Author Archive: physixfan

Capital One Venture X Business Credit Card Review (2026.2 Update: 150k Offer; Lounge Benefit Weakened)

2026-02-02 2026-02-02 12 Comments

Capital One Venture X Business Credit Card Review 2026.2 Update: Effective February 1, 2026, this card’s authorized users will lose complimentary airport lounge access (both Priority Pass Select and Capital One Lounges). Going forward, each authorized user must pay $125 to retain this benefit. For our readers, a benefit that requires paying extra is essentially no benefit at all. Previously,…
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Capital One Business Card

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United℠ Explorer Card Review (2026.5 Update: 60k Offer)

2026-01-30 2026-05-22 80 Comments

United℠ Explorer Card (Chase UA Explorer) Review [2026.5 Update] The 80k offer is expired. The current offer is 60k. [2026.4 Update] There’s a new benefit added on all UA cobranded cards: 10% off on UA award flights. For the no fee card UA Gateway card, you need to spend $10k in a calendar year to get this benefit, while for all…
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Chase

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Marcus by Goldman Sachs Savings Account Review (2026.3 Update: Up To $1,500 Deposit Bonus (Expired))

2026-01-29 2026-03-16 111 Comments

Marcus by Goldman Sachs Savings Account Review 2026.1 Update: There is currently a deposit bonus promotion. The enrollment link is here, and the bonus-to-deposit tiers are shown in the table below. The bonus rate is very attractive. Considering that Marcus already offers a fairly competitive interest rate, it’s even better if you can stack this with an additional referral boost….
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Savings Accounts / MMA

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Bilt Cash Review: Bilt’s 2nd Rewards System, A Very Thick Coupon Book

2026-01-24 2026-01-24 4 Comments

A few days ago, Bilt officially announced how Bilt Cash works. It’s… complicated. This article is dedicated to walking through it in detail. What Is Bilt Cash Bilt Cash is a second rewards system launched by Bilt, separate from Bilt Points. Bilt Points are extremely popular thanks to excellent transfer partners (including Hyatt, Japan Airlines, Alaska Airlines, United, etc.) and…
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Bilt Summaries

Bilt Palladium Card Review (New Card, $495 Annual Fee, 50k Bilt Points + $300 Bilt Cash + Bilt Gold Offer)

2026-01-17 2026-05-19 6 Comments

Bilt Card 2.0: Bilt Palladium Card Review Application Link Bilt Palladium Terms Apply Features and Benefits 50k Bilt Points + $300 Bilt Cash + Bilt Gold Welcome Offer: Earn $300 of Bilt Cash when you apply and get approved; earn 50,000 Bilt Points + Bilt Gold status after spending $4,000 (excluding rent or mortgage) in the first 3 months. This card…
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Other Banks Business Cards

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Bilt Obsidian Card Review (New Card, $95 Annual Fee, $200 Bilt Cash Offer)

2026-01-17 2026-05-19 3 Comments

Bilt Card 2.0: Bilt Obsidian Card Review Application Link Bilt Obsidian Terms Apply Features and Benefits $200 Bilt Cash Welcome Offer: Earn $200 of Bilt Cash when you apply and get approved. This card earns two different types of rewards: Bilt Points and Bilt Cash, which we’ll explain in detail below. Based on our own valuation (not an official estimate…
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Other Banks

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Bilt Blue Card Review (New Card, No Annual Fee, $100 Bilt Cash Offer)

2026-01-17 2026-05-19 4 Comments

Bilt Card 2.0: Bilt Blue Card Review Application Link Bilt Blue Terms Apply Features and Benefits $100 Bilt Cash Welcome Offer: Earn $100 of Bilt Cash when you apply and get approved. This card earns two different types of rewards: Bilt Points and Bilt Cash, which we’ll explain in detail below. Based on our own valuation (not an official estimate…
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Other Banks

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British Airways Visa Signature® Card Review (2026.1 Update: 90k Offer)

2026-01-16 2026-03-16 59 Comments

British Airways Visa Signature® Card Review 2026.1 Update: The new offer is 90k. HT: DoC. 2025.9 Update: The new offer is 100k. [Expired] 2025.4 Update: The new offer is 100k. [Expired] Application Link Chase British Airways Benefits 90k offer: earn 90,000 bonus Avios miles after spending $5,000 in 3 months. The recent best offer is 100k. We value BA Avios…
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Chase

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World of Hyatt Credit Card Review (2026.2 Update: 30k+15k Offer)

2026-01-15 2026-03-16 90 Comments

World of Hyatt Credit Card Review 2026.2 Update: The welcome offer is now the regular 30k+15k offer. Note that the official website still uses the very misleading wording “60k”, don’t be fooled by it. 2026.1 Update: The card is currently offering 5 Free Nights. 3 FN after $5000 spend within 3 months of account opening and extra 2 FN after total…
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Chase

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Wings of the Points — UR/MR/TYP/C1/Bilt/Marriott Points to Miles Transfer Chart (2025.12 Update: MR->CX Ratio Will Be Lowered To 1:0.8)

2025-12-05 2025-12-05 287 Comments

2025.12 Update: MR->CX transfer ratio will be lowered from 1:1 to 1:0.8 starting from 2026.3.1. Source: latest billing statement. This is a big loss because CX is one of the better transfer partners. 2025.9 Update: JL is now a transfer partner of Capital One at ratio 1:0.75; QR is now a transfer partner of Capital One at ratio 1:1. 2025.5…
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Bank Points Guide

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Citi Regular Checking Review (2026.1 Update: $325 Offer)

2025-11-17 2026-04-23 36 Comments

Citi Regular Checking (Formerly Citi Basic Banking Package) Review 2026.1 Update: The $425 offer is expired. The current offer is $325. 2024.10 Update: The new offer is $325/$425, the required amount of Enhanced Direct Deposit is $3k/$6k. Because Citi’s “Enhanced Direct Deposit” is super easy to do, we recommend everybody to do the $425 offer. 2025.1 Update: The $450 offer…
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Checking Accounts

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Bilt Mastercard (Old Version) Review (Discontinued, Bilt 2.0 Three New Cards Launched)

2025-10-09 2026-01-17 74 Comments

Bilt Mastercard® Review 2026.1 Update: This old version of Bilt card (issued by Wells Fargo) is now discontinued. The three Bilt 2.0 new cards has launched: Bilt Blue Bilt Obsidian Bilt Palladium Application Link Bilt Mastercard Terms Apply Features and Benefits No transaction fee if you pay rent with this credit card via the Bilt app or website. Even if…
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Discontinued Credit Cards

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Citi Strata Elite Credit Card Review (2026.3 Update: 75k Offer)

2025-10-08 2026-05-25 4 Comments

Citi Strata Elite℠ Card Review [2026.3 Update] The 100k offer is expired. The current offer is 75k. [2025.10 Update] The online offer is now 100k, which is the best ever offer on this card! Application Link Citi Strata Elite℠ Card Benefits 75k Welcome Bonus: Earn 75,000 ThankYou Points (TYP) after spending $6,000 within the first 3 months of account opening. The…
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Citibank

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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review (2025.10 Update: 80k Offer Still Alive!)

2025-10-03 2026-06-05 142 Comments

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® (Citi AA) Review 2025.10 Update: The previous 80k offer link is expired, but at the same time there’s an in flight 80k offer. You can ask a cabin crew for a code when you fly AA, or you can just enter 000000 to apply. 2025.7 Update: The new offer is 80! This is the…
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Citibank

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