Author Archive: physixfan

“Stud Card”: How to See Increased Sign-up Bonuses from AmEx (via Incognito Mode) from Referral Links (2020.2 Update: No Longer A Valid Concept)

2020.2 Update: It seems the concept of “stud card” is no longer valid. All amex cards have the same effect now. 2019.5 Update: According to data points on reddit, AmEx Biz Gold and Biz Platinum now become “stud cards” as well. They have the highest referral bonuses, so if you have them, they are the best cards to generate referral…
Read more

Welcome to FTU Chicago 2019!

Frequent Traveler University (FTU) is the world’s premier educational series of seminars for frequent travelers. It holds several seminars every year in varies cities. The topics are usually about maximizing points and miles, credit card strategies, and Manufactured Spending (MS), etc. It is a great honor that several authors from our website are invited to speak at the upcoming event: FTU Chicago! The…
Read more

US Bank Radisson Premier Visa Signature Credit Card Review (2022.4 Update: Discontinued)

US Bank Radisson (Formerly Club Carlson) Premier Rewards Visa Signature Credit Card Review 2022.4 Update: This card is now discontinued, and existing cards will be automatically converted to US Bank Altitude Go in May 2022. 2019.4 Update: There’s a 120k offer now! Application Link US Bank Radisson Premier Visa Signature Benefits 120k offer: earn 120,000 Radisson points after spending $3,000 within the first 90…
Read more

Wells Fargo Propel AmEx Credit Card Review (Discontinued)

Wells Fargo Propel American Express Card Review 2021.4 Update: This card is discontinued on 2021.4.20. Application Link This card no longer accepts new applications. If you have this legacy credit card, you can still enjoy its original benefits. Benefits 20k offer: earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. The recent best public…
Read more

AmEx Marriott Bonvoy Credit Card Review (2019.8 Update: Still Available via Product Change)

Marriott Bonvoy American Express Card (Formerly The Starwood Preferred Guest Credit Card from American Express) Review 2019.8 Update: This card is still available via product change. 2019.2 Update: AmEx SPG is rebranded as AmEx Marriott Bonvoy for current card holders (it does not accept new applications). Application Link This card is no longer available to apply, but you can get it by…
Read more

AmEx Platinum Card for Ameriprise Review (Discontinued)

Platinum Card from American Express for Ameriprise Financial Review 2019.10 Update: It seems this card is discontinued. The previous application link shows this offer is no longer available; and the Ameriprise website now only shows two Visa cards. R.I.P. 2019.2 Update: The card does not offer first year AF waiver anymore. Instead, it now comes with the standard sign-up bonus: 60k MR…
Read more

Citi Prestige® Credit Card Review (2021.7 Update: Discontinued)

Citi Prestige® Credit Card Review 2021.7 Update2: It seems this card is indeed discontinued. HT: Bloomberg, OMAAT. 2021.7 Update: The application link is gone. Not sure whether Citi is going to make some change of this card or it will just discontinue. 2019.9 Update: The following negative changes are in effect in Sep 1 2019: 4th night free benefit will be limited…
Read more

Welcome to FTU Seattle 2019!

Frequent Traveler University (FTU) is the world’s premier educational series of seminars for frequent travelers. It holds several seminars every year in varies cities. The topics are usually about maximizing points and miles, credit card strategies, and Manufactured Spending (MS), etc. It is a great honor that our author flywithchad, DEVGRU and I are invited to speak at the upcoming event: FTU Seattle! Flywithchad…
Read more

Citi Rewards+℠ Student Card Review (Discontinued)

Citi Rewards+℠ Student Card Review 2020.6 Update: This card is removed from Citi, and all existing application links seem dead. Maybe it is discontinued. Application Link This card no longer accepts new applications. If you have this legacy credit card, you can still enjoy its original benefits. Benefits 2.5k offer: earn 2,500 ThankYou Points after spending $500 in first 3…
Read more

List of Recently Launched Good Credit Cards (2018.12 Update)

2018.12 Update: 2018 will end soon, so this post is updated accordingly. Things change fast in the credit card game. There are always some cards discontinued every year, and there are also some good new cards launched every year. In this post, a list of recently launched good credit cards are presented in chronological order. The definition of “good” is subjective,…
Read more

Citi ThankYou Preferred Credit Card Review (2019.9 Update: Still Available via Product Change)

Citi ThankYou Preferred Card Review 2019.9 Update: You can still get this card via product change. Application Link This card is no longer available to apply, but you can get it by converting from other Citi credit cards. Benefits Earn 15,000 ThankYou Points after spending $1,000 in first 3 months.  We estimate that ThankYou Points (TYP) are worth about 1.6…
Read more

Best Savings Accounts & MMA with Top APY in Jul 2021

Emergency fund is a good thing for everybody, and we should put them in a high yield Savings Account or MMA (Money Market Account). Here’s a ranking of Savings Accounts & MMA with top APY (Annual Percentage Yield): Note: only the accounts with $0 monthly fee, available online, and FDIC insured (up to $250,000 per person) are included. These days…
Read more