Review: Chocolate Visa Card
The Chocolate Visa Card, once a popular tool for miles enthusiasts, has seen its benefits significantly reduced following policy changes and the removal of key payment categories. The review concludes that the card is now a mediocre option that requires users to maintain a linked account, making it less attractive than it once was.
Why it matters
This review serves as a cautionary tale for consumers regarding the volatility of credit and debit card reward programs and the importance of understanding terms of service.
Here’s The MileLion’s review of the Chocolate Visa Card, which upended the miles game when it teamed up with HeyMax to offer 2 Max Miles per S$1 on virtually everything — even charitable donations, education, hospitals, insurance premiums, utilities, and AXS payments.
Naturally, that didn’t last very long, as people started doing…shall we say, creative things with their cards (earn rates dropped to 0.4 mpd after the first S$1,000, but 0.4 times a lot is still a lot). Chocolate quickly yanked support for AXS — not exactly their finest moment — and eventually nerfed the earn rates , while adding caps on certain categories that amounted to de facto exclusions.
Get smarter about the news
Sign up free for a feed built around what you actually care about, Dive Deeper research on any story, and the full text of every article.
Create free accountAlready have an account? Sign in