Author Archive: physixfan

BoA Virgin Atlantic (VS) Credit Card Review (2023.6 Update: Probably Discontinued)

Bank of America Virgin Atlantic World Elite MasterCard 2023.6 Update: This card seems discontinued. Application link can not be found on the landing page, and it says “We’re not accepting new applications right now”. 2021.10 Update: The 65k offer is back~ Application Link BoA Virgin Atlantic (BoA VS) Benefits 65k offer: earn 60,000 Virgin Atlantic (VS) miles after spending $2,000…
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Wells Fargo Reflect Credit Card Review

Wells Fargo Reflect℠ Card Review Application Link Wells Fargo Reflect Benefits Up to 21 months 0 APR: 0% introductory APR for 18 months on purchases and balance transfers, and intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. $600 cell phone insurance: Pay your monthly cell phone bill using your eligible Wells…
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Discover Savings Account Review (2023.11 Update: $150/$200 Offer)

Discover Savings Account Review Application Link Discover Savings Benefits New account opening bonus of $150/$200! See below for detailed requirements. The opening bonus will arrive very quickly, typically a few days after you deposit the required money. $0 monthly fee. No early termination fee, you can close the account whenever you want. Interest rate (APY) is decent enough among savings…
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Discover it Credit Card Review (2022.3 Update: No Credit History Required, $100 Offer)

Discover it Credit Card Review 2022.3 Update: It seems the good grade reward is no longer available. 2021.9 Update: Some users are targeted to generate referral links with $100 welcome offer. The link we use on our site has $100 welcome offer. Application Link Discover it Through this link, you might see the application page for either Discover it or…
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ABOC Platinum Rewards Credit Card Review (Discontinued) (2021.8 Update: No 5% CB Any More)

ABOC (Amalgamated Bank of Chicago) Platinum Rewards Credit Card Review 2021.8 Update: The 5% cashback feature will be removed as of Aug 27. You can only earn 1% cashback on all purchases afterwards. HT: DoC. 2021.5 Update: It seems this card is discontinued. 2019.7 Update: There’s no Foreign Transaction Fee (FTF) on this card any more. BTW, the new 5%…
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What Is Chase 5/24 Rule and How to Bypass It (2021.8 Update: Fixed APR, Green/Black Star Offers No Longer Bypassing 5/24)

2021.8 Update: Data points are starting to trickle in on Reddit and DoC showing that fixed APR applications are no longer bypassing the Chase 5/24 rule. This includes Green Star/Black Star “Selected for You” and Pre-approved/Pre-qualified offers that would show up on the Chase app and website. The result of submitting an application is immediate denial and no evidence of…
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AmEx EveryDay Preferred (EDP) Credit Card Review (2021.8 Update: 30k Offer Is Back)

The AmEx EveryDay Preferred Credit Card (EDP) Review 2021.8 Update: The 30k offer is back, you should be able to see it via incognito mode. It seems to only appear on referral links, not on public links . HT: reader Jos Malig-on. 2021.5 Update: It seems the 30k offer is gone. The current offer is only 15k. 2018.7 Update: According…
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BoA Amtrak Guest Rewards Credit Card Review (Discontinued)

Bank of America Amtrak Guest Rewards World MasterCard Review 2022.1 Update: This card is discontinued. 2021.10 Update: The higher offer expired. There’s only 20k offer now. 2021.8 Update2: During the booking process, there is a 50k+$100 offer of this card. I’ve obtained a direct link, see application link part. 2021.8 Update: The new offer is 50k, and this is the…
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US Bank Triple Cash Business Credit Card (2020.8 Update: $500 Offer & Revamped)

U.S. Bank Triple Cash Rewards Visa® Business Card Review 2020.8 Update: This card is revamped: Restaurants are added to its 3% bonus category. There’s a new benefit: $100 software credit. This benefit is removed: 25% Annual Bonus based on your prior year’s Cash Rewards, up to $250. The name is changed from US Bank Business Cash to US Bank Triple Cash…
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BoA Unlimited Cash Rewards Credit Card Review (New Card, $200 Offer)

Bank of America Unlimited Cash Rewards Credit Card Review 2021.7 Update: This is a new card, and the welcome offer is $200. Application Link BoA Unlimited Cash Rewards Benefits $200 offer: earn $200 cashback after spending $1,000 in first 3 months. Earn 1.5% cashback on all purchases. BoA Preferred Rewards program: If you have checking/savings/brokerage account in BoA or Merrill…
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Aer Lingus Visa Signature® Card Review (2023.5 Update: 75k Offer)

Aer Lingus Visa Signature® Card Review 2023.5 Update: The new offer is 75k. 2022.7 Update: There’s a new offer. Although the official webpage still says 100k offer, but it is actually: earn 75k by spending $5k in the first 3 months, and earn another 25k by spending $20k in total in the first 12 months. The latter 25k part is actually…
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Iberia Visa Signature® Card Review (2023.5 Update: 75k Offer)

Iberia Visa Signature® Card Review 2023.5 Update: The new offer is 75k. 2022.7 Update: There’s a new offer. Although the official webpage still says 100k offer, but it is actually: earn 75k by spending $5k in the first 3 months, and earn another 25k by spending $20k in total in the first 12 months. The latter 25k part is actually just…
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British Airways Visa Signature® Card Review (2023.5 Update: 75k Offer)

British Airways Visa Signature® Card Review 2023.5 Update: The new offer is 75k. 2022.7 Update: There’s a new offer. Although the official webpage still says 100k offer, but it is actually: earn 75k by spending $5k in the first 3 months, and earn another 25k by spending $20k in total in the first 12 months. The latter 25k part is…
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AmEx Platinum Card for Schwab Review (2023.8 Update: 80k Offer)

American Express Platinum Card for Schwab Review 2023.8 Update: The 100k welcome offer is expired. The current offer is 80k. 2022.3 Update: The +10x on restaurant and shop small part of welcome offer is expired. The current offer is 100k. 2021.9 Update: The cash out rate is changed from 1.25 cpp to 1.1 cpp. [/su_spoiler] Application Link AmEx Platinum Card…
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