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

Instacart Mastercard® Credit Card from Chase Application Link Chase Instacart Benefits $50 offer: get a $50 Instacart credit after approval. The best recent 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 earn 1% on all other purchases. Get 1…
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Chase Starbucks Credit Card Review (2023.4 Update: Discontinued)

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. Application Link Chase Starbucks Benefits…
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US Bank Shopper Cash Rewards Credit Card Review (2026.6 Update: Discontinued?)

US Bank Shopper Cash Rewards Visa Signature Credit Card Review [2026.6 Update] It seems this card is discontinued. [2022.10 Update] New card launched. 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…
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Barclays AAdvantage Aviator Business Credit Card Review (Discontinued)

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. Application Link Barclays AAdvantage Aviator Business Benefits 75k offer:…
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AmEx Blue Business Cash Credit Card Review (2023.10 Update: $250 Offer)

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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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 best recent 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 best recent 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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