Author Archive: physixfan

Bilt Mastercard Review: Pay Rent & Earn Rewards, Points Transferrable to Hyatt, UA, AS…(2025.4 Update: New Transfer Partner Southwest 1:1)

Bilt Mastercard® Review 2025.4 Update: New transfer partner: Southwest Airlines (WN). The transfer ratio is 1:1. It’s great to see Bilt adding more and more transfer partners. 2024.10 Update: 2 new transfer partners: Accor (3:2) and TAP (1:1). Accor points are worth fixed 2 euro cents/point, therefore Bilt points will be worth fixed 1.33 euro cents/point or about 1.46 cents/point…
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Capital One Venture X Business Credit Card Review (2025.4 Update: 350k Offer)

Capital One Venture X Business Credit Card Review 2025.4 Update: The new offer is 150k-350k. The spending requirement is crazily high, therefore it is only suitable for those who have a huge amount of spending. 2024.3 Update: The offer now is $150k with $30k spending requirement. 2024.1 Update: The new offer is 150k-300k. The spending requirement is crazily high, therefore…
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British Airways Visa Signature® Card Review (2025.4 Update: 100k Offer)

British Airways Visa Signature® Card Review 2025.4 Update: The new offer is 100k. 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. Application Link Chase British Airways Benefits 100k offer: earn 100,000 bonus Avios after spending $7,500 on purchases within the first 6 months….
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US Bank Smartly Credit Card Review (2025.4 Update: Got Nerfed)

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

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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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review (2025.4 Update: 75k Offer)

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review 2025.4 Update: The 75k offer is back. 2024.10 Update: The 75k offer is back. [Updated] Expired. 2024.8 Update: The 75k offer is expired. The current offer is 65k. Application Link CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Benefits 75k Offer: earn 75,000 AAdvantage Miles after spending $5,000 in first 5 months. This is…
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Citi Rewards+® Card Review (2025.4 Update: Discontinued)

Citi Rewards+® Card Review 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: The 25k offer is expired. The current offer is 20k. 2023.4 Update: 25k offer is back! This is the best ever offer of this…
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Chase Sapphire Preferred® (CSP) Review (2025.4 Update: 100k Offer!)

Chase Sapphire Preferred® Card Review 2025.4 Update: The new offer is 100k, and this is the best ever offer on this card! Offer Link Chase Sapphire Preferred (CSP) Benefits 100k offer: earn 100,000 Ultimate Rewards (UR) points after spending $5,000 in the first 3 months. This is the best ever offer on this card! We estimate that Ultimate Rewards (UR) points…
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United Gateway℠ Card Review (2025.3 Update: 30k Offer; No Automatic Cardmember Pricing for Award Tickets)

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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United℠ Business Card Review (2025.3 Update:125k Offer; Annual Fee Increased; Varies Coupons Added)

United℠ Business Card Review 2025.3 Update: This card has the following changes today: The welcome offer is changed to 125k, and this is one of the best ever offer on this card! Offer ends on May 7. The annual fee is increased from $99 to $150. First year annual fee waived. $125 United travel credit: Receive $125 in United TravelBank…
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United℠ Club Business Card Card Review (2025.3 Update: 125k Offer; Annual Fee Increased; Varies Coupons Added)

United℠ Club Business Card Review 2025.3 Update: This card has the following changes today: The welcome offer is changed to 125k. Offer ends on May 7. The annual fee is increased from $450 to $695. First year annual fee NOT waived. $200 Renowned Hotels and Resorts credit: Receive up to $200 back in statement credits each anniversary year on hotel…
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United℠ Explorer Card Review (2025.3 Update: 80k Offer; Annual Fee Increased; Varies Coupons Added)

United℠ Explorer Card (Chase UA Explorer) Review 2025.3 Update: This card has the following changes today: The welcome offer is changed from 60k to 80k, and this is the best ever offer on this card! Offer ends on May 7. The annual fee is increased from $95 to $150. First year annual fee waived. $100 United Hotels credit: Receive $50…
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United Quest℠ Card Review (2025.3 Update: 90k Offer; Annual Fee Increased; Varies Coupons Added)

United Quest℠ Card (Chase UA Quest) Review 2025.3 Update: This card has the following changes today: The welcome offer is changed from 60k to 90k, and this is the best ever offer on this card! Offer ends on May 7. The annual fee is increased from $250 to $350. First year annual fee NOT waived. $200 United TravelBank cash: Automatically…
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Chase Freedom Unlimited® (CFU) Review (2025.3 Update: $250 Offer)

Chase Freedom Unlimited® Review 2025.3 Update: The welcome offer is changed from $200 to $250. 2024.11 Update: The welcome offer is changed from $200 to $250. The double cashback up to $300 offer is still existing. [2025.1 Update] The $250 offer becomes $200 again. 2024.4 Update: The $200+5% on grocery&gas offer is expired. The current offer is $200 or double…
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