Author Archive: physixfan

CNB Crystal Visa Infinite Credit Card Review (2019.9 Update: No Sign-up Bonus Now)

City National Bank (CNB) Crystal Visa Infinite Credit Card Review 2019.9 Update: no sign-up bonus now. Also, rumor says this card will remove the $250 air incidental credit benefit for the authorized users, instead there will be a $350 air incidental credit for the whole account. 2019.8 Update: 50k offer is expired. The current offer is 30k. Application Link The…
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Southwest Rapid Rewards® Plus Credit Card Review (2019.9 Update: 40k+20k Offer)

Southwest Rapid Rewards® Plus Credit Card Review 2019.9 Update: The new offer is 40k+20k on all three personal Chase Southwest cards. Application Link Chase Southwest Plus Benefits 40k+20k offer: earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 20,000 points after you spend $12,000 on purchases in the first…
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BoA Virgin Atlantic (VS) Credit Card Review (2019.9 Update: 65k Offer!)

Bank of America Virgin Atlantic World Elite MasterCard 2019.9 Update: The new offer is 65k, the best offer in recent years! Offer ends on 2019.10.31. HT: DoC. 2019.4 Update: The card art is changed quietly. The bonus is also changed. Application Link BoA Virgin Atlantic (BoA VS) Benefits 65k offer: earn 60,000 Virgin Atlantic (VS) miles after the spending $2,000…
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Barclaycard AAdvantage Aviator Red Credit Card Review (2019.9 Update: 60k Offer & First Year Annual Fee Waived)

Barclaycard AAdvantage Aviator Red World Elite MasterCard Review 2019.9 Update: There is a new offer: 60k & first year annual fee waived. This offer does not include Companion Certificate. Offer ends on 2019.10.31. HT: reddit. You are supposed to get the promotional code from your flight attendant when you fly, and he/she should not publish that code online publicly (otherwise maybe his/her boss…
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Charles Schwab Debit Card Review: No ATM Fee Worldwide (2019.9 Update: $100~$500 Bonus)

Charles Schwab Visa Platinum Debit Card (Charles Schwab ATM Card, Schwab Bank High Yield Investor Checking Account) Review 2019.9 Update: The offer generated from referral links are now $100~$500: deposit $1,000 and earn $100, deposit more and get more (see the table below for details), up to $500. The previous offer is $100 offer without deposit requirement. 2019.5 Update: Many people…
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BoA Alaska Business Credit Card Review (2019.9 Update: 42k Offer!)

Alaska Airlines Visa Business Card Review 2019.9 Update: The new offer is 42k + companion fare. HT: FM. Application Link BoA Alaska Business Benefits 42 offer: earn 42,000 Alaska Miles after spending $2,000 in first 3 months. Plus a companion fare in the first year. We value Alaska Miles at 1.8 cents/point (Airline Miles Value), so the 40k+$100 highest sign-up…
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AmEx Marriott Bonvoy Business Credit Card Review (Formerly AmEx SPG Business) (2019.9 Update: 100k Offer Available Again!)

Marriott Bonvoy Business American Express Card (Formerly Starwood Preferred Guest Business Credit Card from American Express) Review 2019.9 Update: The 100k offer has returned! You need to spend $5000 within 3 months to get the 100k Marriott Bonvoy points. This offer expires at 10/23/19. Application Link AmEx Marriott Bonvoy Business (If you can’t open it, try incognito mode) Benefits 100k offer: earn 100,000…
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Summary of Points Transfer Time: UR/MR/TYP/Marriott

One of the key parts in the credit card rewards game is the transferrable points: Chase Ultimate Rewards (UR), AmEx Membership Rewards (MR), Citi ThankYou Points (TYP), and Marriott Bonvoy (MB). The best use of these rewards points is to transferred to airline miles. The transfer relationship is summarized in Wings of the Points — UR/MR/TYP/C1/Marriott Points to Miles Transfer…
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AmEx Hilton Credit Card Review (2019.8 Update: 100k Offer)

The Hilton Honors American Express Card Review 2019.8 Update: Today the 100k offer on this card is back. At the same time the 130k+FN offer for Hilton Surpass/Business cards ends. 2019.7 Update: Today there are quite some changes on Hilton series credit cards. We used to see up to 100k offer for this card, but today it seems the highest…
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British Airways Visa Signature® Card Review (2019.8 Update: 100k Offer & Some New Benefits)

British Airways Visa Signature® Card Review 2019.8 Update: The new offer is 50k+50k. There are also some new benefits: 2x on hotels; Travel Together Ticket; and statement credit on YQ. See below for details. Application Link Chase British Airways Benefits 100k offer: earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening; plus…
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Chase Freedom® Review (2019.8 Update: $200 Offer!)

Chase Freedom® Review 2019.8 Update: The new offer is $200 (i.e. 20k Ultimate Rewards points)! Application Link Chase Freedom Benefits 20k offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in 3 months from account opening.  Earn 5x UR in each quarter’s bonus categories, 1x UR on all other purchases. You need to activate beforehand, and the deadline is the 14th…
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Chase Freedom Unlimited® Review (2019.8 Update: $200 Offer!)

Chase Freedom Unlimited® Review 2019.8 Update: The new offer is $200 (i.e. 20k Ultimate Rewards points)! Application Link Chase Freedom Unlimited (CFU) Benefits 20k offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in the first 3 months. Earn 1.5x UR on everything, no cap! Although this card is advertised as a cash back card, it actually earns Ultimate…
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Barclaycard Wyndham Credit Card Review (2019.8 Update: 45k Offer Is Back)

Wyndham Rewards Visa Signature Card Review 2019.8 Update: The 45k offer is back. Note that the first year annual fee is waived for this offer. HT: reddit. Application Link Barclaycard Wyndham Benefits 45k offer: earn 45,000 Wyndham points after spending $1,000 within the first 90 days. This is the best offer in recent years. Wyndham points are valued around 1.0 cents/point…
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Wings of the Points — UR/MR/TYP/C1/Marriott Points to Miles Transfer Chart (2019.8 Update: UR Adds Partner Emirates)

2019.8 Update2: Chase UR adds a new partner Emirates (EK) Skywards, and the transfer ratio is 1:1. HT: Reddit. 2019.8 Update: Citi TYP has quietly removed transfer partner Garuda Indonesia (GA) GarudaMiles. HT: FM. This is not a big thing because I believe 99.9% of people never used GarudaMiles. But lack of notice is not good. 2019.6 Update: Marriott Bonvoy…
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