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希尔顿与 Amex 有三张联名官方卡,Hilton Surpass 是介于中间的那张。它有 150 美元年费,但是每年有 200 美元希尔顿报销;除了 Hilton 的高额积分外,它的日常消费回报也不错,如果每年在日常消费 + 希尔顿能刷满 15,000 美元,那么还能拿一晚免费住宿,那就非常值了!总体来说,它最适合常住希尔顿,并且有一定消费水平、能充分用上它福利的人。
Amex Hilton Surpass Amex Hilton Surpass 希尔顿中端卡【限时奖励 130K + 一晚免费住宿】 估值 $720
定位 :希尔顿中端酒店卡
年费 :150
福利 :
每年 200 美元 Hilton 消费报销(每季度 50 美元 x 4个季度) 送 Hilton 金卡会员(有 80% 额外积分、户型升级、部分酒店酒廊/早餐等福利) 每年消费满 40,000 美元送钻石会员(有 100% 额外积分、酒廊/早餐等福利) 每年消费 15,000 美元送1晚周末房 送国家租车 Emerald Club 会员 境外消费无手续费 开卡奖励 :
开卡6月内消费 $3,000,奖励 130,000 积分 + 一晚免费住宿 希尔顿积分估值 0.4 美分 积分/返现 :
Hilton 酒店/度假村消费 12 倍积分 美国餐馆/超市/加油 6 倍积分 美国在线零售消费 4 倍积分 其他消费 3x 20.99%-29.99% 浮动 APR 申请建议 :
Hilton 消费有很高积分、开卡奖励也相当丰厚 如果常住 Hilton,能拿到 200 美元报销,价值将超过年费 本卡日常消费回报也不错,若每年日常消费 + 希尔顿能超过 15,000,可再拿一个免费住宿,就非常超值了 若不常住 Hilton,拿不到报销,又刷不满 15,000 美元,则不值得申请
优点
希尔顿消费高积分、日常消费回报也不错 开卡奖励不错 每年 200 美元希尔顿报销 送金卡精英会员资格 缺点
年费偏高 要消费 15,000 才送 1 晚免费住宿 Hilton 积分估值 0.4 美分,参见 《希尔顿荣誉客会 Hilton Honors 介绍|积分估值 0.4 美分 》 以及 。
Embassy Suites by Hilton Dubai Business Bay 与其他 Hilton 酒店卡的对比 希尔顿与 Amex 总共有三张联名个人卡:0 年费的入门卡 Hilton Honors、150 美元年费的中端卡 Hilton Surpass、以及年费 550 美元的高端卡 Hilton Aspire。 这张卡处在中间,比 Hilton Honors 多一些实用福利,比 Aspire 年费低很多,是一个不错的折中选择。详细对比如下。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 Amex Hilton Honors Amex Hilton Surpass Amex Hilton Aspire Amex Hilton Honors 希尔顿 0 年费卡【限时奖励 70K + 一晚免费住宿】 估值 $480 Amex Hilton Surpass 希尔顿中端卡【限时奖励 130K + 一晚免费住宿】 估值 $720 Amex Hilton Aspire 希尔顿高端卡|奖励 175K 估值 $700 图片 定位 希尔顿0年费入门卡 希尔顿中端酒店卡 希尔顿高端酒店卡 特色 酒店卡 酒店卡 酒店卡 年费 0 美元 150 美元 550 美元 奖励 开卡6月内消费 $2,000,奖 70,000 积分 + 一晚免费住宿 希尔顿积分估值 0.4 美分 开卡6月内消费 $3,000,奖励 130,000 积分 + 一晚免费住宿 希尔顿积分估值 0.4 美分 开卡6月内消费 $6,000,送175,000 积分 希尔顿积分估值 0.4 美分 消费 Hilton 消费 7 倍积分 美国餐馆/超市/加油 5 倍积分 其他消费 3 倍积分 Hilton 酒店/度假村消费 12 倍积分 美国餐馆/超市/加油 6 倍积分 美国在线零售消费 4 倍积分 其他消费 3x 20.99%-29.99% 浮动 APR Hilton 酒店/度假村消费 14 倍积分 通过航司或 Amex Travel 预订航班 7 倍积分 指定租车公司预订 7 倍积分 美国餐厅消费 7 倍积分 其他消费 3 倍积分 20.99%-29.99% 浮动 APR 福利 送 Hilton 银卡会员(希尔顿消费额外 20% 积分、积分预定每住5晚送1晚) 每年消费满 $20,000 送金卡会员(有 80% 额外积分、户型升级、部分酒店酒廊/早餐等福利) 境外消费无手续费 每年 200 美元 Hilton 消费报销(每季度 50 美元 x 4个季度) 送 Hilton 金卡会员(有 80% 额外积分、户型升级、部分酒店酒廊/早餐等福利) 每年消费满 40,000 美元送钻石会员(有 100% 额外积分、酒廊/早餐等福利) 每年消费 15,000 美元送1晚周末房 送国家租车 Emerald Club 会员 境外消费无手续费 每年送一晚免费住宿,消费满 $30,000 再送一晚、满 $60,000 再送一晚 送 Hilton 钻石会员,有 100% 额外积分、行政酒廊、免费早餐、欢迎礼等福利 每年 400 美元 Hilton 消费报销;分两次、每半年 200 美元,可用于房费 每年 200 美元航空报销,分为 50 美元 x 4个季度发放,可用于在航空公司、或通过 amextravel.com 购买的机票 在 Waldorf Astoria / Conrad 预定 Aspire Card Package 送 $100 credit 报销机场快速安检服务 Clear Plus 会员费、每年最多 189 美元报销 送国家租车 Emerald Club的 Executive 会员、可免费升级车型 提供 Amex 手机丢失/损坏报销,上限 800 美元,免赔额 $50 托运行李丢失/损坏/被盗保护 境外消费无手续费 建议 Hilton 消费有较高积分,开卡奖励对于 0 年费卡来说不错 适合偶尔住 Hilton 的人 无年费、0持有成本,可长期持有,也可作为降级卡 Hilton 消费有很高积分、开卡奖励也相当丰厚 如果常住 Hilton,能拿到 200 美元报销,价值将超过年费 本卡日常消费回报也不错,若每年日常消费 + 希尔顿能超过 15,000,可再拿一个免费住宿,就非常超值了 若不常住 Hilton,拿不到报销,又刷不满 15,000 美元,则不值得申请 申请
Hilton Surpass 的福利和优点 1、每年 200 美元报销
Hilton Surpass 有 150 年费、并不低。但是,如果您经常住 Hilton 酒店的话,光每年 200 美元的 Hilton 报销就足以赚回年费了。但是要注意,报销是分四个季度发放,每个季度 50 美元。
2、丰厚的开卡奖励和消费积分
目前的开卡奖励为 6 个月内消费 3,000 美元、送 130,000 积分。虽然 Hilton 积分的价值比较低,仅为 4 美分,那也值 520 美元了。另外还送一晚免费住宿,价值 200 美元。加起来总计价值 720 美元。
此外,它的日常消费奖励也不错。美国餐厅、超市和加油站有 6x 积分,按每点 0.4 美分的话相当于 2.4% 返现,也是不错的回报,日常也可以刷。
如果是在 Hilton 消费,除了本卡的每美元 12 点积分外,你还会通过 Hilton 的忠诚计划获得 10 点、通过这张卡送的金卡资格享受 80% 的奖励,也就是 8 点,加起来总计获得 30 倍积分 —— 按 0.4 美分的价值来算的话,相当于每美元有 0.12 美元回报,这是非常可观的。
3、自动金卡资格
这张卡提供金卡会员资格,介于银卡和钻石卡之间。你可以享受许多福利,包括:
Hilton Honors 基础积分额外 80% 的奖励 部分酒店提供免费早餐 部分酒店提供房型升级 使用积分预订 5 晚或以上、第 5 晚免费 银卡会员的其他福利,如免费互联网、两瓶免费水等 基础积分的 80% 奖励很实用。假设你预订了 200 美元的 Hilton 酒店:
本卡可获得 6 倍、2,400 积分 Hilton 忠诚计划可另外获得 10 倍、2,000 积分 由于你的金卡会员资格,上面这项积分(即所谓的基础积分)有额外的 80% 奖励,即 2,000 x 80% = 1,600 积分 加起来,这次 200 美元的消费一共可以获得 6,000 点积分,价值 24 美元。
Hilton Surpass 的缺点和不足 1、年费较高
Hilton Surpass 的年费为 150 美元,在同等定位的酒店卡里是偏高的。当然,如果您经常住 Hilton 的话,它是很值的 —— 光 200 美元的 Hilton 报销就超过年费了。注意报销是每季度发放 50 美元。如果您每季度会至少住一次 Hilton 酒店,那么很值;如果一年中至少有 3 个季度会住 Hilton,那么也能获得 150 美元报销,刚好赚回年费。
如果你觉得年费太贵了,或者就是不喜欢年费,但是又想要一张 Hilton 卡,那么可以考虑这张卡的 0 年费兄弟卡,Hilton Honors —— 它的福利乏并不多,但毕竟送银卡会员、在 Hilton 消费有较高的积分,而且目前有很好的开卡奖励,作为一张 0 年费卡来说这样就已经不错啦!
2、绑定在 Hilton 忠诚度计划中、缺乏灵活性
这也是酒店联名卡的通病 —— 或者说特点。它的积分虽然可以有其他用途,比如转移到合作的航空公司、或在 Amazon 上消费,但是价值往往更低 —— 通常来说应该用在 Hilton 消费。如果您并不经常住 Hilton 的话,可能选择一张通用旅行卡更合适,比如年费仅需 95 美元的 Chase Sapphire Preferred,它的积分可以通过 Chase Travel 预定任何旅行、有 5 倍积分 —— Chase UR 积分可比 Hilton 积分值钱多了,我们对它的估值高达 1.7 美分,也就是说 5 倍积分相当于 8.5% 返现的价值!此外吃饭/流媒体/网上买菜有 3 倍积分,相当于 5.1% 返现!总体而言,这是张非常优秀的通用旅行卡、以及日常消费卡。
卡名 Amex Hilton Surpass Chase Sapphire Preferred Amex Hilton Surpass 希尔顿中端卡【限时奖励 130K + 一晚免费住宿】 估值 $720 Chase Sapphire Preferred 中端旅行卡|奖励 60K 估值 $750 - $1,020 图片 定位 希尔顿中端酒店卡 Chase 中端旅行卡、转点卡 特色 酒店卡 中端卡,旅行卡 年费 150 美元 95 美元 奖励 开卡6月内消费 $3,000,奖励 130,000 积分 + 一晚免费住宿 希尔顿积分估值 0.4 美分 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 消费 Hilton 酒店/度假村消费 12 倍积分 美国餐馆/超市/加油 6 倍积分 美国在线零售消费 4 倍积分 其他消费 3x 20.99%-29.99% 浮动 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 福利 每年 200 美元 Hilton 消费报销(每季度 50 美元 x 4个季度) 送 Hilton 金卡会员(有 80% 额外积分、户型升级、部分酒店酒廊/早餐等福利) 每年消费满 40,000 美元送钻石会员(有 100% 额外积分、酒廊/早餐等福利) 每年消费 15,000 美元送1晚周末房 送国家租车 Emerald Club 会员 境外消费无手续费 建议 Hilton 消费有很高积分、开卡奖励也相当丰厚 如果常住 Hilton,能拿到 200 美元报销,价值将超过年费 本卡日常消费回报也不错,若每年日常消费 + 希尔顿能超过 15,000,可再拿一个免费住宿,就非常超值了 若不常住 Hilton,拿不到报销,又刷不满 15,000 美元,则不值得申请 申请
3、无免费周年奖励夜晚
很多酒店卡每年提供一晚免费住宿,Hilton Surpass 不提供。你必须在一年内消费超过 15,000 美元,才能获得奖励住宿。
当然,您可以这么说,这是因为 Hilton Surpass 已经以另外一种形式,提供了相当于「一晚免费住宿」的福利:每年 200 美元的 Hilton 报销。可惜是分四个季度发放。
这张卡在美国餐厅、超市和加油站有 6x 积分,相当于 2.4% 返现的价值。所以作为日常消费卡也是可以的。如果您在 Hilton 的住宿、加上日常消费,每年能刷满 15,000 美元,可以拿一晚免费住宿,再加上 200 美元的报销,那就非常超值了!
Hilton Surpass 值得申请吗? Hilton Surpass 的年费偏高,但是它提供的积分和福利可以抵消这张卡的年费 —— 如果你经常住 Hilton 的话。它的日常消费回报也不错,如果您用这张卡在日常消费和 Hilton 每年能刷 15,000 美元,可以获得 1 晚免费住宿,若又常住 Hilton 能拿到 200 美元的报销,那么这张卡就很值了!当然,如果您就是不喜欢年费,又因为偶尔要住 Hilton,想要一些积分和福利,那么可以申请它的 0 年费版本,Hilton Honors。
酒店信用卡的积分,通常最好的用法都是在该酒店订房或升级。 Hilton Honors 的优点是希尔顿旗下酒店众多;缺点是积分价值较低、并且兑换比例不透明,根据大家的 data points,即使用在 Hilton 旗下酒店,估值也只有约 0.6 cents 。
希尔顿会员级别与积分价值 希尔顿荣誉客会(Hilton Honors)是全球最大的酒店忠诚计划之一,拥有超过 7,000 家酒店、24 个品牌。它的价值不高,用于兑换住宿的话我们的估值是 0.4 美分,但是它易于赚取和兑换,经常有优惠活动、奖励和非住宿兑换选项。Hilton Honors 有 4 个会员等级,除了通过住宿、积分外,Amex 与希尔顿的联名卡、以及 Amex 的白金卡,会赠送不同级别的精英会员身份,享受额外积分、入住礼遇、甚至房型升级等福利。
希尔顿荣誉客会忠诚计划提供四个会员等级:基础、银卡、金卡、钻石。任何人注册希尔顿荣誉客会计划后,希尔顿会自动授予基础会员,在 Tru 和 Home2 品牌酒店每消费 1 美元可获得 5 个积分、其他所有希尔顿酒店可获得 10 个积分。如果您是精英会员,则会有额外的积分,比如说金卡会员有额外的 80% 积分,意思就是说你在 Tru 和 Home2 酒店可获得 5 + 5 x 80% = 9 倍积分、在其他希尔顿酒店可获得 10 + 10 x 80% = 18 倍积分。
更高的会员等级可以通过多种方式获得:达到住宿要求、或积分要求、或持有对应的 Amex 信用卡。比如说:一个日历年内完成 4 次入住、或住满 10 晚、或达到 25,000 积分、或持有 Amex Hilton Honors 联名信用卡,则可获得银卡会员身份;若达到更高的要求则可以获得金卡、钻石身份,其中,金卡身份可以通过多张信用卡获得,包括 Amex Hilton Supass 信用卡(及其商业版)、Amex Platinum 白金卡(及其商业版)。
表格:希尔顿精英会员福利
要求/福利 基础 银卡 Silver 金卡 Gold 钻石 Diamond 住宿要求 无 10 晚/4 次 40 晚/20 次 60 晚/30 次 或积分要求 无 25,000 75,000 120,000 送会员的信用卡 n/a Honors Surpass 白金卡 Aspire 住宿额外积分 无 20% 80% 100% 手机入住/退房 自选房间/数字房卡 免费 WiFi 奖励住宿免附加费 荣誉客会体验 免费瓶装水 x 2 奖励住宿第五晚免费 精英会员夜数可结转 全包式水疗折扣 房型升级 饮食券或欧陆早餐 里程碑奖励 行政酒廊 钻石会员资格延期 高级 WiFi 48 小时房间保证 精英会员资格赠送
Amex 信用卡申请规则 1、批卡限制
Amex 有三类卡:个人信用卡、商业信用卡、签帐卡。申请 Amex 信用卡有下面四条常见的规则/限制,但通常不适用于白金卡、黄金卡、绿卡、玫瑰卡等签帐卡。所谓签帐卡(charge cards )就是你每月需要还清所有欠款、而不是最低余额。普通信用卡,您可以每月只还最低余额,但是我们强烈不建议那么做,因为会有很高的利息。
5/10 Cards: 你最多只能同时有 5 张 Amex 信用卡:含个人卡、联名卡、商业卡;副卡不算,签帐卡也不算。签帐卡可最多持有 10 张。 1/5 Rule: 5 天内最多只可获批 1 张 Amex 信用卡、不含签帐卡。如果你正在申请多张美国运通卡,需等待至少六天,据说这是为了减小信用卡欺诈和身份盗用的危害。但是,同一天申请 1 张普通信用卡 + 1 张签帐卡,仍有可能获批。 2/90 Rule: 90 天内最多可获批 2 张 Amex 信用卡、不含签帐卡。据说这是为了防止用户获得太高的信用额度、减小 Amex 的风险,同时也是为了减少开卡奖励的成本。为了提高获批多张美国运通卡的几率,你需要巧妙地结合 2-in-90 限制和 1-in-5 规则进行申请策略规划。 2、开卡奖励
只能拿一次奖励: 开卡奖励仅限第一次,适用于所有个人卡、商业卡和签帐卡。如果你曾经有过某张 Amex 信用卡,包括直接申请、或者通过升级 / 降级获得,此后关闭,若再申请这张卡可能获批,但不会有开卡奖励。 同系列卡的限制 :从 2023 年开始,Amex 逐渐给同系列卡的奖励添加了限制,简单来说就是如果你拿了一张较高端卡的奖励,未来你申请同一系列里较低端的卡,将无法拿开卡奖励;但是反过来则没有限制 —— 你先申请一张较低端的卡,未来再申请同系列较高端的卡,仍然可以拿奖励。目前所知主要是针对个人卡,包括 Delta 达美航空联名卡 、Mariott 万豪联名卡 、Blue Cash 返现卡、Everyday 积分卡、以及签帐卡系列(绿卡、金卡、白金卡)。比如说,如果你之前有过金卡,则申请同系列较低端的绿卡将没有奖励;你之前有过白金卡,那么申请较低端的金卡和绿卡将没有奖励 —— 但是反过来说,你之前有过绿卡,申请同系列较高端的金卡和白金卡,仍然可以拿开卡奖励。 申请美国运通卡时不确定是否符合这些规则?有一个简单的方法可以在申请前找出答案:在线申请。如果你不符合欢迎奖励的资格,你会在提交申请前收到一个弹出警告。如果出现弹窗说 「based on your history with American express welcome offers,[…] you are not eligible to receive this welcome offer」,可能有多种「历史」原因,比如你之前有过这张卡,根据 「once in a life time」 规则不能再拿开卡奖励;或者你之前有拿了奖励就关卡走人的黑历史(建议至少持有 12 个月、再关卡或者降级);或者你除了满足开卡奖励要求外、几乎没有其他消费,若是这种情况,可先退出申请、不提交(不会留下 hard pull),多使用你手头的 Amex 卡,过一段时间再试试,也许就有资格拿开卡奖励了。
3、其他注意事项
根据 Amex 的定义 ,如果针对美国超市(U.S. Supermarkets)有高额返现返点,不包括 Walmart、Target、Amazon 等超级商店、以及 BJ’s Club、Costco、Sam’s Club 等大宗量贩店、以及鱼市、cheese shops、酒市等「specialty stores」。如果加油有高额返现返点,也不含超市的油站,如 GetGo/Giant Eagle, Target/Walmart/Costco 的油站等。 Amex 信用卡不时有合作商家福利,如额外的返现或返点,俗称 Amex offer 。 Amex 信用卡的接受程度不如 Mastercard 和 Visa,有些小店不收。 查看详情:《美国信用卡申请规则与限制 》
2024 美国信用卡终极推荐 申请信用卡的大致有三类人:
第一类人 :不想花时间研究信用卡,只需要两三张卡满足日常消费即可。最 regular 的日常消费不外乎买菜、加油、吃饭,这些我们都会单独列出来推荐;另外可申请一张涵盖其他类别的 0 年费返现卡,可长期持有、不用担心消费要求、也不用琢磨任何福利,因为年费卡的福利往往要花一些时间去研究如何才能最大化用掉。 第二类人 :对信用卡有一定兴趣,想要攒积分,兑换酒店、机票等常用消费。如果你有固定经常光顾的酒店和/或航司,可申请他们的联名卡,我们也会单独介绍。另外就是通过信用卡公司自身的积分系统,转点到酒店或航司。三大信用卡积分系统是 Chase Ultimate Rewards (UR) 、 Amex Membership Rewards (MR) 和 Citi ThankYou Points(TYP),建议先从 Chase 入门,其次 Amex,最后考虑是否入坑 Citi 。想要玩积分的话,年费卡、转点卡必不可少,可根据自己的消费习惯和偏好再选择一两张无年费卡。 第三类人 :热衷薅开卡奖励,愿意花时间研究信用卡福利,有志成为、或本来就已经是信用卡达人。对于这种人,可能已经根本不需要我们来推荐,欢迎大牛前来赐教! 本文介绍了:无 SSN 新人卡;零记录卡;长期持有懒人卡;买菜卡;吃饭卡;一卡流推荐;高奖励卡;史高奖励;等等。
本月信用卡开卡奖励汇总 点数和里程,按照估值换算为现金 —— 请根据自己的消费习惯、以及愿意花多少时间和精力玩积分,来决定哪家的奖励最适合你。如果是你不怎么会用到的积分,奖励的价值会下降,可优先考虑现金奖励;新手玩积分可先从 Chase (UR ) 和 Amex (MR ) 开始。如果你手头有闲钱,还可考虑本月最好的银行开户奖励 。
美国信用卡的开卡奖励,通常是消费满一定数额就送现金 statement credit、或一笔高额点数,有的还会同时免首年年费、或赠送其他福利。下面是本月目前最高的个人信用卡开卡奖励,按估值从高到低排序。
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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