Author Archive: Geo

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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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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Changes to the Chase Sapphire Preferred (CSP) & Reserve (CSR) Now in Effect!

Chase has implemented a number of positive changes to both the Sapphire Reserve and Sapphire Preferred cards, which go into effect today (August 16, 2021). There will be no immediate impact to the annual fee for either card. The changes identified below will be available immediately to new account holders and apply to existing accounts after the annual cardmember anniversary….
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AmEx Green Card Review (2021.8 Update: 50k Offer)

American Express Green Card Review 2021.8 Update: 50k offer shows up again in incognito mode. If you can’t see it, please try to use a VPN. 2021.5 Update: The current offer is 45k. 2021.3 Update: There’s 50k offer plus +$200 home improvement credit. That’s the best ever offer on this card. Application Link AmEx Green 50k – It is possible to see…
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AmEx Blue Business Plus Credit Card Review (2021.7 Update: 15k Offer; 40k/50k Targeted Offer)

Blue Business Plus Credit Card from American Express Review 2021.7 Update: The new public offer is 15k (increased from 10k). 2021.6 Update: There’s a new 40k targeted offer you can try. 2021.3 Update: There’s 50k targeted offer. HT: DoC. It’s a fantastic offer but I think only a few people get targeted. Application Link AmEx Blue Business Plus 15k Public…
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Amex Business Gold Card Review (2021.6 Update: 90k Offer; 100k Targeted Offer)

American Express Business Gold Card Review 2021.6 Update: There are 90k and 100k targeted offers you can try. 2021.5 Update: There is a 90k offer after spending $10,000 in the first 3 months! You may need to use incognito mode or even a VPN to see it. This is the best offer in recent years. Application Link AmEx Business Gold 90k Public…
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Amex Business Platinum Card Review (2021.6 Update: 150k Offer; 160k Targeted Offer)

The Business Platinum Card from American Express Review 2021.7 Update: This card now also have the $179 clear credit. 2021.6 Update: There are 150k and 160k targeted offers you can try. 2021.5 Update: There is a 150k offer after spending $15,000 in the first 3 months! You may need to use incognito mode or even a VPN to see it….
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US Bank Altitude Reserve Credit Card Review (2021.3 Update: 50k Offer; $325 Credit Can Be Used On Dining Permanently)

US Bank Altitude Reserve Visa Infinite Card Review 2021.3 Update: The $325 travel credit now can be used on dining permanently (perviously it was a temporary benefit for COVID). This change is really nice. Also, the annual fee for authorized user is now $0 (perviously $75). The authorized user card is basically useless though. It does not come with a…
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Ink Business Preferred℠ Credit Card Review (2020.6 Update: 100k Offer)

Ink Business Preferred℠ Credit Card‎ Review 2020.6 Update: The 80k offer is expired. There is only 100k offer (with high spending requirement) now. 2020.3 Update: There is a new 100k offer, which requires $15k spending in 3 months. This spending requirement is huge. The 80k offer links are still alive, which only requires $5k spending in 3 months. You can choose…
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Citi® Double Cash Card Review (2020.1 Update)

Citi® Double Cash Card (DC) Review [2019.9 Update]: This card has been revamped. Now cashback can be transferred to Citi ThankYou Points (TYP) at a ratio of 1:1, meaning every dollar spent on the DC earns the equivalent of 2 TYP. If you have the Citi Premier or Citi Prestige and are able to redeem points at 1.25 cents per…
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Hyatt Residence Club Coconut Plantation (Bonita Springs, Florida) – Trip Report

Introduction The Hyatt Residence Club (HRC) Coconut Plantation is located in Bonita Springs on Florida’s Gulf Coast. It is one of sixteen timeshare properties in the HRC portfolio, including one of five in Florida. Earlier this year I was solicited by HRC for a three-night stay at the Coconut Plantation wherein we would pay $262 including taxes and receive three…
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Hyatt Residence Club Coconut Point Timeshare Promo – Bonita Springs, Florida [TARGETED]

Introduction Earlier this year I received a promotional email from Hyatt offering a three night stay at the Hyatt Residence Club (HRC) Coconut Plantation located in Bonita Springs, Florida. For $262 including all taxes and fees, I would receive a $100 room credit or 10,000 World of Hyatt points and three nights in a one-bedroom king condominium. The catch? I’d…
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Guide to the FICO Credit Score

Introduction A credit score is a three-digit number that represents “creditworthiness,” or the degree of perceived risk a lender is assuming by providing an individual with credit.  A credit score is generated through a statistical analysis of a credit report based on five primary factors, including payment history, amount of outstanding debt owed, length of credit history, types of credit,…
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