Author Archive: physixfan

Capital One QuicksilverOne Cash Rewards Credit Card Review

Capital One QuicksilverOne Cash Rewards Credit Card Review Learn More Capital One QuicksilverOne Benefits Earn 1.5% cash back on all purchases. Disadvantages $39 annual fee, NOT waived for the first year. No sign-up bonus. Capital One will pull all three major credit bureaus (Experian, TransUnion, Equifax) for one credit card application! Recommended Application Time This card is only suitable for…
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SelfScore Classic MasterCard Review (Discontinued) (2017.10 Update: SelfScore is now Deserve)

SelfScore Classic 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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AmEx Gold Card for Ameriprise Review (Discontinued)

The Gold Card from American Express for Ameriprise Financial Review 2019.2 Update: This Ameriprise Gold card is discontinued along with the change of Ameriprise Platinum that first year annual fee is no longer waived. Application Link This card no longer accepts new applications. Benefits Earn 25,000 Membership Rewards (MR) Points after spending $1000 in first 3 months! This credit card…
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Free Experian FICO score: Credit Scorecard by Discover

Recently Discover announced a tool to check your Experian FICO for free: CreditScorecard.com. This is an important product, because compared to other credit score tools, it has the following advantages: The score is based on Experian (EX), and most banks pull EX nowadays. Although Credit Karma can see many more details, they are from Equifax (EQ) and TransUnion (TU), and you won’t…
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US Bank FlexPerks Gold Credit Card Review (2020.3 Update: 30k Offer)

U.S. Bank FlexPerks Gold American Express Card Review Application Link US Bank FlexPerks Gold Benefits Earn 30,000 FlexPoints after spending $2000 in first 4 months. FlexPoints are worth a fixed 1.5 cents/point towards travel (such as airline, hotel, car rental, etc.), and a fixed 1.0 cent/point towards statement credit. The points are now devalued to 1.0 cent/point fixed value if you…
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Now It Is Possible to Get the $350 AF Offer for Citi Prestige in Branch without Citigold!

Let me first summarize the previous consensus about the annual fee (AF) of the Citi Prestige. If you are a Citigold client, you get a $350 AF offer no matter you apply online or in branch; if you are not a Citigold client, then the annual fee is $450. There was one exception: even if you are not a Citigold client, you could go to a…
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How To Get Free Credit Reports And Scores (2017 Update)

Your credit report and credit score are the determinant factors in getting approved for a credit card, therefore it’s quite necessary for cardholders to pay close attention to these items. How can you access them for free? The first thing you need to know is, there are three official credit bureaus in the US: Experian, Equifax and TransUnion. Once a bank receives an…
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NetSpend Series Review: 5% Interest Rate Savings Accounts (2017.3 Update)

Net Spend/ACE/Western Union/Brinks/H-E-B Savings Accounts Review 2017.3 Update: Some people (HT: DoC) report that the limit for 5% APY has been raised to $2000 starting from Mar 1! That’s double what it was before. However, most of us, including myself, still see a $1000 limit. We don’t know whether the change will apply to everyone soon. 2016.5.31 Update: Starting from Jul 1st, 2016, the…
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AmEx Costco Credit Card Review (Discontinued)

True Earnings Card from Costco and American Express Review Application Link This card no longer accepts new applications. See Citi Costco Credit Card for the new Costco co-brand card. Benefits Earn 3% cash back at US gas station (including Costco gas station); 2% cash back at US restaurant and eligible travel spendings; 1% cash back on other purchases. No annual fee…
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Why I think Anbang will eventually buy SPG and it will be a good thing to us…

Maybe Americans don’t know about the Chinese company Anbang at all. Neither do I several days ago, but some of my friends have some interesting information and insights about it. First of all, we shouldn’t treat Anbang as a usual insurance company. It is so special because its actually bosses, Chen Xiaolu and Wu Xiaohui, are “the Second Generation of…
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Fidelity AmEx (FIA) Credit Card Review (Discontinued)

Fidelity Investment Rewards American Express Card (FIA) Review Application Link This card no longer accepts new applications. See Fidelity Rewards Credit Card for the new Fidelity 2% card. Benefits Earn $50 after spending $500 in first 2 months. Earn 2% cash back on every purchase you make. No annual fee. Disadvantages FIA is an American Express card, which is not…
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Barclays Arrival Credit Card Review (Discontinued)

Barclays Arrival World MasterCard Review 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 have this legacy credit card, you can still enjoy its original benefits. Benefits Earn 20,000 Miles after spending $1,000 in first 3 months. Earn 2 miles per $1 spent…
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