Chase United MileagePlus Rewards Credit Card Review Application Link This card no longer accepts new applications. Benefits Get 25% bonus miles on MileagePlus X purchases. (You don’t have to use this card to make the purchase; instead, you will get the bonus as long as you have this card under your UA account.) More award availability (XN cabin) with this…
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JP Morgan Reserve Review This is a new card only for JP Morgan Private Client. It replaced JP Morgan Palladium. Its benefits are identical to Chase Sapphire Reserve (CSR). Application Link JP Morgan Reserve. Note that this is only a benefit page, not the application link. You need to contact your private banker to apply. Benefits Earn 100,000 Ultimate Rewards (UR) points after…
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JP Morgan Palladium Review 2016.8.23 Update: This card is now discontinued, and is replaced by JP Morgan Reserve. According to an email posted on FT, this card will be automatically converted to JP Morgan Reserve. Note that you won’t receive a sign-up bonus if you convert your card. Application Link This card no longer accepts new applications. Benefits The credit limit is infinity…
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Capital One QuicksilverOne Cash Rewards Credit Card Review Learn More Capital One QuicksilverOne Benefits Earn 1.5% cash back on all purchases. Disadvantages $39 annual fee, NOT waived for the first year. No sign-up bonus. Capital One will pull all three major credit bureaus (Experian, TransUnion, Equifax) for one credit card application! Recommended Application Time This card is only suitable for…
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SelfScore Classic MasterCard Review 2017.10 Update: SelfScore is now rebranded to Deserve. This card will be automatically converted to Deserve Edu after some time, and you can enjoy the first year Amazon Prime reimbursement as well if you are a current SelfScore card holder. See the official FAQ for more details. Application Link This card no longer accepts new applications. Please move to their…
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The Gold Card from American Express for Ameriprise Financial Review 2019.2 Update: This Ameriprise Gold card is discontinued along with the change of Ameriprise Platinum that first year annual fee is no longer waived. Application Link This card no longer accepts new applications. Benefits Earn 25,000 Membership Rewards (MR) Points after spending $1000 in first 3 months! This credit card…
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The Experian (EX) official app now gives you free credit reports and alerts! When you change your address, get a new hard pull, get a new account, etc., it will notify you immediately! The only drawback is that you can not see the FICO credit score for free ($9.99/month). But you can actually see the EX FICO score in the…
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Recently Discover announced a tool to check your Experian FICO for free: CreditScorecard.com. This is an important product, because compared to other credit score tools, it has the following advantages: The score is based on Experian (EX), and most banks pull EX nowadays. Although Credit Karma can see many more details, they are from Equifax (EQ) and TransUnion (TU), and you won’t…
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U.S. Bank FlexPerks Gold American Express Card Review Application Link US Bank FlexPerks Gold Benefits Earn 30,000 FlexPoints after spending $2000 in first 4 months. FlexPoints are worth a fixed 1.5 cents/point towards travel (such as airline, hotel, car rental, etc.), and a fixed 1.0 cent/point towards statement credit. The points are now devalued to 1.0 cent/point fixed value if you…
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Let me first summarize the previous consensus about the annual fee (AF) of the Citi Prestige. If you are a Citigold client, you get a $350 AF offer no matter you apply online or in branch; if you are not a Citigold client, then the annual fee is $450. There was one exception: even if you are not a Citigold client, you could go to a…
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Your credit report and credit score are the determinant factors in getting approved for a credit card, therefore it’s quite necessary for cardholders to pay close attention to these items. How can you access them for free? The first thing you need to know is, there are three official credit bureaus in the US: Experian, Equifax and TransUnion. Once a bank receives an…
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2016.6 update: more than 7 recent data points from our private chat group show that, you can get 5 AmEx credit cards, but not 6. When two of us applied for our 6th AmEx credit cards, we both received a phone call that explicitly says we “reached the maximum number of credit cards”, and we have to close one of the…
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Net Spend/ACE/Western Union/Brinks/H-E-B Savings Accounts Review 2017.3 Update: Some people (HT: DoC) report that the limit for 5% APY has been raised to $2000 starting from Mar 1! That’s double what it was before. However, most of us, including myself, still see a $1000 limit. We don’t know whether the change will apply to everyone soon. 2016.5.31 Update: Starting from Jul 1st, 2016, the…
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True Earnings Card from Costco and American Express Review Application Link This card no longer accepts new applications. See Citi Costco Credit Card for the new Costco co-brand card. Benefits Earn 3% cash back at US gas station (including Costco gas station); 2% cash back at US restaurant and eligible travel spendings; 1% cash back on other purchases. No annual fee…
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Maybe Americans don’t know about the Chinese company Anbang at all. Neither do I several days ago, but some of my friends have some interesting information and insights about it. First of all, we shouldn’t treat Anbang as a usual insurance company. It is so special because its actually bosses, Chen Xiaolu and Wu Xiaohui, are “the Second Generation of…
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