Author Archive: physixfan

The Best Credit Cards For Cell Phone Protection Benefit (2023.11 Update)

2023.11 Update: Added AmEx Hilton Aspire. 2022.4 Update: Updated a lot of changes over the years. In particular: new card Bilt Mastercard and Capital One Venture X have this benefit; Chase IHG Premier no longer has this benefits. In recent years, some credit cards start to offer cellular telephone protection benefit: as long as you pay your monthly wireless telephone…
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IHG One Rewards Traveler Credit Card Review (2024.4 Update: 80k Offer)

IHG One Rewards Traveler Credit Card Review 2024.4 Update: The offer is now down to 80k. Application Link Chase IHG Traveler Benefits 80k offer: earn 80,000 IHG points after spending $2,000 in the first 3 months. The recent best offer is 120k. IHG points are valued around 0.5 cents (Hotel Points Value). So the 100k highest offer is worth about $500….
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US Bank Cash Plus Credit Card Review (2022.2 Update: $200 Offer, Added 5% Cashback on Its Travel Portal)

US Bank Cash+ Visa Signature Credit Card Review 2022.2 Update: There’s a new benefit: earn 5% cashback on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Travel Center. This is in addition to the 5% categories every quarter. HT: DoC. 2021.9 Update: The new offer is $200. 2021.1 Update: According to an email sent from US Bank,…
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Capital One Spark Miles Select Review (2023.2 Update: 20k Offer)

Capital One Spark Miles Select Review Learn More Capital One Spark Miles Select Benefits 20k offer: earn 20,000 Capital One Miles after spending $3,000 in the first 3 months. Earn 1.5x Miles on all purchases. The overall value of Capital One Miles is 1.6 cent/point. See below for a brief introduction. No annual fee. Disadvantages Capital One will pull all…
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Introducing USCreditCardGuide App for iOS & Android (2022.1 Update: Multiple Accounts Support)

2022.1 Update: We have multiple accounts support now. This feature is useful if you manage credit cards for family members. 2021.8 Update: We added customizing points value feature to the sign up bonus rank. If you can’t see the sort button, please go to settings and click app version to update it to at least version 3.1.60. Screenshot1, screenshot2. I…
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Finally You Can Check Your Hilton Free Night Certificates Expiration Info Online!

All other hotel chains let you easily manage free night certificates online or in app; however, Hilton is always different about this issue. Previously, you not only can not book with a free night certificate online, but you also can not see how many of the certificates you have left and what their expiration dates are! You have to call…
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Synchrony Premier World Mastercard: Another 2% Cashback Card

Synchrony Premier World Mastercard® Credit Card Review Application Link Synchrony Premier World Mastercard Benefits Earn 2% cash back on all eligible purchases. Cell phone protection: get up to $600 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible…
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FNBO Evergreen Business Credit Card Review (2021.11 Update: $200 Offer)

Evergreen® by FNBO | Business Edition Review 2021.11 Update: The new offer is $200. Application Link FNBO Evergreen Business Benefits $200 offer: earn 20,000 Bonus Points (i.e. $200 cash back) when you spend $1,000 within the first 3 billing cycles.  Earn 2% cash back on all eligible purchases. Earn 10,000 Bonus Points (i.e. $100 cash back) every Anniversary with $10,000 annual…
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FNBO Evergreen Credit Card Review (2021.11 Update: $200 Offer)

Evergreen® by FNBO Credit Card Review 2021.11 Update: The new offer is $200. Application Link FNBO Evergreen Benefits $200 offer: earn 20,000 Bonus Points (i.e. $200 cash back) when you spend $1,000 within the first 3 billing cycles.  Earn 2% cash back on all eligible purchases. No annual fee. Disadvantages Summary This is another 2% cash back no annual fee…
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Citi Custom Cash Credit Card Review (2022.1 Update: 20k Offer)

Citi Custom Cash Mastercard Review 2022.1 Update: The 30k link is expired. The current offer is 20k. 2021.11 Update: There’s a 30k direct link now (it seems to be a link from CreditKarma, and we have no relationship with them). 2021.6 Update: There’s a 30k offer in branch. Application Link Citi Custom Cash Benefits 20k offer: earn 20,000 ThankYou Points…
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Best Rewards Credit Cards To Keep (2021.10 Update)

Credit cards could bring you great rewards, often greater than you thought. Typically, there are two ways to earn rewards with credit cards: everyday purchases and sign-up bonus. Credit cards with high sign-up bonus (see Best Credit Card Sign-Up Bonus) are usually not the credit cards you should choose for everyday use, since they often come with annual fees but not so good…
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Fidelity Debit Card Review: No ATM Fee Worldwide (2021.10 Update: $100 Offer)

Fidelity Cash Management Account ATM/Debit Card (Fidelity Visa Gold Check Card) Review 2021.10 Update: There’s a $100 offer now, and it’s really easy to get: just transfer in $50! Many people need to travel abroad frequently, and they usually ask a question: what is the best debit card to withdraw cash from ATM abroad? We all know that in some countries the…
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