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Chase Sapphire Reserve for Business: 3x on Advertising Capped at $1 Million From November 15
The last big US card with uncapped 3x on Facebook and Google ads gets a ceiling: from 11/15/2026, 3x only applies to the first million each card year. Who it hits, what it costs, and how to restructure ad spend above the cap.
Avios with Amex Points: Using British Airways, Iberia and Qatar Well
5 German Amex points become 4 Avios, while a Miles & More mile costs 3 points. Why Avios are usually the better exit for German Membership Rewards, where BA gets expensive, when Iberia and Qatar price better, and when the transfer is not worth it.
Amex Platinum Car Rental Status: Hertz, Avis and Sixt Compared
The German Amex Platinum unlocks a high car rental status at Hertz, Avis and Sixt. Which tier you actually get, what reaches you at the counter and which promises are mostly marketing.
The Hotel Collection vs. Fine Hotels & Resorts: Which Amex Program When
THC and FHR sound alike but work differently: minimum stay, credit, upgrade logic and which card unlocks which program. Plus the cases where THC is the better tool.
Buying Miles & More Miles with Bundle&Go: Is the 50% Bonus Worth It?
With the October bonus, a purchased Miles & More mile costs just over one cent. That is cheap, but only for one kind of redemption: long-haul Business or First. The maths, the bundles, and what the new status Points and lounge vouchers are really worth.
Centurion Lounges in the US: What German Platinum and Centurion Card Members Need to Know
Access with a German card, one guest instead of two, the 3-hour rule, the 5-hour layover rule and which US lounges actually help on transatlantic routes. As of October 2026.
Hamburg and Düsseldorf Airport Lounges: Access with Amex Platinum and Priority Pass
Two airports, one overview: which lounges Hamburg and Düsseldorf have, which card gets you in, and where the access does not justify the annual fee.
Finike: Cheap Apartments in a Great Location on the Lycian Coast, and the Route to a Turkish Passport
A harbour town between mountains and sea, apartments from around USD 55,000 a few hundred metres from the beach: what Finike costs, which properties are on offer right now, and how to assemble the USD 400,000 for Turkish citizenship from them.
Amex Platinum (US): Hotel Credit Becomes the Lodging Credit, FHR Needs Two Nights From 2027
Airbnb Luxe now counts toward the $600, plus a new $250 Airbnb credit. The catch: Fine Hotels + Resorts requires at least two nights starting January 1, 2027.
HSBC Premier International: One Relationship, Several Countries, What the Network Actually Does
HSBC promises a banking relationship that follows you across borders. What is true about that, which thresholds apply in the US and in Jersey, why there is no Premier in Germany, and what CRD VI changes for EU residents.
Marriott Points Deals November 2026: Where a Bonvoy Point Is Worth 3 Cents
15 Marriott hotels that currently cost far fewer points than usual. The percentage discount is the wrong number to look at, though. What matters is what a point is worth on that specific night, and across these deals that ranges from 0.5 to 3.4 cents.
Berlin BER Airport Lounges 2026: What Amex Platinum and Priority Pass Get You
At BER a premium card opens exactly one lounge, and that lounge is regularly full. Which lounges exist, who gets in, what walk-in access costs and why Lounge on the Go is useless in Berlin.
A blog by cardholders.
I’m Christian. I’ve been using premium credit cards and working with the US credit system for over 9 years. Here I document what works, what doesn’t, and what to watch out for.
First-hand reviews
Detailed reviews of every card I personally use, with real examples, not just spec sheets.
US Credit explained
ITIN, LLC, bank accounts, credit history: the entire process for German entrepreneurs, documented step by step.
Comparisons & strategies
Which card fits which profile? How to maximize points on ad spend? Practical answers.