Author Archive: physixfan

Citi Custom Cash Credit Card Review (2022.1 Update: 20k Offer)

Citi Custom Cash Mastercard Review 2022.1 Update: The 30k link is expired. The current offer is 20k. 2021.11 Update: There’s a 30k direct link now (it seems to be a link from CreditKarma, and we have no relationship with them). 2021.6 Update: There’s a 30k offer in branch. Application Link Citi Custom Cash Benefits 20k offer: earn 20,000 ThankYou Points…
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Best Rewards Credit Cards To Keep (2021.10 Update)

Credit cards could bring you great rewards, often greater than you thought. Typically, there are two ways to earn rewards with credit cards: everyday purchases and sign-up bonus. Credit cards with high sign-up bonus (see Best Credit Card Sign-Up Bonus) are usually not the credit cards you should choose for everyday use, since they often come with annual fees but not so good…
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Fidelity Debit Card Review: No ATM Fee Worldwide (2021.10 Update: $100 Offer)

Fidelity Cash Management Account ATM/Debit Card (Fidelity Visa Gold Check Card) Review 2021.10 Update: There’s a $100 offer now, and it’s really easy to get: just transfer in $50! Many people need to travel abroad frequently, and they usually ask a question: what is the best debit card to withdraw cash from ATM abroad? We all know that in some countries the…
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BoA Virgin Atlantic (VS) Credit Card Review (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 (2024.9 Update: Discontinued? Or Being Refreshed?)

The AmEx EveryDay Preferred Credit Card (EDP) 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? 2021.8 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…
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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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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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CitiBusiness ThankYou Card Review (Discontinued)

CitiBusiness ThankYou® Card Review 2023.2 Update: It seems this card is discontinued. HT: DoC. 2021.6 Update: This card is not in the Citi website credit cards list, and you can’t apply online, therefore not many people know its existence. Currently there’s 20k/30k/40k offer in branch depending on location. You can ask Citi to match to 40k. HT: DoC. Application Link CitiBusiness…
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US Bank Altitude Connect Credit Card Review (2024.8 Update: 20k Offer)

US Bank Altitude Connect Visa Signature Card Review 2024.7 Update: The higher offer is expired. Currently there’s only a 20k offer. 2022.1 Update: The offer is still 50k, with a lower spending requirement now ($3k->$2k). Application Link US Bank Altitude Connect Benefits 20k offer: earn 20,000 bonus points after spending $1,000 in first 90 days. The recent best offer is…
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