Barclaycard AAdvantage Aviator Red Credit Card Review (2019.9 Update: 60k Offer & First Year Annual Fee Waived)

Barclaycard AAdvantage Aviator Red World Elite MasterCard Review [2019.9 Update]: There is a new offer for 60k AA miles with the annual fee waived in the first year. This offer does not include a companion certificate, which is our opinion is a good trade off for the waived annual fee. The offer ends on 2019.10.31. HT: reddit. This offer is supposed to be…
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BoA Alaska Business Credit Card Review (2019.9 Update: 42k Offer!)

Alaska Airlines Visa Business Card Review 2019.9 Update: The new offer is 42k miles + companion fare. HT: FM. Application Link BoA Alaska Business Benefits 42k offer: earn 42,000 Alaska Miles after spending $2,000 in first 3 months. Plus earn a $121 companion fare in the first year. We value Alaska Miles at 1.8 cents/point (Airline Miles Value), so the…
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Amex Business Platinum Card Review (2019.9 Update: 110k Offer)

The Business Platinum Card from American Express Review 2019.9 Update: People are now seeing a 110k offer when viewing the application in incognito mode. 2019.7 Update: There is now a 100k public offer, however the spending requirement has increased. This offer now receives 60k MR after $10k spend, and an additional 50k MR after an additional $15k spend. Therefore, to…
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AmEx Marriott Bonvoy Business Credit Card Review (Formerly AmEx SPG Business) (2019.10 Update: 75k Offer)

Marriott Bonvoy Business American Express Card (Formerly Starwood Preferred Guest Business Credit Card from American Express) Review 2019.10 Update: The offer is back to 75k now. 2019.9 Update: The 100k offer has returned! The minimum spend is $5000 within 3 months. This offer is set to expire on 10/23/19. Application Link AmEx Marriott Bonvoy Business Benefits 75k offer: earn 75,000 Marriott points after…
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Summary of Points Transfer Time: UR/MR/TYP/Marriott

One of the primary aspects to the credit card rewards game involves the following transferable point currencies: Chase Ultimate Rewards (UR), AmEx Membership Rewards (MR), Citi ThankYou Points (TYP), and Marriott Bonvoy (MB). The best value for these rewards are often found in transferring to airlines.  The relationship of each currency to various airlines is summarized in Wings of the…
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AmEx Hilton Credit Card Review (2019.8 Update: 100k Offer)

The Hilton Honors American Express Card Review 2019.8 Update: The 100k offer on this card has returned at the same time the 130k+FN offer for the Hilton Surpass/Business cards ended. Application Link AmEx Hilton public link. Possible to see 100k offer with $1,000 spending requirement. Note that you have to use the incognito mode or empty the cache in your…
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British Airways Visa Signature® Card Review (2019.8 Update: 100k Offer & Some New Benefits)

British Airways Visa Signature® Card Review 2019.8 Update: The new offer is 50k after $3k spend and an another 50k after an additional $20k spend.  Some new benefits added to this card also include 2x earning on hotels; a Travel Together Ticket after $30k in annual spend; and statement credit on YQ. See below for details. Application Link Chase British…
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Chase Freedom® Review (2019.8 Update: $200 Offer!)

Chase Freedom® Review 2019.8 Update: The new offer is $200 (20k Ultimate Reward points)! Application Link Chase Freedom Benefits 20k offer: earn 20,000 Ultimate Rewards (UR) points after spending $500 in 3 months from account opening.  Earn 5x UR in each quarter’s bonus categories, 1x UR on all other purchases. You need to activate beforehand, and the deadline is the 14th of…
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Chase Freedom Unlimited® Review (2019.8 Update: $200 Offer!)

Chase Freedom Unlimited® Review 2019.8 Update: The new offer is $200 (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 with 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 recent offer. Wyndham points are valued around 1.0 cents/point (Hotel Points…
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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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The Heaviest Credit Cards List (2019.8 Update: Citi Prestige Now Heavier; Chase Marriott Now Plastic Card)

2019.8 Update: Added the new card Apple Card: 15g. Most credit cards are made of plastic of approximately 5 grams (g) of plastic, but some are made of metal. Not all metal cards have the same weight, which begs the question… which card is heaviest? #1: JP Morgan Reserve: 27g Annual fee: $450. You need to be a client of…
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Apple Card Review (2019.8 Update: Publicly Available Now)

Apple Card Review 2019.8 Update: The Apple Card is now publicly available . If you still can’t see it, please make sure your iOS system is updated to at least version 12.4. They also announced 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…
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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 (2019.11 Update: Double Cash Back Promo Still Alive)

Discover Cashback Checking Account (Debit Card/ATM Card) Review 2019.11 Update: The double cash back in the first 6 months offer is still alive. Application Link Discover Checking Account Offer code: CBMA1119 Benefits Sign-up bonus: earn double cash back for the purchases through 2020.05.29. Offer ends on 2019.12.09. Earn 1% cash back on up to $3,000 in debit card purchases each month. $0…
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