My Credit Cards Arsenal (7) – Discover It

This is an easy-to-understand cash back credit card with no annual fee. No doubt about it.


The concept of Discover It is pretty much the same as the Chase Freedom, but the cash back is actually in cash and not in points. And there is no travelling partners to transfer, which make it even simpler: you spend and get the corresponding cash back.

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My Credit Cards Arsenal (6) – Bank of America Alaska Airlines Visa Signature

Alaska Airlines is unique, since it is not belonging to any of the three major airline alliances. It is unique, also because even though it is not an airline alliance, you can earn and redeem Alaska Airline miles on airlines such as American Airlines, British Airways, Air France, Korean Air, and Delta.

On the application page of the Bank of America Alaska Airlines Visa Signature card, you can see that they emphasize this codeshare agreements with other airline partners:


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My Credit Cards Arsenal (5) – Chase Marriott Rewards Premier Visa

This Marriott Rewards Premier Visa is another hotel co-brand credit card from Chase (!), which makes me always wondering why Chase has good relationship with so many good hotel chains. Anyway, I have had this card since 2013, and recently cancelled my old card and re-applied for a new card since I “have not received a new cardmember bonus for this product in the past 24 months”, which is the Chase Bank’s 24-month rule for credit card application.

Currently, on the Marriott official website, there is a limited time offer which offers 80,000 points after $3,000 spending within 3 months of account opening. Personally, I don’t like this offer. The version I applied offers 70,000 points after $2,000 spending within 3 months of account opening and one 1-4 category free night certificate after account opening, which I think is superior because of the low spending threshold and 1-4 category free night.


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My Credit Cards Arsenal (3) – Chase Hyatt

Hyatt is another hotel chain the foodie couple love! Last Christmas we used 48,000 points for 4-night stay at Hyatt Place Waikiki Beach, when the cash price is more than $400 per night!

Ah! Good time in Hawaii!


That’s one reason we love Hyatt, because the value of the points is very high, about 1.8 cents per point. Another reason is that Hyatt has a lot of good properties in good places, such as the Hyatt Place Waikiki Beach, and the Andaz 5th Avenue we are going to stay in New York City.

Well, back to the credit card I have, which is the Chase Hyatt Visa.

The look of this card is pretty simple and concise with a metal finish, though it is plastic.Read More »

My Credit Cards Arsenal (2) – Chase IHG Rewards Club Select Credit Card

The Chase IHG Rewards Club Select Credit Card is a hotel co-brand credit cards that I like very much. It has decent sign-up bonus, and also has the value worth holding long time after the first year.


I applied this card when there was a 80,000 bonus points after spending $1,000, and when it was called Chase Priority Club, and when it was still a Visa card. Now the name is Chase IHG (InterContinental Hotels Group) and it is a Mastercard.Read More »

My Credit Cards Arsenal (1) – Chase Freedom and Chase Sapphire Preferred

The two cards are the earliest two reward credit cards I had since the start of my hobby. I recommend applying the Chase Freedom Card first, for its easy-to-use point system, and the no-fee feature for long-time usage. After using the Freedom Card for some time, you can get the Chase Sapphire Preferred Card, to fully implement the capability of the Ultimate Rewards System.


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