Author Archive: physixfan

IHG One Rewards Premier Select Credit Card Review (New Card, $350 Annual Fee, 200k+10k Offer)

IHG One Rewards Premier Select Credit Card Review [2026.10 Update] Chase and IHG launched the new IHG One Rewards Premier Select Credit Card today. This is a premium IHG co-branded card positioned above the regular IHG Premier. The annual fee is $350. The launch offer is currently 200k IHG points after spending $5,000, plus another 10k points for adding an authorized…
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IHG One Rewards Premier Credit Card Review (2026.10 Update: Benefits Revamp, 180k+10k Offer, $150 Annual Fee)

IHG One Rewards Premier Credit Card Review [2026.10 Update] We see a major revamp of this card today. Most of the changes are positive, although the annual fee has increased to $150. The current welcome offer is 180k IHG points after spending $3,000 in the first three months, plus another 10k points for adding an authorized user. Here are the…
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IHG One Rewards Business Credit Card Review (2026.10 Update: Revamped Benefits, $200 Annual Fee, 190k+10k Offer)

IHG One Rewards Business Credit Card Review [2026.10 Update] The IHG One Rewards Business Card got a fairly significant refresh today. The annual fee has increased to $200, while the current welcome offer is 190k+10k IHG points. Here are the main changes: Cap of FN has increased from 40k to 50k, including both the annual anniversary FN and the $60k…
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IHG One Rewards Credit Card Review (2026.10 Update: 125k+10k Offer!)

IHG One Rewards Credit Card (Formerly Chase IHG Traveler) Review [2026.10 Update] The no-annual-fee IHG card receives a refresh today. It remains $0 annual fee and is currently offering an all-time-high welcome bonus of 125k+10k IHG points. But now the fourth-night-free benefit will require $5,000 in annual spending to unlock. Here are the main changes: Fourth Night Free: Starting in…
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Citi Strata Premier℠ Card Review (2026.9 Update: 60k Offer + Additional $150 Bonus From Rakuten)

Citi Strata Premier℠ Card Review [2026.9 Update] Besides the 60k offer provided by Citi itself, third party website Rakuten offers and additional $150 cashback. [2026.9 Update] Citi has updated the churn rule for its Strata lineup, adopting an AmEx-style once-in-a-lifetime restriction. [2026.7 Update] Besides the 60k offer provided by Citi itself, third party website Rakuten offers an additional $100 cashback. Note…
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Southwest® Rapid Rewards® Premier Business Credit Card Review (2026.9 Update: 80k Offer)

Southwest® Rapid Rewards® Premier Business Credit Card Review [2026.9 Update] The new welcome offer is 80k. [2025.7 Update] This card is completely renewed, and the annual fee is increased from $99 to $149. The new benefits are marked with [New] below. [2025.1 Update] The higher offer is expired. There’s only 60k offer now. [2024.6 Update] The new offer is 60k+60k, the latter part…
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X Money Bank Account Review: 6% APY + 3% Debit Card Cashback (2026.9 Update: Paid Membership No Longer Needed!)

X Money Bank Account Review [2026.9 Update3] Previously, this account required a paid subscription, but now all X users in the U.S. can apply! You can find the source here. This sounds too good to be true: no annual fee, and all you need is direct deposit to earn 6% APY. That’s definitely not sustainable. My guess is that this…
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Chase Freedom Flex® (CFF) Credit Card Review (2026.9 Update: $250 Offer; No FTF Now)

Chase Freedom Flex® Credit Card Review [2026.9 Update] The new welcome bonus is $250 limited time offer, along with the following changes: The foreign transaction fee (FTF) has been eliminated. Cell phone protection has been discontinued. Points Boost is now available for UR point redemptions, offering up to a 10% boost on select hotel bookings. This is pretty useless—even with the…
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AmEx Platinum 175k Offer No Lifetime Language (NLL) Link (2026.9 Update)

There’s a new No Lifetime Language (NLL) link for AmEx Platinum with 175k welcome offer! https://www.americanexpress.com/en-us/credit-cards/apply/personal/platinum-card/92222-9-0 This link was originally posted on USCardForum in a hidden category by qazmlp and cowboy. Later on it was reposted everywhere, so now we also publicly post it here. Enjoy!

Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2026.9 Update: JL is now a transfer partner of Citi TYP points at ratio 1:1)

[2026.9 Update] JL is now a transfer partner of Citi TYP points at ratio 1:1. [2026.3 Update] MR->CX transfer ratio is lowered from 1:1 to 1:0.8 starting from 2026.3.1. [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 Update] JL is now a transfer…
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Chase Sapphire Reserve® (CSR) Review (2026.9 Update: 100k Offer; DoorDash Credit Increased and Expanded)

Chase Sapphire Reserve® (CSR) Review [2026.9 Update] Starting Oct. 1, 2026, the DoorDash benefit will be improved from the current monthly setup of [one $5 restaurant coupon + two $10 non-restaurant coupons] to [one $15 coupon valid on all eligible orders + two $10 non-restaurant coupons], for a total of $35 per month ($420 per year). The updated coupons offer both…
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Chase Sapphire Reserve for Business℠ Credit Card Review (2026.9 Update: 200k Offer; Chase The Edit Credit Will Increase To $1,000 Per Year)

Chase Sapphire Reserve for Business℠ Credit Card Review [2026.9 Update] This card will receive the following enhancements: the Chase The Edit credit is currently $500 per year, issued as two $250 credits, that can be used at any point throughout the year. Starting January 1, 2027, the benefit will increase to $1,000 per year, issued as four $250 credits, that…
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AmEx Hilton Aspire Credit Card Review (2026.9 Update: 200k Best Ever Offer!)

The Hilton Honors American Express Aspire Card Review [2026.9 Update] The new welcome offer is 200k after $6000 spend in 6 months. This is the best ever offer on this card! Offer ends on 2027/01/13. Application Link AmEx Hilton Aspire Benefits 200k offer: earn 200,000 Hilton Honors Bonus Points after you spend $6,000 within the first 6 months. This is…
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AmEx Hilton Surpass Credit Card Review (2026.9 Update: 130k + 1 FN Offer)

The Hilton Honors American Express Surpass Card Review [2026.9 Update] The new offer is 130k+1FN. Offer ends on 2027/01/13. Application Link Amex Hilton Surpass Benefits 130k+1FN offer: earn 130,000 Honors Points and 1 free night (no cap) after spending $3,000 in first 6 months. The best recent offer is 150k+$150 or 150k+50k. We value Hilton Honors Points at 0.4 cents/point (Hotel…
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