanskaya Statio

Baumanskaya Station is the only stop that wasn’t suggested by the students.  Pulling in, the network of statues was just too enticing: Out of half-circle depressions in the platform’s columns, the USSR’s proud and powerful labor force again flaunts its success.  Pilots, blacksmiths, politicians, and artists have all congregated, posing amongst more Art Deco framing.  At the far end, a massive Soviet flag dons the face of Lenin and banners for ’05, ’17, and ‘45.  Standing in front of the flag, you can play with the echoing roof.

Ploshchad Revolutsii Station

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Novokuznetskaya Station

Novokuznetskaya Station finishes off this tour, more or less, where it started: beautiful mosaics.  This station recalls the skyward-facing pieces from Mayakovskaya (Station #2), only with a little larger pictures in a more cramped, very trafficked area.  Due to a line of street lamps in the center of the platform, it has the atmosphere of a bustling market.  The more inventive sky scenes include a man on a ladder, women picking fruit, and a tank-dozer being craned in.  The station’s also has a handsome black-and-white stone mural.

Here is a map and a brief description of our route:

Start at (1)Kievskaya on the “ring line” (look for the squares at the bottom of the platform signs to help you navigate—the ring line is #5, brown line) and go north to Belorusskaya, make a quick switch to the Dark Green/#2 line, and go south one stop to (2)Mayakovskaya.  Backtrack to the ring line—Brown/#5—and continue north, getting off at (3)Novosblodskaya and (4)Komsolskaya.  At Komsolskaya Station, transfer to the Red/#1 line, go south for two stops to Chistye Prudy, and get on the Light Green/#10 line going north.  Take a look at (5)Dostoevskaya Station on the northern segment of Light Green/#10 line then change directions and head south to (6)Chkalovskaya, which offers a transfer to the Dark Blue/#3 line, going west, away from the city center.  Have a look (7)Elektroskaya Station before backtracking into the center of Moscow, stopping off at (8)Baumskaya, getting off the Dark Blue/#3 line at (9)Ploschad Revolyutsii.  Change to the Dark Green/#2 line and go south one stop to see (10)Novokuznetskaya Station.

Check out our new Moscow Indie Travel Guide , book a flight to Moscow and read 10 Bars with Views Worth Blowing the Budget For

Jonathon Engels, formerly a patron saint of misadventure, has been stumbling his way across cultural borders since 2005 and is currently volunteering in the mountains outside of Antigua, Guatemala.  For more of his work, visit his website and blog .

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Photo credits:   SergeyRod , all others courtesy of the author and may not be used without permission

Fisker loses customers’ money, Robinhood launches a credit card, and Google generates travel itineraries

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Hey, folks, welcome to Week in Review (WiR), TechCrunch’s newsletter recapping the notable happenings in tech over the past few days.

This week, TC’s auto reporter Sean O’Kane revealed how EV startup Fisker temporarily lost track of millions of dollars in customer payments as it scaled up deliveries, leading to an internal audit that started in December and took months to complete.

Elsewhere, Lorenzo reported how Facebook snooped on users’ Snapchat traffic in a secret project known internally at Meta as “Project Ghostbusters.” According to court documents, the goal was to intercept and decrypt the network traffic between people using Snapchat’s app and its servers.

And Manish wrote about the resignation of Stability AI founder and CEO Emad Mostaque late last week. Mostaque’s departure from Stability AI — the startup known for its popular image generation tool Stable Diffusion — comes amid an ongoing struggle for stability (pun intended) at the company, which was reportedly spending ~$8 million a month as of October 2023 with little revenue to show for it.

Lots else happened. We recap it all in this edition of WiR — but first, a reminder to  sign up  to receive the WiR newsletter in your inbox every Saturday.

Fisker suspended:   Fisker’s bad week continued with a halt in the startup’s stock trading. The New York Stock Exchange moved to take Fisker off the exchange, citing its “abnormally low” stock levels.

AI-powered itineraries: In an upgrade to its Search Generative Experience , Google has added the ability for users to ask Google Search to plan a travel itinerary. Using AI, Search will draw on ideas from websites around the web along with reviews, photos and other details.

Robinhood’s new card: Nine months after acquiring credit card startup X1 for $95 million, Robinhood on Wednesday announced the launch of its new Gold Card, powered by X1’s technology, with a list of features that could make Apple Card users envious.

At AT&T, mum’s the word: The personal information of some 73 million AT&T customers spilled online this week. But AT&T won’t say how — despite the hack responsible having happened over three years ago.

Booming Copilot: Copilot, the budgeting app, has raised $6 million in a Series A round led by Nico Wittenborn’s Adjacent. The app is benefiting partly from the death of Mint, Intuit’s financial management product.

Liquid assets:   In a piece looking at the wider VC-backed beverage industry, Rebecca and Christine note canned water startup Liquid Death’s recent $67 million fundraise, which brought the company’s total raised to more than $267 million. Talk about liquidity.

HVAC venture: Dan Laufer, a former Nextdoor exec, has raised $25 million from Canvas Ventures and others for PipeDreams, a startup that acquires mom-and-pop HVAC and plumbing companies and scales them using its software that helps with scheduling and marketing.

Is Nvidia the next AWS?:   Ron writes about how there’s lots of parallels in Nvidia’s and AWS’ growth trajectories.

This week on Equity , the crew dug into Robinhood’s new credit card, Fisker’s latest woes and even Databricks’ new AI model that it spent $10 million to spin up. They also spotlit two companies building startups focused around kids, and, to wrap up, looked at a new $100 million fund that seeks to back innovative climate tech.

Meanwhile, on Found , Allison Wolff, the co-founder and CEO of Vibrant Planet, a cloud-based planning and monitoring tool for adaptive land management, discussed why the wildfires we’re seeing today are hotter and spreading more quickly than we can contain and how proper land management can help foster lower, slower-burning fires.

And on Chain Reaction , Jacquelyn interviewed Scott Dykstra, CTO and co-founder of Space and Time. Space and Time aims to be a verifiable compute layer for web3 that scales zero-knowledge proofs, a cryptographic action used to prove something about a piece of data without revealing the origin data itself.

Bonus round

Spotify tests online learning: In its ongoing efforts to get its 600 million+ users to spend more time and money on its platform, Spotify is spinning up a new line of content: e-learning. Beginning with a rollout in the U.K., the (traditionally audio) streaming platform is testing the waters for an online education offering of freemium video courses.


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  3. Your DBS Travel Guide

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  1. digibank Travel Signature Credit Card

    Redeem your digibank mileage via digibank by DBS Application or contact DBSI Customer Center* 0804 1500327 or +6221 29852888 (from abroad). Just 4 clicks away to convert your transaction to installment. Download digibank by DBS App and make a transaction with digibank Visa Travel Signature Credit Card.

  2. Apply Kartu Kredit Travel

    Tukarkan mileage digibank kamu melalui Aplikasi digibank by DBS atau DBSI Customer Center* 0804 1500 327 atau +6221 29852888 (dari luar negeri). Dengan 4 kali klik di Aplikasi digibank by DBS, Anda sudah dapat mengubah transaksi menjadi cicilan. Unduh sekarang dan pakai terus Kartu Kredit digibank Visa Travel Signature.

  3. Go Travel with DBS

    Credit Card Payment Cut-off Times Perform instant payment for your DBS/POSB Credit Cards via digibank Online & digibank. Alternatively, other non-instant channels includes Phone Banking, ATM, AXS, GIRO, Cheque and Cash Payments. ... DBS Travel & Leisure Marketplace is a platform for you to search and book flights & hotel stays via the DBS Website.

  4. Earn Miles anywhere. Redeem them anytime with DBS Altitude Card

    With up to 10 Miles per S$1 spend, DBS Altitude Card is the fastest way to turn your daily spending into Miles that never expire. For any and every adventure, whenever you choose. S$1 = 10 miles on hotel transactions at Kaligo. S$1 = 6 miles on flight, hotel and travel packages at Expedia. S$1 = 4.3 miles on hotel transactions at Agoda.

  5. DBS Card Privileges and Offers

    Enjoy DBS card privileges & benefits - DBS 1-for-1 buffet promotions, dining, travel, Buy Now Pay Later (BNPL) offers and online shopping deals at your fingertips! You are in Personal Banking. ... Apply now for DBS Live Fresh Card, DBS yuu Card or POSB Everyday Card. Learn more. Promotions. Up to 60,000 Miles for life? You got it.

  6. DBS Vantage Credit Card- International Travel Card, Low Forex Markup

    Low Forex Mark-up on International Travel. DBS Vantage Credit Card charges zero forex mark-up fee in Singapore and a low forex mark-up of 1.75% elsewhere. As the standard forex mark-up charged by most credit cards is usually 3.5% of the transaction amount, this is a good advantage, especially for international travellers.

  7. Find Credit Card Promotion, Deals & Offers with DBS Bank

    Up to 14% instant fuel savings at Esso. Get 14% instant fuel savings for all DBS Credit/Debit Cards. Discover the best credit card deals and offers in Singapore. Take advantage of exclusive promotions and enjoy fantastic savings with DBS credit cards.

  8. Best DBS Air Miles Credit Cards in Singapore 2024

    DBS Woman's World Card. on Online Purchases. S$5 = 10 DBS Points (equivalent to 4 Miles per S$1) on Overseas Purchases. S$5 = 3 DBS Points (equivalent to 1.2 Miles per S$1) on All Other Spend. S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1) Apply Now. More Details.

  9. DBS Altitude Credit Card Review: Enjoy Expiry-Free Miles

    The DBS Altitude Card just unveiled increased miles earn rates of 1.3 mpd and 2.2 mpd on local and overseas spending. But that also meant reducing other bonus miles elsewhere. Previously, the DBS Altitude Card offered a standard market rate of 1.2 miles per S$1 on local spend and 2 miles per S$1 on overseas spend but stood out in terms of its ...

  10. DBS Altitude Visa Signature Card Review & Promotion in 2024

    Now packed with even more miles, DBS Altitude Card is one of the best entry-level miles credit cards in Singapore. With up to 10 miles per S$1 on your spend, it's the fastest way to turn your life into Miles for Life. It also offers 1 year annual fee waiver, 10,000 bonus miles when you pay for your annual fee, complimentary digital Priority ...

  11. The Best Miles Credit Cards: How to Earn Frequent Flyer Miles With DBS

    The DBS Woman's Credit Card allows you to earn up to 4 miles per S$1 spent on online spending, and 1.2 miles per S$1 spend on overseas purchases. ... The DBS Altitude Card, on the other hand, is a card dedicated to all things travel. If you are a DBS Altitude cardholder, you can get attractive discounts and savings when you shop at ...

  12. How to save on overseas spending with DBS My Account & Travel Mode

    Travel costs may be on the rise, but that doesn't mean vacationing has to break the bank. In the previous post in this series, we saw how the DBS Travel & Leisure Marketplace can help travellers save on flights and hotels (don't forget to take advantage of the promotion for offsetting travel costs with DBS Points at 3x value!), as well as travel insurance.

  13. Review: DBS Altitude Card

    The DBS Altitude Card has an annual fee of S$194.40 for the principal cardholder, and a S$97.20 fee per supplementary card.. The first year's fee is waived, and subsequent year's fees are automatically waived if you spend at least S$25,000 in a membership year (based on personal experience, you can get a fee waiver even if you spend much less than this).

  14. DBS Spark Card: Unlock Exclusive Offers, Benefits & Rewards

    Check out all the awesome things the DBS Spark5 Credit Card. has in store for you! Earn 2 Cash Points on every ₹200. spent* (Where 1 CP = ₹0.20) Welcome bonus of 2,500 Cash Points. on your first transaction within 30 days. and payment of joining fee*. Bonus 5X Cash Points. of up to 3,000 Cash Points on monthly offline spends.

  15. DBS Great Travel Rewards

    3 Apr 2024. Wednesday. 4 Apr 2024. Thursday. 2 adults. 1 room. Applicable DBS Credit Cardholders can redeem designated hotel stays with DBS$ or COMPASS Dollar! Enjoy DBS$1 equivalent to HK$2 if you redeem with Black World Mastercard®. From now till 31 March 2024, make your booking of "Pay Now" and "Non-Refundable" hotel room, and ...

  16. DBS/POSB Travel Promotion

    DBS Credit Card Travel Discount: Enjoy exclusive flight deals right here on CheapTickets.sg. Book your next holiday to Australia or The Philippines on CheapTickets.sg with your DBS Credit Card now. ... To enjoy the offer, payment must be made with a valid DBS credit card. Customers that do not use a DBS credit card for payment will not be ...

  17. PDF DBS/POSB Cards Exclusive Promotion: 20% off Selected Scoot Flights

    DBS/POSB Cards Exclusive Promotion: 20% off Selected Scoot Flights ... List of Destinations and Eligible Travel Periods Included in Promotion Airport Code City Travel Period MEL Melbourne By 18 Apr 2024 02 May - 03 Jul 2024 12 Aug - 20 Sep 2024 22 Oct - 31 Dec 2024 (Blackout periods may apply over school holidays and event periods) PER Perth

  18. Kartu Kredit Bank Instan

    digibank Mastercard Black. Nikmati Komplimen Makanan & Minuman di Seluruh Gerai Starbucks Bandara Indonesia 12x/tahun. Aplikasi digibank untuk aktivitas keuangan harian Anda seperti cek saldo, pengajuan kartu kredit, penganggaran, transfer dana, tagihan, isi ulang prabayar, dan Asisten Virtual dari ponsel Anda 24/7, kapan & di mana saja.

  19. DBS Bank Cards, Debit Cards, Credit Card, Prepaid Card

    DBS Woman's Credit Card. Up to 10X DBS Points (4 miles per S$1) on Online & Overseas purchases. Learn more. DBS Black Card. Learn more. DBS NUS Alumni & DBS NUSS Cards. NUS Alumni and NUSS members can enjoy a host of rewards and privileges. Learn more. DBS yuu Card Enjoy up to 18% cash rebates!

  20. Are Travel Loyalty Programs at Risk?

    A new agreement by Visa and Mastercard to reduce fees charged to merchants may drain the lucrative rewards that grant free travel to many credit card users. By Elaine Glusac Elaine Glusac is the ...

  21. What Visa and Mastercard Settlement Means for Cardholders, Rewards

    Using Your Premium Credit Card May Cost More After Visa-Mastercard Deal Agreement allows retailers to charge extra for some cards Deal will save merchants $30 billion in swipe fees in 5 years

  22. Save on luxury travel: 5 ways to redeem credit card points for ...

    Iberia prices its tickets on peak/off-peak dates and uses a distance-based award chart for its flights. In other words, flying long distances on peak travel dates will cost more Avios (Iberia's ...

  23. Touring the Top 10 Moscow Metro Stations

    6. Novoslobodskaya Metro Station was built in 1952. It has 32 stained glass murals with brass borders. Novoslobodskaya metro station. 7. Kurskaya Metro Station was one of the first few to be built in Moscow in 1938. It has ceiling panels and artwork showing Soviet leadership, Soviet lifestyle and political power.

  24. Here's How I Prepared for My 15-Hour Flight to Hong Kong

    How you rack up credit-card points could change forever. A Malaysian city labeled a ghost town is trying to reimagine itself as a tourist destination . Beyoncé's new album is upending country music .

  25. Moscow Metro

    Ihere is something special about seeing art and beauty while hundreds of feet underground. The metro in Moscow is breathtakingly beautiful, don't you think?

  26. The Moscow Metro Museum of Art: 10 Must-See Stations

    Have a look (7)Elektroskaya Station before backtracking into the center of Moscow, stopping off at (8)Baumskaya, getting off the Dark Blue/#3 line at (9)Ploschad Revolyutsii. Change to the Dark Green/#2 line and go south one stop to see (10)Novokuznetskaya Station. Check out our new Moscow Indie Travel Guide, book a flight to Moscow and read 10 ...

  27. Elektrostal to Moscow

    Moscow, Russia. Moscow is the capital and largest city of the Russian Federation. The city stands on the Moskva River in Central Russia, with a population estimated at 13.0 million residents within the city limits, over 18.8 million residents in the urban area, and over 21.5 million residents in the metropolitan area.

  28. Robinhood's new credit card goes after Apple Card with ability to

    Eight months after acquiring credit card startup X1 for $95 million, Robinhood announced today the launch of its new Gold Card, with a list of features that could even give Apple Card users envy.

  29. Fisker loses customers' money, Robinhood launches a credit card, and

    Robinhood's new card: Nine months after acquiring credit card startup X1 for $95 million, Robinhood on Wednesday announced the launch of its new Gold Card, powered by X1's technology, with a ...