Author Archive: physixfan

Chase Freedom Unlimited® (CFU) Review (2025.5 Update: $300 Signup Bonus Offer!)

Chase Freedom Unlimited® Review 2025.12 Update: Current offer is $300 bonus after $500 spend in 3 months! Offer Link Chase Freedom Unlimited (CFU) Benefits $300 offer: earn $300 cash back after spending $500 in the first 3 months. This is the highest regular offer we’ve seen on this card. The theoretical best offer is double cash back (3x) in the…
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Citi® / AAdvantage® Executive World Elite Mastercard® Review (2025.12 Update: 100k Offer)

Citi® / AAdvantage® Executive World Elite Mastercard® (Citi AA Exe) Review 2025.12 Update: The 100k offer has come back. 2025.5 Update: The 100k offer has come back. 2024.5 Update: The 100k offer has come back. Application Link Citi® / AAdvantage® Executive World Elite Mastercard® Benefits 100k Offer: earn 100,000 AA Miles after spending $10,000 in first 3 months. This is…
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Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2025.12 Update: MR->CX Ratio Will Be Lowered To 1:0.8)

2025.12 Update: MR->CX transfer ratio will be lowered from 1:1 to 1:0.8 starting from 2026.3.1. Source: latest billing statement. This is a big loss because CX is one of the better transfer partners. 2025.9 Update: JL is now a transfer partner of Capital One at ratio 1:0.75; QR is now a transfer partner of Capital One at ratio 1:1. 2025.5…
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AmEx Platinum Card for Morgan Stanley Review (2025.11 Update: 80k Offer; E*trade Account Now Eligible!)

The Platinum Card from American Express Exclusively for Morgan Stanley Review 2025.11 Update2: E*trade (now part of Morgan Stanley) account is now eligible to get this card! This is a fantastic news because: previously it is very painful to get a Morgan Stanley account; now everybody can get an E*trade account! 2025.11 Update: The higher welcome offer is expired. The current…
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Citi Regular Checking Review (2025.11 Update: $425 Offer)

Citi Regular Checking (Formerly Citi Basic Banking Package) Review 2024.10 Update: The new offer is $325/$425, the required amount of Enhanced Direct Deposit is $3k/$6k. Because Citi’s “Enhanced Direct Deposit” is super easy to do, we recommend everybody to do the $425 offer. 2025.1 Update: The $450 offer is expired. The current offer is $325. Application Link Citi Regular Checking…
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Ink Business Cash℠ Credit Card Review (2025.11 Update: $750 Offer; New Bonus Restriction)

Ink Business Cash℠ Credit Card‎ Review 2025.11 Update: The $900 offer is expired. Currently there’s only a 75k offer. BTW, there’s a new bonus restriction on this card: “The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee.” HT: DDG. 2025.9 Update:…
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Capital One Venture X Business Credit Card Review (2025.11 Update: 200k to 400k Offer)

Capital One Venture X Business Credit Card Review 2025.11 Update: The new offer is 200k-400k. This is the best ever offer on this card. The spending requirement is crazily high, therefore it is only suitable for those who have a huge amount of spending. 2024.6 Update: The offer now is $150k with $30k spending requirement. 2025.4 Update: The new offer…
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Capital One Venture X Credit Card Review (2026.1 Update: 75k Offer)

Capital One Venture X Credit Card Review 2026.1 Update: The100k offer is expired. The current offer is 75k. 2025.11 Update: The new offer is 100k! 2023.12 Update: The 90k offer is expired. The current offer is 75k. Learn More Capital One Venture X Benefits 75k offer: earn 75,000 Capital One miles after spending $4,000 in first 3 months. The recent…
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Chase Amazon Prime Credit Card Review (2026.1 Update: $150 Offer)

Chase Amazon Prime Rewards Visa Signature Card Review 2026.1 Update: The offer is now $150. 2025.11 Update: The new offer is $250. 2025.7 Update2: The offer is now $150. 2025.7 Update: The new offer is $250! This is the best ever offer on this card. Offer ends on Jul 14. Application Link Chase Amazon Prime Benefits $150 offer: earn $150 Amazon…
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Southwest Rapid Rewards® Plus Credit Card Review (2025.12 Update: 50k Offer)

Southwest Rapid Rewards® Plus Credit Card Review 2025.12 Update: The higher offer is expired. Currently there’s only a 50k offer. 2025.10 Update: The new offer is 85k. 2025.7 Update: This card is completely renewed, and the annual fee is increased from $69 to $99. The welcome offer is increased to 100k, which is the best ever offer on this card….
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Southwest Rapid Rewards® Premier Credit Card Review (2025.12 Update: 50k Offer)

Southwest Rapid Rewards® Premier Credit Card Review 2025.12 Update: The higher offer is expired. Currently there’s only a 50k offer. 2025.10 Update: The new offer is 85k. 2025.7 Update: This card is completely renewed, and the annual fee is increased from $99 to $149. The welcome offer is increased to 100k, which is the best ever offer on this card….
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Southwest Rapid Rewards® Priority Credit Card Review (2025.12 Update: 50k Offer)

Southwest Rapid Rewards® Priority Credit Card Review 2025.12 Update: The higher offer is expired. Currently there’s only a 50k offer. 2025.10 Update: The new offer is 85k. 2025.7 Update: This card is completely renewed, and the annual fee is increased from $149 to $229. The welcome offer is increased to 100k, which is the best ever offer on this card….
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Chase Sapphire Reserve® (CSR) Review (2025.10 Update: 125k Offer; New Benefits Live For Existing Cardholders)

Chase Sapphire Reserve® (CSR) Review 2025.10 Update: The new benefits are now live for existing cardholders, as of Oct 26. Don’t forget to use them! 2025.9 Update: Currently the $500 The Edit Hotel Credit is given semi-annually, and starting from 2026 it’s changed to: two $250 credits which can be used anytime throughout the year. This is a nice small improvement….
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Citi® / AAdvantage® Globe™ Mastercard® Review (New Card, 90k Offer, $350 Annual Fee)

Citi® / AAdvantage® Globe™ Mastercard® Review Application Link Citi® / AAdvantage® Globe™ Mastercard® Benefits 90k offer: earn 90,000 AAdvantage Miles after spending $5,000 within the first 4 months. We value AA Miles at 1.5 cents/point (Airline Miles Value), so the 90k highest sign-up bonus is worth about $1,350! See A Beginner’s Guide to AA Miles to check for details about AA Miles….
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Bilt Mastercard (Old Version) Review (Discontinued, Bilt 2.0 Three New Cards Launched)

Bilt Mastercard® Review 2026.1 Update: This old version of Bilt card (issued by Wells Fargo) is now discontinued. The three Bilt 2.0 new cards has launched: Bilt Blue Bilt Obsidian Bilt Palladium Application Link Bilt Mastercard Terms Apply Features and Benefits No transaction fee if you pay rent with this credit card via the Bilt app or website. Even if…
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