English - 9/42 - US Credit Card Guide

Marriott Bonvoy Bountiful™ Credit Card Review (2023.2 Update: 85k Offer)

physixfan 2022-09-22 2023-02-15 10 Comments

Marriott Bonvoy Bountiful™ Credit Card Review 2023.2 Update: The offer is now lowered to 85k. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link Chase Marriott Bonvoy Bountiful Benefits 85k offer: Earn 85,000 Marriott points by spending $4,000 in the first 3 months. The recent best offer is 125k. We estimate the value of a…
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Chase

Chase, Marriott Bonvoy

Barclays Hawaiian Airlines Credit Card Review (2024.2 Update: 70k Offer)

physixfan 2022-09-11 2025-02-25 18 Comments

Hawaiian Airlines® World Elite Mastercard® Review 2024.2 Update: The new offer is 70k with different spending requirement. ContentsApplication LinkBenefitsDisadvantagesIntroduction to HA MilesRecommended Application TimeSummaryRelated Credit CardsAfter ApplyingHistorical Offers ChartApplication Link Application Link Barclays Hawaiian Airlines Benefits 70k offer: earn 70,000 Hawaiian Airlines miles after spending $1,000 in the first 90 days. The recent best offer is 80k. Receive a one-time…
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Barclays

Airline Credit Card, Barclays, Hawaiian Airlines (HA), No Foreign Transaction Fee

BoA AAA Credit Card Review (2022.8 Update: Discontinued)

physixfan 2022-08-25 2022-08-25 28 Comments

Bank of America AAA Member Rewards Visa Signature® Credit Card Review 2022.8 Update: This card is discontinued, as all previous application links are dead. Now in BoA app, there is a reminder that says this card will be automatically converted to another weak AAA card issued by another bank. R.I.P. 2021.8 Update: Something strange is happening to this card: The…
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Discontinued Credit Cards

Bank of America (BoA), No Annual Fee, No Foreign Transaction Fee

Wells Fargo Active Cash Review (2022.8 Update: $200/$250 Offer)

physixfan 2022-08-08 2022-11-04 11 Comments

Wells Fargo Active Cash Card Review 2022.8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. HT: DoC. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryHistorical Offers ChartApplication Link Application Link Wells Fargo Active Cash $200 offer Wells Fargo Active Cash $250 offer: in branch Benefits $200 offer: earn $200 after spending $1,000 in first 3 months. Earn 2%…
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Wells Fargo

Cash Back Credit Card, No Annual Fee, Wells Fargo

Wells Fargo Autograph Credit Card Review (2024.1 Update: 20k Offer)

physixfan 2022-07-13 2024-03-20 43 Comments

Wells Fargo AutographSM Card Review ContentsApplication LinkBenefitsRecommended Application TimeSummaryHistorical Offers ChartApplication Link Application Link Wells Fargo Autograph Benefits 20k offer: earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. The recent best offer is 30k. The points earned by this card can be redeemed towards statement credit at a fixed 1 cent/point ratio, so…
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Wells Fargo

No Annual Fee, No Foreign Transaction Fee, Wells Fargo

AmEx Blue Cash Preferred (BCP) Credit Card Review (2024.9 Update: $250 Offer)

physixfan 2022-06-09 2024-09-02 67 Comments

Blue Cash Preferred Card from American Express (BCP) Review 2024.9 Update: The higher offer is expired. The current offer is only $250. 2024.6 Update: The new offer is $300, you may need to see it in incognito mode. 2023.3 Update: The new offer is $400. ContentsApplication LinkBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsRecommended Downgrade OptionsAfter ApplyingHistorical Offers ChartApplication Link Application Link AmEx Blue…
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AmEx

American Express (AmEx), Cash Back Credit Card, Grocery Card

AmEx New Feature: Apply With Confidence

physixfan 2022-06-08 2022-06-08 3 Comments

These days some people (like in USCardForum and MyFICO) are starting to notice a new AmEx feature: “Apply With Confidence”. This feature means, if you can see the “Apply With Confidence” box in the application page, then AmEx will do a soft pull based on your info, give you a decision whether they will approve your application, and then let…
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AmEx Summaries

American Express (AmEx)

Opinion: Business Class Doors Are Actually Revolutionary

DEVGRU 2022-04-23 2022-04-23 5 Comments

Matt at Live and Let’s Fly wrote a piece a few days ago calling doors in business class suites “(a)n n unnecessary gimmick”. His main argument is that such doors are (1) thin and flimsy, (2) not tall enough to provide a meaningful amount of privacy, (3) poor in quality, and finally (4) conducive to a sense of claustrophobia. Instead,…
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Personal Experience

Are dynamic Marriott points more valuable now? Yes, but with a big caveat …

DEVGRU 2022-04-18 2022-04-18 6 Comments

The Points Guy recently published a quantitative analysis arguing that the Marriott points, even after the implementation of dynamic awards, retain its purported value of ~0.8 cent/pt. To get that conclusion, they pulled data from 50+ hotels over ~150 days. In fact, the average redemption value after the dynamic award is in place is 0.84 c/pt. They thus concluded that…
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Marriott Bonvoy

The Best Credit Cards For Cell Phone Protection Benefit (2023.11 Update)

physixfan 2022-04-09 2023-11-13 22 Comments

2023.11 Update: Added AmEx Hilton Aspire. 2022.4 Update: Updated a lot of changes over the years. In particular: new card Bilt Mastercard and Capital One Venture X have this benefit; Chase IHG Premier no longer has this benefits. In recent years, some credit cards start to offer cellular telephone protection benefit: as long as you pay your monthly wireless telephone…
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Credit Card Perks Summaries

A Search Engine for Amex FHR & THC

Scott 2022-02-23 2022-04-17 5 Comments

We create a map-based search engine for Amex FHR and THC hotels. The search engine presents a price calendar, stay benefits, location, and other valuable features for Amex FHR and THC hotels. We believe this is perhaps the most price-monitoring friendly platform for these hotel collections on Internet so far. Contents1. What are FHR and THC hotels?2. Why this search…
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Hotel Overviews

FHR

US Bank Cash Plus Credit Card Review (2022.2 Update: $200 Offer, Added 5% Cashback on Its Travel Portal)

physixfan 2022-02-11 2025-03-17 50 Comments

US Bank Cash+ Visa Signature Credit Card Review 2022.2 Update: There’s a new benefit: earn 5% cashback on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Travel Center. This is in addition to the 5% categories every quarter. HT: DoC. 2021.9 Update: The new offer is $200. 2021.1 Update: According to an email sent from US Bank,…
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US Bank

5% Rotating Categories, Cash Back Credit Card, No Annual Fee, US Bank

Capital One Spark Miles Select Review (2023.2 Update: 20k Offer)

physixfan 2022-02-10 2024-10-15 0 Comments

Capital One Spark Miles Select Review ContentsLearn MoreBenefitsDisadvantagesRecommended Application TimeSummaryRelated Credit CardsHistorical Offers ChartLearn More Learn More Capital One Spark Miles Select Benefits 20k offer: earn 20,000 Capital One Miles after spending $3,000 in the first 3 months. Earn 1.5x Miles on all purchases. The overall value of Capital One Miles is 1.6 cent/point. See below for a brief introduction….
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Capital One Business Card

Capital One, Capital One (C1) Miles

US Treasury I-Bonds: How to Buy with a Credit Card and Earn 7.12% APR (with 0% APR float!)

Geo 2022-01-31 2022-02-01 11 Comments

Introduction From consumer spending to miles and points, it is tough to currently identify any market where a currency brings you more value today than a year ago. Inflation crushes purchasing power and in an inflationary environment “cash is trash,” leaving many wondering what to do with their savings account or emergency fund. The US Treasury offers a product called…
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Limited Time Deals, Tax

Introducing USCreditCardGuide App for iOS & Android (2022.1 Update: Multiple Accounts Support)

physixfan and skysniper 2022-01-28 2022-01-28 64 Comments

2022.1 Update: We have multiple accounts support now. This feature is useful if you manage credit cards for family members. 2021.8 Update: We added customizing points value feature to the sign up bonus rank. If you can’t see the sort button, please go to settings and click app version to update it to at least version 3.1.60. Screenshot1, screenshot2. I…
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Chatter