Author Archive: physixfan

Citigold Checking Account Review (2025.7 Update: $1,500 Offer, Some Other Updates)

2025-07-30 2025-07-30 18 Comments

Citigold Checking Account Review 2025.7 Update: It seems starting from 2019, Citigold added a $200 Subscription Rebate benefit: earn up $200 in statement credits for subscriptions made with: Amazon Prime, Costco, Audible, Hulu, Spotify, TSA PreCheck, Global Entry. 2024.10 Update: The new offer is $1,500 with $200k deposit requirement. 2024.1 Update: The new bonus is $1,500/$2,500 with deposit requirement $200k/$300k….
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Checking Accounts

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Citi Strata Credit Card Review (2026.1 Update: 20k Offer)

2025-07-29 2026-06-08 7 Comments

Citi Strata℠ Card Review 2026.1 Update: The welcome offer is now only 20k. 2025.7 Update: New card launched. Welcome offer 30k. Application Link Citi Strata Benefits 20k Welcome Bonus: Earn 20,000 ThankYou Points (TYP) after spending $1,000 within the first 3 months of account opening.The best recent offer is 30k. We value TYP at 1.6 cents/point, making the welcome bonus…
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Citibank

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Southwest® Rapid Rewards® Premier Business Credit Card Review (2025.1 Update: 60k Offer)

2025-07-25 2026-03-16 15 Comments

Southwest® Rapid Rewards® Premier Business Credit Card Review 2025.7 Update: This card is completely renewed, and the annual fee is increased from $99 to $149. The new benefits are marked with [New] below. 2025.1 Update: The higher offer is expired. There’s only 60k offer now. 2024.6 Update: The new offer is 60k+60k, the latter part requires $15k spending which is…
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Chase Business Card

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United℠ Business Card Review (2025.7 Update: 110k Offer)

2025-07-18 2026-04-03 71 Comments

United℠ Business Card Review 2026.4 Update: There’s a new benefit added on all UA cobranded cards: 10% off on UA award flights. For the no fee card UA Gateway card, you need to spend $10k in a calendar year to get this benefit, while for all other UA cobranded cards with an annual fee, you get this benefit as long…
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Chase Business Card

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United℠ Club Business Card Card Review (2025.7 Update: 110k Offer)

2025-07-18 2026-04-03 52 Comments

United℠ Club Business Card Review 2026.4 Update: There’s a new benefit added on all UA cobranded cards: 10% off on UA award flights. For the no fee card UA Gateway card, you need to spend $10k in a calendar year to get this benefit, while for all other UA cobranded cards with an annual fee, you get this benefit as…
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Chase Business Card

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Chase Freedom Flex℠ (CFF) Credit Card Review (2024.4 Update: $200 Offer)

2025-07-01 2026-05-06 21 Comments

Chase Freedom Flex℠ Credit Card Review 2024.4 Update: The $200+5% on grocery&gas offer is expired. The current offer is $200. 2023.7 Update: There is a new $200+5% on grocery&gas offer. Screenshot. [2023.9 Update] Expired. The current offer is $200. Offer Link Chase Freedom Flex (CFF) Benefits $200 offer: earn $200 cash back after spending $500 in the first 3 months.The best…
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Chase

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AmEx Starts to Have “AS HIGH AS xxx” Wording in Welcome Offer (Update: More Common Now)

2025-06-27 2025-06-27 2 Comments

Starting around November 2023, AmEx began rolling out a new and rather shady type of welcome offer. Instead of clearly telling you what you’ll get upfront, the offer headline now reads something like “AS HIGH AS xxx points.”The catch? You won’t know your actual bonus until after you fill in your info and submit the application. Only then—before accepting the…
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AmEx Summaries

BoA Alaska Credit Card Review (Replaced by New Card)

2025-06-04 2025-08-23 129 Comments

BoA Alaska Airlines Visa Signature Card Review 2025.8 Update: This card is now replaced by the new card BoA Alaska Atmos Ascent. Existing cards are automatically converted. Application Link BoA Alaska Benefits 65k offer: earn 65,000 Alaska Miles after spending $3,000 in first 3 months. Plus a companion fare in the first year. The best recent offer is 70k+$100. We…
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Discontinued Credit Cards

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BoA Unlimited Cash Rewards Credit Card Review (2025.6 Update: $200 Offer + Unlimited 2% Cashback First Year)

2025-06-02 2026-06-03 44 Comments

Bank of America Unlimited Cash Rewards Credit Card Review 2025.6 Update: The new offer is $200 plus unlimited 2% cashback for the first year. This is 0.5% more cashback in addition to the existing 1.5% cashback rate. Therefore, if you are a Platinum Honors member with +75% bonus, you will earn 1.5%*(1+75%)+0.5%=3.125% cashback rate! This is the best ever offer…
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BoA

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BoA Alaska Business Credit Card Review (Replaced by New Card)

2025-05-26 2025-08-23 26 Comments

Alaska Airlines Visa Business Card Review 2025.8 Update: This card is now replaced by the new card BoA Alaska Atmos Business. Existing cards are automatically converted. Application Link BoA Alaska Business Benefits 75k offer: earn 75,000 Alaska Miles after spending $4,000 in first 90 days. Plus, earn a $121 companion fare in the first year. This is the best offer…
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Discontinued Small Business Credit Cards

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Citi Rewards+® Card Review (2025.5 Update: Will Be Automatically Converted to Citi Strata Card on Jul 20)

2025-05-22 2025-07-29 33 Comments

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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Discontinued Credit Cards

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Discover Savings Account Review (2026.1 Update: Discontinued)

2025-05-20 2026-01-21 53 Comments

Discover Savings Account Review 2026.1 Update: This account is no longer available for applications. The application page is only showing “Discover is part of Capital One”. R.I.P. 2025.9 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 $150/$200 Offer Benefits New account opening bonus of…
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Savings Accounts / MMA

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AmEx Schwab Investor Credit Card Review (2026.6 Update: $300 Offer)

2025-05-08 2026-06-14 22 Comments

Schwab Investor Card from American Express Review [2026.6 Update] The new welcome offer is $300. [2025.5 Update] The new welcome offer is $300. [2025.6 Update] The welcome offer is back to $200. [2024.11 Update] The new welcome offer is $300. [2024.12 Update] The welcome offer is back to $200. Application Link AmEx Schwab Investor. You need to have a Charles Schwab Brokerage…
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AmEx

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