Author Archive: physixfan

British Airways Visa Signature® Card Review (2021.6 Update: 100k Offer)

British Airways Visa Signature® Card Review 2021.6 Update: The new offer is 100k, and this time the spending requirement is not so huge any more: $5,000 in 3 months. 2021.2 Update: The welcome offer is now 50k + Travel Together Ticket. 2019.8 Update: The new offer is 50k after $3k spend and an another 50k after an additional $20k spend….
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Citi Custom Cash Credit Card Review (New Card, 20k TYP Offer, 5x TYP on Top Spending Category)

Citi Custom Cash Mastercard Review Application Link Citi Custom Cash Benefits 20k offer: earn 20,000 ThankYou Points after spending $750 in first 3 months. We estimate that ThankYou Points (TYP) are worth about 1.6 cents/point, see below for a brief introduction. So the 20k highest sign-up bonus is worth about $320. Earn 5x TYP on purchases in your top eligible…
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AmEx Schwab Investor Credit Card Review (2021.6 Update: $200 Offer)

Schwab Investor Card from American Express Review [2021.6 Update] The $200 signup bonus after $2k spend has returned. [2020.11 Update] The $200 signup bonus is expired. The current offer is just $100. Let’s wait for higher offer to appear again. [2020.9 Update] The $200 signup bonus after $2k spend has returned and is valid until November 4, 2020. Application Link AmEx Schwab Investor. You…
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Chase Sapphire Preferred® (CSP) Review (2021.6 Update: 100k Offer! First Year AF Waived In Branch!)

Chase Sapphire Preferred® Card Review 2021.6 Update2: The offer is 100k + first year annual fee waived in branch! [Update] It seems not all bankers see the 100k offer, please make sure you see 100k before applying! 2021.6 Update: The new offer is 100k, and this is the best ever offer on this card! 2021.3 Update: The new offer is…
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Chase Amazon Prime Credit Card Review (2021.6 Update: $150 Offer)

Chase Amazon Prime Rewards Visa Signature Card Review 2021.6 Update: The new offer is $150 (for both Amazon and Whole Foods Market versions). 2021.2 Update: The offer (for the Amazon version) is now only $70. There’s a new version of this card: the Whole Foods Market version. The card benefits are the same, and the only difference is the welcome…
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IHG® Rewards Club Premier Credit Card Review (2021.5 Update: 150k Offer + First Year AF Waived)

IHG® Rewards Club Premier Credit Card Review 2021.5 Update: The new offer is 150k and first year annual fee waived. This is the best offer on this card. 2021.4 Update: There’s a 125k+1FN offer, the FN can be used on hotels up to 40k points. The previous 140k+$50 is still alive. Which one is better depends on the value of…
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Southwest Rapid Rewards® Plus Credit Card Review (2021.5 Update: 65k Offer)

Southwest Rapid Rewards® Plus Credit Card Review 2021.5 Update: The new offer is 65k. 2021.3 Update: The offer is only 40k now. 2021.2 Update: There’s a new 30k+CP offer, which requires $5,000 spending in 3 months. The CP (Companion Pass) expires on 2/28/2022. 2020.12 Update: The new offer is 50k+30k. Application Link Chase Southwest Plus Benefits 65k offer: earn 65,000…
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Southwest Rapid Rewards® Premier Credit Card Review (2021.5 Update: 65k Offer)

Southwest Rapid Rewards® Premier Credit Card Review 2021.5 Update: The new offer is 65k. 2021.3 Update: The offer is only 40k now. 2021.2 Update: There’s a new 30k+CP offer, which requires $5,000 spending in 3 months. The CP (Companion Pass) expires on 2/28/2022. 2020.12 Update: The new offer is 50k+30k. Application Link Chase Southwest Premier Benefits 65k offer: earn 65,000…
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Southwest Rapid Rewards® Priority Credit Card Review (2021.5 Update: 65k Offer)

Southwest Rapid Rewards® Priority Credit Card Review 2021.5 Update: The new offer is 65k. 2021.3 Update: The offer is only 40k now. 2021.2 Update: There’s a new 30k+CP offer, which requires $5,000 spending in 3 months. The CP (Companion Pass) expires on 2/28/2022. 2020.12 Update: The new offer is 50k+30k. Application Link Chase Southwest Priority Benefits 65k offer: earn 65,000…
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What Is Chase 5/24 Rule and How to Bypass It (2021.5 Update: AmEx New Account Report Timing Changed)

2021.5 Update: AmEx used to report new account to credit bureaus after 2 statements, and people used to use this fact for timing the Chase and AmEx cards applications. However, new data points show that AmEx now reports new accounts (including credit cards and charge cards) when the 1st statement is generated. HT: Connor Li & Reddit. Chase is one of…
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Citi Premier® Card Review (2021.6 Update: 70k/60k Offer)

Citi Premier® Card Review 2021.6 Update: In the Recommended Application Time section, we used to say “Citi values the number of recent hard pulls a lot, we recommend you apply when there’s less than 6 hard pulls in the past 6 months.” However, recent data points show that for this specific card you need to have less than 3 hard pulls…
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Barclays AAdvantage Aviator Red Credit Card Review (2021.5 Update: 60k Offer&First Year Annual Fee Waived)

AAdvantage® Aviator® Red World Elite Mastercard® Review 2021.5 Update: There’s a 60k + first year annual fee waived offer, HT: MeiKaGongLve. You are supposed to ask your flight attendant for a 6 digit code and enter it in the landing page, but it seems you can enter any 6 digit code such as 999999 and go on with the application….
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Delta SkyMiles® Gold Card from American Express Review (2021.5 Update: 70k+20k Offer!)

Delta SkyMiles®Gold Card from American Express Review 2021.5 Update: There’s now a 70k+20k offer via dummy booking on delta.com, if you “Shop by Miles”. You may also see 70k+$200, if you “Shop by cash”. 2021.4 Update: The public link now shows a 75k offer, you may need to use incognito mode to see it. But the 70k+$200 offer is still…
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Capital One SavorOne Cash Rewards Credit Card Review (2021.5 Update: Added 3% CB on grocery, entertainment, and streaming!)

Capital One SavorOne Cash Rewards Credit Card Review 2021.5 Update: Capital One improved the earning structure, you can now earn: 3% cashback on dining, grocery, entertainment, and streaming. Previously it was only 2% on grocery and no bonus points for entertainment and streaming. This is a nice improvement, and don’t forget Capital One improved its Miles system a lot in…
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