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

Marriott Bonvoy Bountiful™ Credit Card Review 2023.2 Update: The offer is now lowered to 85k. 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 Marriott point at 0.7 cents/point, so the 125k sign-up bonus is worth…
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PayPal Cashback Mastercard® Review (2025.3 Update)

PayPal Cashback Mastercard® Review 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 on payments via PayPal is…
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BoA AAA Credit Card Review (2022.8 Update: Discontinued)

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

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. 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% cash back on all purchases. $600 cell…
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Wells Fargo Autograph Credit Card Review (2024.1 Update: 20k Offer)

Wells Fargo AutographSM Card Review 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 ratio, so the 30k highest offer is worth $300….
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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…
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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…
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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…
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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…
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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…
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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…
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