English - 8/44 - US Credit Card Guide

BoA Alaska Credit Card Review (Replaced by New Card)

physixfan 2025-06-04 2025-08-23 127 Comments

BoA Alaska Airlines Visa Signature Card Review 2025.8 Update: This card is now replaced by the new card BoA Alaska Atmos Ascent. Existing cards are automatically converted. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryAfter ApplyingRelated Credit CardsBest Downgrade OptionsHistorical Offers ChartApplication Link Application Link BoA Alaska Benefits 65k offer: earn 65,000 Alaska Miles after spending $3,000 in first 3 months. Plus a companion…
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Discontinued Credit Cards

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

BoA Unlimited Cash Rewards Credit Card Review (2025.6 Update: $200 Offer + Unlimited 2% Cashback First Year)

physixfan 2025-06-02 2025-06-02 44 Comments

Bank of America Unlimited Cash Rewards Credit Card Review 2025.6 Update: The new offer is $200 plus unlimited 2% cashback for the first year. This is 0.5% more cashback in addition to the existing 1.5% cashback rate. Therefore, if you are a Platinum Honors member with +75% bonus, you will earn 1.5%*(1+75%)+0.5%=3.125% cashback rate! This is the best ever offer…
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BoA

Bank of America (BoA), Cash Back Credit Card, No Annual Fee

BoA Customized Cash Rewards Credit Card Review (2025.6 Update: $200 Offer + 6% Cashback on Category of Your Choice First Year)

ThunderFat 2025-06-02 2025-06-02 56 Comments

Bank of America Customized Cash Rewards Credit Card Review 2025.6 Update: The new offer is $200 plus 6% cash back in the category of your choice for the first year. This is 3% more cashback in addition to the existing 3% cashback rate on category of your choice. The upper limit is the same $2,500 spending per quarter. Therefore, if…
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BoA

Bank of America (BoA), Beginner's Card, Cash Back Credit Card, No Annual Fee

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…
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Discontinued Small Business Credit Cards

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

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 31 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…
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Discontinued Credit Cards

Citibank, No Annual Fee, ThankYou Points (TYP)

Discover Savings Account Review (2026.1 Update: Discontinued)

physixfan 2025-05-20 2026-01-21 53 Comments

Discover Savings Account Review 2026.1 Update: This account is no longer available for applications. The application page is only showing “Discover is part of Capital One”. R.I.P. 2025.9 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/$200 Offer Benefits…
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Savings Accounts / MMA

Discover, Savings Accounts / MMA

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…
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AmEx

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

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)

US Bank Smartly Credit Card Review (2025.4 Update: Got Nerfed)

physixfan 2025-04-14 2025-04-14 2 Comments

U.S. Bank Smartly™ Visa Signature® Card Review 2025.4 Update: Starting from today (2025.4.14), the benefits of this card got nerfed. Existing customers can enjoy the previous benefits, new customers will get the following new changes: Only checking account balances count toward the reward tiers. Savings account and brokerage account don’t count any more. The extra cashback is no longer unlimited,…
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US Bank

Wells Fargo Choice Privileges Credit Card Review (2026.1 Update: 60k Offer)

physixfan 2025-04-14 2026-01-11 3 Comments

Choice Privileges® Mastercard® Review 2026.1 Update: The new offer is 60k. 2025.9 Update: The higher offer is expired. Currently there’s only a 40k offer. 2025.4 Update: The new offer is 60k. 2025.1 Update: The higher offer is expired. Currently there’s only a 40k offer. ContentsApplication LinkBenefitsSummaryRelated Credit CardsHistorical Offers ChartApplication Link Application Link Wells Fargo Choice Privileges Benefits 60k offer:…
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Wells Fargo

Choice Privileges, Hotel Credit Card, No Annual Fee, No Foreign Transaction Fee, Wells Fargo

United Gateway℠ Card Review (2025.11 Update: 40k Offer)

physixfan 2025-03-26 2026-04-03 31 Comments

United Gateway℠ Card Review 2026.4 Update: There’s a new benefit added on all UA cobranded cards: 10% off on UA award flights. For the no fee card UA Gateway card, you need to spend $10k in a calendar year to get this benefit, while for all other UA cobranded cards with an annual fee, you get this benefit as long as…
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Chase

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

US Bank Shield Credit Card Review (New Card)

physixfan 2025-03-17 2025-03-17 6 Comments

U.S. Bank Shield™ Visa® Card Review ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryAfter ApplyingHistorical Offers ChartApplication Link Application Link US Bank Shield Benefits Earn a $20 annual statement credit for 11 consecutive months of purchases (calendar month). Earn 4% cash back on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Center. No cash back on other purchases. 0%…
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US Bank

No Annual Fee, US Bank

Barclays Wyndham Earner Business Credit Card Review (2025.6 Update: 45k Offer)

physixfan 2025-03-04 2026-03-10 33 Comments

Wyndham Rewards® EarnerSM Business Card Review 2025.3 Update: The new offer is 75k, note that the spending requirement is high: $12k in 12 months. [Expired] 2024.9 Update: The new offer is 80k, note that the spending requirement is high: $15k in 12 months. [Expired] ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsAfter ApplyingHistorical Offers ChartApplication Link Application Link Barclays Wyndham Earner Business Benefits…
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Barclays Business Card

Barclays, Hotel Credit Card, No Foreign Transaction Fee, Wyndham Rewards

Apple Card Review (2024.10 Update: $75 Offer)

physixfan 2024-10-30 2024-10-30 217 Comments

Apple Card Review 2024.10 Update: The $100 offer is expired. The $75 offer is still alive. 2024.8 Update: There’s $100 offer now. 2024.1 Update: The $75 offer is expired. There’s no welcome offer now. ContentsApplication LinkFeaturesDisadvantagesSummaryHistorical Offers ChartApplication Link Application Link Apple Card Features $75 offer: earn $75 after making one purchase in the first 30 days. The recent best…
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Other Banks

Apple, Cash Back Credit Card, Goldman Sachs, Metal Card, No Annual Fee, No Foreign Transaction Fee