PSA: Activate Your 5% Bonus Categories for 2021 Q4 Now!

2021.9 Update: 2021 Q4 (Oct., Nov., Dec.) 5% categories are released! Now it’s the time to activate them. A number of credit cards offer 5% cashback in categories that rotate every quarter (three months).  If you are a Chase Freedom Flex (CFF) (Or Old Chase Freedom), Discover It, Citi Dividend, or US Bank Cash Plus cardholder, use the links provided below to activate your…
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Discover it Credit Card Review (2021.9 Update: No Credit History Required, $100 Offer)

Discover it Credit Card Review 2021.9 Update: Some users are targeted to generate referral links with $100 welcome offer. The link we use on our site has $100 welcome offer. Application Link Discover it Through this link, you might see the application page for either Discover it or Discover it for Students. Actually these two are equivalent: no matter which…
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US Bank Cash Plus Credit Card Review (2021.9 Update: $200 Offer)

US Bank Cash+ Visa Signature Credit Card Review 2021.9 Update: The new offer is $200. 2021.3 Update: The offer is lowered from $200 to $150. 2021.1 Update: According to an email sent from US Bank, effective February 19, 2021, the following changes wlll also be made to your U.S. Bank Cash+ Visa Signature Card: Cash rewards will expire at the…
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Chase Total Checking Account Review (2021.9 Update: $225 Offer + Additional $100 If Apply For CFU Together)

Chase Total Checking Account Review 2021.9 Update: Chase used to do checking and savings combo offer. There is a new checking and credit card combo offer now: earn additional $100 if you open a checking account and a CFU together. You will get $225 for checking plus $200 (+5x) for CFU and additional $100 for opening both, that’s $525 in total….
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Barclays AAdvantage Aviator Business Credit Card Review (2021.9 Update: 80k Offer)

AAdvantage® Aviator® Business Mastercard® Review 2021.9 Update: The new offer is 80k. However, its spending requirement is larger than the previous 75k offer. 2019.5 Update: There’s a 75k best ever offer now. Application Link Barclays AAdvantage Aviator Business Benefits 80k offer: earn 50,000 AAdvantage Miles after spending $1,000 within the first 90 days, and earn additional 30,000 AAdvantage Miles after spending $6,000…
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World of Hyatt Credit Card Review (2021.9 Update: 30k+15k Offer or $300+1FN(cat7) Offer; Double Elite Nights)

World of Hyatt Credit Card Review 2021.9 Update: There is a new offer on this card: earn $300 in Hyatt credit in the first 12 months, plus earn 1 free night certificate (for up to category 7 Hyatt hotels) after spending $3,000 in the first 3 months. To be honest, this offer is not attractive. Probably many people would find the…
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Delta SkyMiles® Reserve Card from American Express Review (2021.9 Update: 80k Offer)

Delta SkyMiles® Reserve Card from American Express Review 2021.9 Update: The previous 125k offer in incognito mode seems to be dead now, and the new offer is 80k, and it expires on 2021.11.10. 2021.8 Update: There’s a 125k offer now! You may need to use incognito mode to see it. Screenshot. 2021.6 Update: The new offer is 80k+$200. 2021.5 Update:…
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AmEx Hilton Surpass Credit Card Review (2021.8 Update: 150k+50k Offer)

The Hilton Honors American Express Surpass Card Review 2021.8 Update: The 150k+50k offer is back. You may need to use incognito mode to see it. 2021.7 Update: The previous big offer is expired. The current offer is 130k+first year annual fee waived. 2021.5 Update: The new offer is 150k+50k. Here’s a screenshot. Application Link AmEx Hilton Surpass Benefits 150k+50k offer:…
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ABOC Platinum Rewards Credit Card Review (Discontinued) (2021.8 Update: No 5% CB Any More)

ABOC (Amalgamated Bank of Chicago) Platinum Rewards Credit Card Review 2021.8 Update: The 5% cashback feature will be removed as of Aug 27. You can only earn 1% cashback on all purchases afterwards. HT: DoC. 2021.5 Update: It seems this card is discontinued. 2019.7 Update: There’s no Foreign Transaction Fee (FTF) on this card any more. BTW, the new 5%…
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BoA AAA Credit Card Review (2021.8 Update: No Preferred Rewards Bonus Any More?)

Bank of America AAA Member Rewards Visa Signature® Credit Card Review 2021.8 Update: Something strange is happening to this card: The original application link on BoA is now redirecting to a general credit card list page. The application link on AAA is still alive, but there is no language about the Preferred Rewards program any more in the terms. If the…
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Inflation Hits the Miles and Points Game

[2021.08 – We have updated the text and table after finding an errant calculation in our source spreadsheet. Thanks to our readers for bringing this to our attention. However, now the “inflation” is worse than we originally posted!] Introduction The economic concept of inflation is defined as the decline of purchasing power of a given currency over time. This effectively…
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What Is Chase 5/24 Rule and How to Bypass It (2021.8 Update: Fixed APR, Green/Black Star Offers No Longer Bypassing 5/24)

2021.8 Update: Data points are starting to trickle in on Reddit and DoC showing that fixed APR applications are no longer bypassing the Chase 5/24 rule. This includes Green Star/Black Star “Selected for You” and Pre-approved/Pre-qualified offers that would show up on the Chase app and website. The result of submitting an application is immediate denial and no evidence of…
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Capital One Spark Cash Plus for Business Review (2021.8 Update: New Charge Card, $500+$500 Offer)

Capital One Spark Cash Plus for Business 2021.8 Update: This card is now officially launched, with a $500+$500 welcome offer. 2021.6 Update: This card is newly found by the community, and this card is not listed in the credit card list on Capital One. Probably it is a new card soon to be officially launched. It is nearly identical to…
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Chase Sapphire Preferred® (CSP) Review (2021.8 Update: New Benefits Live! 100k Offer, First Year AF Waived In Branch!)

Chase Sapphire Preferred® Card Review 2021.8 Update 2: New benefits of Sapphire Preferred card are live now: 3x on dining, select streaming services and online grocery (excluding Target, Walmart and wholesales). 5x on travel booked through UR portal. $50 Annual Hotel Credit per cardmember year. Must be booked through UR portal. New cardmember can use this credit now. Existing cardmembers…
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