Author Archive: physixfan

Mesa Homeowners Card Review (Earn Points on Mortgage) (2025.5 Update: 50k Offer)

Mesa Homeowners Visa® Signature Preferred Credit Card 2025.5 Update: This is a newly launched card, and its biggest selling point is that it lets you earn points on your mortgage payments. Right now, there’s a 50k point welcome bonus available, ending June 30. Application Link Mesa Homeowners Card Make sure to use promo code BONUS50 when applying to get the…
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Citi® / AAdvantage® Executive World Elite Mastercard® Review (2025.5 Update: 100k Offer)

Citi® / AAdvantage® Executive World Elite Mastercard® (Citi AA Exe) Review 2025.5 Update: The 100k offer has come back. 2024.8 Update: The 100k offer is expired. The current offer is 75k. 2024.5 Update: The 100k offer has come back. Application Link Citi® / AAdvantage® Executive World Elite Mastercard® Benefits 100k Offer: earn 100,000 AA Miles after spending $10,000 in first…
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Citi Rewards+® Card Review (2025.5 Update: Will Be Automatically Converted to Citi Strata Card on Jul 20)

Citi Rewards+® Card Review 2025.5 Update2: According to TPG, this card will be automatically converted to a new card Citi Strata card (which is pretty useless), and lose the most important benefits: rounding up to nearest 10 points and 10% back when redeeming TYP. If you have some TYP and want to transfer them to partners, do it now before…
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Bilt Mastercard Review: Pay Rent & Earn Rewards, Points Transferrable to Hyatt, UA, AS…(2025.5 Update: New Transfer Partner QR 1:1)

Bilt Mastercard® Review 2025.5 Update2: New transfer partner: Qatar Airways (QR). The transfer ratio is 1:1. QR uses the Avios system, and can be transferred between BA Avios, etc. 2025.5 Update: New transfer partner: Japan Airlines (JL). The transfer ratio is 1:1. JL miles are hard to get, because it’s not a partner of UR/MR/TYP/C1 points. It’s great to see…
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Discover Savings Account Review (2025.6 Update: $150/$200 Offer)

Discover Savings Account Review 2025.6 Update: The higher offer is expired. Currently there’s only the regular $150/$200 offer. 2025.5 Update: There’s a new $150/$500 offer. Application Link Discover Savings Benefits New account opening bonus of $150/$200. See below for detailed requirements. Offer expires on 2025.\9.11. The opening bonus will arrive very quickly, typically a few days after you deposit the…
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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 (2025.6 Update: 80k Offer)

The Platinum Card from American Express Exclusively for Morgan Stanley Review 2025.6 Update: The 150k welcome offer is expired. The current offer is 80k. 2025.5 Update: The new offer is 150k! 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 (2025.6 Update: 80k Offer)

American Express Platinum Card for Schwab Review 2025.6 Update: The higher welcome offer is expired. The current offer is only 80k. 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. 2024.11 Update: The new welcome offer is 125k! In terms of…
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AmEx Schwab Investor Credit Card Review (2025.6 Update: $200 Offer)

Schwab Investor Card from American Express Review [2025.6 Update] The welcome offer is back to $200. [2025.5 Update] The new welcome offer is $300. [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 $200 offer: earn $200 statement credit after spending $1,000…
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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: 70k Offer)

United℠ Explorer Card (Chase UA Explorer) Review 2025.6 Update: The welcome offer is now lowered to 70k. 2025.4 Update: There’s a new link with better offer 90k: in addition to the 80k offer with $3k spending requirement, earn 5k more miles when you add an authorized user in the first 3 months, and earn 5k more miles upon approval when…
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Capital One Venture X Business Credit Card Review (2025.6 Update: 150k Offer)

Capital One Venture X Business Credit Card Review 2024.6 Update: The offer now is $150k with $30k spending requirement. 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. 2024.1 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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