Author: James Hester

From now until 30 September 2025, new purchases of AMEX My Travel Insurance come with either a Samsonite luggage or up to S$150 eCapitaVouchers. Customers also receive S$5–20 in referral credits. American Express has refreshed the welcome gifts for its My Travel Insurance plans. Policyholders can now enjoy up to S$150 in eCapitaVouchers (eCV) or a Samsonite luggage when buying either a single-trip or annual plan. In addition, there is a referral bonus of S$5–20 in statement credits for purchases made through the referral programme. This is less generous than the previous referral offer, which provided up to 5,000 MR…

From now until 19 October 2025, new applicants for the HSBC Premier Mastercard can receive up to 106,200 bonus miles. This promotion is available to both new and existing HSBC cardholders, with no annual fee for those who qualify as HSBC Premier customers. The HSBC Premier Mastercard has recently seen several improvements. Enhancements include higher earn rates, unlimited airport lounge access for up to four cardholders, and double the complimentary airport limo rides, all without fees for Premier customers. These updated benefits take effect immediately, and HSBC has added a new welcome offer of up to 106,200 bonus miles. Both…

With 4 mpd on all foreign currency (FCY) spending and a wide range of bonus categories, the Maybank XL Rewards Card is an easy recommendation— as long as you’re under 40. This card offers 4 mpd on overseas spending, including education, hospitals, and utilities, plus bonus rates on dining, shopping, travel, and entertainment. Verdict ☑ Take It☐ Take It Or Leave It☐ Leave It Summary: With 4 mpd on FCY spend and multiple bonus categories, this card stands out— provided you’re not over 40. Pros Cons Overview: Maybank XL Rewards Card FeatureDetailsIncome RequirementS$30,000 p.a.Annual FeeS$87.20 (First 2 Years Waived)Supplementary FeeFreeLocal…

In today’s fast-paced world, credit cards have become one of the most essential parts of our financial lives. These convenient payment tools offer plenty of benefits, and one such advantage is earning airline miles. Airline miles are reward points or loyalty points, which can be accumulated through credit card spending, and you can later redeem them for your air travel or other travel-related expenses. Under this guide, you can learn everything about the best credit card for airline miles with no annual fee. Credit card is one of the most convenient ways to pay bills while shopping, or traveling. It…

Rebuilding Financial Confidence: Unsecured Credit Cards for Bad Credit Borrowers If you’re facing the challenges of bad credit, rebuilding financial confidence can be challenging. But unsecured credit cards for lousy credit present a ray of hope for you. Unlike secured credit cards, which require collateral, these credit cards offer an opportunity for you to access credit without any deposit. In this guide, you can learn everything about unsecured credit cards for poor credit. What is a bad credit score? A bad credit score signifies that your creditworthiness falls short of the required level for loan and credit card qualifications. It…

In the modern landscape of financial transactions, system transformations have changed the way you manage your money. Paypal is one of the leading online payment providers that offer you plenty of services that simplify your financial transactions. Among all the benefits, PayPal credit has emerged as an excellent option for you if you’re looking for short-term financing for your purchases. In this guide, you can learn everything about does PayPal credit affects your credit score. Basics you need to know about PayPal credit Before you know how PayPal credit affects your credit score, you must know what it is. It is…

The world of credit cards is exciting and challenging, especially if you have a credit score of 650. A credit score of 650 basically falls within the fair credit range, indicating that you might have encountered some challenges in managing your credit earlier. But this does not mean that you cannot access credit cards at all. You can always rely on credit cards for a 650 credit score. A credit score of 650 is ultimately a common situation as unexpected turns of financial emergencies or just a lack of credit history can contribute towards this score. When you understand the options…

Buying the groceries and making the payments for the gas through credit cards not only shows that you manage your credit responsibly but also builds a strong credit history. Many factors influence your credit score!! The main or let’s say the one piece is your payment history. Payment history works as solid proof to show future lenders that you manage and maintain your credit properly. While making the payment for the gas you have 2 options one is to use the card issued by the gas stations and another is to use more general rewards cards that offer bonus rewards…

Are You Wondering Does Sam’s Club accepts American Express? Don’t Worry! Sam’s Club accepts all major credit cards including the American Express card at their stores. When Costco announced they would no longer accept American Express cards in October of 2015, Sam’s Club quickly announced it would soon begin accepting American Express (AMEX) too. In January 2016 Visa cards were also added so no matter which card you carry with you when shopping at Sam’s Club! Sam’s Club began accepting Discover cards before 2006; to stay competitive with other major retailers, however, Sam’s Club then added Mastercard to its accepted…

Secured credit cards which are beneficial in the long run usually require a security deposit as they play a major role in improving the quality and provide more perks which will also positively impact your credit card score. Secured credit cards are designed for credit builders and do require a security deposit by definition. The deposit for secured credit cards is often refundable and it is a good option for those who are looking to rebuild their credit score. The sole way to avoid the deposit amount is to start checking for pre-qualified or pre-approved credit card offers which you often get…