Author Archive: Geo

PSA: Activate Your 5% Bonus Categories for 2020 Q3 Now!

2020.6 Update: 2020 Q3 (Jul., Aug., Sep.) 5% categories are released! Now it’s the time to activate them. A number of credit card issuers have at least one product that offer 5% cashback in categories that rotate every quarter (three months).  If you are a Chase Freedom, Discover It, Citi Dividend, or US Bank Cash Plus cardholder, use the links provided below to activate…
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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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AmEx Blue Business Plus Credit Card Review (2020.6 Update: 10k Offer)

Blue Business Plus Credit Card from American Express Review Application Link Public offer: AmEx Blue Business Plus 10k Targeted offer: AmEx Blue Business Plus 20k (login required). You can also call this phone number and try to ask for this offer: 800-669-6736. Benefits 10k offer: earn 10,000 Membership Rewards (MR) Points after spending $3,000 within the first 3 months. Earn 2x…
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AmEx Green Card Review (2019.12 Update: 45k Offer and Revamped Benefits!)

American Express Green Card Review Update 2019.10 – The Green Card has been reissued with a 30k MR point public offer, new benefits (described below), and a higher annual fee of $150 that is not waived in the first year. There is also available an incognito mode offer of 45k, which is the best available offer on this card. The 45k offer…
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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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Amex Business Platinum Card Review (2020.6 Update: 85k or 100k Offer)

The Business Platinum Card from American Express Review Application Link AmEx Business Platinum 85k Offer, if you only see 75k, please try to use incognito mode or use a VPN. AmEx Business Platinum 100k Targeted Offer, earn 100,000 MR after spending $10,000 in the first 3 months. No direct link, you need to call AmEx and ask and hope for the…
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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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Amex Business Gold Card Review (2020.6 Update: 50k Offer)

American Express Business Gold Card Review Application Link AmEx Business Gold Benefits 50k Offer: earn 50,000 MR after spending $5,000 in the first 3 months. There are various targeted offers on this card frequently which may be better than public offers. We estimate that Membership Rewards (MR) are worth about 1.6 cents/point, see below for a brief introduction. So the 75k highest sign-up…
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US Bank Altitude Reserve Credit Card Review (2020.6 Update)

US Bank Altitude Reserve Visa Infinite Card Review Application Link US Bank Altitude Reserve (only for U.S. Bank customers who have an eligible consumer U.S. Bank account relationship open a minimum of 5 business days prior to submitting an application, otherwise please visit a branch to apply) Benefits 50k offer: earn 50,000 bonus points after spending $4,500 in first 3 months. Points…
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10k AmEx MR Per Account with Pay Over Time (Non-Unique Link + Offer Code)

  [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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