Author Archive: physixfan

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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Chase Marriott/Ritz-Carlton: Get $15/$25 by Using Apple Pay!

I found this small promo on my Chase Ritz-Carlton credit card when I login to my Chase account, but then I found the promo page is public: https://www.chase.com/digital/digital-payments/ritz-applepay-offer-campaign. Chase Marriott credit card has a similar promo as well: https://www.chase.com/digital/digital-payments/applepay-offer-campaign. Details: To receive your $25 statement credit, use Apple Pay to make 5 purchases with your Ritz-Carlton Rewards Credit Card from May 15 to June…
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CSR is going to change the definition of “annual” for its $300 annual travel credit to card member year? (Update: Confirmed!)

2017.05.22 Update: The official webpage has changed its language: “Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year.*” The change is officially confirmed. We know that, the definition of “annual” of the CSR $300 annual travel credit is 12 months from every December statement (basically calendar year). By this…
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AmEx Platinum Card for Goldman Sachs Review

The Platinum Card from American Express for Goldman Sachs Review This card has been there for years, but we didn’t mention it before. The main reason is that, it requires you to have a Goldman Sachs account to apply. However, you need to have $10M to be eligible to open a Goldman Sachs account. It is said that if you…
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