Author Archive: physixfan

AmEx Marriott Bonvoy Bevy Credit Card Review (2026.8 Update: 125k+$150 Offer)

AmEx Marriott Bonvoy Bevy Credit Card Review [2026.8 Update] The new welcome offer is 125k+$150. Offer expires on 09/30/2026. [2026.5 Update] The higher offer is expired. Currently there’s only 85k offer. [2026.3 Update] The new welcome offer is 175k! This is the best ever offer on this card. Offer expires on 05/13/2026. Application Link AmEx Marriott Bonvoy Bevy Benefits 125k+$150…
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Barclays Samsung Galaxy Credit Card Review (New Card, 3% Cashback on Almost Everything)

Samsung Galaxy Card Review Application Link Barclays Samsung Galaxy Benefits $200 Offer: Earn $200 cash back after spending $2,000 within the first 90 days. Earning structure: 5% cash back on eligible purchases made directly from Samsung; 3% cash back on Samsung Wallet purchases made with this card. As discussed below, this effectively makes the card a 3% cash-back card on…
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Chase Sapphire Preferred® (CSP) Review (2026.7 Update: 75k Offer)

Chase Sapphire Preferred® Card Review 2026.7 Update: The higher offer is expired. The new welcome offer is 75k. 2026.6 Update: The new offer is 100k! Also, Chase announced the following changes starting from Jun 15: UR->Hyatt Transfer Ratio Will Soon Be Cut To 4:3 with Chase Sapphire Preferred (CSP) and Chase Ink Preferred (CIP)! The 10% anniversary bonus benefit will…
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Capital One Spark Cash Plus Review (2026.9 Update: $2,000 Offer)

Capital One Spark Cash Plus Review [2026.9 Update] The higher offer is expired. Currently there’s only a $2,000 offer. The spending requirement is huge so it is only suitable for those who have a lot of spending. [2026.7 Update] The new offer is $2,000+$500. The spending requirement is huge so it is only suitable for those who have a lot…
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Citi Strata Premier℠ Card Review (2026.7 Update: 60k Offer + Additional $100 Bonus From Rakuten)

Citi Strata Premier℠ Card Review [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 that if you choose to earn MR on Rakuten you may see $0 additional cashback, you need to choose…
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Robinhood Gold Card Review (No Annual Fee Everything 3% Cashback) (2026.7 Update: Has FTF Now)

Robinhood Gold Card Review [2026.7 Update] This card previously had no foreign transaction fee (FTF). Robinhood has quietly updated its terms, and cards applied for on or after July 1, 2026 will carry a 3% FTF. Existing cardholders are not affected for now, although there is no guarantee that Robinhood will not quietly revise the terms again in the future….
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Chase Freedom Rise® Credit Card Review (No Credit History Required) (2026.9 Update)

Chase Freedom Rise® Review [2026.9 Update] The previous welcome offer is expired. Currently there’s no welcome offer. [2026.6 Update] The new welcome offer is: earn 3% cashback on dining in the first 6 months (usually 1.5%) on up to $6,000. [2023.6 Update] New card launched. No credit history required. Application Link Chase Freedom Rise Benefits Earn 1.5% cash back on everything….
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Barclays Wyndham Earner Premier Credit Card Review (New Card, 120 Offer)

Wyndham Rewards Earner® Premier Card Review [2026.6 Update] A new card has been launched. It is a premium card with a $395 annual fee and a coupon-book-style benefits structure. The welcome offer is 120k: earn 90,000 Wyndham Points after spending $6,000 within the first 120 days, plus another 30,000 Wyndham Points after spending $750 at Wyndham within the first 180…
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Barclays Wyndham Earner Plus Credit Card Review (2026.6 Update: 100k Offer; Benefits Refreshed)

Wyndham Rewards® EarnerSM Plus Card Review [2026.6 Update] The new welcome offer is 100k: earn 45,000 Wyndham Points after spending $1,000 within the first 90 days, plus another 55,000 Wyndham Points after spending $500 at Wyndham within the first 180 days. Given the structure of this offer, it is only suitable for people who already plan to make Wyndham purchases. The…
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Barclays Wyndham Earner Credit Card Review (2026.6 Update: 75k Offer; Benefits Refreshed)

Wyndham Rewards® EarnerSM Card Review [2026.6 Update] The new welcome offer is 75k: earn 30,000 Wyndham Points after spending $1,000 within the first 90 days, plus another 45,000 Wyndham Points after spending $500 at Wyndham within the first 180 days. Given the structure of this offer, it is only suitable for people who already plan to make Wyndham purchases. The benefits on…
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Barclays Wyndham Earner Business Credit Card Review (2026.6 Update: 100k Offer; Benefits Refreshed)

Wyndham Rewards® EarnerSM Business Card Review [2026.6 Update] The new welcome offer is 100k: earn 45,000 Wyndham Points after spending $3,000 within the first 90 days, plus another 55,000 Wyndham Points after spending $500 at Wyndham within the first 180 days. Given the structure of this offer, it is only suitable for people who already plan to make Wyndham purchases. The…
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Chase Amazon Prime Credit Card Review (2026.6 Update: $200 Offer)

Chase Amazon Prime Rewards Visa Signature Card Review [2026.6 Update] The offer is now $200. [2025.11 Update] The new offer is $250. [2026.1 Update] The offer is now $150. [2025.7 Update] The new offer is $250! This is the best ever offer on this card. Offer ends on Jul 14. [2025.7 Update] The offer is now $150. Application Link Chase Amazon Prime Benefits $200 offer:…
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Ink Business Cash® Credit Card Review (2026.9 Update: $750 Offer)

Ink Business Cash® Credit Card‎ Review [2026.9 Update] The $1,000 offer is expired. Currently there’s only a $750 offer. [2026.6 Update] The card is now offering $1,000 sign-up bonus after $8,000 spend in the first 4 months. This is the highest ever offer on this card! [2025.11 Update] The $900 offer is expired. Currently there’s only a 75k offer. BTW,…
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Capital One Savor Cash Rewards Credit Card Review (Formerly SavorOne) (2026.8 Update: $250 Offer)

Capital One Savor Cash Rewards Credit Card (Formerly SavorOne) Review [2026.8 Update] The higher offer is expired. The current offer is $200. [2026.6 Update] The new offer is $250. [2025.12 Update] The higher offer is expired. The current offer is $200. [2025.8 Update] The new offer is $200+$100. Learn More Capital One Savor Benefits $200 offer: earn $200 cash bonus after you spend…
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UR->Hyatt Transfer Ratio Will Soon Be Cut To 4:3 with Chase Sapphire Preferred (CSP) and Chase Ink Preferred (CIP)!

Terrible news! Chase has announced that starting 6/15, Ultimate Rewards (UR) points from the Chase Sapphire Preferred (CSP) and Chase Ink Preferred (CIP) will transfer to Hyatt at a reduced 4:3 ratio. Previously, the transfer ratio had always been 1:1. If you hold the Chase Sapphire Reserve (CSR) or Chase Sapphire Reserve for Business, however, you will not be affected…
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