Author Archive: Geo

US Bank Altitude Reserve Credit Card Review (2022.9 Update: 50k Offer; No Long Requires Existing Relatinoship)

US Bank Altitude Reserve Visa Infinite Card Review 2022.9 Update: This card used to require existing US Bank relationship to apply online. Now the requirement is removed. However, it is still recommended to have a US Bank checking account before applying in order to significantly improve approval chance. 2021.3 Update: The $325 travel credit now can be used on dining…
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PSA: Activate Your 5% Bonus Categories for 2022 Q4 Now!

2022.9 Update: 2022 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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Amex Business Platinum Card Review (2022.8 Update: 250k+10k or 170k Offer!)

The Business Platinum Card from American Express Review 2022.8 Update: There’s a new 170k offer with $15k spending requirement. The amount of points is smaller than the 250k+10k offer, but the good thing about this offer is its spending requirement is also smaller. WARNING: using this special link may trigger accounts shutdown by amex! 2022.7 Update: There’s a direct link for…
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Citi® Double Cash Card Review (2022.8 Update: $200 Offer!)

Citi® Double Cash Card (DC) Review 2022.8 Update: The new welcome offer is $200! This is the best offer on this card. 2022.3 Update: This card now earns ThankYou Points (TYP) instead of cashback. Since you can always choose to redeem TYP at a fixed ratio 1 cent/point towards cash, no minimum, and there are more redemption choices, so this…
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Amex Business Gold Card Review (2022.6 Update: 180k+10k Offer via Phone Call!)

American Express Business Gold Card Review 2022.6 Update2: There’s a 180k+10k offer (spending requirement $20k in 6 months, the latter 10k requires adding an authorized user) via phone call, 855-531-3491. Please verify the welcome offer is 180k+10k, not some low ball offer. HT: DoC. 2022.6 Update: There’s a 130k offer via incognito mode. It seems highly YMMV. Screenshot. 2021.6 Update: There are…
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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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AmEx Green Card Review (2022.7 Update: 45k Offer)

American Express Green Card Review 2022.7 Update: The 50k+$150 offer is expired. The current offer is 45k, and you may need to use incognito mode to see it. 2021.8 Update: The card is now offering 50k MR points after $2000 spend in 6 months, plus 20% back on restaurant purchases in the first 12 months, up to $150 back. Screenshot. Application Link…
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World of Hyatt Business Credit Card Review (2022.8 Update: 60k Offer; Double Elite Nights)

World of Hyatt Business Credit Card Review 2022.8 Update: There is a limited time benefit: Apply by 10/6/22 and get the card to receive 2 Tier-Qualifying Night Credits for each night you stay from 8/23/22 through 12/31/22. Application Link Chase World of Hyatt Business Benefits 60k offer: Earn 60,000 World of Hyatt points after spending $5,000 within 3 months of account…
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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 (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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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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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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