Credit Cards 101
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Wells Fargo Reflect Credit Card: 21-Month Intro 0% APR
If you can make use of the 21-month interest-free period, this card is pretty solid. But after that period ends, it doesn’t earn cash back and doesn’t offer much reason to keep it....
2021 Credit Card Quarterly 5x Cash Back Summary [2021.10 Update: Q4 Is Here, Time to Switch Cards]
Q4 is here, so it’s time to switch cards. See the detailed analysis and activation links below:...
AMEX | Referral bonus earns an extra 4x/4%, capped at the first $25,000 per card (Business Platinum also gets the base referral bonus; others do not)
If you use an AMEX Membership Rewards or cash back card referral link, you can earn an extra 4x (or 4%) on top of the referral offer, capped at the first $25,000 in purchases withi...
Chase co-branded cards have released another round of spend-bonus offers — check and register (Hyatt, Southwest, IHG, UA, etc.)
Chase has recently rolled out another round of extra points offers for co-branded cards, including Hyatt, Southwest, IHG, and United. You can check to see whether your card has bee...
Discover Credit Card Financial Review Experience
I’ve had a rough run and have often been shut down or sent to FR. This time Discover also put me through a Financial Review (FR). Discover FRs are rare, so I wanted to share my exp...
Visa China Promo | Super Merchant Cashback (2%-8% back at eligible merchants, plus a $5 CVS gift card on $15+ per transaction)
Visa recently launched another great promo: earn 2%-10% cashback on each overseas purchase at eligible merchants, and get a CVS gift card when you spend $15+ in a single transactio...
AMEX Offers 6 Free Months of Audible Plus
AMEX is currently offering all eligible Card Members a free 6-month Audible Plus membership. You need to claim it through the link below. After clicking, simply log in to your AMEX...
[Repost] Shut Down by Chase Three Times, Reopened Three Times — Honestly Impressive
After being forcibly shut down by Chase, there’s a decent chance you’ll end up in the “little black room,” meaning you won’t be able to apply for Chase cards for some period of tim...
Membership Rewards Transfer Bonuses to Airline Miles, Up to 40% (AC, BA, AV, VS, etc.)
There are currently bonus offers for transferring MR points to airline miles, ranging from 15% to 40%. Eligible partners include AC, BA, AV, VS, and more. If you can make use of th...
30% Bonus on Chase Ultimate Rewards Transfers to Avios Miles (1:1.3)
You can now transfer UR points to Avios with a 30% bonus, including British Airways, Aer Lingus, and Iberia. That means the transfer ratio becomes 1:1.3. This promotion runs throug...
ABOC Credit Card to End Quarterly 5x Cashback Soon, Possibly Effective August 27
According to DOC, the ABOC (Amalgamated Bank of Chicago Mastercard) credit card will stop offering its quarterly 5x cashback starting on August 27. However, I could not find any re...