English - 5/43 - US Credit Card Guide

BoA Alaska Business Credit Card Review (Replaced by New Card)

physixfan 2025-05-26 2025-08-23 26 Comments

Alaska Airlines Visa Business Card Review 2025.8 Update: This card is now replaced by the new card BoA Alaska Atmos Business. Existing cards are automatically converted. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryAfter ApplyingRelated Credit CardsHistorical Offers ChartApplication Link Application Link BoA Alaska Business Benefits 75k offer: earn 75,000 Alaska Miles after spending $4,000 in first 90 days. Plus, earn a $121 companion…
Read more

Discontinued Small Business Credit Cards

Airline Credit Card, Alaska Airlines (AS), Bank of America (BoA), No Foreign Transaction Fee

Mesa Homeowners Card Review (Earn Points on Mortgage) (2025.5 Update: 50k Offer)

physixfan 2025-05-25 2025-05-25 3 Comments

Mesa Homeowners Visa® Signature Preferred Credit Card 2025.5 Update: This is a newly launched card, and its biggest selling point is that it lets you earn points on your mortgage payments. Right now, there』s a 50k point welcome bonus available, ending June 30. ContentsApplication LinkFeaturesDisadvantagesMesa Points OverviewSummaryApplication Link Application Link Mesa Homeowners Card Make sure to use promo code BONUS50…
Read more

Other Banks

No Annual Fee, No Foreign Transaction Fee

Citi® / AAdvantage® Executive World Elite Mastercard® Review (2025.5 Update: 100k Offer)

physixfan 2025-05-22 2025-07-29 41 Comments

Citi® / AAdvantage® Executive World Elite Mastercard® (Citi AA Exe) Review 2025.5 Update: The 100k offer has come back. 2024.8 Update: The 100k offer is expired. The current offer is 75k. 2024.5 Update: The 100k offer has come back. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Citi® / AAdvantage® Executive World Elite Mastercard®…
Read more

Citibank

Airline Credit Card, American Airlines (AA), Citibank, Metal Card, No Foreign Transaction Fee, Premium Credit Card

Citi Rewards+® Card Review (2025.5 Update: Will Be Automatically Converted to Citi Strata Card on Jul 20)

physixfan 2025-05-22 2025-07-29 29 Comments

Citi Rewards+® Card Review 2025.5 Update2: According to TPG, this card will be automatically converted to a new card Citi Strata card (which is pretty useless), and lose the most important benefits: rounding up to nearest 10 points and 10% back when redeeming TYP. If you have some TYP and want to transfer them to partners, do it now before…
Read more

Discontinued Credit Cards

Citibank, No Annual Fee, ThankYou Points (TYP)

Bilt Mastercard Review: Pay Rent & Earn Rewards, Points Transferrable to Hyatt, UA, AS…(2025.5 Update: New Transfer Partner QR 1:1)

physixfan 2025-05-22 2025-08-05 64 Comments

Bilt Mastercard® Review 2025.5 Update2: New transfer partner: Qatar Airways (QR). The transfer ratio is 1:1. QR uses the Avios system, and can be transferred between BA Avios, etc. 2025.5 Update: New transfer partner: Japan Airlines (JL). The transfer ratio is 1:1. JL miles are hard to get, because it’s not a partner of UR/MR/TYP/C1 points. It’s great to see…
Read more

Wells Fargo

Metal Card, No Annual Fee, No Foreign Transaction Fee, Wells Fargo

Discover Savings Account Review (2025.9 Update: $150/$200/$400 Offer)

physixfan 2025-05-20 2025-09-01 48 Comments

Discover Savings Account Review 2025.9 Update: There’s a new $150/$400 offer. HT: DoC. 2025.6 Update: The higher offer is expired. Currently there’s only the regular $150/$200 offer. 2025.5 Update: There’s a new $150/$500 offer. ContentsApplication LinkBenefitsBonus RequirementsSummaryHistorical Offers ChartApplication Link Application Link Discover Savings $150/$400 Offer Discover Savings $150/$200 Offer Benefits New account opening bonus of $150/$200/$400. See below for detailed…
Read more

Savings Accounts / MMA

Discover, Savings Accounts / MMA

Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2025.5 Update: Bilt Is Added)

physixfan 2025-05-13 2025-05-13 161 Comments

2025.5 Update2: JL is now a transfer partner of Bilt points at ratio 1:1. 2025.5 Update: Bilt Rewards is added to this chart. A few minor changes over the years are also updated. Usage It is better to view this chart on desktop. The screens on mobile devices are usually too narrow to fully interact with the chart. Move your…
Read more

Bank Points Guide

Capital One (C1) Miles, Marriott Bonvoy, Membership Rewards (MR), ThankYou Points (TYP), Ultimate Rewards (UR)

AmEx Platinum Card for Morgan Stanley Review (2025.6 Update: 80k Offer)

physixfan 2025-05-10 2025-06-12 114 Comments

The Platinum Card from American Express Exclusively for Morgan Stanley Review 2025.6 Update: The 150k welcome offer is expired. The current offer is 80k. 2025.5 Update: The new offer is 150k! 2024.5 Update: The new offer is 125k! ContentsApplication LinkBenefitsVaries CreditsDisadvantagesAuthorized UsersRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link AmEx Platinum Card for Morgan Stanley. You need…
Read more

AmEx

Charge Card, Membership Rewards (MR), Metal Card, Morgan Stanley, No Foreign Transaction Fee, Premium Credit Card

AmEx Platinum Card for Schwab Review (2025.6 Update: 80k Offer)

physixfan 2025-05-08 2025-06-12 94 Comments

American Express Platinum Card for Schwab Review 2025.6 Update: The higher welcome offer is expired. The current offer is only 80k. 2025.5 Update: The new welcome offer is 125k! In terms of points alone, this is the highest welcome offer ever offered for this card. Offer ends on 6/11. 2024.11 Update: The new welcome offer is 125k! In terms of…
Read more

AmEx

American Express (AmEx), Charge Card, Charles Schwab, Membership Rewards (MR), Metal Card, No Foreign Transaction Fee, Premium Credit Card

AmEx Schwab Investor Credit Card Review (2025.6 Update: $200 Offer)

physixfan 2025-05-08 2025-06-12 22 Comments

Schwab Investor Card from American Express Review [2025.6 Update] The welcome offer is back to $200. [2025.5 Update] The new welcome offer is $300. [2024.11 Update] The new welcome offer is $300. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryAfter ApplyingHistorical Offers ChartApplication Link Application Link AmEx Schwab Investor. You need to have a Charles Schwab Brokerage Account in order to apply for this card. Benefits $200…
Read more

AmEx

American Express (AmEx), Cash Back Credit Card, No Annual Fee

Chase Freedom Unlimited® (CFU) Review (2025.5 Update: $200 Offer)

physixfan 2025-05-06 2025-05-19 97 Comments

Chase Freedom Unlimited® Review 2025.5 Update: Third party website Rakuten is giving an extra $150 for CFU! The Rakuten cashback can be converted to MR points so it can also be seen as 15k MR points. [Update] The Rakuten +$150 offer is lowered to +$75. [Expired] The current offer is $200. 2025.3 Update: The welcome offer is changed from $200…
Read more

Chase

Chase, No Annual Fee, Ultimate Rewards (UR)

Cardless Qatar Airways Infinite Credit Card Review

physixfan 2025-05-01 2025-06-24 1 Comment

Cardless Qatar Airways Privilege Club Infinite Credit Card Review ContentsApplication LinkHistorical Offers ChartApplication Link Application Link Cardless Qatar Airways Infinite Historical Offers Chart Application Link Cardless Qatar Airways Infinite

Other Banks

Airline Credit Card, No Foreign Transaction Fee, Oneworld, Qatar Airways (QR)

Cardless Qatar Airways Signature Credit Card Review

physixfan 2025-05-01 2025-06-24 0 Comments

Cardless Qatar Airways Privilege Club Signature Credit Card Review ContentsApplication LinkHistorical Offers ChartApplication Link Application Link Cardless Qatar Airways Signature Historical Offers Chart Application Link Cardless Qatar Airways Signature

Other Banks

Qatar Airways (QR)

United℠ Explorer Card Review (2025.6 Update: 70k Offer)

physixfan 2025-04-30 2025-07-20 78 Comments

United℠ Explorer Card (Chase UA Explorer) Review 2025.6 Update: The welcome offer is now lowered to 70k. 2025.4 Update: There’s a new link with better offer 90k: in addition to the 80k offer with $3k spending requirement, earn 5k more miles when you add an authorized user in the first 3 months, and earn 5k more miles upon approval when…
Read more

Chase

Airline Credit Card, Chase, No Foreign Transaction Fee, United Airlines (UA)

Amex Business Platinum Card Review (2025.7 Update: 150k Offer)

Geo 2025-04-21 2025-07-01 105 Comments

The Business Platinum Card from American Express Review 2025.7 Update: There’s only a 150k offer now. 2025.4 Update: The new offer is 250k+$500! There’s no stable link, you need to use incognito mode and/or with a VPN to see it. Screenshot. ContentsApplication LinkBenefitsVaries CreditsDisadvantagesRecommended Application TimeSummaryRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link AmEx Business Platinum AmEx Business Platinum…
Read more

AmEx Business Card

American Express (AmEx), Charge Card, Membership Rewards (MR), No Foreign Transaction Fee, Premium Credit Card