Author Archive: physixfan

Discover it Credit Card Review (2021.9 Update: No Credit History Required, $100 Offer)

Discover it Credit Card Review 2021.9 Update: Some users are targeted to generate referral links with $100 welcome offer. The link we use on our site has $100 welcome offer. Application Link Discover it Through this link, you might see the application page for either Discover it or Discover it for Students. Actually these two are equivalent: no matter which…
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US Bank Cash Plus Credit Card Review (2021.9 Update: $200 Offer)

US Bank Cash+ Visa Signature Credit Card Review 2021.9 Update: The new offer is $200. 2021.3 Update: The offer is lowered from $200 to $150. 2021.1 Update: According to an email sent from US Bank, effective February 19, 2021, the following changes wlll also be made to your U.S. Bank Cash+ Visa Signature Card: Cash rewards will expire at the…
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Chase Total Checking Account Review (2021.9 Update: $225 Offer + Additional $100 If Apply For CFU Together)

Chase Total Checking Account Review 2021.9 Update: Chase used to do checking and savings combo offer. There is a new checking and credit card combo offer now: earn additional $100 if you open a checking account and a CFU together. You will get $225 for checking plus $200 (+5x) for CFU and additional $100 for opening both, that’s $525 in total….
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Barclays AAdvantage Aviator Business Credit Card Review (2021.9 Update: 80k Offer)

AAdvantage® Aviator® Business Mastercard® Review 2021.9 Update: The new offer is 80k. However, its spending requirement is larger than the previous 75k offer. 2019.5 Update: There’s a 75k best ever offer now. Application Link Barclays AAdvantage Aviator Business Benefits 80k offer: earn 50,000 AAdvantage Miles after spending $1,000 within the first 90 days, and earn additional 30,000 AAdvantage Miles after spending $6,000…
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World of Hyatt Credit Card Review (2021.9 Update: 30k+15k Offer or $300+1FN(cat7) Offer; Double Elite Nights)

World of Hyatt Credit Card Review 2021.9 Update: There is a new offer on this card: earn $300 in Hyatt credit in the first 12 months, plus earn 1 free night certificate (for up to category 7 Hyatt hotels) after spending $3,000 in the first 3 months. To be honest, this offer is not attractive. Probably many people would find the…
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AmEx Hilton Surpass Credit Card Review (2021.8 Update: 150k+50k Offer)

The Hilton Honors American Express Surpass Card Review 2021.8 Update: The 150k+50k offer is back. You may need to use incognito mode to see it. 2021.7 Update: The previous big offer is expired. The current offer is 130k+first year annual fee waived. 2021.5 Update: The new offer is 150k+50k. Here’s a screenshot. Application Link AmEx Hilton Surpass Benefits 150k+50k offer:…
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ABOC Platinum Rewards Credit Card Review (Discontinued) (2021.8 Update: No 5% CB Any More)

ABOC (Amalgamated Bank of Chicago) Platinum Rewards Credit Card Review 2021.8 Update: The 5% cashback feature will be removed as of Aug 27. You can only earn 1% cashback on all purchases afterwards. HT: DoC. 2021.5 Update: It seems this card is discontinued. 2019.7 Update: There’s no Foreign Transaction Fee (FTF) on this card any more. BTW, the new 5%…
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BoA AAA Credit Card Review (2021.8 Update: No Preferred Rewards Bonus Any More?)

Bank of America AAA Member Rewards Visa Signature® Credit Card Review 2021.8 Update: Something strange is happening to this card: The original application link on BoA is now redirecting to a general credit card list page. The application link on AAA is still alive, but there is no language about the Preferred Rewards program any more in the terms. If the…
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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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Capital One Spark Cash Plus for Business Review (2021.8 Update: New Charge Card, $500+$500 Offer)

Capital One Spark Cash Plus for Business 2021.8 Update: This card is now officially launched, with a $500+$500 welcome offer. 2021.6 Update: This card is newly found by the community, and this card is not listed in the credit card list on Capital One. Probably it is a new card soon to be officially launched. It is nearly identical to…
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Chase Sapphire Preferred® (CSP) Review (2021.8 Update: New Benefits Live! 100k Offer, First Year AF Waived In Branch!)

Chase Sapphire Preferred® Card Review 2021.8 Update 2: New benefits of Sapphire Preferred card are live now: 3x on dining, select streaming services and online grocery (excluding Target, Walmart and wholesales). 5x on travel booked through UR portal. $50 Annual Hotel Credit per cardmember year. Must be booked through UR portal. New cardmember can use this credit now. Existing cardmembers…
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Chase Sapphire Reserve® (CSR) Review (2021.8 Update: New Benefits Live! 70k Offer in Branch)

Chase Sapphire Reserve® (CSR) Review 2021.8 Update: New benefits of Sapphire Reserve card are live now: Earn 10x on points on Chase Dining, hotel and car rentals booked through UR portal. Earn 5x on flights booked through UR portal. 2021.7 Update: There is a 70k offer ($4,000 spending in 3 months) in branch. Note that CSP has a 100k offer currently,…
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Citi Rewards+® Card Review (2021.8 Update: 20k Offer)

Citi Rewards+® Card Review 2021.8 Update: The offer is now 20k. 2021.7 Update: The 25k offer is expired. 2021.5 Update: The new offer is 25k. HT: DoC. Application Link Citi Rewards+® Card Benefits 20k offer: earn 20,000 ThankYou Points after spending $1,500 in first 3 months.  The recent best offer is 25k. We estimate that ThankYou Points (TYP) are worth about…
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Introducing USCreditCardGuide App for iOS & Android (2021.8 Update: Customized Points Value Feature)

2021.8 Update: We added customizing points value feature to the sign up bonus rank. If you can’t see the sort button, please go to settings and click app version to update it to at least version 3.1.60. I believe that many readers have experienced the following problems: how to get notified of big deals which may only last for a…
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