Author Archive: physixfan

Capital One Venture X Credit Card Review (2026.2 Update: 75k Offer; Lounge Benefit Weakened)

2026-02-02 2026-04-17 66 Comments

Capital One Venture X Credit Card Review 2026.2 Update: Effective February 1, 2026, this card’s authorized users will lose complimentary airport lounge access (both Priority Pass Select and Capital One Lounges). Going forward, each authorized user must pay $125 to retain lounge access. For our readers, a benefit that requires paying extra is essentially no benefit at all. Previously, the…
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Capital One

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Capital One Venture X Business Credit Card Review (2026.2 Update: 150k Offer; Lounge Benefit Weakened)

2026-02-02 2026-02-02 11 Comments

Capital One Venture X Business Credit Card Review 2026.2 Update: Effective February 1, 2026, this card’s authorized users will lose complimentary airport lounge access (both Priority Pass Select and Capital One Lounges). Going forward, each authorized user must pay $125 to retain this benefit. For our readers, a benefit that requires paying extra is essentially no benefit at all. Previously,…
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Capital One Business Card

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Marcus by Goldman Sachs Savings Account Review (2026.3 Update: Up To $1,500 Deposit Bonus (Expired))

2026-01-29 2026-03-16 111 Comments

Marcus by Goldman Sachs Savings Account Review 2026.1 Update: There is currently a deposit bonus promotion. The enrollment link is here, and the bonus-to-deposit tiers are shown in the table below. The bonus rate is very attractive. Considering that Marcus already offers a fairly competitive interest rate, it’s even better if you can stack this with an additional referral boost….
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Savings Accounts / MMA

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Bilt Cash Review: Bilt’s 2nd Rewards System, A Very Thick Coupon Book

2026-01-24 2026-06-23 4 Comments

A few days ago, Bilt officially announced how Bilt Cash works. It’s… complicated. This article is dedicated to walking through it in detail. What Is Bilt Cash Bilt Cash is a second rewards system launched by Bilt, separate from Bilt Points. Bilt Points are extremely popular thanks to excellent transfer partners (including Hyatt, Japan Airlines, Alaska Airlines, United, etc.) and…
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Bilt Summaries

Bilt Palladium Card Review (New Card, $495 Annual Fee, 50k Bilt Points + $300 Bilt Cash + Bilt Gold Offer)

2026-01-17 2026-06-23 6 Comments

Bilt Card 2.0: Bilt Palladium Card Review Application Link Bilt Palladium Terms Apply Features and Benefits 50k Bilt Points + $300 Bilt Cash + Bilt Gold Welcome Offer: Earn $300 of Bilt Cash when you apply and get approved; earn 50,000 Bilt Points + Bilt Gold status after spending $4,000 (excluding rent or mortgage) in the first 3 months. This card…
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Other Banks Business Cards

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Bilt Obsidian Card Review (New Card, $95 Annual Fee, $200 Bilt Cash Offer)

2026-01-17 2026-06-23 3 Comments

Bilt Card 2.0: Bilt Obsidian Card Review Application Link Bilt Obsidian Terms Apply Features and Benefits $200 Bilt Cash Welcome Offer: Earn $200 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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Other Banks

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

2026-01-17 2026-06-23 4 Comments

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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Other Banks

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Citi Regular Checking Review (2026.1 Update: $325 Offer)

2025-11-17 2026-04-23 36 Comments

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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Checking Accounts

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Bilt Mastercard (Old Version) Review (Discontinued, Bilt 2.0 Three New Cards Launched)

2025-10-09 2026-01-17 76 Comments

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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Discontinued Credit Cards

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Citi Strata Elite Credit Card Review (2026.3 Update: 75k Offer)

2025-10-08 2026-09-21 7 Comments

Citi Strata Elite℠ Card Review [2026.9 Update] Citi has updated the churn rule for its Strata lineup, adopting an AmEx-style once-in-a-lifetime restriction. [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:…
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Citibank

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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review (2025.10 Update: 80k Offer Still Alive!)

2025-10-03 2026-06-05 142 Comments

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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Citibank

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Mesa Homeowners Card Review (Earn Points on Mortgage) (2025.12 Update: All Cards Shut Down!)

2025-09-22 2025-12-17 3 Comments

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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Discontinued Credit Cards

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Southwest Rapid Rewards® Performance Business Credit Card Review (2025.10 Update: 80k Offer)

2025-09-19 2026-03-16 22 Comments

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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Chase Business Card

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AmEx Platinum Card Review (2026.2 Update: AS HIGH AS 175k Offer)

2025-09-18 2026-05-07 360 Comments

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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AmEx

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