Author Archive: Geo

PSA: Activate Your 5% Bonus Categories for 2024 Q3 Now!

2024.6 Update: 2024 Q3 (Jul., Aug., Sep.) 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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Amex Business Platinum Card Review (2024.5 Update: 250k Offer)

The Business Platinum Card from American Express Review 2024.5 Update: The 300k offer is expired quickly. Currently there’s still a 250k offer, you may need to use incognito mode to see it. 2024.4 Update: There’s a 300k crazy offer now (spending requirement is $20k in 3 months)! You may need to use incognito mode to see it, and it is…
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US Bank Altitude Reserve Credit Card Review (2024.4 Update: 50k Offer; Churnable Now)

US Bank Altitude Reserve Visa Infinite Card Review 2024.4 Update: The terms&conditions has been updated, and this card is now churnable. You just need to wait for 5 years since the previous welcome bonus. HT: USCardForum See. 2022.9 Update: This card used to require existing US Bank relationship to apply online. Now the requirement is removed. However, it is still…
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World of Hyatt Business Credit Card Review (2024.3 Update: 60k Offer)

World of Hyatt Business Credit Card Review 2024.3 Update: There’s only the normal 60k offer now. 2024.1 Update: The new offer is 60k+15k. The latter 15k requires $12k spending in 6 months, which is quite a lot. It may or may not be worth it to do the latter part for you. 2023.10 Update: There’s only the normal 60k offer…
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Amex Business Gold Card Review (2023.11 Update: 150k Offer)

American Express Business Gold Card Review 2023.11 Update: It’s possible to see 150k offer via incognito mode. HT: FM. 2023.10 Update: There are a few revamps on this card, effective today: Small modifications to the 4x categories: removed air tickets and shipping, added transit and wireless phone services. Added: earn 3x MR on amextravel. Added [$20 Business credit] Get $20 statement credit…
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Citi® Double Cash Card Review (2023.11 Update: $200 Offer)

Citi® Double Cash Card (DC) Review 2023.11 Update: The $200 offer is back. 2022.12 Update: The $200 offer is expired. Currently there’s no welcome offer. 2022.8 Update: The new welcome offer is $200! This is the best offer on this card. Application Link Citi® Double Cash Card Benefits 20k offer: Earn 20,000 ThankYou Points (TYP) after spending $1,500 in the…
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AmEx Green Card Review (2023.8 Update: 40k Offer)

American Express Green Card Review 2023.8 Update: The 60k+$200 offer is ending on Aug 23, apply soon if you want this card! [Update] Expired. The current offer is only 40k. 2023.5 Update: The new offer is 60k+$200, which is the best ever offer on this card! 2022.7 Update: The 50k+$150 offer is expired. The current offer is 45k, and you may need…
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Ink Business Preferred® Credit Card Review (2023.7 Update: 100k Offer)

Ink Business Preferred® Credit Card‎ Review 2023.7 Update: The new offer is 100k, with $8k spending requirement (down from $15k spending requirement). Application Link Chase Ink Preferred (CIP) Benefits 100k offer: earn 100,000 Ultimate Rewards (UR) points after spending $8,000 within the first 3 months of card membership. This is the best offer on this card. We estimate that Ultimate…
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US Treasury I-Bonds: How to Buy with a Credit Card and Earn 7.12% APR (with 0% APR float!)

Introduction From consumer spending to miles and points, it is tough to currently identify any market where a currency brings you more value today than a year ago. Inflation crushes purchasing power and in an inflationary environment “cash is trash,” leaving many wondering what to do with their savings account or emergency fund. The US Treasury offers a product called…
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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 Blue Business Plus Credit Card Review (2023.10 Update: 15k Offer)

Blue Business® Plus Credit Card from American Express Review 2023.10 Update: The new public offer is 15k. 2023.6 Update: There’s no welcome offer on this card now. 2021.7 Update: The new public offer is 15k (increased from 10k). Application Link AmEx Blue Business Plus AmEx Blue Business Plus 50k Targeted Offer. If you see “This offer is no longer available”…
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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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