Are dynamic Marriott points more valuable now? Yes, but with a big caveat …

The Points Guy recently published a quantitative analysis arguing that the Marriott points, even after the implementation of dynamic awards, retain its purported value of ~0.8 cent/pt. To get that conclusion, they pulled data from 50+ hotels over ~150 days. In fact, the average redemption value after the dynamic award is in place is 0.84 c/pt. They thus concluded that…
Read more

The Best Credit Cards For Cell Phone Protection Benefit (2023.11 Update)

2023.11 Update: Added AmEx Hilton Aspire. 2022.4 Update: Updated a lot of changes over the years. In particular: new card Bilt Mastercard and Capital One Venture X have this benefit; Chase IHG Premier no longer has this benefits. In recent years, some credit cards start to offer cellular telephone protection benefit: as long as you pay your monthly wireless telephone…
Read more

US Bank Cash Plus Credit Card Review (2022.2 Update: $200 Offer, Added 5% Cashback on Its Travel Portal)

US Bank Cash+ Visa Signature Credit Card Review 2022.2 Update: There’s a new benefit: earn 5% cashback on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Travel Center. This is in addition to the 5% categories every quarter. HT: DoC. 2021.9 Update: The new offer is $200. 2021.1 Update: According to an email sent from US Bank,…
Read more

Capital One Spark Miles Select Review (2023.2 Update: 20k Offer)

Capital One Spark Miles Select Review Learn More Capital One Spark Miles Select Benefits 20k offer: earn 20,000 Capital One Miles after spending $3,000 in the first 3 months. Earn 1.5x Miles on all purchases. The overall value of Capital One Miles is 1.6 cent/point. See below for a brief introduction. No annual fee. Disadvantages Capital One will pull all…
Read more

US Treasury I-Bonds: How to Buy with a Credit Card and Earn 7.12% APR (with 0% APR float!)

Introduction From consumer spending to miles and points, it is tough to currently identify any market where a currency brings you more value today than a year ago. Inflation crushes purchasing power and in an inflationary environment “cash is trash,” leaving many wondering what to do with their savings account or emergency fund. The US Treasury offers a product called…
Read more

Introducing USCreditCardGuide App for iOS & Android (2022.1 Update: Multiple Accounts Support)

2022.1 Update: We have multiple accounts support now. This feature is useful if you manage credit cards for family members. 2021.8 Update: We added customizing points value feature to the sign up bonus rank. If you can’t see the sort button, please go to settings and click app version to update it to at least version 3.1.60. Screenshot1, screenshot2. I…
Read more

Capital One VentureOne Rewards Credit Card Review (2023.5 Update: 20k Offer)

Capital One VentureOne Rewards Credit Card Review 2023.5 Update: The 40k offer is no longer available. The current offer is 20k. 2023.2 Update: There’s a 40k offer on this card. 2022.7 Update: The 40k offer is no longer available. The current offer is 20k. Learn More Capital One VentureOne Benefits 20k offer: earn 20,000 Capital One Miles after spending $500…
Read more

Finally You Can Check Your Hilton Free Night Certificates Expiration Info Online!

All other hotel chains let you easily manage free night certificates online or in app; however, Hilton is always different about this issue. Previously, you not only can not book with a free night certificate online, but you also can not see how many of the certificates you have left and what their expiration dates are! You have to call…
Read more

Synchrony Premier World Mastercard: Another 2% Cashback Card

Synchrony Premier World Mastercard® Credit Card Review Application Link Synchrony Premier World Mastercard Benefits Earn 2% cash back on all eligible purchases. Cell phone protection: get up to $600 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible…
Read more

FNBO Evergreen Business Credit Card Review (2021.11 Update: $200 Offer)

Evergreen® by FNBO | Business Edition Review 2021.11 Update: The new offer is $200. Application Link FNBO Evergreen Business Benefits $200 offer: earn 20,000 Bonus Points (i.e. $200 cash back) when you spend $1,000 within the first 3 billing cycles.  Earn 2% cash back on all eligible purchases. Earn 10,000 Bonus Points (i.e. $100 cash back) every Anniversary with $10,000 annual…
Read more

FNBO Evergreen Credit Card Review (2021.11 Update: $200 Offer)

Evergreen® by FNBO Credit Card Review 2021.11 Update: The new offer is $200. Application Link FNBO Evergreen Benefits $200 offer: earn 20,000 Bonus Points (i.e. $200 cash back) when you spend $1,000 within the first 3 billing cycles.  Earn 2% cash back on all eligible purchases. No annual fee. Disadvantages Summary This is another 2% cash back no annual fee…
Read more