Author Archive: physixfan

HSBC Cash Rewards Credit Card Review (Discontinued)

HSBC Cash Rewards Credit Card Review 2021.12 Update: HSBC now only keeps the Premier business in the US, and this card is now discontinued. Application Link HSBC Cash Rewards Benefits Earn 1.5% cash back on all purchases. No annual fee. Disadvantages No welcome offer. Recommended Application Time We recommend you apply for this card after you have a credit history…
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Sallie Mae (SM) Credit Card Review (Discontinued)

Sallie Mae (SM)

Sallie Mae Credit Card (SM) Review 2018.3 Update: This card will be automatically converted to Barclaycard Rewards Credit Card (Discontinued) (HT: DoC). This is also a useless card. No idea what Barclaycard is doing here. 2016.12 Update: This card will be automatically converted to a card called “Commence by SallieMae Mastercard”. It only offers 2% cashback on Grocery & Utility and 1%…
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Anbang Insurance, Which Nearly Bought SPG, Is Now Taken Over By The China Insurance Regulatory Commission

I believe many of you still remember that Marriott and Anbang Insurance became the last two players to buy SPG after SPG Hotel Group revealed its willingness to sell itself in 2016. At that time, the two sides constantly offered higher prices. At some stage, the Anbang Insurance Group prevailed, and offered a price that Marriott can not afford. What’s…
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Costco Anywhere Visa® Business Card by Citi Review (2019.12 Update)

Costco Anywhere Visa® Business Card by Citi Review Application Link Costco Anywhere Visa® Business Card by Citi Benefits Earn 4% cash back at gas stations worldwide (including Costco gas station); 3% cash back at restaurants and eligible travel spending worldwide; 2% cash back at Costco and Costco.com; 1% cash back on other purchases. No annual fee if you are a…
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Barclays Ring Credit Card Review (Discontinued)

Barclays Ring MasterCard Review 2019.6 Update: This card is currently unavailable because Barclays is “re-thinking” this brand. Application Link This card no longer accepts new applications. If you have this legacy credit card, you can still enjoy its original benefits. Benefits Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a…
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BoA BankAmericard Credit Card Review

BankAmericard Credit Card Review Application Link BoA BankAmericard Benefits Introductory 0% APR for your first 15 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. Introductory $0 balance transfer fee for the first 60 days your account is open. No annual fee. Disadvantages No sign up bonus. No rewards. Recommended Application Time The time…
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List of Credit Cards with No Foreign Transaction Fee (FTF) (2018.2 Update)

When using your credit cards abroad, you usually need to pay a 2%~3% Foreign Transaction Fee (FTF). Some credit cards do not charge this fee, and thus are very suitable for using abroad. Here are some common credit cards with no FTF. Note: Aside from the Foreign Transaction Fee, Visa/MasterCard may also charge a Dynamic Currency Conversion (DCC) Fee, which can be…
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Chase Marriott Bonvoy Business Credit Card Review (Discontinued)

Chase Marriott Bonvoy Premier Business Credit Card Review 2019.2 Update: This card is now discontinued. Application Link This card no longer accepts new applications. If you are lucky to have this legacy credit card, you can still enjoy its original benefits. Benefits 75k offer: Earn 75,000 Marriott Points after spending $3000 in 3 months. The best offer is 100k offer, but we…
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If I Obtained an AmEx Card by Product Changing, Am I Still Eligible for the Sign-Up Bonus?

It is well known that, AmEx has a “once per lifetime” policy for its sign-up bonuses. The exact term is: “Welcome bonus offer not available to applicants who have or have had this product.” But if you dig deep in the credit card game, you should know the concept that: the most important thing is now what the term says;…
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Aspiration Summit Checking Account Review

The Aspiration Summit Account Review Application Link Aspiration Summit Checking Account Benefits NO ATM fee worldwide. Sometimes the ATM side will charge you a fee, but Aspiration will reimburse these fees, this guarantees that no fees will be charged in the end. However, there’s a caveat, see the disadvantages part. When you withdraw cash abroad, you can get local currency automatically, according to…
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AwardHacker Review: The Best Award Flight Search Engine! (2017.11 Update: Added TYP->AV Transfer Partnership)

2017.11 Update: Added the recent TYP->AV transfer partnership. BTW, the recent UA, DL, etc. devaluations are also updated in our system. Those of us who have been doing this long enough have found that it is easy to earn points but very difficult to use them. I believe many of us here have already accumulated millions of points and miles. However, it is…
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AmEx Hilton Surpass Credit Card Review (Old Version) (Discontinued)

Hilton HHonors Surpass Card from American Express Review 2018.1.18 Update: This card is discontinued and replaced by AmEx Hilton Ascend. Application Link This card no longer accepts new applications. Benefits 90k Offer: earn 90,000 HHonors Points after spending $3,000 in first 3 months. The highest sign-up bonus is 125k. We value Hilton HHonors Points at 0.5 cents/point (Hotel Points Value), click here to see how…
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Citi Forward Credit Card Review (Discontinued) (2017.10 Update: Will Be Automatically Converted to Citi TYP on 2018.01.03!)

Citi Forward Card Review 2017.10 Update: According to this reddit thread, Citi Forward will be automatically converted to Citi ThankYou Preferred, and before that date, Citi Forward can not be converted to any card. I called and was told the same info by representative. So, this will reset the 1/24 clock. We will be a few months further way from…
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