Author Archive: physixfan

Bilt Blue Card Review (New Card, No Annual Fee, $100 Bilt Cash Offer)

Bilt Card 2.0: Bilt Blue Card Review Application Link Bilt Blue Terms Apply Features and Benefits $100 Bilt Cash Welcome Offer: Earn $100 of Bilt Cash when you apply and get approved. This card earns two different types of rewards: Bilt Points and Bilt Cash, which we’ll explain in detail below. Based on our own valuation (not an official estimate…
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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 best recent offer is 100k. We value BA Avios…
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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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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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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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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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Capital One Spark Cash Select Review (2025.9 Update: $750 Offer)

Capital One Spark Cash Select Review 2025.9 Update: The $750 offer is back. 2024.9 Update: The $750 offer is expired. The current offer is $500. 2023.11 Update: The $750 offer is back. Learn More Capital One Spark Cash Select Benefits $750 offer: earn $750 cashback after spending $6,000 in the first 3 months. This is the best offer on this…
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Coinbase One Card Review (New Card Preview, Up to 4% Back on Everything, Waitlist Available)

Coinbase One Card Review 2025.9 Update: Details are out, and the first batch of people on the waitlist have already received application links. Application Link Just announced; there’s no public application link yet. You can join the waitlist: Coinbase One Card Features Up to 4% back on all purchases, paid as Bitcoin (BTC) to your Coinbase account. Your cashback rate…
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Deserve EDU Credit Card Review (Discontinued) (2025.8 Update: All Accounts Are Closing)

Deserve EDU Mastercard for Students Review 2025.8 Update: All card holders received email from Deserve: all cards are being closed. You can’t make purchases now already (you still need to pay your balance). This is a very bad act, because it will harm card holders’ credit score. This card is many international students’ first credit card because it can be…
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BoA Checking Account Review (2025.8 Update: $500 Offer!)

Bank of America Checking Account Review 2025.8 Update: There’s a new up to $500 offer. Only DD is required. Deadline: 2026.1.31. 2025.2 Update: The $300 offer extended the deadline to 2025.5.31. [Update] Extended to 6.30. [Update] Extended to 7.31. Application Link BoA Checking Benefits New Checking Account Bonus: up to $500. See below for the requirements to get this bonus….
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