Bank Feature Summaries

Churning the 100k Amex Hilton Upgrade Offer! [2017.5 Update: Third Upgrade Success!]

Update 2017.5.30: I just chatted with an Amex rep and my third upgrade round for 100,000 Hilton points is pending! Hopefully the points will post today so I can try to downgrade and upgrade one more time before the offer expires on May 31. If you haven’t upgraded yet and are eligible via the link below, now is the time! Introduction American Express…
Read more

Chase Ink Preferred Referrals Now Available! 20k UR per referral!

The Chase Ink Preferred business card is now available for participation in the Chase Refer-A-Friend program. The referrer will receive 20,000 Ultimate Reward (UR) points per referral up to 100,000 UR per year. The referred will receive the standard public offer of 80,000 UR after spending $5,000 in 90 days. To generate referrals for an eligible Chase account, click here. Once you…
Read more

How to Use VPN to Get Increased Sign-up Bonuses from AmEx (via Incognito Mode) (2018.10 Update: Available via Referral Links As Well Now)

2018.10 Update: Previously you can only see this kind of incognito offers via public links, and the offers generated by referral links are fixed. But recently AmEx has changed their referral system, people find that we can see higher incognito offers via referral links as well! See this post for more details. 2017.4.25 Update: Recently there are a lot of data…
Read more

How To Get the Best AmEx Welcome Offers (2017 Update)

American Express (AmEx), with its great service and benefits, as well as the incredible 3x Credit Limit Increase (CLI), is a very popular credit/charge card issuer in the United States. It is recommended to keep at least one AmEx credit card or charge card. However, AmEx has changed it policy in 2014 so that one can only get the welcome…
Read more

Major changes to the AmEx Platinum cards, and why you should apply for the Schwab Platinum now (Update: You can request metal card now!)

Mar 30th Update: Changes should be in effect today. $15 Uber Credit is now available in your Uber account. And you can request the metal card now. Simply login in to your online account, click ‘Account Services’, then ‘Card Management’, and you should be able to see a card replacement option. Any newly issued or replacement card after Mar 30th will automatically…
Read more

Exclusive: How to get the Chase IHG 80k + 5k + $50 offer (This Method Is Now Dead)

2017.4 Update: According to recent data points, this method is now dead. It worked for about 3 weeks. Chase IHG Credit Card has always been one of the best cards that we recommend to keep, mainly because you can receive an annual IHG Free Night without any category restrictions from the second year after paying $49 annual fee. Using the annual…
Read more

A New Method To Get Amex Best Offers: The Chinese Website Method (Update: Dead)

2016.12.21 Update: The Chinese Website Method is really dead. But the VPN Method is still alive! 2016.12.18 Update: There’s no working data points since Dec 18 16:00 PST. This method is probably already dead. We introduced a way to use VPN to get AmEx best offers. However, it’s not that convenient and easy for some people. Many people report that they…
Read more

AmEx Incognito Big Offers Now Have Direct Links! (Dead Now)

2016.11.23 22:00 PST Update: all the following links are dead now. The lifetime was 6 hours since the first discovery. Thanks to sirtheta on reddit, now we have direct links to AmEx incognito big offers! No more VPN and failed tries! Use incognito mode to open the following links. Please make screenshots before applying to prepare for possible troubles! BCE $250+$200…
Read more

Now It Is Possible to Get the $350 AF Offer for Citi Prestige in Branch without Citigold!

Let me first summarize the previous consensus about the annual fee (AF) of the Citi Prestige. If you are a Citigold client, you get a $350 AF offer no matter you apply online or in branch; if you are not a Citigold client, then the annual fee is $450. There was one exception: even if you are not a Citigold client, you could go to a…
Read more

Discover + Apple Pay = 22%, 23% or 30% Cash Back! (Expired)

2015.11.03 Update: People are starting to receive their 10% cashback. You need to wait for the second statement after the purchase to get this cashback, if you still don’t receive the cashback, please be patient. The datapoints show that, Discover really has the ability to distinguish whether you bought gift cards, you won’t get the 10% cashback for gift cards…
Read more