Author Archive: physixfan

Comparing the Benefits of Different Flavors of AmEx Platinum Cards (2020.1 Update)

AmEx Platinum has several flavors. Their sign-up bonuses are independent, so you can get each one of them. The benefits are basically the same, but with a few differences. This post summarize the comparisons between all these flavors. Here are the links to the reviews of all these cards: AmEx Platinum regular version AmEx Platinum for Schwab AmEx Platinum for…
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Old Chase Marriott Premier Credit Card Review (Discontinued)

Chase Marriott Rewards Premier Credit Card Review 2019 Update: You can upgrade this card to the new Chase Marriott Bonvoy Boundless card. Here is the upgrade link. The best upgrade offer recently seen is 50k. Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original…
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Wells Fargo Rewards Credit Card Review (Discontinued)

Wells Fargo Rewards Card Review 2021.4 Update: This card is discontinued on 2021.7.1. 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 points when you spend $1,000 in purchases in the first 3 months. Earn 5x rewards points on gas, grocery, and drugstore purchases…
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Wells Fargo Visa Signature Credit Card Review (Discontinued)

Wells Fargo Visa Signature Card Review 2021.4 Update: This card is discontinued on 2021.7.1. 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 points when you spend $1,000 in purchases in the first 3 months. [Expired] Earn 5x rewards points on gas, grocery, and…
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AmEx Platinum Card for Mercedes-Benz Review (Discontinued)

Platinum Card from American Express Exclusively for Mercedes-Benz Review 2019.1 Update: This card will be automatically converted to the regular AmEx Platinum card, see here for official FAQs. Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits Earn 60,000 Membership Rewards (MR)…
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Old Chase IHG Credit Card Review (Discontinued)

Chase IHG Rewards Club Select Credit Card Review Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Please check the new Chase IHG co-branded card: Chase IHG Premier. Benefits 60k+5k offer: earn 60,000 IHG points after $1000 spending in 3 months, and earn 5,000 additional points…
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HSBC Gold Credit Card Review (Discontinued)

HSBC Gold Credit Card Review 2021.12 Update: HSBC now only keeps the Premier business in the US, and this card is now discontinued. Application Link HSBC Gold Benefits 0% Introductory APR on Purchases and Balance Transfers for the first 18 months from Account opening. No annual fee. Disadvantages No sign up bonus. No rewards. Balance transfer fee still exists: A Balance Transfer…
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HSBC Cash Rewards Credit Card Review (Discontinued)

HSBC Cash Rewards Credit Card Review 2021.12 Update: HSBC now only keeps the Premier business in the US, and this card is now discontinued. Application Link HSBC Cash Rewards Benefits Earn 1.5% cash back on all purchases. No annual fee. Disadvantages No welcome offer. Recommended Application Time We recommend you apply for this card after you have a credit history…
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Sallie Mae (SM) Credit Card Review (Discontinued)

Sallie Mae (SM)

Sallie Mae Credit Card (SM) Review 2018.3 Update: This card will be automatically converted to Barclaycard Rewards Credit Card (Discontinued) (HT: DoC). This is also a useless card. No idea what Barclaycard is doing here. 2016.12 Update: This card will be automatically converted to a card called “Commence by SallieMae Mastercard”. It only offers 2% cashback on Grocery & Utility and 1%…
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Anbang Insurance, Which Nearly Bought SPG, Is Now Taken Over By The China Insurance Regulatory Commission

I believe many of you still remember that Marriott and Anbang Insurance became the last two players to buy SPG after SPG Hotel Group revealed its willingness to sell itself in 2016. At that time, the two sides constantly offered higher prices. At some stage, the Anbang Insurance Group prevailed, and offered a price that Marriott can not afford. What’s…
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Costco Anywhere Visa® Business Card by Citi Review (2019.12 Update)

Costco Anywhere Visa® Business Card by Citi Review Application Link Costco Anywhere Visa® Business Card by Citi Benefits Earn 4% cash back at gas stations worldwide (including Costco gas station); 3% cash back at restaurants and eligible travel spending worldwide; 2% cash back at Costco and Costco.com; 1% cash back on other purchases. No annual fee if you are a…
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Barclays Ring Credit Card Review (Discontinued)

Barclays Ring MasterCard Review 2019.6 Update: This card is currently unavailable because Barclays is “re-thinking” this brand. Application Link This card no longer accepts new applications. If you have this legacy credit card, you can still enjoy its original benefits. Benefits Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a…
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BoA BankAmericard Credit Card Review

BankAmericard Credit Card Review Application Link BoA BankAmericard Benefits Introductory 0% APR for your first 15 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. Introductory $0 balance transfer fee for the first 60 days your account is open. No annual fee. Disadvantages No sign up bonus. No rewards. Recommended Application Time The time…
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List of Credit Cards with No Foreign Transaction Fee (FTF) (2018.2 Update)

When using your credit cards abroad, you usually need to pay a 2%~3% Foreign Transaction Fee (FTF). Some credit cards do not charge this fee, and thus are very suitable for using abroad. Here are some common credit cards with no FTF. Note: Aside from the Foreign Transaction Fee, Visa/MasterCard may also charge a Dynamic Currency Conversion (DCC) Fee, which can be…
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Chase Marriott Bonvoy Business Credit Card Review (Discontinued)

Chase Marriott Bonvoy Premier Business Credit Card Review 2019.2 Update: This card is now discontinued. Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits 75k offer: Earn 75,000 Marriott Points after spending $3000 in 3 months. The best offer is 100k offer, but we…
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