Author Archive: physixfan

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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If I Obtained an AmEx Card by Product Changing, Am I Still Eligible for the Sign-Up Bonus?

It is well known that, AmEx has a “once per lifetime” policy for its sign-up bonuses. The exact term is: “Welcome bonus offer not available to applicants who have or have had this product.” But if you dig deep in the credit card game, you should know the concept that: the most important thing is now what the term says;…
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Aspiration Summit Checking Account Review

The Aspiration Summit Account Review Application Link Aspiration Summit Checking Account Benefits NO ATM fee worldwide. Sometimes the ATM side will charge you a fee, but Aspiration will reimburse these fees, this guarantees that no fees will be charged in the end. However, there’s a caveat, see the disadvantages part. When you withdraw cash abroad, you can get local currency automatically, according to…
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AwardHacker Review: The Best Award Flight Search Engine! (2017.11 Update: Added TYP->AV Transfer Partnership)

2017.11 Update: Added the recent TYP->AV transfer partnership. BTW, the recent UA, DL, etc. devaluations are also updated in our system. Those of us who have been doing this long enough have found that it is easy to earn points but very difficult to use them. I believe many of us here have already accumulated millions of points and miles. However, it is…
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AmEx Hilton Surpass Credit Card Review (Old Version) (Discontinued)

Hilton HHonors Surpass Card from American Express Review 2018.1.18 Update: This card is discontinued and replaced by AmEx Hilton Ascend. Application Link This card no longer accepts new applications. Benefits 90k Offer: earn 90,000 HHonors Points after spending $3,000 in first 3 months. The highest sign-up bonus is 125k. We value Hilton HHonors Points at 0.5 cents/point (Hotel Points Value), click here to see how…
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Citi Forward Credit Card Review (Discontinued) (2017.10 Update: Will Be Automatically Converted to Citi TYP on 2018.01.03!)

Citi Forward Card Review 2017.10 Update: According to this reddit thread, Citi Forward will be automatically converted to Citi ThankYou Preferred, and before that date, Citi Forward can not be converted to any card. I called and was told the same info by representative. So, this will reset the 1/24 clock. We will be a few months further way from…
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Deserve PRO Credit Card Review

Deserve PRO Mastercard Review 2020.10 Update: This card is currently invitation based. This company is now focusing on the student card Deserve EDU. Application Link This card is currently invitation based. Benefits $30 offer: earn $30 after making one purchase within the first 3 months. Earn 3% cashback on travel and entertainment, earn 2% cashback on restaurants, and earn 1%…
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Citi AAdvantage Gold Credit Card Review (Discontinued)

Citi AAdvantage Gold MasterCard Review 2018.7 Update: It seems this card is 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 Earn 25,000 AAdvantage Miles after spending $750 in first 3 months. We value AA Miles at 1.6 cents/point (Airline Miles Value),…
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Chase Fairmont Credit Card Review (Discontinued) (2017.10 Update: The FN for 6k Spending Has Posted!)

Chase Fairmont Visa Signature Card Review 2017.10 Update: The free night certificate for 6k spending has posted! Check it on Fairmont official site. 2017.08.15 Update: If you log in to Chase Ultimate Rewards portal, you will find this card has already been listed as a Chase Sapphire Preferred card now with all its points converted to UR points. For those who…
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Interact on Social Media, Earn Up to 45k Marriott Points Per Year!

Introduction Recently Marriott starts to promote its social media campaigns. Now we can earn Marriott points simply by some clicking! Some notes to keep in mind: You can earn up to 45k Marriott points per year by social media. The points earned in this way won’t postpone the expiration date of Marriott points. Preparation: Connect Your Accounts In order to…
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The Best Looking Credit Cards Poll: Here’s the Results!

Update: Here come’s the results of the poll! The top 10 best looking credit cards are as follows, are they in agree with your choices? #1 Chase Sapphire Reserve (CSR) ($450 annual fee) #2 Chase Sapphire Preferred (CSP) ($95 annual fee) #3 AmEx Platinum ($550 annual fee) #4 AmEx Centurion ($2500 annual fee, invitation only) #5 JP Morgan Reserve ($450 annual fee, requires $10M…
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SelfScore Achieve MasterCard Review (Discontinued) (2017.10 Update: SelfScore is now Deserve)

SelfScore Achieve MasterCard Review 2017.10 Update: SelfScore is now rebranded to Deserve. This card will be automatically converted to Deserve Edu after some time, and you can enjoy the first year Amazon Prime reimbursement as well if you are a current SelfScore card holder. See the official FAQ for more details. Application Link This card no longer accepts new applications. Please move to their…
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Discover AAII Savings Account Review (2017.11 Update: $150/$200 Offer Is Expired)

Discover AAII Savings Account Review 2017.11 Update: The bonus is expired. Application Link Discover AAII Savings, offer code: AAIIBONUS Benefits New account opening bonus of $150/$200! See below for detailed requirements. Apply before 2017.10.31, and deposit at least $15,000/$20,000 before 2017.11.15. According to data points, you don’t have to be an AAII member to open this account and get the…
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