English - 8/43 - US Credit Card Guide

Barclays Wyndham Earner Business Credit Card Review (2025.3 Update: 75k Offer)

physixfan 2025-03-04 2025-03-04 32 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. 2025.1 Update: The higher offer is expired, and there’s only a 45k offer now. 2024.9 Update: The new offer is 80k, note that the spending requirement is high: $15k in 12 months. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit…
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Barclays Business Card

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

AmEx Hilton Surpass Credit Card Review (2025.10 Update: 155k Offer)

physixfan 2025-02-28 2025-10-03 55 Comments

The Hilton Honors American Express Surpass Card Review 2025.10 Update: The new offer is 155k. Offer ends on 2026/01/14. 2025.5 Update: The welcome offer is changed back to 130k. 2025.2 Update: The new offer is 130k+1FN. Offer ends on 2025/04/29. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Amex Hilton Surpass Benefits 155k offer:…
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AmEx

American Express (AmEx), Hilton Honors, Hotel Credit Card, No Foreign Transaction Fee

World of Hyatt Business Credit Card Review (2025.7 Update: 60k Offer)

Geo 2025-01-10 2025-07-01 13 Comments

World of Hyatt Business Credit Card Review 2025.7 Update: There’s only the normal 60k offer now. 2025.5 Update: The new offer is 60k + Explorist membership (which expires on 2/28/2026). The spending requirement is $7,000 spending in 3 months, which is higher than before. Personally I don’t think Explorist membership is useful, so it’s not worth the extra spending. 2025.1…
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Chase Business Card

Chase, No Foreign Transaction Fee, World of Hyatt

Apple Card Review (2024.10 Update: $75 Offer)

physixfan 2024-10-30 2024-10-30 216 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

Citi Priority Package Review (2024.10 Update: $500 Offer)

physixfan 2024-10-16 2024-10-16 32 Comments

Citibank Priority Package Review 2024.10 Update: The $500 offer is extended to 1/7/2025. 2024.1 Update: The new offer is $500 with $30k deposit. There is also a new change: the 0 monthly fee requirement for Citi Priority has been lowered from $50k to $30k. ContentsApplication LinkBenefitsBonus RequirementsDifferent Citi Checking AccountsSummaryHistorical Offers ChartApplication Link Application Link Citi Priority Package Benefits $500 sign-up…
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Checking Accounts

Checking Accounts, Citibank

Costco Anywhere Visa® Card by Citi Review (2025.5 Update)

physixfan 2024-10-07 2025-05-02 64 Comments

Costco Anywhere Visa® Card by Citi Review 2024.10 Update: This card does not have any welcome offer most of the time. Currently there’s a $75 welcome offer, which is the best ever offer on this card! ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryHistorical Offers ChartApplication Link Application Link Costco Anywhere Visa® Card by Citi Benefits Earn 5% cash back on Costco gas; 4% cash…
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Citibank

Cash Back Credit Card, No Annual Fee, No Foreign Transaction Fee

AmEx EveryDay (ED) Credit Card Review (2024.9 Update: Discontinued? Or Being Refreshed?)

physixfan 2024-09-26 2024-09-26 131 Comments

The AmEx EveryDay Credit Card (ED) Review 2024.9 Update: It seems the previous application links for this card are all showing loading error now. Is it discontinued? Or is it being refreshed? 2021.1 Update: It seems the 25k offer is no longer available. The current offer is 10k. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsAfter ApplyingHistorical Offers ChartApplication Link Application Link…
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AmEx

American Express (AmEx), Grocery Card, Membership Rewards (MR), No Annual Fee

Iberia Visa Signature® Card Review (2026.1 Update: 90k Offer)

physixfan 2024-09-13 2026-01-16 43 Comments

Iberia Visa Signature® Card Review 2026.1 Update: The new offer is 90k. 2025.1 Update: The welcome offer is changed to 75k. 2024.9 Update: Current offer is 100k points after $7500 spend within 6 months of account opening. ContentsApplication LinkBenefitsDisadvantageRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Iberia Benefits 90k offer: earn 90,000 bonus Avios miles…
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Chase

Airline Credit Card, Chase, Iberia (IB), No Foreign Transaction Fee

Aer Lingus Visa Signature® Card Review (2026.1 Update: 90k Offer)

physixfan 2024-09-13 2026-01-16 36 Comments

Aer Lingus Visa Signature® Card Review 2026.1 Update: The new offer is 90k. 2025.1 Update: The welcome offer is changed to 75k. 2024.9 Update: Current offer is 100k bonus points after $7500 spend within 6 months of account opening. ContentsApplication LinkBenefitsDisadvantageRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Aer Lingus Benefits 90k offer: earn 90,000…
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Chase

Aer Lingus (EI), Airline Credit Card, Chase, No Foreign Transaction Fee

AmEx Marriott Bonvoy Business Credit Card Review (2025.10 Update: 125k Offer)

physixfan 2024-09-12 2026-01-01 58 Comments

Marriott Bonvoy Business American Express Card (Formerly Starwood Preferred Guest Business Credit Card from American Express) Review 2025.10 Update: The new version of the 125k offer is worse, as the spending requirement is higher. 2025.8 Update: The new offer is 125k. 2024.10 Update: The 5FN offer is expired. Currently there’s only 3FN offer. 2024.9 Update: The 5FN offer comes back. ContentsApplication…
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AmEx Business Card

American Express (AmEx), Hotel Credit Card, Marriott Bonvoy, No Foreign Transaction Fee, Starwood Preferred Guest (SPG)

Upgrade MyFive “Credit Card” Review (New Card, 5% Category of Your Choice)

physixfan 2024-08-16 2024-08-16 4 Comments

MyFive Cash Rewards Review ContentsApplication LinkFeaturesDisadvantagesSpecial Interest Calculation MethodSummaryHistorical Offers ChartApplication Link Application Link Upgrade MyFive Features Every month, you can choose one category from the following to earn 5% cash back, with a quarterly cap of $3,000: Groceries Dining Drug Stores Travel TV, Internet, and Streaming Services Cell Phone Providers Pet Care and Stores Home Utilities All other purchases…
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Other Banks

No Annual Fee, Upgrade (FinTech)

Capital One Spark Cash Plus Review (2024.8 Update: $2,000 Offer!)

physixfan 2024-08-13 2025-11-13 16 Comments

Capital One Spark Cash Plus Review 2024.8 Update: The new offer is $2,000, and its spending requirement is $30k in 3 months. The spending requirement is huge so it is only suitable for those who have a lot of spending. Besides, in the first year, you earn extra $2,000 for every $500k spent. This is equivalent to 0.4% cashback. The…
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Capital One Business Card

Capital One, Capital One (C1) Miles, Charge Card, No Foreign Transaction Fee

AmEx Gold Card Review (2025.6 Update: AS HIGH AS 100k Offer)

physixfan 2024-07-25 2025-09-27 166 Comments

American Express Gold Card (Formerly Premier Rewards Gold) Review 2025.6 Update: It seems all the links are showing a “AS HIGH AS” 100k welcome offer, and there’s no link with a fixed 100k welcome offer any more. 2024.11 Update: The 100k+$100 offer is expired. Currently there’s a 100k offer if you try hard in incognito mode. 2024.7 Update: New benefits…
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AmEx

American Express (AmEx), Charge Card, Dining Card, Grocery Card, Membership Rewards (MR), Metal Card, No Foreign Transaction Fee

Wells Fargo Choice Privileges Select Credit Card Review (2025.1 Update: 60k Offer)

physixfan 2024-07-14 2025-01-09 4 Comments

Choice Privileges® Select Mastercard® Review 2025.1 Update: The higher offer is expired. Currently there’s only a 60k offer. 2024.7 Update: There’s a link with 100k offer now. This is the best ever offer on this card! ContentsApplication LinkBenefitsDisadvantagesSummaryRelated Credit CardsHistorical Offers ChartApplication Link Application Link Wells Fargo Choice Privileges Select Benefits 60k offer: Earn 60,000 Choice Privileges points after spending…
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Wells Fargo

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

US Bank Triple Cash Business Credit Card (2024.7 Update: $750 Offer)

physixfan 2024-07-07 2024-07-07 13 Comments

U.S. Bank Triple Cash Rewards Visa® Business Card Review 2024.7 Update: The new offer is $750. HT: DoC. 2024.4 Update: The new offer is $600. 2020.8 Update: This card is revamped: Restaurants are added to its 3% bonus category. There’s a new benefit: $100 software credit. This benefit is removed: 25% Annual Bonus based on your prior year’s Cash Rewards, up…
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US Bank Business Card

Cash Back Credit Card, No Annual Fee, US Bank