Author Archive: physixfan

British Airways Visa Signature® Card Review (2026.1 Update: 90k Offer)

British Airways Visa Signature® Card Review 2026.1 Update: The new offer is 90k. HT: DoC. 2025.9 Update: The new offer is 100k. [Expired] 2025.4 Update: The new offer is 100k. [Expired] Application Link Chase British Airways Benefits 90k offer: earn 90,000 bonus Avios miles after spending $5,000 in 3 months. The recent best offer is 100k. We value BA Avios…
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World of Hyatt Credit Card Review (2026.2 Update: 30k+15k Offer)

World of Hyatt Credit Card Review 2026.2 Update: The welcome offer is now the regular 30k+15k offer. Note that the official website still uses the very misleading wording “60k”, don’t be fooled by it. 2026.1 Update: The card is currently offering 5 Free Nights. 3 FN after $5000 spend within 3 months of account opening and extra 2 FN after total…
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Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2025.12 Update: MR->CX Ratio Will Be Lowered To 1:0.8)

2025.12 Update: MR->CX transfer ratio will be lowered from 1:1 to 1:0.8 starting from 2026.3.1. Source: latest billing statement. This is a big loss because CX is one of the better transfer partners. 2025.9 Update: JL is now a transfer partner of Capital One at ratio 1:0.75; QR is now a transfer partner of Capital One at ratio 1:1. 2025.5…
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Citi Regular Checking Review (2026.1 Update: $325 Offer)

Citi Regular Checking (Formerly Citi Basic Banking Package) Review 2026.1 Update: The $425 offer is expired. The current offer is $325. 2024.10 Update: The new offer is $325/$425, the required amount of Enhanced Direct Deposit is $3k/$6k. Because Citi’s “Enhanced Direct Deposit” is super easy to do, we recommend everybody to do the $425 offer. 2025.1 Update: The $450 offer…
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Ink Business Cash℠ Credit Card Review (2025.11 Update: $750 Offer; New Bonus Restriction)

Ink Business Cash℠ Credit Card‎ Review 2025.11 Update: The $900 offer is expired. Currently there’s only a 75k offer. BTW, there’s a new bonus restriction on this card: “The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee.” HT: DDG. 2025.9 Update:…
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Chase Amazon Prime Credit Card Review (2026.1 Update: $150 Offer)

Chase Amazon Prime Rewards Visa Signature Card Review 2026.1 Update: The offer is now $150. 2025.11 Update: The new offer is $250. 2025.7 Update2: 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. Application Link Chase Amazon Prime Benefits $150 offer: earn $150 Amazon…
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Bilt Mastercard (Old Version) Review (Discontinued, Bilt 2.0 Three New Cards Launched)

Bilt Mastercard® Review 2026.1 Update: This old version of Bilt card (issued by Wells Fargo) is now discontinued. The three Bilt 2.0 new cards has launched: Bilt Blue Bilt Obsidian Bilt Palladium Application Link Bilt Mastercard Terms Apply Features and Benefits No transaction fee if you pay rent with this credit card via the Bilt app or website. Even if…
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Citi Strata Elite Credit Card Review (2026.3 Update: 75k Offer)

Citi Strata Elite℠ Card Review [2026.3 Update] The 100k offer is expired. The current offer is 75k. [2025.10 Update] The online offer is now 100k, which is the best ever offer on this card! Application Link Citi Strata Elite℠ Card Benefits 75k Welcome Bonus: Earn 75,000 ThankYou Points (TYP) after spending $6,000 within the first 3 months of account opening. The…
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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review (2025.10 Update: 80k Offer Still Alive!)

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® (Citi AA) Review 2025.10 Update: The previous 80k offer link is expired, but at the same time there’s an in flight 80k offer. You can ask a cabin crew for a code when you fly AA, or you can just enter 000000 to apply. 2025.7 Update: The new offer is 80! This is the…
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Wells Fargo Everyday Checking Account Review (2026.3 Update: $400 Offer)

Wells Fargo Everyday Checking Account Review 2026.3 Update: The $400 offer is still alive, and the new expiration date is 2026.4.7. 2025.10 Update: The new offer is $425! Offer expires on 2025.11.18. [2025.11 Update] The $425 offer is expired. The current offer is $400. Offer expires on 2026.1.13. Application Link Wells Fargo Everyday Checking Benefits New Checking Account Bonus: $400! See…
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Marriott Bonvoy Bold® Credit Card Review (2026.3 Update: 30k Offer)

Marriott Bonvoy Bold® Credit Card Review [2025.9 Update] The new offers are 60k. However, I need to emphasize this again: we don’t recommend to apply for this card! Because it makes you ineligible for Chase Marriott Bonvoy Boundless which has a higher sign-up bonus. [2026.3 Update] The higher offer is expired. The current offers are 30k. [2025.6 Update] The new offers are…
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Mesa Homeowners Card Review (Earn Points on Mortgage) (2025.12 Update: All Cards Shut Down!)

Mesa Homeowners Visa® Signature Preferred Credit Card 2025.12 Update: All of a sudden, all of its cards are shut down! Such a bad act. 2025.9 Update: The new welcome offer is 50k. HT: FM. Also, Mesa recently added Air Canada (AC) as a transfer partner. This is a good useful transfer partner among the mediocre transfer partners. 2025.5 Update: This…
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Chase Sapphire Reserve for Business℠ Credit Card Review (2026.4 Update: 150k Offer)

Chase Sapphire Reserve for Business℠ Credit Card Review 2026.4 Update: New benefit starting from Apr 1: Hyatt Explorist status after $120k spending. 2026.1 Update: The 200k welcome offer is expired. The current offer is 150k. The spending requirement is lowered though. 2025.9 Update: Currently the $500 The Edit Hotel Credit is given semi-annually, and starting from 2026 it’s changed to:…
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Southwest Rapid Rewards® Performance Business Credit Card Review (2025.10 Update: 80k Offer)

Southwest Rapid Rewards® Performance Business Credit Card Review 2025.10 Update: The higher offer is expired. There’s only 80k offer now. 2025.9 Update: The new offer is 120k. After the spending you will get the companion pass directly. 2025.7 Update: This card is completely renewed, and the annual fee is increased from $199 to $299. The welcome offer is increased to…
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AmEx Platinum Card Review (2026.2 Update: AS HIGH AS 175k Offer)

The Platinum Card from American Express Review 2026.2 Update: The spending requirement for the AS HIGH AS 175k offer is now increased from $8,000 to $12,000 in the first 6 months. This spending requirement is HUGE. 2025.9 Update: This card just got a major refresh — benefits have been significantly enhanced, and the annual fee has increased from $695 to…
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