Author Archive: physixfan

AmEx Hilton Surpass Credit Card Review (2021.8 Update: 150k+50k Offer)

The Hilton Honors American Express Surpass Card Review 2021.8 Update: The 150k+50k offer is back. You may need to use incognito mode to see it. 2021.7 Update: The previous big offer is expired. The current offer is 130k+first year annual fee waived. 2021.5 Update: The new offer is 150k+50k. Here’s a screenshot. Application Link AmEx Hilton Surpass Benefits 150k+50k offer:…
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ABOC Platinum Rewards Credit Card Review (Discontinued) (2021.8 Update: No 5% CB Any More)

ABOC (Amalgamated Bank of Chicago) Platinum Rewards Credit Card Review 2021.8 Update: The 5% cashback feature will be removed as of Aug 27. You can only earn 1% cashback on all purchases afterwards. HT: DoC. 2021.5 Update: It seems this card is discontinued. 2019.7 Update: There’s no Foreign Transaction Fee (FTF) on this card any more. BTW, the new 5%…
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BoA AAA Credit Card Review (2021.8 Update: No Preferred Rewards Bonus Any More?)

Bank of America AAA Member Rewards Visa Signature® Credit Card Review 2021.8 Update: Something strange is happening to this card: The original application link on BoA is now redirecting to a general credit card list page. The application link on AAA is still alive, but there is no language about the Preferred Rewards program any more in the terms. If the…
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What Is Chase 5/24 Rule and How to Bypass It (2021.8 Update: Fixed APR, Green/Black Star Offers No Longer Bypassing 5/24)

2021.8 Update: Data points are starting to trickle in on Reddit and DoC showing that fixed APR applications are no longer bypassing the Chase 5/24 rule. This includes Green Star/Black Star “Selected for You” and Pre-approved/Pre-qualified offers that would show up on the Chase app and website. The result of submitting an application is immediate denial and no evidence of…
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Capital One Spark Cash Plus for Business Review (2021.8 Update: New Charge Card, $500+$500 Offer)

Capital One Spark Cash Plus for Business 2021.8 Update: This card is now officially launched, with a $500+$500 welcome offer. 2021.6 Update: This card is newly found by the community, and this card is not listed in the credit card list on Capital One. Probably it is a new card soon to be officially launched. It is nearly identical to…
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Chase Sapphire Preferred® (CSP) Review (2021.10 Update: 100k Offer Only Available In Branch Now)

Chase Sapphire Preferred® Card Review 2021.10 Update: The 100k offer expired online. Data points show that 100k is still available in branch. 2021.8 Update 2: New benefits of Sapphire Preferred card are live now: 3x on dining, select streaming services and online grocery (excluding Target, Walmart and wholesales). 5x on travel booked through UR portal. $50 Annual Hotel Credit per…
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Chase Sapphire Reserve® (CSR) Review (2021.10 Update: 50k Offer)

Chase Sapphire Reserve® (CSR) Review 2021.10 Update: The offer is now only 50k. 2021.8 Update: New benefits of Sapphire Reserve card are live now: Earn 10x on points on Chase Dining, hotel and car rentals booked through UR portal. Earn 5x on flights booked through UR portal. 2021.7 Update: There is a 70k offer ($4,000 spending in 3 months) in branch….
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Citi Rewards+® Card Review (2021.8 Update: 20k Offer)

Citi Rewards+® Card Review 2021.8 Update: The offer is now 20k. 2021.7 Update: The 25k offer is expired. 2021.5 Update: The new offer is 25k. HT: DoC. Application Link Citi Rewards+® Card Benefits 20k offer: earn 20,000 ThankYou Points after spending $1,500 in first 3 months.  The recent best offer is 25k. We estimate that ThankYou Points (TYP) are worth about…
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Introducing USCreditCardGuide App for iOS & Android (2021.8 Update: Customized Points Value Feature)

2021.8 Update: We added customizing points value feature to the sign up bonus rank. If you can’t see the sort button, please go to settings and click app version to update it to at least version 3.1.60. I believe that many readers have experienced the following problems: how to get notified of big deals which may only last for a…
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AmEx EveryDay Preferred (EDP) Credit Card Review (2021.8 Update: 30k Offer Is Back)

The AmEx EveryDay Preferred Credit Card (EDP) Review 2021.8 Update: The 30k offer is back, you should be able to see it via incognito mode. It seems to only appear on referral links, not on public links . HT: reader Jos Malig-on. 2021.5 Update: It seems the 30k offer is gone. The current offer is only 15k. 2018.7 Update: According…
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Chase Freedom Flex℠ Review (2021.8 Update: $200/$250+5x Offer)

Chase Freedom Flex℠ World Elite Mastercard® Review 2021.8 Update: The offer in branch is 25k + 5x on grocery in the first year. It is 5k points higher than the online offer. HT: DoC. 2021.7 Update: The welcome offer is 20k + 5x on grocery in the first year. 2021.1 Update: The welcome offer is 20k now. Application Link Chase Freedom Flex…
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BoA Alaska Business Credit Card Review (2021.8 Update: 60k Offer!)

Alaska Airlines Visa Business Card Review 2021.8 Update: The new offer is 60k miles + companion fare. This is the best ever offer on this card. 2020.9 Update: The new offer is 40k miles + $200 + companion fare. This is the best ever offer on this card. 2019.9 Update: The new offer is 42k miles + companion fare. HT:…
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BoA Amtrak Guest Rewards Credit Card Review (2021.8 Update: 50k+$100 Offer with Direct Link!)

Bank of America Amtrak Guest Rewards World MasterCard Review 2021.8 Update2: During the booking process, there is a 50k+$100 offer of this card. I’ve obtained a direct link, see application link part. 2021.8 Update: The new offer is 50k, and this is the best ever offer on this card. 2021.6 Update: There’s a new link with 20k+$200 offer. 2020.6 Update:…
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US Bank Triple Cash Business Credit Card (2020.8 Update: $500 Offer & Revamped)

U.S. Bank Triple Cash Rewards Visa® Business Card Review 2020.8 Update: This card is revamped: Restaurants are added to its 3% bonus category. There’s a new benefit: $100 software credit. This benefit is removed: 25% Annual Bonus based on your prior year’s Cash Rewards, up to $250. The name is changed from US Bank Business Cash to US Bank Triple Cash…
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