Author: Pauline Galeano

Reflex® Platinum Mastercard® Review 2026 The Reflex® Platinum Mastercard® is an unsecured credit card for people with bad credit or limited credit history. At first, that may sound useful. You do not need a security deposit, the card reports to all three major credit bureaus, and you may be able to get an initial credit limit of up to $1,000. But the problem is simple: this card is expensive. The Reflex Mastercard comes with a high annual fee, possible monthly maintenance fees, a very high APR, and no rewards. For a card meant to help people rebuild credit, those costs…

Fortiva® Mastercard® Credit Card Review 2026 The Fortiva® Mastercard® Credit Card is an unsecured credit card for people with bad or subprime credit. That means you do not need to put down a security deposit to open the account. For someone who cannot afford a secured card deposit, that may sound useful. But this card has serious drawbacks. The biggest issue is cost. Fortiva can charge a high annual fee, account maintenance fees after the first year, an additional card fee, balance transfer fees, foreign transaction fees, and a high APR. The card does offer cash back rewards on some…

Aspire Mastercard Credit Card Review 2026 The Aspire® Cash Back Rewards Mastercard is an unsecured credit card for people with bad credit. That means you do not need to put down a security deposit to open the account. This alone makes it attractive for people who want a credit card but do not have $200 to $500 available for a secured card deposit. The card also offers cash back rewards, which is not common among many credit cards for bad credit. You can earn 3% cash back on gas, groceries, and utility bills, plus 1% cash back on other purchases.…

Applied Bank® Secured Visa® Gold Preferred® Credit Card Review 2026 The Applied Bank® Secured Visa® Gold Preferred® Credit Card is a secured credit card for people who are building credit for the first time or trying to rebuild damaged credit. Its biggest selling point is simple: there is no credit check. That makes it easier to access for people with bad credit, no credit history, or a weak credit file. The card also reports payment activity to all three major credit bureaus, which is important if your goal is to improve your credit profile. The card has another major advantage:…

Citi Rewards Credit Card Review An easy-to-earn 4 mpd coupled with a wide variety of transfer partners; 4 mpd on online transactions, caps, exclusions, points, transfers, and fees. Once upon a time, this was marketed as a card for shopaholics to earn bonus points when buying bags, shoes or clothes. Insiders knew “bags, shoes and clothes” was just a suggestion; cardholders could earn 4 mpd on all manner of things including Points.com purchases, ride-hailing and even GrabPay top-ups, for a period. In March 2019 the bonus scope officially expanded to cover almost all online transactions— essential for any miles chaser,…

Key Changes to the UOB Preferred Platinum Visa From 1 October 2025, the UOB Preferred Platinum Visa will split its S$1,110 monthly bonus cap into two S$600 caps for mobile contactless and online transactions. Find out what changes, what stays the same, and how to manage your spending. Starting from 1 October 2025, the UOB Preferred Platinum Visa will no longer have a single monthly bonus cap of S$1,110. Instead, the card will split the cap into two categories: This is not the first time UOB has done this. The same changes were seen on the UOB Lady’s Solitaire and…

A New Way to Redeem KrisFlyer Miles On 1 November 2025, Singapore Airlines will add a new way to use KrisFlyer miles called Access awards. On the same day, the updated redemption charts will take effect. With Access awards, KrisFlyer members can use miles to secure confirmed seats immediately on Singapore Airlines flights. The number of miles needed depends on seat demand and seasonality, and can change throughout the year. How Access Awards Work Access is a new award type that joins Saver and Advantage options. It is only for flights operated by Singapore Airlines, not Scoot or partner airlines.…

The UOB Visa Signature is one of the oldest UOB cards. It launched in 2006 with a striking purple design. Today, it still offers one of the most versatile ways to earn miles in Singapore. You can earn 4 mpd on local and overseas spending, but the caps and minimum spend can trip you up if you are not careful. This card is no longer heavily promoted, but it still works well for those who want to earn miles quickly. It also pools points with other UOB cards, making redemptions easier. Changes to the Card Recent changes have affected how…

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…

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 Earn0.4…