Author Archive: physixfan

Discover Savings Account Review (2025.5 Update: $150/$500 Offer!)

Discover Savings Account Review 2025.5 Update: There’s a new $250/$500 offer. Application Link Discover Savings Benefits New account opening bonus of $150/$500! See below for detailed requirements. Offer expires on 2025.6.11. The opening bonus will arrive very quickly, typically a few days after you deposit the required money. $0 monthly fee. No early termination fee, you can close the account…
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Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2025.5 Update: Bilt Is Added)

2025.5 Update2: JL is now a transfer partner of Bilt points at ratio 1:1. 2025.5 Update: Bilt Rewards is added to this chart. A few minor changes over the years are also updated. Usage It is better to view this chart on desktop. The screens on mobile devices are usually too narrow to fully interact with the chart. Move your…
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AmEx Platinum Card for Morgan Stanley Review (2025.5 Update: 150k Offer)

The Platinum Card from American Express Exclusively for Morgan Stanley Review 2024=5.5 Update: The new offer is 150k! 2024.8 Update: The 125k welcome offer is expired. The current offer is 80k. 2024.5 Update: The new offer is 125k! Application Link AmEx Platinum Card for Morgan Stanley. You need to have a Morgan Stanley brokerage account in order to apply for this card….
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AmEx Platinum Card for Schwab Review (2025.5 Update: 125k Offer)

American Express Platinum Card for Schwab Review 2025.5 Update: The new welcome offer is 125k! In terms of points alone, this is the highest welcome offer ever offered for this card. Offer ends on 6/11. 2025.1 Update: The higher welcome offer is expired. The current offer is only 80k. 2024.11 Update: The new welcome offer is 125k! In terms of…
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AmEx Schwab Investor Credit Card Review (2025.5 Update: $300 Offer)

Schwab Investor Card from American Express Review [2025.5 Update] The new welcome offer is $300. [2025.1 Update] The welcome offer is back to $200. [2024.11 Update] The new welcome offer is $300. Application Link AmEx Schwab Investor. You need to have a Charles Schwab Brokerage Account in order to apply for this card. Benefits $300 offer: earn $300 statement credit after spending $1,000…
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Chase Sapphire Preferred® (CSP) Review (2025.5 Update: 60k Offer)

Chase Sapphire Preferred® Card Review 2025.5 Update2: Party is over. The 100k offer is expired as scheduled. Now there’s only a 60k offer. 2025.5 Update: Third party website Rakuten is giving an extra $300 for CSP! The Rakuten cashback can be converted to MR points so it can also be seen as 30k MR points. This is a fantastic addition…
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Chase Freedom Unlimited® (CFU) Review (2025.5 Update: $200 Offer)

Chase Freedom Unlimited® Review 2025.5 Update: Third party website Rakuten is giving an extra $150 for CFU! The Rakuten cashback can be converted to MR points so it can also be seen as 15k MR points. [Update] The Rakuten +$150 offer is lowered to +$75. [Expired] The current offer is $200. 2025.3 Update: The welcome offer is changed from $200…
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United℠ Explorer Card Review (2025.6 Update: 75k Offer)

United℠ Explorer Card (Chase UA Explorer) Review 2025.6 Update: The welcome offer is now lowered to 75k. 2025.4 Update: There’s a new link with better offer 90k: earn 5k more miles upon approval when you use your United agent‘s promotional code, and earn 5k more miles when you add an authorized user in the first 3 months. That’s 90k miles…
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United Quest℠ Card Review (2025.6 Update: 80k Offer)

United Quest℠ Card (Chase UA Quest) Review 2025.6 Update: The welcome offer is now lowered to 80k. 2025.4 Update: There’s a new link with better offer 100k: earn 5k more miles upon approval when you use your United agent‘s promotional code, and earn 5k more miles when you add an authorized user in the first 3 months. That’s 100k miles…
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Capital One Venture X Business Credit Card Review (2025.4 Update: 350k Offer)

Capital One Venture X Business Credit Card Review 2025.4 Update: The new offer is 150k-350k. The spending requirement is crazily high, therefore it is only suitable for those who have a huge amount of spending. 2024.3 Update: The offer now is $150k with $30k spending requirement. 2024.1 Update: The new offer is 150k-300k. The spending requirement is crazily high, therefore…
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British Airways Visa Signature® Card Review (2025.4 Update: 100k Offer)

British Airways Visa Signature® Card Review 2025.4 Update: The new offer is 100k. 2025.1 Update: The welcome offer is changed to 75k. 2024.9 Update: Current offer is 100k points after $7500 spend within 6 months of account opening. Application Link Chase British Airways Benefits 100k offer: earn 100,000 bonus Avios after spending $7,500 on purchases within the first 6 months….
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US Bank Smartly Credit Card Review (2025.4 Update: Got Nerfed)

U.S. Bank Smartly™ Visa Signature® Card Review 2025.4 Update: Starting from today (2025.4.14), the benefits of this card got nerfed. Existing customers can enjoy the previous benefits, new customers will get the following new changes: Only checking account balances count toward the reward tiers. Savings account and brokerage account don’t count any more. The extra cashback is no longer unlimited,…
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Wells Fargo Choice Privileges Credit Card Review (2025.4 Update: 60k Offer)

Choice Privileges® Mastercard® Review 2025.4 Update: The new offer is 60k. 2025.1 Update: The higher offer is expired. Currently there’s only a 40k offer. 2024.7 Update: There’s a link with 70k offer now. This is the best ever offer on this card! Application Link Wells Fargo Choice Privileges Benefits 60k offer: Earn 60,000 Choice Privileges points after spending $1,000 in…
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