Author Archive: physixfan

A Picture Is Worth A Thousand Words: What Are Merrill+, FlexPerks, UBS Points Worth?

(Repost because of the news of the Merrill+ credit card.) The redemption structure Merrill+, FlexPerks, UBS points are all based on tiers. If we look at the official description, it may be difficult to get an intuitive points value. A picture is worth a thousand words, let me show you the picture! Merrill+ Points Value Currently basically only the Merrill+ Visa Signature can earn Merrill+ Points. The…
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AmEx EveryDay (ED) Credit Card Review (2021.1 Update: 10k Offer)

The AmEx EveryDay Credit Card (ED) Review 2021.1 Update: It seems the 25k offer is no longer available. The current offer is 10k. 2020.10 Update: The 25k offer comes back. You may need to use incognito mode to see it. Application Link AmEx EveryDay (ED) Benefits 10k offer: earn 10,000 Membership Rewards (MR) Points after spending $1,000 in first 3…
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Yeek Review: The Best Search Engine For Hotel Points Redemption [Services Are Terminated]

2019.5 Update: Yeek is shut down, and services are terminated. Accumulating many hotel points among various hotel chains inevitably leads to the same questions when traveling to a new city: Which hotel in this city is best for a points redemption? Which hotel requires the least amount of points? Can I use my free-night certificates, and is it worth it?…
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Chase AARP Credit Card Review (Discontinued)

AARP Credit Card from Chase Review Application Link This card no longer accepts new applications. The previous cards will be converted to Barclays AARP Essential or Barclays AARP Travel. Benefits $100 sign-up bonus after you spend $500 in the first 3 months from account opening. The highest sign-up bonus is $200. 3% cashback on purchases at restaurants and gas stations, and 1%…
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Luxury Card MasterCard Titanium Card Review

Luxury Card MasterCard Titanium Card Review Application Link Luxury Card MasterCard Titanium Card Benefits This card is really heavy: 22g, it is now the most heavy credit card that an ordinary person can get. Earn 1 point per $1 spent. (Terms and conditions apply.) You can redeem the points at a fixed 2 cents/point value for airfare, and 1 cent/point for…
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Luxury Card MasterCard Black Card Review

Luxury Card MasterCard Black Card Review Application Link Luxury Card MasterCard Black Card Benefits This card is really heavy: 22g, it is now the most heavy credit card that an ordinary person can get. Earn 1 point per $1 spent. (Terms and conditions apply.) You can redeem the points at a fixed 2 cents/point value for airfare, and 1.5 cents/point for cash…
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Don’t Like the New Amex Account Design? Here’s The Link To A (Very) Old Design!

These days, banks are constantly changing their online account design. The intent is good of course: they want users to have better experiences. However, sometimes new designs are worse. Yesterday (2017.06.12), AmEx changed its design again. I feel that the new design is mainly for mobile users. If you visit on your computer/laptop, the information density is very low. Besides, it’s not…
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Citi AT&T Access More Credit Card Review (Discontinued)

AT&T Access More Card from Citi (Citi ATT) Review 2018.12 Update: It seems these days you can’t get it via product change any more, and this card is completely discontinued. 2018.7 Update: It seems it is still possible to get this card via product change. Application Link This card no longer accepts new applications. If you are lucky to have…
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Citi Hilton Reserve Credit Card Review (Discontinued)

Citi Hilton HHonors Reserve Card Review Application Link This card no longer accepts new applications. Benefits Earn 2 weekend night certificates after spending $2500 in first 4 months. We value this bonus at about $600 since you can redeem the free nights at most hotels within the Hilton Portfolio, including some of the most expensive ones. We value Hilton HHonors Point…
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WWDC 2017: Apple Announced Person-to-Person Payment Feature in Apple Pay! Maybe a Great News for Churners?

Apple showed a new person-to-person payment feature in Apple Pay in today’s WWDC 2017. The slide showed that this feature will be built in iMessages. It will be available in this fall. We don’t know much information for now, but the person-to-person payment feature can possibly be huge for churners: Is it free to make a debit card transfer? Does it support credit…
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FNBO TravElite Credit Card Review (Discontinued)

First National Bank TravElite American Express 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. Benefits Earn 25,000 points to redeem for a $250 statement credit, when you spend $2,500 in the first 3 billing cycles. The points earned from this card…
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Chase Marriott: Get $15 by Using Samsung Pay

Direct link: https://www.chase.com/digital/digital-payments/samsungpay-offer-campaign Details: To receive your $15 statement credit, use Samsung Pay to make 5 purchases with your Marriott Rewards Credit Card from May 15 to June 15, 2017. Please allow up to 8 weeks after the qualifying purchase(s) post(s) to your account for the statement credit to post to your Ritz-Carlton Rewards credit account. Chase also have similar promos for…
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