Author Archive: physixfan

Bilt Palladium Card Review (New Card, $495 Annual Fee, 50k Bilt Points + $300 Bilt Cash + Bilt Gold Offer)

Bilt Card 2.0: Bilt Palladium Card Review Application Link Bilt Palladium Terms Apply Features and Benefits 50k Bilt Points + $300 Bilt Cash + Bilt Gold Welcome Offer: Earn $300 of Bilt Cash when you apply and get approved; earn 50,000 Bilt Points + Bilt Gold status after spending $4,000 (excluding rent or mortgage) in the first 3 months. This card…
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Bilt Obsidian Card Review (New Card, $95 Annual Fee, $200 Bilt Cash Offer)

Bilt Card 2.0: Bilt Obsidian Card Review Application Link Bilt Obsidian Terms Apply Features and Benefits $200 Bilt Cash Welcome Offer: Earn $200 of Bilt Cash when you apply and get approved. This card earns two different types of rewards: Bilt Points and Bilt Cash, which we’ll explain in detail below. Based on our own valuation (not an official estimate…
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Bilt Blue Card Review (New Card, No Annual Fee, $100 Bilt Cash Offer)

Bilt Card 2.0: Bilt Blue Card Review Application Link Bilt Blue Terms Apply Features and Benefits $100 Bilt Cash Welcome Offer: Earn $100 of Bilt Cash when you apply and get approved. This card earns two different types of rewards: Bilt Points and Bilt Cash, which we’ll explain in detail below. Based on our own valuation (not an official estimate…
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British Airways Visa Signature® Card Review (2026.1 Update: 90k Offer)

British Airways Visa Signature® Card Review 2026.1 Update: The new offer is 90k. HT: DoC. 2025.9 Update: The new offer is 100k. [Expired] 2025.4 Update: The new offer is 100k. [Expired] Application Link Chase British Airways Benefits 90k offer: earn 90,000 bonus Avios miles after spending $5,000 in 3 months. The recent best offer is 100k. We value BA Avios…
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World of Hyatt Credit Card Review (2026.1 Update: 5 FN Offer)

World of Hyatt Credit Card Review 2026.1 Update: The card is currently offering 5 Free Nights. 3 FN after $5000 spend within 3 months of account opening and extra 2 FN after total of $15,000 spend within 6 months. Each FN cert can be used to redeem a standard room award at participating category 1-4 World of Hyatt hotels worldwide. 2025.11…
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Amex Rewards Checking Account (2026.1 Update: $250 Offer)

American Express Rewards Checking Account (Debit Card/ATM Card) Review 2026.1 Update: The new offer is $250. 2025.3 Update: The new offer is $250. Offer expires on April 15, 2025. 2023.9 Update: The new offer is $250. Offer expires on Oct 31, 2023. Application Link AmEx Rewards Checking Benefits $250 welcome offer. See below for the requirements to get this bonus. Offer…
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BoA Alaska Atmos Ascent Credit Card Review (2026.1 Update: 80k Offer Still Alive)

Atmos™ Rewards Ascent Visa Signature® Card Review 2026.1 Update: The 85k offer is expired. Currently there’s only a 60k regular offer. We realized that some link we previously saved still show 80k offer. 2025.8 Update: There’s a 85k offer link now. This is supposed to be the inflight offer, but the application link is retrieved. Application Link BoA Alaska Atmos…
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Chase Freedom Unlimited® (CFU) Review (2025.5 Update: $300 Signup Bonus Offer!)

Chase Freedom Unlimited® Review 2025.12 Update: Current offer is $300 bonus after $500 spend in 3 months! Offer Link Chase Freedom Unlimited (CFU) Benefits $300 offer: earn $300 cash back after spending $500 in the first 3 months. This is the highest regular offer we’ve seen on this card. The theoretical best offer is double cash back (3x) in the…
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Citi® / AAdvantage® Executive World Elite Mastercard® Review (2025.12 Update: 100k Offer)

Citi® / AAdvantage® Executive World Elite Mastercard® (Citi AA Exe) Review 2025.12 Update: The 100k offer has come back. 2025.5 Update: The 100k offer has come back. 2024.5 Update: The 100k offer has come back. Application Link Citi® / AAdvantage® Executive World Elite Mastercard® Benefits 100k Offer: earn 100,000 AA Miles after spending $10,000 in first 3 months. This is…
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Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2025.12 Update: MR->CX Ratio Will Be Lowered To 1:0.8)

2025.12 Update: MR->CX transfer ratio will be lowered from 1:1 to 1:0.8 starting from 2026.3.1. Source: latest billing statement. This is a big loss because CX is one of the better transfer partners. 2025.9 Update: JL is now a transfer partner of Capital One at ratio 1:0.75; QR is now a transfer partner of Capital One at ratio 1:1. 2025.5…
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AmEx Platinum Card for Morgan Stanley Review (2025.11 Update: 80k Offer; E*trade Account Now Eligible!)

The Platinum Card from American Express Exclusively for Morgan Stanley Review 2025.11 Update2: E*trade (now part of Morgan Stanley) account is now eligible to get this card! This is a fantastic news because: previously it is very painful to get a Morgan Stanley account; now everybody can get an E*trade account! 2025.11 Update: The higher welcome offer is expired. The current…
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Citi Regular Checking Review (2025.11 Update: $425 Offer)

Citi Regular Checking (Formerly Citi Basic Banking Package) Review 2024.10 Update: The new offer is $325/$425, the required amount of Enhanced Direct Deposit is $3k/$6k. Because Citi’s “Enhanced Direct Deposit” is super easy to do, we recommend everybody to do the $425 offer. 2025.1 Update: The $450 offer is expired. The current offer is $325. Application Link Citi Regular Checking…
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