US Credit Card Guide - We only recommend the best credit cards

PSA: Activate Your 5% Bonus Categories for 2019 Q3 Now!

Geo 2019-06-17 2019-06-17 5 Comments

2019.6 Update: 2019 Q3 (Jul Aug Sep) categories are released! Many of you have credit cards that earn 5% back on bonus categories that rotate quarterly. If you are a Chase Freedom, Discover It, Citi Dividend, or US Bank Cash Plus cardholder, use the links provided below to activate your bonus categories indicated below: 1. Chase Freedom: Gas & Streaming Services https://creditcards.chase.com/freedom/activate The Chase Freedom has a…
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Deals

5% Rotating Categories

Chase Marriott Bonvoy Bold Credit Card Review (New Card, No Fee, 50k Offer)

physixfan 2019-06-11 2019-06-11 25 Comments

Chase Marriott Bonvoy Bold Credit Card Review Application Link Chase Marriott Bonvoy Bold Benefits 50k offer: Earn 50,000 Marriott points by spending $2,000 in the first 3 months from account opening. Marriott point is now the most flexible points (after the merger with SPG). We estimate that Marriott points are worth about 0.7 cents/point, see below for a brief introduction….
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Chase

Chase, Hotel Credit Card, Marriott Bonvoy, No Annual Fee, No Foreign Transaction Fee

Chase UA Club Business Credit Card Review (2019.6 Update: 50k Offer!)

physixfan 2019-06-11 2019-06-11 34 Comments

Chase United MileagePlus Club Business Card Review 2019.6 Update: The new offer is 50k. Application Link Chase UA Club Business Benefits 50k offer: earn 50,000 UA Miles after spending $3000 in the first 3 months. We value UA mile at 1.4 cents (Airline Miles Value). So the 50k highest sign-up bonus is worth about $700. See A Beginner’s Guide to UA Miles to…
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Chase Business Card

Airline Credit Card, Chase, Metal Card, No Foreign Transaction Fee, Premium Credit Card, United Airlines (UA)

Chase Freedom Student Credit Card Review (New Card)

physixfan 2019-06-10 2019-06-10 3 Comments

Chase Freedom Student Review 2019.6 Update: This is a new card designed for student by Chase. The banker said this card will be very easy to get approved, and even people with no credit history at all can also possibly get approved. Application Link This card is currently only available in branch. Benefits 5k offer: earn 5,000 Ultimate Rewards (UR)…
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Chase

Chase, No Annual Fee, Ultimate Rewards (UR)

Points Transfer Bonus Offers: AmEx MR to Marriott/BA/JetBlue 50% Bonus (Targeted)

ThunderFat 2019-06-10 2019-06-10 3 Comments

We will keep updating recent points transfer bonus offers in this post. (2019.6 Update) MR -> Marriott Bonvoy up to 50% Bonus (targeted) Some people also get targeted to a MR->Marriott transfer bonus. It is up to 50% bonus. No upper limit, and it seems no expiration date as well. The original ratio is 1:1, so with 50% bonus the…
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AmEx Membership Rewards (MR)

Membership Rewards (MR)

Wings of the Points — UR/MR/TYP/C1/Marriott Points to Miles Transfer Chart (2019.6 Update: Marriott No Longer Transferred To LH)

physixfan 2019-06-07 2019-06-07 52 Comments

2019.6 Update: Marriott Bonvoy has quietly updated their transfer partners page, and removed Lufthansa (LH) Miles & More. It is said that the partnership is suspended due to German regulations… 2019.5 Update: AmEx MR added a new partner Qantas (QF), and the transfer rate is 1:1. Usage It is better to view this chart on desktop. The screens on mobile…
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Bank Points Overviews

Plastiq Review: Pay Rent, Mortgage, Tuition Fee with a Credit Card! (2019.6 Update: More Countries Are Supported)

physixfan 2019-06-07 2019-06-07 34 Comments

2019.6 Update: Previously Plastiq only support payments to USA and Canada. Now they have add some more supported countries or regions: China, Hong Kong, and Singapore. HT: Plastiq Blog. Introduction Plastiq is a 3rd-party payment processor that offers the ability to pay any type of bill (such as rent, mortgage, tuition fee, etc.) with a credit (or debit) card for…
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Credit Card Companions

AmEx Gold Card Review (2019.6 Update: Several Positive Changes)

physixfan 2019-06-06 2019-06-07 90 Comments

American Express Gold Card (Formerly Premier Rewards Gold) Review 2019.6 Update: There are several changes to this card today: (1) you can now earn 4x at worldwide restaurants (previously limited within the US); (2) The rose gold design returns, until 7/17; (3) Boxed is added to the list to earn the $120 dining credit. 2019.1 Update: The regular offer dropped…
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AmEx

American Express (AmEx), Charge Card, Dining Card, Grocery Card, Membership Rewards (MR), Metal Card, No Foreign Transaction Fee

AmEx Hilton Credit Card Review (2019.6 Update: Ascend/Aspire 150k Upgrade Offer, Public Link!)

physixfan 2019-06-05 2019-06-07 91 Comments

The Hilton Honors American Express Card Review 2019.6 Update: One of our reader provided a link to upgrade this card to Ascend and Aspire with 150k offer. It seems to be a public link and everyone should be able to use it: Ascend upgrade link Aspire upgrade link (HT: reader forzamilan11) 2019.5 Update: There’s a special link with 75k offer and…
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AmEx

American Express (AmEx), Hilton, Hotel Credit Card, No Annual Fee, No Foreign Transaction Fee

Estimated Values for Bank Points, Airline Miles, and Hotel Points (2019 Update)

physixfan 2019-06-04 2019-06-04 170 Comments

2019.6 Update: This table is fully updated today. Recently I will also update estimated values for points/miles in other places in this website, during this time if you see any inconsistency, use this table as the most up to date info. There are many ways to use points and miles, therefore the game of points and miles is not a…
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Bank Points Overviews

“Stud Card”: How to See Increased Sign-up Bonuses from AmEx (via Incognito Mode) from Referral Links (2019.6 Update: More Stud Cards)

physixfan 2019-06-03 2019-06-03 73 Comments

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 links. These days, it seems AmEx has made some changes to their referral program, and here’s a summary of what we…
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AmEx Summaries

Best Credit Card Signup Bonus Offers in Jun 2019

physixfan 2019-06-02 2019-06-04 34 Comments

Earning credit card signup bonuses is one of the best way to acquire a large amount of miles/points in a short period of time and can lead to a 20% or more return on your spending. By combining great signup bonuses with rewards credit cards that provide the best return on everyday purchases, you will be amazed how many free flights or…
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Credit Cards Comparison

Best Sign-Up Bonus

BoA Alaska Credit Card Review (2019.6 Update: 40k Offer)

physixfan 2019-05-31 2019-06-10 59 Comments

BoA Alaska Airlines Visa Signature Card Review 2019.6 Update: The 40k+$100 offer is expired. The current offer is the usual 40k offer. 2019.5 Update: New benefits arrived: Enjoy 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases. They are not very exciting but it is always good to see new benefits added. 2019.5…
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BoA

Airline Credit Card, Alaska Airlines (AS), Bank of America (BoA), No Foreign Transaction Fee

AmEx Delta Reserve Business Credit Card Review (2019.5 Update: 80k Offer!)

physixfan 2019-05-30 2019-05-30 38 Comments

Delta Reserve for Business Credit Card from American Express Review 2019.5 Update: The new offer is 80k Miles+5k MQM, and this is the best ever offer. Offer ends on 2019.07.02. Application Link AmEx Delta Reserve Business Benefits 80k Miles + 5k MQM offer: Earn 80,000 Delta miles after spending $6,000 in the first 3 months, as well as 5,000 Medallion Qualification…
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AmEx Business Card

Airline Credit Card, American Express (AmEx), Delta Air Lines (DL), No Foreign Transaction Fee, Premium Credit Card

AmEx Platinum Delta SkyMiles Business Credit Card Review (2019.5 Update: 80k+$100 Offer)

physixfan 2019-05-30 2019-05-30 15 Comments

Platinum Delta SkyMiles Business Credit Card from American Express Review 2019.5 Update: The 80k Miles+5k MQM+$100 offer is back, and this is the recent best offer. Offer ends on 2019.07.02. Application Link AmEx Platinum Delta SkyMiles Business Benefits 80k Miles+5k MQM+$100 offer: earn 80,000 Miles and 5,000 Medallion Qualification Miles (MQM) after spending $6,000 in first 3 months (Note that MQMs are…
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AmEx Business Card

Airline Credit Card, American Express (AmEx), Delta Air Lines (DL), No Foreign Transaction Fee