Chase Freedom Unlimited® Review (2019.8 Update: $200 Offer!)

Chase Freedom Unlimited® Review 2019.8 Update: The new offer is $200 (i.e. 20k Ultimate Rewards points)! Application Link Chase Freedom Unlimited (CFU) Benefits 20k offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in the first 3 months. Earn 1.5x UR on everything, no cap! Although this card is advertised as a cash back card, it actually earns Ultimate…
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Barclaycard Wyndham Credit Card Review (2019.8 Update: 45k Offer Is Back)

Wyndham Rewards Visa Signature Card Review 2019.8 Update: The 45k offer is back. Note that the first year annual fee is waived for this offer. HT: reddit. Application Link Barclaycard Wyndham Benefits 45k offer: earn 45,000 Wyndham points after spending $1,000 within the first 90 days. This is the best offer in recent years. Wyndham points are valued around 1.0 cents/point…
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Guide to the FICO Credit Score

Introduction A credit score is a three-digit number that represents “creditworthiness,” or the degree of perceived risk a lender is assuming by providing an individual with credit.  A credit score is generated through a statistical analysis of a credit report based on five primary factors, including payment history, amount of outstanding debt owed, length of credit history, types of credit,…
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Wings of the Points — UR/MR/TYP/C1/Marriott Points to Miles Transfer Chart (2019.8 Update: UR Adds Partner Emirates)

2019.8 Update2: Chase UR adds a new partner Emirates (EK) Skywards, and the transfer ratio is 1:1. HT: Reddit. 2019.8 Update: Citi TYP has quietly removed transfer partner Garuda Indonesia (GA) GarudaMiles. HT: FM. This is not a big thing because I believe 99.9% of people never used GarudaMiles. But lack of notice is not good. 2019.6 Update: Marriott Bonvoy…
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The Heaviest Credit Cards List (2019.8 Update: Citi Prestige Now Heavier; Chase Marriott Now Plastic Card)

2019.8 Update: Added new card Apple Card: 15. Most credit cards are made of plastics (~5g), but some are made of metal. Not all heavy cards have the same weight, which credit cards are the heaviest? #1: JP Morgan Reserve: 27g Annual fee: $450. Note: you need to be a client of JP Morgan Private Bank (which requires $10M investable assets) in…
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Apple Card Review (2019.8 Update: Publicly Available Now)

Apple Card Review 2019.8 Update: It’s publicly available now. If you still can’t see it, please make sure your iOS system is updated to at least version 12.4. BTW, today there is a new bonus category: you can now earn 3% cashback on Uber and Uber Eats via Apple Pay. Application Link Here is the official page for Apple Card. Apply in…
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AmEx Platinum Card for Schwab Review (2019.8 Update: 100k Targeted Offer!)

American Express Platinum Card for Schwab Review 2019.8 Update: A Reddit user reported a 100k targeted offer via email on this card, and the spending requirement is $5,000 in 3 months. We are not sure what kind of customers can get this targeted offer. If you get targeted, this is a no brainer! Here is the official landing page. If you…
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Discover Checking Account Review (2019.9 Update: Double Cash Back Promo Still Alive)

Discover Cashback Checking Account (Debit Card/ATM Card) Review 2019.9 Update: The double cash back in the first 6 months offer is still alive. Application Link Discover Checking Account Offer code: CBMA919 Benefits Sign-up bonus: earn double cash back for the purchases through 2020.03.31. Offer ends on 2019.09.30. Earn 1% cash back on up to $3,000 in debit card purchases each month. $0…
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IHG® Rewards Club Premier Credit Card Review (2019.8 Update: 125k+$50 Offer!)

IHG® Rewards Club Premier Credit Card Review 2019.8 Update: The new offer is 125k+$50. This is the best offer in recent years! Application Link Chase IHG Premier Benefits 125k+$50 offer: earn a $50 statement credit after first purchase, and earn 125,000 IHG points after spending $3,000 in 3 months. This is the best offer in recent years. [New] In the first…
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Amex Business Gold Card Review (2019.8 Update: 50k or $500 Offer)

American Express Business Gold Card Review 2019.8 Update: There is a new $500 offer: earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx within the first 3 months. But I believe the regular 50k offer is more suitable for most people. 2018.12 Update: New benefits arrived. Previous card holders will not get these new…
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United℠ Explorer Business Card Review (2019.8 Update: 100k Offer)

United℠ Explorer Business Card Review 2019.8 Update: There is a 50k+50k new offer now. First year annual fee NOT waived. However, the spending requirement for the latter 50k part is HUGE. The previous 50k offer may be a better option for most people. Application Link Chase UA Explorer Business Benefits 50k+50k offer: earn 50,000 bonus miles after you spend $5,000…
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AmEx Platinum Delta SkyMiles Business Credit Card Review (2019.8 Update: 35k+$100 Offer)

Platinum Delta SkyMiles Business Credit Card from American Express Review Application Link AmEx Platinum Delta SkyMiles Business Benefits 35k Miles+$100+5k MQM offer: earn 35,000 Miles and 5,000 Medallion Qualification Miles (MQM) after spending $1,000 in first 3 months (Note that MQMs are not the kind of miles to redeem for flights, they are only helpful to get elite status). Earn $100 after using…
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Platinum Delta SkyMiles® Credit Card from American Express Review (2019.8 Update: 75k+$100 Offer)

Platinum Delta SkyMiles® Credit Card from American Express Review Application Link AmEx Platinum Delta SkyMiles public link. This is the official link, possible 75k+$100 offer with $3,000 spending requirement. Note that you have to use the incognito mode or empty the cache in your browser to see the higher offer. If you can only see the 35k+$100 offer, please try a few more…
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Points Transfer Bonus Offers: MR -> British Airways (BA) Avios 40% Bonus (targeted)

We will keep updating recent points transfer bonus offers in this post. (2019.6) MR -> British Airways (BA) Avios 40% Bonus (Targeted) Today American Express is offering some members a 40% bonus when transferring their membership rewards points to their BA avios account. It is a targeted offer. You need to log in to your Amex account to see if…
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Alliant Visa Platinum Rewards Credit Card Review (2019.9 Update: $250 Offer Is Expired)

Alliant Visa Platinum Rewards Card Review 2019.9 Update: The $250 offer is expired. The regular offer is $50. 2019.8 Update: The new offer is $250. Offer ends on 2019.08.30. Note that the bank says the $250 offer is “pre-approval offer, only for current members who meet the card’s qualification criteria” although it can be publicly seen. Application Link Alliant Visa Platinum…
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