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…
Read more
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…
Read more
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;…
Read more
SSN, the abbreviation for Social Security Number, was originally used for tracking personal tax situations. However, it has increasingly become the actual “identity card” of a person. An SSN is always asked when applying for a new credit card. Because of this, we often feel there can be no credit history without an SSN, which is a common misunderstanding. In fact,…
Read more
Editor’s Note: Rumors say that the AmEx Centurion card can stop bullet and save your life. Can metal cards really stop bullet? We are very honored to have gun enthusiast Long Yu with us to do actual tests! In these tests, we didn’t use AmEx Centurion; instead, we used the heaviest credit card — Chase Ritz-Carlton, which weighs 28g and is about…
Read more
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…
Read more
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…
Read more
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…
Read more
Deserve PRO Mastercard Review 2020.10 Update: This card is currently invitation based. This company is now focusing on the student card Deserve EDU. [Update] Later on this card is quietly discontinued. 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,…
Read more
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),…
Read more
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…
Read more
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…
Read more
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…
Read more
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…
Read more
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…
Read more
