Introduction If you are involved with this hobby for long enough, you will start to run out of credit card products from the big issuers that you can apply for. This is the time when you should start branching out and finding other issuers. Below is a compilation of credit cards issued by smaller banks and credit unions. If there…
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AmEx and their Rewards Abuse Team (RAT) is trying their best these days to punish any abusive behavior. Today, a new development happened: some people got their airline fee credit clawed back! The airline fee credit is a benefit for several premium credit cards, for example: AmEx Hilton Aspire ($250), AmEx Platinum ($200), AmEx Gold ($100). It used to be…
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2019.12 Update: There is a new place to check prequalified offer: in the United Airlines APP! See below for details. HT: FM. Chase is one of our favorite banks because of their great credit card sign-up bonuses and benefits. For that reason, many people are eager to get additional Chase cards. Unfortunately, Chase implemented the following rule in May 2015:…
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If you are a long time reader of our blog, you must have known that for many of AmEx cards, you may see increased signup bonuses if you open the application link in incognito mode or with the help of VPN. Here is a table of regular bonuses v.s. incognito increased bonuses. These incognito bonuses are stable for a few…
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2020.2 Update: It seems the concept of “stud card” is no longer valid. All amex cards have the same effect now. 2019.5 Update: According to data points on reddit, AmEx Biz Gold and Biz Platinum now become “stud cards” as well. They have the highest referral bonuses, so if you have them, they are the best cards to generate referral…
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[2019/03/13 Update] – I just received another mailer for a Business Gold card with a new link to try if you have been unsuccessful enrolling thus far. AmEx is sending out physical mailers for a promotional offer where charge card holders can earn 10,000 MR points per account by enrolling in the “Pay Over Time” feature. There are no additional…
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2018.12 Update: 2018 will end soon, so this post is updated accordingly. Things change fast in the credit card game. There are always some cards discontinued every year, and there are also some good new cards launched every year. In this post, a list of recently launched good credit cards are presented in chronological order. The definition of “good” is subjective,…
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Things change fast in the credit card game. There are always some good new cards launched every year, and there are also some cards discontinued every year. In this post, we collected a list of recently discontinued good credit cards, for everyone to cherish the memory of the past. The definition of 「good」 is subjective, and here we treat the…
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After a few months’ silence with its premium travel card Citi Prestige, Citi finally rolls out the revision of the premium card’s benefit. A major change is that after 2019.09.01, Citi will allow customers to use its lucrative benefit of fourth-night-free two times per year. Current cardholders can use Citi Prestige card to book (almost) any hotel in the world,…
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It’s been a while that you can use your AmEx cobranded card to refer other related cards in the same series. For example, if you have the Delta Gold card, then you can refer Delta Gold, Delta Platinum & Delta Reserve, and their business version. This is true for Hilton series and Marriott series as well. Now AmEx further improved…
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2019.2 Update: See this post for a new update about the increased bonuses from referral link. You should already know that, when you apply for some AmEx credit cards, you may see some higher signup bonuses if you use incognito mode, or with a VPN to increase your chance. See this post for details. For example, AmEx Everyday usually has…
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Update: It seems referral links still show the old 24-month term. Get it while you can. Dead now. Previously, Chase Sapphire Preferred (CSP) and Chase Sapphire Reserve (CSR) have a churning rule: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus…
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Starting from Aug 26, 2018, AmEx and Chase work together to limit the bonuses on their Marriott & SPG co-branded credit cards. Now AmEx SPG cards can affect the eligibility of Chase Marriott credit cards, and vice versa. Here’s a summary of the limits. Chase Co-branded Credit Cards Chase cards have their own limits: Chase 5/24 rule: Chase Marriott Premier…
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Today AmEx added a sentence in the terms for all its credit cards, see this page for example: We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. We are not sure how serious AmEx is, but this is definitely not…
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We know that you can refer a friend for AmEx Hilton Ascend and AmEx Hilton Aspire card: You can earn 20,000/25,000 bonus Hilton Honor points for every approved account you refer, up to 80,000 Hilton Honor Points per calendar year. In fact, the limit of referral bonus from AmEx Hilton cards is 82,090 instead of 80,000. For each account, you may earn…
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