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美国申请信用卡的门槛虽然比较低,但如果乱申乱用的话,不但没法最大化利用信用卡的优势,还有可能会影响你的信用记录。本篇文章我会用问答的形式,把新手会遇到的一些问题、以及需要注意的事项都整理出来。
没有信用记录和 SSN,可以申请信用卡吗? 可以!但是选择不多。美国的几大信用卡发行公司,除 Discover 必须要 SSN 外,其他大都接受 ITIN(个人纳税识别码)申请。如果您连 ITIN 也没有,只有护照,那么您的选择就很少了 —— 目前只有美国银行(Bank of America, BoA)、以及 Citi 花旗银行的少量卡,接受护照作为身份验证,并且您很可能要去店里申请。
如果没有信用记录和/或 SSN,您可以尝试申请的卡包括:
BoA Customized Cash Rewards 是一张门槛非常低的卡 —— 无 SSN、零信用记录也可以申请 ,并且可以长期持有。如果网上申请无法通过的话,建议去店里申请。此外,如果您在 BoA 有一定数额的存款,会极大地增加您获批的几率。 如果您没有信用记录、但是有 SSN 或 ITIN 的话 ,还可以申请 Chase Freedom Rise —— 这张卡专门针对新人设计的卡,Chase 官网明确说了 :「(本卡)不要求申请人有信用记录。您可以开设一个 Chase 支票账户,并在提交信用卡申请后三天内存入至少 250 美元。虽然这些措施都不能保证您一定能获得这张卡,但它们可能会增加您获批的机会。」本卡的返现能力不如 BoA Customized Cash Rewards,但一年后你可以把它转成 Chase Freedom Unlimited ,这样,你在玩信用卡初期,就能拿到一张很好的 Chase 卡。为什么要专门提到这一点呢?因为 Chase 是美国最大(也最好)的发卡行,在美国玩信用卡是不可能绕过它的,而它有著名的 「5/24」限制(24 个月内您最多只能开通 5 张信用卡),因此新手通常建议先把 Chase 的好卡申请了,再考虑其他家的卡。 如果您虽然没有信用记录,但是有 SSN 的话 ,还可以申请新人神卡 Discover it ,这张卡每季度 5% 返现,值得长期持有。它的批准门槛很低,我身边很多人(包括我自己)刚来美国的第一张卡就是它。 更多信息参见 《没有 SSN、ITIN、信用记录也可以申请的新人信用卡推荐 》。
卡名 BoA Customized Cash Rewards Discover it Chase Freedom Rise BoA Customized Cash Rewards|奖励 $200 Discover it|奖励 $100 Chase Freedom Rise|暂无奖励 图片 定位 0年费新人友好日常卡 新人0年费返现好卡 新人神卡、学生卡 特色 新人卡 新人卡 年费 0 美元 0 美元 0 美元 奖励 开卡3月内只要消费一笔就奖励 $100 首年所有返现翻倍 消费 自选一个类别 3% 返现,可选加油/充电、网购、餐饮、旅行、药店、家装 超市/大宗量贩店返现 2% 3% 和 2% 高返现仅限当季合并(不是分开)前 $2,500、此后 1% 其他消费 1% BoA 余额 $20,000 以上有额外 25% 积分奖励 BoA 余额 $50,000 以上有额外 50% 积分奖励 BoA 余额 $100,000 以上有额外 75% 积分奖励 每季度轮换类别前 $1,5000 消费 5%返现 2024第3季度是超市和沃尔玛 其他消费返现1% 所有消费 1.5% 返现(以 UR 积分的形式发放) 福利 开卡前 15 个月购物 0% APR 没有信用记录的学生可申请学生版本 新人友好、申请门槛非常低 外币交易手续费 3%,出了美国就不要刷了 建议 申请
如果您对美国的信用记录不太了解的话,可以参考下面这 3 篇文章:
新手第一张信用卡应该申哪张? 如果你刚来美国,没有 SSN、或完全没有信用记录的话,第一张卡应该考虑上文所提到的那些卡。在成功申请到上述这些卡后,建议你用至少半年到一年(为了攒够信用记录长度),再开始尝试申请其他信用卡。
如果您已经在美国生活了一段时间(至少半年、最好一年以上)、有一定的信用历史(注意,没有 SSN 也会有信用记录,三大信用局仍然可以通过姓名、住址等其他信息来追踪,在这篇文章 里我们解释过),那么您的选择会多很多。但是,作为一枚信用卡新手,我建议还是先抛掉开卡奖励的诱惑,从 0 年费卡入手 。它们的申请难度通常都比较低,持有成本也很低。参见 《美国最好的 12 张无年费信用卡推荐|最高返现 10% 》。
我们最建议的新手卡包括:
下面是这几张卡的对比。为了照顾手机上的读者,默认只对比了两列,您可以自行添加或隐藏列。
卡名 Chase Freedom Unlimited Chase Freedom Flex Amex Blue Cash Everyday Citi Rewards Citi Custom Cash Chase Freedom Unlimited (CFU)|首年消费额外奖最多 30K 价值 $300 - $510 Chase Freedom Flex (CFF)|奖励 20K 估值 $200 - $340 Amex Blue Cash Everyday|奖励现金 $200 Citi Rewards+|奖励 20K 价值 $200 - $300 Citi Custom Cash|奖励 20K 估值 $200 - $300 图片 定位 新人神卡 新人0年费返现好卡 无年费买菜神卡 小额消费友好卡 新人0年费返现好卡 特色 新人卡,旅行卡 新人卡 买菜卡 年费 0 美元 0 美元 0 美元 0 美元 0 美元 奖励 3月内消费 $1.5k,奖 20K TYP 积分 积分可在 Citi 官网 1:1 购买礼卡、或订机票/酒店/租车,价值 1 美分 如果同时拥有 Citi Custom Cash / Citi Double Cash 或 Citi Strata Premier,可以 1 美分的价值用于还款 如果拥有转点卡 Citi Strata Premier ,Citi TYP 积分估值 1.5 美分 消费 Chase 官网旅行消费 5 倍 UR 积分(首年6.5倍) 餐厅/药店 3 倍积分(首年4.5倍) 其它消费 1.5 倍积分(首年3倍) 20.49% - 29.24% 浮动 APR 每季度特定类别前 $1500 消费 5 倍 UR 积分 Chase 官网旅行消费 5 倍UR 积分 餐厅/药店 3 倍积分 其它消费 1 倍积分 20.49%-29.24%的变化APR 美国超市、加油、网购每年各自前 6,000 美元消费 3% 返现 高返现不含 Costco 等批发店和 Walmart、Taget 等超级商店 其他消费 1% 返现 19.24%-29.99% 浮动 APR 「超市」不含 Walmart, Target, Costco 等超级商店 2025年底前,通过 CitiTravel.com 预订酒店/租车/门票有 5x 积分 超市/加油每年前 $6K 消费 2x TYP 积分 其余消费 1x 积分 所有积分向上取整、为 10 的倍数(特别适合小额消费) 每年在兑换奖励时前 100K 积分获得额外的 10% 奖励 每月消费最多的类别、前 $500 有 5 倍积分,之后 1 倍(符合资格的类别包括餐厅、超市、加油站、旅行/交通、流媒体、药店、家装店、健身、现场娱乐) 2025 年 6 月 30 日前,在 Citi Travel 门户预订酒店、租车、景点,有额外的 4 倍积分,相当于总计 5 倍积分 其余消费 1 倍积分 9.24% - 29.24% 浮动 APR 福利 前 15 个月购物 0% 利率 前 15 个月余额转移 0% 利率 送「备用」租车险 (在您的个人保险之后介入) 外币交易手续费 3%,出了美国就不要刷了 前 15 个月购物 0% 利率 前 15 个月余额转移 0% 利率 送「备用」租车险 (在您的个人保险之后介入) 外币交易手续费 3%,出了美国就不要刷了 每月报销 7 美元 Disney+、Hulu 或 ESPN+ 迪士尼套餐 每月报销 15 美元 Home Chef 餐包订阅(需自动续订) 前 15 个月购物消费 0% APR 前 15 个月余额转移 0% APR 本卡可撸 Amex Offer,常有不错的折扣 每年前 100,000 积分送额外 10% 首次转账日起15个月内余额转账 0% APR 开户起15个月内购物 0% APR 国外交易手续费 3%,出了美国就不要刷了 前 15 个月购物消费 0% APR 前 15 个月余额转移 0% APR 外币交易手续费 3%,出了美国就别刷了 建议 这张卡有个特别的地方,所有积分向上取整为 10 的倍数,小额消费特别友好 亮点不多,好在无年费,喜欢 Citi 的话可长期持有 申请
哪个银行的信用卡最值得入手? 因人而异,要看你首要的需求是什么,是想方便管理、快速累积积分、还是拿返现?
如果你只是想申一两张卡,平时想起来用一用,不太在乎银行,也不想浪费时间精力琢磨和比较、到哪里都要想想用哪张卡合适,那么请参见:《适合懒人的 9 张「一卡流」信用卡推荐 》。根据自己的信用记录和使用偏好选择一张即可。
如果你愿意花时间和精力来玩信用卡的话,建议先从三大行(Chase、Amex 和 Citi)入手,尤其是 Chase。等有一定经验了、或者这些银行的优秀信用卡申请得差不多了,再考虑其他银行的信用卡。
一、Chase 大通银行|第一大发卡行
Chase 是信用卡界的领头羊,好卡很多,而且 Chase UR 积分最好用、估值最高(整体估值 1.7 美分) 。除了转点到航司外,它的酒店合作伙伴包括 Hyatt 凯悦,很多酒店、积分价值很高,意味着你即使在美国短途旅行也经常能用得上,并且根据我的经验经常能用出 1.8 – 2.0 的价值!
此外,Chase 有 「5/24」「两年五卡」限制 。简单来说就是如果你过去 2 年内开过 5 张及以上的信用卡,不管你的信用分数多高,Chase 都会拒绝你的申请。因此,建议您优先把 Chase 的好卡申请完。至于具体选择哪 5 张卡,根据个人情况而定。我比较推荐优先考虑 Chase 自营信用卡,再考虑联名卡 。
Chase 的自营卡,除了 Freedom 系列返现卡(上面介绍过 Unlimited 和 Flex)外, 就是 Sapphire 系列两张积分/转点卡,虽然两张都有年费,但性价比都很高,尤其是 Sapphire Preferred,等效年费仅 45 美元,新用户奖励巨高,消费回报也很棒 —— 通过 Chase 网站定旅行类消费 5 倍积分、吃饭/流媒体/网上买菜 3 倍积分 、其他旅行消费 2 倍积分、其他消费 1 倍积分。持本卡 Chase 积分保底 1.25 美分,转点之后估值 1.7 美分,因此「3 倍积分」相当于 3.75% – 5.1% 的回报!
卡名 Chase Freedom Unlimited Chase Freedom Flex Chase Sapphire Preferred Chase Sapphire Reserve Chase Freedom Unlimited (CFU)|首年消费额外奖最多 30K 价值 $300 - $510 Chase Freedom Flex (CFF)|奖励 20K 估值 $200 - $340 Chase Sapphire Preferred 中端旅行卡|奖励 60K 估值 $750 - $1,020 Chase Sapphire Reserve 高端旅行卡|奖励 60K 估值 $900 - $1,020 图片 定位 新人神卡 新人0年费返现好卡 Chase 中端旅行卡、转点卡 Chase 高端旅行卡、转点卡 特色 新人卡,旅行卡 新人卡 中端卡,旅行卡 高端卡,旅行卡 年费 0 美元 0 美元 95 美元 550 美元 奖励 开卡3月内消费 $4,000,奖励 60K 积分 持此卡 UR 积分在 Chase 官网预定旅行的保底价值 1.25 美分 本卡是 Chase 转点卡,可将 UR 积分转点合作伙伴,估值 1.7 美分 开卡3月内消费 $4,000,奖励 60,000 积分 持此卡 UR 积分在 Chase 官网预定旅行的保底价值 1.5 美分 本卡是 Chase 转点卡,可将 UR 积分转点合作伙伴,估值 1.7 美分 消费 Chase 官网旅行消费 5 倍 UR 积分(首年6.5倍) 餐厅/药店 3 倍积分(首年4.5倍) 其它消费 1.5 倍积分(首年3倍) 20.49% - 29.24% 浮动 APR 每季度特定类别前 $1500 消费 5 倍 UR 积分 Chase 官网旅行消费 5 倍UR 积分 餐厅/药店 3 倍积分 其它消费 1 倍积分 20.49%-29.24%的变化APR 通过 Chase 网站定旅行类消费 5 倍积分 Peloton、Lyft 消费 5 倍积分 吃饭/流媒体/网上买菜 3 倍积分 其他旅行消费 2 倍积分 其他消费 1 倍积分 通过 Chase 网站定酒店/餐馆/租车 10 倍积分 Lyft 消费 10 倍积分 通过 Chase 网站订机票 5 倍积分 其他旅行 / 吃饭 3 倍积分 其他消费 1 倍积分 福利 前 15 个月购物 0% 利率 前 15 个月余额转移 0% 利率 送「备用」租车险 (在您的个人保险之后介入) 外币交易手续费 3%,出了美国就不要刷了 前 15 个月购物 0% 利率 前 15 个月余额转移 0% 利率 送「备用」租车险 (在您的个人保险之后介入) 外币交易手续费 3%,出了美国就不要刷了 每年报销 $300 旅行消费 报销 $100 Global Entry / TSA preCheck 送 Priority Pass Select 机场贵宾卡,可进入 1,500 多个机场休息室 所送 PPS 可带2名同行人;副卡也有自己的 PPS;不含餐厅 积分可 Pay Yourself Back,保底价值 1.25 美分 旅行取消/中断/行李延误保险 购买保护/延长保修保护 送「主要」租车险 (先于你的个人保险介入) 境外消费无手续费 加副卡 75 美元/人 建议 这是 Chase 三张转点卡之一,玩转 Chase 必备,也是最好的高端卡之一 旅行类消费回报非常高 —— 持本卡 Chase UR 积分保底 1.5 美分、整体估值 1.7 美分 —— 通过 Chase 网站定酒店/餐馆/租车 10 倍积分(17% 回报)、通过 Chase 网站订机票 5 倍积分(8.5% 回报),其他旅行 / 吃饭 3 倍积分(5.1% 回报) 相比其他高端卡,报销略逊,减去 300 美元旅行报销,等效年费 250 美元、略高 可以考虑的高端卡还有性价比较高的 Capital One Venture X 、福利巨多但是杂的 Amex Platinum 申请
Chase 联名卡有很多选择,我就不一一列出了,参考 《值得申请的 Chase 信用卡推荐 》。等攻克 Chase 的信用卡之后(这个阶段要稳中求胜,不要太着急),开卡选择就比较多了。如果您想薅点资本主义羊毛的话,可以关注我们的最新开卡奖励排行榜 。
2、Amex 美国运通|第二大发卡行
如果你比较看重信用卡使用体验的话,推荐 Amex 的信用卡。它家占据了信用卡市场的半壁江山,既有对新手友好的入门卡、适合日常消费的买菜/吃饭卡,也有很多值得长期持有的高返现、多福利卡。
0 年费买菜神卡 Amex Blue Cash Everyday (BCE) 和 BCE 积分版 Amex EveryDay :前者 3% 返现、后者 2 倍积分。我们更推荐前者(BCE)—— 它在美国超市、加油、网购每年各自前 6,000 美元(相当于每周 115 美元)消费 3% 返现,在 0 年费卡里这是很高的回报。其他消费 1% 返现。参见 《美国 7 张超市买菜信用卡推荐 》。 95 美元年费买菜神卡 Blue Cash Preferred (BCP) 和 Every Day Preferred (EDP) :前者 6% 返现、后者 3 倍积分。我们更推荐前者(BCP)—— 美国超市买菜前 $6,000 消费 6% 返现,流媒体订阅 6% 返现,美国加油站、交通 3% 返现,其他消费 1% 返现。超市 6% 返现简直无敌了,简单做一下数学就知道,每周只要在超市买菜超过 31 美元(现在通胀这么厉害,31 美元能买啥?)一年下来的返现就会超过年费。 250 美元年费买菜 + 吃饭卡 Amex Gold 金卡 :不管是 BCE 还是 BCP,超市高回报都仅限于每年前 6,000 美元消费,相当于每周 115 美元。按现在的物价和通胀,对于很多家庭来说是远远不够的。这时候 Amex Gold 金卡的优势就显现出来了 —— 它在超市买菜有 4 倍 Amex 积分,相当于 6% 回报(Amex 积分估值 1.5 美分 ),跟 Blue Cash Preferred 差不多,但是消费上限为每年 25,000 美元,相当于每周 480 美元,足以满足绝大部分家庭需求。此外,它既是一张靠谱的买菜卡,也是一张值得长期持有的吃饭卡 , 全球餐馆也是 4 倍积分 —— 只要每周吃饭 + 买菜超过 80 美元,一年下来积分回报就会超过年费。若你能用上它每年 $120 吃饭报销、 $120 Uber 报销(至少其中一部分),那么等效年费将大大降低! 695 美元年费的高端旅行卡 Amex Platinum 白金卡 :年费巨高、但是福利和报销也巨多,比如每年报销 $200 Uber 费用、 $200 航空杂费、 $200 酒店 Credit 、 Saks Fifth $100 credit 、送机场贵宾服务等等。如果大部分福利和报销你能用得上,价值可高达上千美元,远远超出年费;反之,如果你用不上这些报销和福利,那么这张卡完全不需要考虑,不但年费巨贵,而且日常消费回报很低。是否应该申请这张卡,完全取决于您的生活和旅行方式。
卡名 Amex Blue Cash Everyday Amex Blue Cash Preferred Amex Gold Amex Platinum Amex Blue Cash Everyday|奖励现金 $200 Amex Blue Cash Preferred |奖励现金 $250 Amex Gold 金卡|奖励 60K 估值 $600 - $900 Amex Platinum 白金卡|奖励 80K 估值 $800 - $1,200 图片 定位 无年费买菜神卡 低年费买菜神卡 Amex 高年费买菜吃饭卡 Amex 高端卡 特色 买菜卡 买菜卡 买菜卡,吃饭卡,旅行卡 高端卡,旅行卡 年费 0 美元 95 美元 325 美元 690 美元 奖励 消费 美国超市、加油、网购每年各自前 6,000 美元消费 3% 返现 高返现不含 Costco 等批发店和 Walmart、Taget 等超级商店 其他消费 1% 返现 19.24%-29.99% 浮动 APR 「超市」不含 Walmart, Target, Costco 等超级商店 美国超市买菜前 $6,000 消费 6% 返现 流媒体订阅 6% 返现 美国加油站、交通 3% 返现 其他消费 1% 返现 19.24%-29.99% 浮动年利率 「超市」不含 Walmart, Target, Costco 等超级商店 全球餐馆每年前 $50,000 消费 4 倍积分 美国超市每年前 $25,000 消费 4 倍积分 航司官网或 Amex Travel 订票 3 倍积分 其他消费 1 倍积分 航司官网或 Amx 官网买机票 5 倍积分 Amex 官网订酒店 5 倍积分 其他消费 1 倍积分 福利 每月报销 7 美元 Disney+、Hulu 或 ESPN+ 迪士尼套餐 每月报销 15 美元 Home Chef 餐包订阅(需自动续订) 前 15 个月购物消费 0% APR 前 15 个月余额转移 0% APR 本卡可撸 Amex Offer,常有不错的折扣 免首年年费 每月报销 7 美元 Disney+、Hulu 或 ESPN+ 迪士尼套餐 每月报销 10 美元 Equinox Plus 健身套餐报销 前 12 个月消费 0% APR 前 12 个月余额转移 0% APR 本卡可撸 Amex Offer,常有不错的折扣 每年 $10 x 12 个月 = $120 Uber/Uber Eats 券 每年 $10 x 12 个月 = $120 餐馆券,可用于 Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys 每年 $50 x 两个半年 = $100 订餐服务 Resy 报销 每年 $7 x 12 个月 = $84 Dunkin' 报销 加副卡前5张不花钱,但是从第6张开始每张$35年费 卡面可选黄金、白金(white gold)、玫瑰金 无外币交易手续费 送 Centurion Lounges 百夫长贵宾室、达美航空 Delta Sky Club lounges 贵宾室、Priority Pass Select、Escape Lounges、Plaza Premium lounges 环亚贵宾室、Lufthansa lounges 汉莎贵宾室等,是所有信用卡中最强的贵宾室服务,参见《Amex Platinum 白金卡贵宾室福利详解 》 $200 航空杂费报销 :选择一家航司,每年可获得 $200 报销(不含机票)$200 酒店报销 :通过 Amex 官网预付 Fine Hotels + Resorts 或至少两晚 The Hotel Collection,每年报销 $200 $200 Uber Cash :在美国乘车或点餐可获得 $200 的 Uber 抵免$100 Saks Fifth Avenue 报销 :每半年一次、每次最多 $50$155 Walmart+ 会员报销 :每月 $12.95 x 12个月$240 娱乐报销 :每月 $20 x 12 个月,可用于 Disney+、Disney Bundle、ESPN+、Hulu、The New York Times、Peacock 和 The Wall Street Journal$189 CLEAR Plus 报销 :在全国 50 多个机场帮助您更快到达登机口$300 高端连锁健身房 Equinox 报销 :每月 $25 x 12 个月每 4 年报销一次 Global Entry 或 TSA PreCheck,最多 $100 送 Marriott Bonvoy Gold 会员、Hilton Gold 会员、Avis / Hertz / National 租车会员 白金副卡每张 195 美元;可选择金色副卡,不要钱,但是没有福利,不建议 此卡有资格撸 Amex Offer,常有不错的商家折扣 建议 买菜神卡,超市 6% 返现简直无敌了,买菜返现很容易超过年费 简单直接的返现卡,无需费功夫琢磨积分的用法 如果您实在不喜欢年费,可考虑 Amex Blue Cash Everyday 每年买菜 6,000 美元额度对大部分家庭是不够的(每周 115 美元),如果您家人口多、买菜花费很高的话,建议考虑 Amex Gold 金卡,买菜 4 倍积分、相当于 6% 回报,上限为 25,000 美元(每周 480 美元) 本卡 2024 年 7 月改版之后吸引力小了很多,年费大涨 75 美元,新增福利很多人用不上 美国超市买菜、全球吃饭 4 倍积分,相当于 4%-6% 回报,要想值回年费,需要每年在这两项花费 $5,416 - $8,125、或者说每周平均 $104 - $156(按积分价值 1.0 - 1.5 美分计算) 当然,如果您吃饭、超市买菜花费很大,每月报销也能用上(至少一部分),这仍然是张可以长期持有的买菜 + 吃饭神卡 本卡为金属卡,可选黄金/白金(white gold)/玫瑰金,质感、颜值都很高 建议考虑年费仅 95 美元的 Citi Strata Premier ,全能的日常消费 + 旅行卡 申请
同样,Amex 有很多联名卡,我就不一一列出了,参考 《值得申请的 Amex 信用卡推荐 》。
3、Citi 花旗银行|第三大发卡好
Citi 的信用卡也可以考虑。他家的信用卡选择没有 Chase 和 Amex 多,但「品质」都还不错,包括:
卡名 Citi Double Cash Citi Custom Cash Citi Strata Premier Citi Double Cash|奖励 20K 价值 $200 - $300 Citi Custom Cash|奖励 20K 估值 $200 - $300 Citi Strata Premier【限时奖励 75K】 价值 $750 - $1125 图片 定位 0年费 2% 返现神卡 新人0年费返现好卡 Citi 中端旅行卡、转点卡 特色 中端卡,旅行卡 年费 0 美元 0 美元 95 美元 奖励 6个月内消费 $1,500,奖励 20,000 TYP 积分 这是历史最高奖励(不过已经很长时间没有变化了),之前曾经没有、或只有 15,000 奖励 持此卡可以将积分以 1 美分的价值取现或还款(保底价值) 持此卡可以将积分转移到 JetBlue, Wyndham, Choice Privileges 但比例很低,通常不划算 如果拥有转点卡 Citi Strata Premier ,Citi TYP 积分估值 1.5 美分 三个月内消费 $4,000 奖励 75,000 积分(近期最高) 点数为 Thank You Points (TYP) 持此卡可以将积分以 1 美分的价值用于还款(保底价值) 持此卡可以将积分转点成航空里程,估值 1.5 美分 消费 所有消费 2% 返现 2024年12月31日前,在 Citi Travel 网站预订酒店/租车/景点 5% 返现 每月消费最多的类别、前 $500 有 5 倍积分,之后 1 倍(符合资格的类别包括餐厅、超市、加油站、旅行/交通、流媒体、药店、家装店、健身、现场娱乐) 2025 年 6 月 30 日前,在 Citi Travel 门户预订酒店、租车、景点,有额外的 4 倍积分,相当于总计 5 倍积分 其余消费 1 倍积分 9.24% - 29.24% 浮动 APR 在 Citi Travel 预定酒店/租车/景点 10 倍积分 吃饭(含外卖)、超市/买菜、加油/充电、机票/酒店 3 倍积分 其余所有消费 1 倍积分 福利 前 18 个月余额转移 0 利率 外币交易 3% 手续费,出了美国就别刷了 前 15 个月购物消费 0% APR 前 15 个月余额转移 0% APR 外币交易手续费 3%,出了美国就别刷了 每年在 thankyou.com 订一次大于$500 的酒店有 $100 报销 送 6 小时旅行延误险 送行程取消/中断、行李丢失/损坏险 送 MasterRental「备用」租车险 (在您的个人保险之后介入) 无外币交易手续费 建议 这是 Citi 2024 年发布的新卡,整体设计合理,非常有竞争力,若能拿到 100 美元酒店报销的话,年费完全抵消,性价比无敌! 这是 Citi 唯一的转点卡,玩 TYP 点数必备,积分估值 1.5 美分 吃饭、买菜、加油/充电、旅行 4 个实用类别 3 倍积分、相当于 4.5% 回报,完美覆盖日常刚需,可长期持有、甚至作为主卡 开卡奖励丰厚,即使是为了薅羊毛也值得申请 另一张值得考虑的优秀中端卡、通用旅行卡是 Chase Sapphire Preferred 申请
高年费卡值得申请吗? 高年费卡经常都会有高额(甚至史高)奖励,如果你单纯为了薅开卡奖励,年费高一点也就无所谓了。反正你把奖励拿到手,第二年就关卡了 。 如果你是看上了高年费卡的各种报销和福利的话,想申卡的话。千万别冲动,可以参考美国高端信用卡对比与推荐 ,冷静的捋一捋各种报销和福利,看看你是不是真的能用得上。
高端信用卡一般指的是年费超过$400的信用卡,有些是银行自己发行,有些是联名,如酒店和航空公司的信用卡。高昂的年费吓退了很多人,但他们有很多福利和报销,等效年费要低很多,另外往往还有高额开卡奖励。如果你能用上它们的福利,这些高端信用卡不但值得申请,甚至可以长期拥有!
返现卡和返点卡怎么选? 返现信用卡就是将你使用该卡的消费按照一定% 返现到你的账户 ,这些返现你可以以支票形式支取,抵扣信用卡账单「 statement credit」或兑换成礼卡。返现卡适合想省事,同时对玩积分也没啥兴趣的人。如果你对返现卡感兴趣的话,可以参考《美国 10 张无年费信用卡推荐 》。这篇文章里,介绍了很多值得申请的返现卡。
返点(返积分)信用卡顾名思义就是按照一定比例返点数到你的账户 。如果是银行自家发行的返点卡,返的就是银行自家的点数(积分)。如果是银行和航空及酒店集团推出的联名卡,消费返点通常都是该航空公司的里程或酒店的积分。这些积分用好了的话,他们的价值远大于返现卡。返点卡的兑换方式比较多(自营卡和联名卡稍有区别),比如:
兑换成 statement credit/check/转账到银行账户。 兑换成 Gift Card。 通过银行自己的 portal 里预定酒店、机票、租车。 推荐:转点去合作伙伴的航空、酒店常旅客计划 。 如果你愿意花精力来琢磨积分的话,那肯定是返点返现卡更适合你。如果你喜欢薅高额开卡奖励 的话,你可能也会注意到绝大部分高开卡奖励信用卡也都是返点卡。
三大银行积分介绍:
生于湖南,求学于北京,先后在广东、北京、DC 工作。一代移民,生活在美东小镇。
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