Author Archive: physixfan

US Bank Smartly Credit Card Review (2025.4 Update: Got Nerfed)

U.S. Bank Smartly™ Visa Signature® Card Review 2025.4 Update: Starting from today (2025.4.14), the benefits of this card got nerfed. Existing customers can enjoy the previous benefits, new customers will get the following new changes: Only checking account balances count toward the reward tiers. Savings account and brokerage account don’t count any more. The extra cashback is no longer unlimited,…
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Wells Fargo Choice Privileges Credit Card Review (2026.1 Update: 60k Offer)

Choice Privileges® Mastercard® Review 2026.1 Update: The new offer is 60k. 2025.9 Update: The higher offer is expired. Currently there’s only a 40k offer. 2025.4 Update: The new offer is 60k. 2025.1 Update: The higher offer is expired. Currently there’s only a 40k offer. Application Link Wells Fargo Choice Privileges Benefits 60k offer: Earn 60,000 Choice Privileges points after spending…
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United Gateway℠ Card Review (2025.11 Update: 40k Offer)

United Gateway℠ Card Review 2025.11 Update: The new offer is 40k. 2025.7 Update: The new offer is 30k: in addition to the 20k offer with $1k spending requirement, earn 10k more miles when you add an authorized user in the first 3 months. That’s 30k miles in total. Offer ends on Nov 5. 2025.4 Update: There’s a new link with better…
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Barclays Wyndham Earner Business Credit Card Review (2025.6 Update: 45k Offer)

Wyndham Rewards® EarnerSM Business Card Review 2025.3 Update: The new offer is 75k, note that the spending requirement is high: $12k in 12 months. [Expired] 2024.9 Update: The new offer is 80k, note that the spending requirement is high: $15k in 12 months. [Expired] Application Link Barclays Wyndham Earner Business Benefits 75k offer: earn 50,000 Wyndham points after spending $4,000 in the…
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Apple Card Review (2024.10 Update: $75 Offer)

Apple Card Review 2024.10 Update: The $100 offer is expired. The $75 offer is still alive. 2024.8 Update: There’s $100 offer now. 2024.1 Update: The $75 offer is expired. There’s no welcome offer now. Application Link Apple Card Features $75 offer: earn $75 after making one purchase in the first 30 days. The recent best offer is $100. Earn 3%…
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Citi Priority Package Review (2024.10 Update: $500 Offer)

Citibank Priority Package Review 2024.10 Update: The $500 offer is extended to 1/7/2025. 2024.1 Update: The new offer is $500 with $30k deposit. There is also a new change: the 0 monthly fee requirement for Citi Priority has been lowered from $50k to $30k. Application Link Citi Priority Package Benefits $500 sign-up bonus! Please read below for the requirements to…
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Costco Anywhere Visa® Card by Citi Review (2025.5 Update)

Costco Anywhere Visa® Card by Citi Review 2024.10 Update: This card does not have any welcome offer most of the time. Currently there’s a $75 welcome offer, which is the best ever offer on this card! Application Link Costco Anywhere Visa® Card by Citi Benefits Earn 5% cash back on Costco gas; 4% cash back at other gas stations and EV…
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AmEx EveryDay (ED) Credit Card Review (2024.9 Update: Discontinued? Or Being Refreshed?)

The AmEx EveryDay Credit Card (ED) Review 2024.9 Update: It seems the previous application links for this card are all showing loading error now. Is it discontinued? Or is it being refreshed? 2021.1 Update: It seems the 25k offer is no longer available. The current offer is 10k. Application Link AmEx EveryDay (ED) Benefits 10k offer: earn 10,000 Membership Rewards…
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Iberia Visa Signature® Card Review (2026.1 Update: 90k Offer)

Iberia Visa Signature® Card Review 2026.1 Update: The new offer is 90k. 2025.1 Update: The welcome offer is changed to 75k. 2024.9 Update: Current offer is 100k points after $7500 spend within 6 months of account opening. Application Link Chase Iberia Benefits 90k offer: earn 90,000 bonus Avios miles after spending $5,000 in 3 months. The recent best offer is 100k….
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Aer Lingus Visa Signature® Card Review (2026.1 Update: 90k Offer)

Aer Lingus Visa Signature® Card Review 2026.1 Update: The new offer is 90k. 2025.1 Update: The welcome offer is changed to 75k. 2024.9 Update: Current offer is 100k bonus points after $7500 spend within 6 months of account opening. Application Link Chase Aer Lingus Benefits 90k offer: earn 90,000 bonus Avios miles after spending $5,000 in 3 months. The recent best…
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Upgrade MyFive “Credit Card” Review (New Card, 5% Category of Your Choice)

MyFive Cash Rewards Review Application Link Upgrade MyFive Features Every month, you can choose one category from the following to earn 5% cash back, with a quarterly cap of $3,000: Groceries Dining Drug Stores Travel TV, Internet, and Streaming Services Cell Phone Providers Pet Care and Stores Home Utilities All other purchases earn 1% cash back. No annual fee. Disadvantages…
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Capital One Spark Cash Plus Review (2024.8 Update: $2,000 Offer!)

Capital One Spark Cash Plus Review 2024.8 Update: The new offer is $2,000, and its spending requirement is $30k in 3 months. The spending requirement is huge so it is only suitable for those who have a lot of spending. Besides, in the first year, you earn extra $2,000 for every $500k spent. This is equivalent to 0.4% cashback. The…
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AmEx Gold Card Review (2025.6 Update: AS HIGH AS 100k Offer)

American Express Gold Card (Formerly Premier Rewards Gold) Review 2025.6 Update: It seems all the links are showing a “AS HIGH AS” 100k welcome offer, and there’s no link with a fixed 100k welcome offer any more. 2024.11 Update: The 100k+$100 offer is expired. Currently there’s a 100k offer if you try hard in incognito mode. 2024.7 Update: New benefits…
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Wells Fargo Choice Privileges Select Credit Card Review (2025.1 Update: 60k Offer)

Choice Privileges® Select Mastercard® Review 2025.1 Update: The higher offer is expired. Currently there’s only a 60k offer. 2024.7 Update: There’s a link with 100k offer now. This is the best ever offer on this card! Application Link Wells Fargo Choice Privileges Select Benefits 60k offer: Earn 60,000 Choice Privileges points after spending $3,000 in the first 3 months from…
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