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Chase Freedom Flex (CFF) 是一张非常棒的新人卡:它提供季度轮换 5% 高返现类别、加上固定的餐饮、药店 3%,以及 Chase Travel 5%,并且返现以 Chase UR 积分的形式发放 —— 若你有转点卡的话能用出更高的价值。不过,季度轮换 5% 类别需要激活。如果你是想要一张什么也不需要记的高返现卡,可考虑 Chase Freedom Unlimited 甚至是 Citi Double Cash。
Chase Freedom Flex Chase Freedom Flex (CFF)|奖励 20K 估值 $200 - $340
定位 :新人0年费返现好卡
年费 :0
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 开卡奖励 :
积分/返现 :
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 申请建议 :
优点
无年费 开卡奖励不错 很好的奖励类别 现金奖励、但又有潜力用出更高的价值 介绍期 0% APR 缺点
在奖励信用卡中,Chase Freedom Flex 展现了强大而独特的一面,结合了两种最佳奖励模式:固定的奖励类别最高可达 5% 返现,加上每季度轮换的 5% 奖励类别。当然,这也意味着您需要做一些跟踪工作,所以,如果你寻求的是更简单、更直接的奖励,其他返现卡可能更适合你。但如果你愿意跟踪并激活季度奖励类别,同时关注不同的奖励层级,Chase Freedom Flex 将为你提供丰厚的回报。
表格:Chase Freedom Flex 2024 年的奖励类别
季度 5% 返现类别 Q1 1/1-3/31 杂货店 健身俱乐部和健身房会员 自我护理和水疗服务 Q2 4/1-6/30 Q3 7/1-9/30 Q4 10/1-12/31 待定 2023 年为 PayPal、量贩店、慈善机构
虽然 Chase Freedom Flex 宣传是「返现卡」,但奖励实际上以 Chase Ultimate Rewards (UR) 点数的形式发放。如果选择将点数兑换为现金返还,每点固定价值 1 美分(所以叫「返现卡」)。你可以将现金直接存入你的美国支票或储蓄账户,或者选择账单抵扣。
你还可以将点数兑换为礼品卡,或通过 Chase 预订的旅行,每点价值 1 美分。还可以用于 Amazon 购物,但每点价值仅 0.8 美分、不划算、不推荐。如果你想用 Chase UR 点数进行旅行,你可以搭配一张转点卡(个人卡 CSP /CSR 、或商业卡 Ink Biz Preferred )来获得更大的回报。
Chase Freedom Flex vs Chase Freedom Unlimited Chase Freedom Flex 和 Chase Freedom Unlimited 两张卡很像,不但名字相似,而且也有类似的福利,但有一个关键的区别:
Chase Freedom Flex 在非奖励类别消费中仅获得 1% 的返现。但与 Chase Freedom Unlimited 不同,它还具有 5% 的季度轮换奖励类别。这提升了它的赚取能力,但也意味着需要更多的时间和精力。 Chase Freedom Unlimited 在非奖励类别消费中获得 1.5% 的返现,但没有 Chase Freedom Flex 的 5% 轮换类别。所以如果你喜欢简单,Freedom Unlimited 可能更适合你。 Chase Freedom Flex 使用的是万事达卡支付网络,而 Chase Freedom Unlimited 是 Visa。就接受度而言,携带 Visa 或万事达卡并没有太大区别,但这些网络确实提供了一些不同的附加福利。
卡名 Chase Freedom Flex Chase Freedom Unlimited Chase Freedom Flex (CFF)|奖励 20K 估值 $200 - $340 Chase Freedom Unlimited (CFU)|首年消费额外奖最多 30K 价值 $300 - $510 图片 定位 新人0年费返现好卡 新人神卡 特色 新人卡 新人卡,旅行卡 年费 0 美元 0 美元 奖励 消费 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 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 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 建议 申请
Chase Freedom Flex 的福利 1、出色的注册奖励
当前的奖励:在账户开立后的前三个月内消费 $500,可获得 $200 的奖励。对于无年费信用卡来说,这是很好的奖励了。
2、轮换 + 固定高奖励类别
季度轮换的 5% 的返现,经常会包括许多人每天消费的广泛类别,比如加油站、杂货店、百货店、Amazon.com 等。许多持卡人可以在不大幅改变消费习惯的情况下赚取大量奖励 —— 但您要记得每季度激活奖励类别。
除了 5% 的轮换类别外,Chase Freedom Flex 全年在受欢迎的类别中提供不错的奖励,包括餐饮、外卖、药店 3% 返现。每季度 5% 奖励类别限前 $1,500 消费,而餐饮和药店的 3% 返现没有限制。
3、点数可以转移以最大化价值
Chase UR 点数通常每点价值 1 美分,但如果你同时持有 Chase 的转点卡,您可以将 Freedom 获得的积分,合并到转点卡中,实现更高的价值:
如果你持有 Chase Sapphire Preferred 个人卡、或 Ink Business Preferred 商业卡,在 Chase 门户预订旅行时积分的价值是 1.25 美分。 如果你持有 Chase Sapphire Reserve 个人卡,每点在通过 Chase 预订旅行时价值 1.5 美分。 如果你持有这三张卡之一,点数还可以 1:1 的比例转移到 Chase 的酒店和航空公司合作伙伴, United, Southwest, JetBlue, British Airways, Marriott 和 Hyatt 等,甚至能用出 2.0 美分以上的价值 —— 我们对其的整体估值为 1.7 美分,是美国最好用、价值最高的信用卡积分系统,参见 《Chase Ultimate Rewards (UR) 点数攻略:积分估值 1.7 美分 》 下面是三张 Chase 转点卡的对比。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 Sapphire Preferred Chase Sapphire Reserve Chase Ink Business Preferred 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 Chase Ink Business Preferred 奖励 90K 估值 $1,125 - $1,530 图片 定位 Chase 中端旅行卡、转点卡 Chase 高端旅行卡、转点卡 Chase 中端、转点卡、旅行卡 特色 中端卡,旅行卡 高端卡,旅行卡 旅行卡 年费 95 美元 550 美元 95 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 3 个月内消费 $8,000,奖励 90,000 Chase UR 积分 持此卡 UR 积分在 Chase Travel 消费保底价值 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 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 办公用品、2025/3 前 Lyft 乘车 5 倍 UR 积分 旅行、宽带/手机/电视、邮寄/快递、社媒/搜索引擎广告消费 3 倍积分 3倍积分有消费上限、但高达 $150,000,足够了 其他消费 1 倍积分 21.24%-26.24% 浮动年利率 福利 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 Chase 有三张转点卡,这是其中唯一的 持此卡 Chase UR 积分保底 1.25 美分、整体估值 1.7 美分 商业目的出行租车,送「主要」租车险 有消费保护、手机保护 可免费为员工办理副卡 无境外交易手续费 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 玩转 Chase 必备一张转点卡,这张是很好的选择(转点卡共三张,另外两张是 CSP/CSR) 本卡高积分类别不错(对于小生意来说实用),且相比年费来说开卡奖励巨高!值得申请 若是规模很小的生意,怕赚不回年费,可考虑无年费 Chase Ink Business Cash 申请
Chase Freedom Flex 的缺点和注意事项 1、不能 「一次设置就完事」
为了充分利用 Chase Freedom Flex,你需要关注奖励类别 —— 尤其是每季度变化的 5% 类别。你每三个月都必须激活奖励类别,否则就只能获得 1% 的返现。
如果您没有心思关注这些,那么您应该选择一张更简单的卡:
前面我们已经提到,Chase Freedom Unlimited 有固定的奖励类别、不会改变,而其他所有消费则获得 1.5% 的返现。 如果您还想要更简单的卡,那么 Citi Double Cash 所有消费 2% 返现、年费为 $0,是最省事的高返现卡。 2、不适合国际旅行
如果你在国际旅行,不要刷 Chase Freedom Flex —— 它会收取 3% 的外币交易费。 相比之下,Bank of America 的 Travel Rewards 没有外币交易手续费,而且它的奖励结构更简单:所有消费 1.5x 积分,这些积分可以 1 美分的价值用于旅行类的消费,没有年费。
下面是 Chase Freedom Flex, Chase Freedom Unlimited, Citi Double Cash 以及 BoA Travel Rewards 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 Flex Chase Freedom Unlimited Citi Double Cash BoA Travel Rewards Chase Freedom Flex (CFF)|奖励 20K 估值 $200 - $340 Chase Freedom Unlimited (CFU)|首年消费额外奖最多 30K 价值 $300 - $510 Citi Double Cash|奖励 20K 价值 $200 - $300 BoA Travel Rewards |奖励 25K 价值 $250 图片 定位 新人0年费返现好卡 新人神卡 0年费 2% 返现神卡 BoA 新手旅行卡 特色 新人卡 新人卡,旅行卡 旅行卡 年费 0 美元 0 美元 0 美元 0 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 3个月内消费 $1,000,奖励25,000分 BoA Rewards 积分价值 1 美分 消费 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 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 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 所有消费1.5x 积分 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 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 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 境外消费无手续费 15个月内购物 0% APR 60 天内余额转移 0% APR 建议 申请
3、奖励类别可能不符合你的消费
每个季度的 5% 高奖励类别无法控制、也无法预测,它不一定符合你的消费需求。比如说,你的冰箱坏了,你现在需要一个新的,但本季度的高奖励类别可能是杂货和流媒体服务。
如果你在寻找更多可定制的奖励,试试 U.S. Bank Cash+ Visa Signature 卡。它在你选择的两个奖励类别、每季度前 $2,000 消费提供 5% 的返现。它还在你选择的一个日常类别(如加油或杂货)中获得无限 2% 的返现,其他所有消费则获得 1%。
Chase Freedom Flex 值得申请吗? Chase Freedom Flex 非常适合那些希望从消费中挤出最大收益的人。它的开卡奖励对于 0 年费卡来说很厚道,轮换 5% 奖励类别每年可以获得最多 $300 返现。再加上通过 Chase 预订旅行获得的 5% 返现,餐饮和药店的 3% 返现,其他所有消费的 1% 返现,这是最好的 0 年费返现卡之一。缺点是需要一点时间和精力关注其高奖励类别,如果您不想要这种麻烦的话,建议考虑 Chase Freedom Unlimited 等其他选择。
Chase UR 积分估值与使用 Chase 的 Ultimate Rewards (UR) 是美国三大信用卡点数(积分)系统之一。UR 积分用途广泛、容易积攒、价值高,广受用户喜爱。UR 点数保底价值 1 美分(直接用于还款);如果你持有 CSP,保底 1.25 美分; 如果你持有 CSR,保底 1.5 美分; 如果你持有 CSP 或 CSR(或 Preferred 商业卡),将 UR 转点到其他合作伙伴,价值可最大化,能用出 2.0 美分的价值 —— 我们对其整体估值为 1.7 美分。
UR 点数可兑换成 statement credit、用于还款,保底现金价值 1 美分。 如果你持有 CSP 或 CSR,有两种方式可以将 UR 点数以 1.25 cents / 1.5 cents 的比例用掉 :在 Chase Travel Portal 上订机票酒店等旅游项目;Pay Yourself Back, 报销 90 天内的超市买菜、家居店、吃饭等消费;CSR 还可以将其以 1.5 cents 的比例用于交年费!因此,1.25 / 1.5 可视为 CSP / CSR 的 UR 积分保底价值。 持有 CSP 或 CSR,还可将 UR 点数转到 13 个合作伙伴,包括星空联盟的 United Airlines MileagePlus, Singapore Airlines KrisFlyer, 寰宇一家 Oneworld 的 British Airways Executive Club, 天合联盟 SkyTeam 的法荷航 Flying Blue, 维珍航空 Flying Club, 西南航空 Rapid Rewards, 以及 Hyatt, Marriott, IHG 三个酒店集团。最划算的方法是用于 UA 中美航班、新加坡航空航班、美国大陆往返夏威夷、英国航空的美国境内航班,等,估值达 2.0 cents;如果是用于商务舱、头等舱等,价值甚至可以远远超过 2.0 美分。 转点成合作酒店的积分,最划算的是 Hyatt ,我经常这么做,常能用出 1.8、甚至超过 2.0 的价值。 更多详情参见 《Chase Ultimate Rewards (UR) 点数攻略:积分估值 1.7 美分 》。 Chase 信用卡申请 5/24 和 2/30 限制 申请 Chase 信用卡有著名的 「5/24」「两年五卡」限制 :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。「2 年」 的计算为 24 个月;比如说,你倒数第 5 张卡是 2022 年 1 月 15 日批准,为保险起见,建议你至少等到 2024 年 2 月 1 日(不是 2024 年 1 月 15 日),再申请 Chase 的卡。至于什么算 「5 张及以上」,细节比较复杂一些:
这包括所有银行发的信用卡;包括 Amex 发的签帐卡 ;包括两年内先申请、后关闭的信用卡;包括 Capital One、Discover 和 TD Bank 的商业卡;包括副卡(如果你的配偶在两年内开了信用卡、你是 authorized user,也会计算在内);包括少量 store credit card(我们通常不建议申请任何 store credit card)。 不包括未批准的信用卡申请;通常不包括除了 Capital One、Discover、TD Bank 之外的商业卡;不包括车贷、房贷、学生贷款等其他信用账号。此外,升级和降级一般不计算为「新」卡。 在其他银行申请的卡,如果尚未上报到信用局、没有出现在你的信用报告上,Chase 不知道、因此可能不会计入 5/24 限制。延伸阅读 :《免费查信用报告和信用分数的网站及方法 》。 如果因为副卡触发 「5/24」 限制,可打电话给 Chase 客服解释,有时可以免除,但没有保证。 曾经有过一些绕过 「5/24」 的方法,陆续被堵死。目前,如果你已经触发了 「5/24」 限制,只有在收到 Chase 的 target offer 时,才有可能申请成功。登录 Chase 网银,或 Chase app,若在 「just for you」 或 「credit cards」 里有 「selected for you」 / 「you’re already approved」 / 「you’re prequalified」 的信用卡,则有可能 在 5/25 限制内仍然获批。 另外还有一条不那么严格的 「2/30」 规则:30 天内不要申请两张以上的 Chase 信用卡,否则大概率被拒。也有批准的例子,只能说 YMMV 。
查看详情:《Chase 两年五卡限制及新人申卡顺序建议 》
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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