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Chase Instacart Credit Card Review (2025.9 Update: $50 Offer)

physixfan 2023-02-08 2025-09-02 5 Comments

Instacart Mastercard® Credit Card from Chase ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Instacart Benefits $50 offer: get a $50 Instacart credit after approval. The recent best offer is $300. Earn 5% cashback on Instacart app and website; earn 5% cashback on Chase travel portal; earn 2% cashback on restaurants, gas stations, and on select streaming services; and…
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Chase

BoA Unlimited Cash Rewards Business Credit Card Review (2023.1 Update: $500 Offer)

physixfan 2023-01-27 2023-01-27 0 Comments

Bank of America Business Advantage Unlimited Cash Rewards Credit Card Review 2023.1 Update: There is a $1,000 welcome offer now, which is the best ever offer on this card. It seems people see a blank page after submitting the application, and nobody has successfully applied. So we switched back to the $500 offer link in the application link section below. 2021.10 Update:…
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BoA Business Card

Bank of America (BoA), No Annual Fee

Chase Starbucks Credit Card Review (2023.4 Update: Discontinued)

physixfan 2022-12-30 2023-04-09 42 Comments

Starbucks Rewards Visa Credit Card 2023.4 Update: This card will be converted to CFU or CFF on Jul 20, 2023. HT: DoC. 2022.12 Update: This card seems discontinued. Also, the Stars will devalue in 2023.2.13, see announcement. 2019.3 Update: The new offer is now 6,500 Stars, worth about $260… But still not recommend to apply. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRecommended Downgrade…
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Discontinued Credit Cards

Chase

US Bank Shopper Cash Rewards Credit Card Review (New Card, 6% Cash Back but with $95 Annual Fee)

physixfan 2022-10-24 2022-10-25 26 Comments

US Bank Shopper Cash Rewards Visa Signature Credit Card Review ContentsApplication LinkBenefitsDisadvantages6% Merchants ListRecommended Application TimeSummaryAfter ApplyingHistorical Offers ChartApplication Link Application Link US Bank Shopper Cash Rewards Benefits $250 offer: earn $250 after spending $2,000 in 120 days. Cash back structure: Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose….
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US Bank

Barclays AAdvantage Aviator Business Credit Card Review (Discontinued)

physixfan 2022-10-05 2025-10-04 84 Comments

AAdvantage® Aviator® Business Mastercard® Review Update: This card is discontinued. Now Citi is the sole partner of AA. 2024.2 Update: There is no available link for this card now. Maybe this card is discontinued? Maybe the link will come back in a few days? 2023.5 Update: The offer is lowered to 75k now. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade…
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Discontinued Small Business Credit Cards

Airline Credit Card, American Airlines (AA), Barclays, No Foreign Transaction Fee

AmEx Blue Business Cash Credit Card Review (2023.10 Update: $250 Offer)

physixfan 2022-09-28 2023-10-05 17 Comments

Blue Business Cash™ Card from American Express Review 2023.10 Update: The offer is now $250 ($3,000 spending in 3 months). 2023.6 Update: The $250 offer (with $3k spending requirement) is expired. The current offer is $500 (with $15k spending requirement). 2022.9 Update: There is a new $500 offer, but it requires $15k spending in total. The $250 offer (with $3k…
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AmEx Business Card

American Express (AmEx), No Annual Fee

Marriott Bonvoy Bountiful™ Credit Card Review (2023.2 Update: 85k Offer)

physixfan 2022-09-22 2023-02-15 12 Comments

Marriott Bonvoy Bountiful™ Credit Card Review 2023.2 Update: The offer is now lowered to 85k. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Marriott Bonvoy Bountiful Benefits 85k offer: Earn 85,000 Marriott points by spending $4,000 in the first 3 months. The recent best offer is 125k. We estimate the value of a…
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Chase

Chase, Marriott Bonvoy

PayPal Cashback Mastercard® Review (2025.3 Update)

physixfan 2022-09-08 2025-07-19 22 Comments

PayPal Cashback Mastercard® Review ContentsApplication LinkBenefitsDisadvantagesSummaryHistorical Offers ChartApplication Link Application Link PayPal Cashback Mastercard® Benefits Earn 3% cashback if you make the payment via PayPal; and earn 1.5% cashback on all other purchases. Redeem Cash Rewards right to your PayPal balance and use them whenever you want. No redemption threshold. No annual fee. Disadvantages No welcome offer. Summary 3% cashback rate…
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Other Banks

Cash Back Credit Card, No Annual Fee, PayPal

BoA AAA Credit Card Review (2022.8 Update: Discontinued)

physixfan 2022-08-25 2022-08-25 29 Comments

Bank of America AAA Member Rewards Visa Signature® Credit Card Review 2022.8 Update: This card is discontinued, as all previous application links are dead. Now in BoA app, there is a reminder that says this card will be automatically converted to another weak AAA card issued by another bank. R.I.P. 2021.8 Update: Something strange is happening to this card: The…
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Discontinued Credit Cards

Bank of America (BoA), No Annual Fee, No Foreign Transaction Fee

Wells Fargo Active Cash Review (2022.8 Update: $200/$250 Offer)

physixfan 2022-08-08 2022-11-04 11 Comments

Wells Fargo Active Cash Card Review 2022.8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. HT: DoC. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryHistorical Offers ChartApplication Link Application Link Wells Fargo Active Cash $200 offer Wells Fargo Active Cash $250 offer: in branch Benefits $200 offer: earn $200 after spending $1,000 in first 3 months. Earn 2%…
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Wells Fargo

Cash Back Credit Card, No Annual Fee, Wells Fargo

Wells Fargo Autograph Credit Card Review (2024.1 Update: 20k Offer)

physixfan 2022-07-13 2025-10-28 44 Comments

Wells Fargo AutographSM Card Review ContentsApplication LinkBenefitsWells Fargo PointsRecommended Application TimeSummaryHistorical Offers ChartApplication Link Application Link Wells Fargo Autograph Benefits 20k offer: earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. The recent best offer is 30k. The points earned by this card can be redeemed towards statement credit at a fixed 1 cent/point…
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Wells Fargo

No Annual Fee, No Foreign Transaction Fee, Wells Fargo

AmEx New Feature: Apply With Confidence

physixfan 2022-06-08 2022-06-08 3 Comments

These days some people (like in USCardForum and MyFICO) are starting to notice a new AmEx feature: “Apply With Confidence”. This feature means, if you can see the “Apply With Confidence” box in the application page, then AmEx will do a soft pull based on your info, give you a decision whether they will approve your application, and then let…
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AmEx Summaries

American Express (AmEx)

Opinion: Business Class Doors Are Actually Revolutionary

DEVGRU 2022-04-23 2022-04-23 6 Comments

Matt at Live and Let’s Fly wrote a piece a few days ago calling doors in business class suites “(a)n n unnecessary gimmick”. His main argument is that such doors are (1) thin and flimsy, (2) not tall enough to provide a meaningful amount of privacy, (3) poor in quality, and finally (4) conducive to a sense of claustrophobia. Instead,…
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Personal Experience

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

DEVGRU 2022-04-18 2022-04-18 7 Comments

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…
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Marriott Bonvoy

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

physixfan 2022-04-09 2023-11-13 25 Comments

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…
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Credit Card Perks Summaries