physixfan, Author at US Credit Card Guide

How to Use VPN to Get Increased Sign-up Bonuses from AmEx (via Incognito Mode) (2018.10 Update: Available via Referral Links As Well Now)

physixfan 2017-04-25 2019-02-19 105 Comments

2018.10 Update: Previously you can only see this kind of incognito offers via public links, and the offers generated by referral links are fixed. But recently AmEx has changed their referral system, people find that we can see higher incognito offers via referral links as well! See this post for more details. 2017.4.25 Update: Recently there are a lot of data…
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AmEx Summaries

American Express (AmEx)

Amex now offers a new kind of sign-up bonus: earn points for adding an authorized user!

physixfan 2017-04-24 2017-04-24 1 Comment

Recently AmEx seems to make a lot of modifications to their system. For example, today some people can see the AmEx Platinum 100k pre-qualified offer even when they already have other Amex cards, this has never happened before. ThunderFat found another interesting new change: on the Amex official webpage, AmEx ED now offers a new kind of sign-up bonus: earn…
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Chatter

American Express (AmEx)

An Experience with CX Business Class — 360 Photo Version!

physixfan 2017-04-15 2017-04-17 11 Comments

I know, you’re probably thinking, another CX business class review?! But fear not, today I want to present a totally different experience: the 360 photo version! The photos below are all 360 photos. In the desktop version, you can use mouse to drag; in the mobile version, you can use your finger to drag as well. I put several such photos here in…
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Trip Reports

Cathay Pacific (CX)

Barclaycard CashForward Credit Card Review (Discontinued)

physixfan 2017-04-07 2018-06-21 37 Comments

Barclaycard CashForward World MasterCard Review Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits Earn $200 after spending $1,000 in first 90 days. This is the best offer for the card. Earn 1.5% cash back on all purchases. Every time you redeem, get a 5%…
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Discontinued Credit Cards

Barclays, Cash Back Credit Card, No Annual Fee

Welcome to the Credit Card Gamers Slack Team!

physixfan 2017-03-24 2017-03-25 2 Comments

What is Slack? Slack is designed to be a instant message tool for teams, like all those chat groups but is much more powerful. We tried Slack for a while, and the suddenly have an idea: Slack can be a very suitable tool for churners to communicate and chat! Major Slack Features Compared to other chat groups, Slack has the following…
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Chatter

Merrill Lynch Octave Credit Card Review (Discontinued)

physixfan 2017-03-23 2018-06-21 3 Comments

Merrill Lynch Octave Review Application Link This card no longer accepts new applications. Benefits Earn 2.5x Merrill Points on all purchases. The reward program are the same as the one for Merrill Plus credit card (discontinued). The points are worth up to 2 cents/point. See this post for a visualized point value distribution. The following is the official term about point value:…
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Discontinued Credit Cards

Bank of America (BoA), Legendary Credit Card, Metal Card, No Foreign Transaction Fee

Barclaycard Upromise Credit Card Review

physixfan 2017-03-21 2019-01-05 25 Comments

Barclaycard Upromise MasterCard Review Application Link Barclays Upromise Historical Offers Chart

Discontinued Credit Cards

Barclays, Cash Back Credit Card, No Annual Fee

Giveaway: 20 Discover It Referral Positions! The Value Is Up To $1000! (Update: Winners Are Chosen)

physixfan 2017-03-16 2017-03-16 41 Comments

Update: Winners are chosen, see below. We also sent emails to the winners about the next step. If you are not chosen, don’t be upset, as we will do more giveaways in the future! We are giving away our Discover it referral positions! All you need to do is to visit our Facebook page from the widget below and click…
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Giveaway

Alliant Visa Signature Credit Card Review (2.5% Cashback Card) (2025.6 Update: Discontinued)

physixfan 2017-03-15 2025-06-27 6 Comments

Alliant Visa Signature Card Review 2025.6 Update: This card is now discontinued. Now sure what happens to existing cards. So it seems any cashback rate greater than 2% for every spending for a no fee card is not sustainable. 2021.6 Update: The annual fee is 0 now! 2021.3 Update: There’s an upper limit for 2.5% cashback now. Application Link Alliant…
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Discontinued Credit Cards

Alliant Credit Union, Cash Back Credit Card, No Foreign Transaction Fee

Big Data: How Did The Hilton Point System Change?

physixfan 2017-03-05 2017-05-19 9 Comments

On Mar 1st, 2017, Hilton made some big changes to its point system. But for now, all the posts on blogs are based on personal experiences, not on concrete data. This post will show you how the Hilton point system changed exactly, using big data. The following two plots are the distribution of point value for the old system and the…
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Hilton Honors

New Author Wanted! (Expired)

physixfan 2017-02-20 2017-03-07 7 Comments

Who We Are US Credit Card Guide is a growing blog. Our Alexa global rank is 30k+, which is not far from Doctor of Credit! But perhaps you don’t feel this level of traffic, and the reason is simple: the major part of this blog is written in Chinese, not English. Now we want to expand the English part, so…
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Chatter

BBVA Compass NBA Credit Card Review (Discontinued)

physixfan 2017-02-17 2018-06-21 6 Comments

BBVA Compass NBA American Express Card Review 2016.12 Update: Now the branches stopped accept applications, too. This card is discontinued. Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits Earn 5% cash back on all purchases during the NBA All-Star Weekend and…
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Discontinued Credit Cards

BBVA, Cash Back Credit Card, No Annual Fee, Third Party AmEx Card

Citi Hilton Credit Card Review (Discontinued)

physixfan 2017-02-14 2018-06-21 54 Comments

Citi Hilton HHonors Visa Signature Card Review Application Link This card no longer accepts new applications. Benefits Earn 40,000 HHonors Points after spending $1000 in first 4 months. The best offer is 75k, it’s better to wait for the highest sign-up bonus if you are not in an urgent situation. We value Hilton HHonors Point at 0.5 cents/point (Hotel Points Value), so…
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Discontinued Credit Cards

Citibank, Hilton Honors, Hotel Credit Card, No Annual Fee

AmEx Built A New Team: Rewards Abuse Team (RAT)

physixfan 2016-12-08 2017-01-15 17 Comments

Recently people found that MPX no longer works for air credit for PRG and AmEx Platinum. MPX air credit used to stop working and then after some time it recovered, this happened several times in the past. Is it still the case now? I am afraid not. A source working for AmEx told us that, AmEx built a new team: Rewards…
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AmEx Summaries

American Express (AmEx), Loopholes

Author Archive: physixfan

How to Use VPN to Get Increased Sign-up Bonuses from AmEx (via Incognito Mode) (2018.10 Update: Available via Referral Links As Well Now)

Amex now offers a new kind of sign-up bonus: earn points for adding an authorized user!

An Experience with CX Business Class — 360 Photo Version!

Barclaycard CashForward Credit Card Review (Discontinued)

Welcome to the Credit Card Gamers Slack Team!

Merrill Lynch Octave Credit Card Review (Discontinued)

Barclaycard Upromise Credit Card Review

Giveaway: 20 Discover It Referral Positions! The Value Is Up To $1000! (Update: Winners Are Chosen)

Alliant Visa Signature Credit Card Review (2.5% Cashback Card) (2025.6 Update: Discontinued)

Big Data: How Did The Hilton Point System Change?

New Author Wanted! (Expired)

BBVA Compass NBA Credit Card Review (Discontinued)

Citi Hilton Credit Card Review (Discontinued)

Top Posts in 2016

AmEx Built A New Team: Rewards Abuse Team (RAT)

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