Author Archive: physixfan

Discover AAA Savings Account Review (2017.11 Update: $150/$200 Offer Is Expired)

Discover AAA Savings Account Review 2017.11 Update: The bonus is expired. Application Link Discover AAA Savings, offer code: AAABONUS 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 AAA member to open this account and get the…
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Merrill Plus Visa Signature Credit Card Review (Discontinued)

MERRILL+ Visa Signature Credit Card Review 2017.8 Update: According to Frequent Miler’s source, this card may be discontinued in Sept, so this is the last chance to get this card! The sign-up bonus is worth about $500~$1000, and you can get this card more than once (as long as your credit history is good enough to get approved). So act fast…
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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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