Author Archive: physixfan

AmEx Platinum Card for Morgan Stanley Review (2025.5 Update: 150k Offer)

The Platinum Card from American Express Exclusively for Morgan Stanley Review 2024=5.5 Update: The new offer is 150k! 2024.8 Update: The 125k welcome offer is expired. The current offer is 80k. 2024.5 Update: The new offer is 125k! Application Link AmEx Platinum Card for Morgan Stanley. You need to have a Morgan Stanley brokerage account in order to apply for this card….
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AmEx Platinum Card for Schwab Review (2025.5 Update: 125k Offer)

American Express Platinum Card for Schwab Review 2025.5 Update: The new welcome offer is 125k! In terms of points alone, this is the highest welcome offer ever offered for this card. Offer ends on 6/11. 2025.1 Update: The higher welcome offer is expired. The current offer is only 80k. 2024.11 Update: The new welcome offer is 125k! In terms of…
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AmEx Schwab Investor Credit Card Review (2025.5 Update: $300 Offer)

Schwab Investor Card from American Express Review [2025.5 Update] The new welcome offer is $300. [2025.1 Update] The welcome offer is back to $200. [2024.11 Update] The new welcome offer is $300. Application Link AmEx Schwab Investor. You need to have a Charles Schwab Brokerage Account in order to apply for this card. Benefits $300 offer: earn $300 statement credit after spending $1,000…
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Chase Sapphire Preferred® (CSP) Review (2025.5 Update: 100k+$100 Offer! Ending On 5/15)

Chase Sapphire Preferred® Card Review 2025.5 Update2: The 100k offer will expire at 9 AM EST on 5/15/2025. We are not sure when the Rakuten +$300 offer will expire. [Update] The Rakuten +$300 offer is lowered to +$100. 2025.5 Update: Third party website Rakuten is giving an extra $300 for CSP! The Rakuten cashback can be converted to MR points…
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Chase Freedom Unlimited® (CFU) Review (2025.5 Update: $200+$75 Offer)

Chase Freedom Unlimited® Review 2025.5 Update: Third party website Rakuten is giving an extra $150 for CFU! The Rakuten cashback can be converted to MR points so it can also be seen as 15k MR points. [Update] The Rakuten +$150 offer is lowered to +$75. 2025.3 Update: The welcome offer is changed from $200 to $250. [2025.5 Update] The $250…
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Citi Rewards+® Card Review (2025.5 Update: Not Available for Application But Available for Product Change)

Citi Rewards+® Card Review 2025.5 Update: According to FM’s reports, although you can’t apply for this card any more, you can still do product change to this card. 2025.4 Update: The application link shows “page not found”. It seems this card is discontinued. The existing card holders should be able to enjoy the benefits, at least for now. 2024.1 Update:…
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United℠ Explorer Card Review (2025.4 Update: 90k Offer!)

United℠ Explorer Card (Chase UA Explorer) Review 2025.4 Update: There’s a new link with better offer: earn 5k more miles upon approval when you use your United agent‘s promotional code, and earn 5k more miles when you add an authorized user in the first 3 months. That’s 90k miles in total. “United agent‘s promotional code” should be obtained when you…
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United Quest℠ Card Review (2025.4 Update: 100k Offer!)

United Quest℠ Card (Chase UA Quest) Review 2025.4 Update: There’s a new link with better offer: earn 5k more miles upon approval when you use your United agent‘s promotional code, and earn 5k more miles when you add an authorized user in the first 3 months. That’s 100k miles in total. “United agent‘s promotional code” should be obtained when you…
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Bilt Mastercard Review: Pay Rent & Earn Rewards, Points Transferrable to Hyatt, UA, AS…(2025.4 Update: New Transfer Partner Southwest 1:1)

Bilt Mastercard® Review 2025.4 Update: New transfer partner: Southwest Airlines (WN). The transfer ratio is 1:1. It’s great to see Bilt adding more and more transfer partners. 2024.10 Update: 2 new transfer partners: Accor (3:2) and TAP (1:1). Accor points are worth fixed 2 euro cents/point, therefore Bilt points will be worth fixed 1.33 euro cents/point or about 1.46 cents/point…
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Capital One Venture X Business Credit Card Review (2025.4 Update: 350k Offer)

Capital One Venture X Business Credit Card Review 2025.4 Update: The new offer is 150k-350k. The spending requirement is crazily high, therefore it is only suitable for those who have a huge amount of spending. 2024.3 Update: The offer now is $150k with $30k spending requirement. 2024.1 Update: The new offer is 150k-300k. The spending requirement is crazily high, therefore…
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British Airways Visa Signature® Card Review (2025.4 Update: 100k Offer)

British Airways Visa Signature® Card Review 2025.4 Update: The new offer is 100k. 2025.1 Update: The welcome offer is changed to 75k. 2024.9 Update: Current offer is 100k points after $7500 spend within 6 months of account opening. Application Link Chase British Airways Benefits 100k offer: earn 100,000 bonus Avios after spending $7,500 on purchases within the first 6 months….
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US Bank Smartly Credit Card Review (2025.4 Update: Got Nerfed)

U.S. Bank Smartly™ Visa Signature® Card Review 2025.4 Update: Starting from today (2025.4.14), the benefits of this card got nerfed. Existing customers can enjoy the previous benefits, new customers will get the following new changes: Only checking account balances count toward the reward tiers. Savings account and brokerage account don’t count any more. The extra cashback is no longer unlimited,…
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