Tag Archive: No Annual Fee

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

physixfan 2025-05-13 2025-05-13 61 Comments

Bilt Mastercard® Review 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 Bilt adding more and more transfer partners! 2025.4 Update: New transfer partner: Southwest Airlines (WN). The transfer ratio is 1:1. It’s great to see Bilt adding…
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Wells Fargo

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

AmEx Schwab Investor Credit Card Review (2025.5 Update: $300 Offer)

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

Schwab Investor Card from American Express Review [2025.5 Update] The new welcome offer is $300. [2025.1 Update] The welcome offer is back to $200. [2024.11 Update] The new welcome offer is $300. Application Link AmEx Schwab Investor. You need to have a Charles Schwab Brokerage Account in order to apply for this card. Benefits $300 offer: earn $300 statement credit after spending $1,000…
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AmEx

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

Ink Business Unlimited® Credit Card Review (2025.5 Update: $750+$100 Offer)

ThunderFat 2025-05-06 2025-05-09 25 Comments

Ink Business Unlimited® Credit Card Review 2025.5 Update: Third party website Rakuten is giving an extra $300 for CIU! The Rakuten cashback can be converted to MR points so it can also be seen as 30k MR points. This is a fantastic addition to the already fantastic welcome offer! [Update] The Rakuten +$300 offer is lowered to +$100. 2024.11 Update: The…
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Chase Business Card

Chase, No Annual Fee, Ultimate Rewards (UR)

Chase Freedom Unlimited® (CFU) Review (2025.5 Update: $200+$75 Offer)

physixfan 2025-05-06 2025-05-09 93 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. 2025.3 Update: The welcome offer is changed from $200 to $250. [2025.5 Update] The $250…
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Chase

Chase, No Annual Fee, Ultimate Rewards (UR)

Citi Rewards+® Card Review (2025.5 Update: Not Available for Application But Available for Product Change)

physixfan 2025-05-06 2025-05-06 22 Comments

Citi Rewards+® Card Review 2025.5 Update: According to FM’s reports, although you can’t apply for this card any more, you can still do product change to this card. 2025.4 Update: The application link shows “page not found”. It seems this card is discontinued. The existing card holders should be able to enjoy the benefits, at least for now. 2024.1 Update:…
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Citibank

Citibank, No Annual Fee, ThankYou Points (TYP)

Wells Fargo Choice Privileges Credit Card Review (2025.4 Update: 60k Offer)

physixfan 2025-04-14 2025-04-14 3 Comments

Choice Privileges® Mastercard® Review 2025.4 Update: The new offer is 60k. 2025.1 Update: The higher offer is expired. Currently there’s only a 40k offer. 2024.7 Update: There’s a link with 70k offer now. This is the best ever offer on this card! Application Link Wells Fargo Choice Privileges Benefits 60k offer: Earn 60,000 Choice Privileges points after spending $1,000 in…
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Wells Fargo

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

United Gateway℠ Card Review (2025.3 Update: 30k Offer; No Automatic Cardmember Pricing for Award Tickets)

physixfan 2025-03-26 2025-03-26 31 Comments

United Gateway℠ Card Review 2025.3 Update: The offer is back to 20k. The 30k offer came back. At the same time, this card has a major negative change: starting from Aug 1, 2025, you don’t have automatic cardmember pricing on award ticket any more, instead, you need to spend $10,000 each calendar year to see it. 2024.11 Update: The new offer…
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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 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% intro APR for 24 months. No annual fee….
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US Bank

No Annual Fee, US Bank

Barclays Wyndham Earner Credit Card Review (2025.3 Update: 60k Offer)

physixfan 2025-03-04 2025-03-04 24 Comments

Wyndham Rewards® EarnerSM Card Review 2025.3 Update: The new offer is 60k. 2025.1 Update: The higher offer is expired, and there’s only a 30k offer now. 2024.9 Update: The new offer is 45k. Application Link Barclays Wyndham Earner Benefits 60k offer: earn 60,000 Wyndham points after spending $2,000 in the first 90 days. The recent best offer 75k. Wyndham points are…
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Barclays

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

AmEx Hilton Credit Card Review (2025.5 Update: 80k Offer)

physixfan 2025-02-28 2025-05-01 118 Comments

The Hilton Honors American Express Card Review 2025.5 Update: The welcome offer is changed back to 80k. 2025.2 Update: The new offer is 70k+1FN. Offer ends on 2025/04/29. 2024.9 Update: The 100k offer comes back. Offer ends on 2025/01/08. Application Link AmEx Hilton Benefits 70k+1FN offer: earn 70,000 Honors Points and 1 free night (no cap) after spending $2,000 in…
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AmEx

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

Chase Amazon Prime Credit Card Review (2025.4 Update: $150 Offer)

physixfan 2024-11-12 2025-04-30 84 Comments

Chase Amazon Prime Rewards Visa Signature Card Review 2025.4 Update: The new offer is $150 (no spending requirement). 2025.1 Update: The new offer is $100 (no spending requirement). 2024.12 Update: The new offer is $150 (no spending requirement). Application Link Chase Amazon Prime Benefits $150 offer: earn $150 Amazon gift card after approval, no spending requirement. (Offer is lower for non…
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Chase

Amazon, Chase, No Annual Fee, No Foreign Transaction Fee

Apple Card Review (2024.10 Update: $75 Offer)

physixfan 2024-10-30 2024-10-30 214 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. Application Link Apple Card Features $75 offer: earn $75 after making one purchase in the first 30 days. The recent best offer is $100. Earn 3%…
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Other Banks

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

Capital One Savor Cash Rewards Credit Card Review (Formerly SavorOne) (2024.12 Update: $200 Offer)

physixfan 2024-10-23 2024-12-11 16 Comments

Capital One Savor Cash Rewards Credit Card (Formerly SavorOne) Review 2024.12 Update: The $250 offer is expired. The current offer is $200. 2024.10 Update: The new welcome offer is $250. Now Capital One renamed this SavorOne credit card ($0 annual fee) to Savor, and discontinued the former Savor credit card ($95 annual fee), which is very confusing. 2021.5 Update: Capital…
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Capital One

Capital One, Capital One (C1) Miles, Cash Back Credit Card, Dining Card, No Annual Fee, No Foreign Transaction Fee

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

physixfan 2024-10-07 2025-05-02 55 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! Application Link Costco Anywhere Visa® Card by Citi Benefits Earn 5% cash back on Costco gas; 4% cash back at other gas stations and EV…
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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. Application Link AmEx EveryDay (ED) Benefits 10k offer: earn 10,000 Membership Rewards…
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AmEx

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