Author Archive: physixfan

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

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

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

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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BoA Alaska Credit Card Review (Replaced by New Card)

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

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

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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Discover Savings Account Review (2026.1 Update: Discontinued)

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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AmEx Schwab Investor Credit Card Review (2026.7 Update: $200 Offer)

Schwab Investor Card from American Express Review [2026.7 Update] The welcome offer is back to $200. [2026.6 Update] The new welcome offer is $300. [2025.6 Update] The welcome offer is back to $200. [2025.5 Update] The new welcome offer is $300. Application Link AmEx Schwab Investor. You need to have a Charles Schwab Brokerage Account in order to apply for this card. Benefits…
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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 (2026.9 Update: 60k Offer)

Choice Privileges® Mastercard® Review 2026.9 Update: The new offer is 60k. Application Link Wells Fargo Choice Privileges Benefits 60k offer: Earn 60,000 Choice Privileges points after spending $1,000 in the first 3 months from account opening. The best recent offer is 70k. We estimate that Choice Privileges points are worth about 0.6 cents/point. So the 70k highest sign-up bonus is…
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United Gateway℠ Card Review (2025.11 Update: 40k Offer)

United Gateway℠ 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 as…
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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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