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Chase Sapphire Preferred (CSP) 俗称「蓝宝石卡」,它和年费更高的 Chase Sapphire Reserve (CSR) 一样,可把 Chase 的 UR 积分转为航空里程或酒店点数,提高其使用价值,属于玩 Chase 系列必备的转点卡、二选一即可。CSP 虽然有 99 美元的年费,但它的很多消费类别有高积分、开卡奖励很好、并且有非常多的福利(包括 $50 Chase Travel 酒店报销、很多保险/保护/延保),是最好的旅行卡、中端卡之一。
点击申请
Chase Sapphire Preferred 简介 定位 :Chase 中端旅行卡、转点卡
年费:95
主要福利:
开卡奖励:
开卡 3 月内消费 $5,000,奖励 100K 积分,估值 $1700 美元,这是历史最高奖励! 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 积分/返现:
5x 积分 :通过 Chase Travel 的所有旅行消费 3x 积分 :餐饮(包括外卖服务和外带)、流媒体、网上买菜(Target、Walmart、Costco 除外) 2x 积分 :不通过 Chase Travel 购买的旅行消费 1x 积分 :其他所有消费 申请建议:
优点
很好的开卡奖励 奖励类别多 主租车保险 灵活的奖励兑换 积分转移伙伴 缺点
对于旅行者来说,这张年费 $95 的 Chase Sapphire Preferred® 卡是一款多功能且有价值的选择。使用这张卡,你可以通过多种方式赚取奖励积分(Chase Ultimate Rewards; UR 积分),并将其用于旅行,例如将这些积分转移到各种忠诚计划,包括美国联合航空、西南航空、万豪和凯悦等大航司和酒店集团,灵活度非常高。同时,它也可以与其他能赚取 UR 积分的 Chase 卡搭配使用。对于那些喜欢从奖励中获得高价值的旅行爱好者来说,它是一张必备卡。
使用这张卡赚取的 Chase Ultimate Rewards® 积分在通过 Chase 预订旅行时价值 1.25 美分。以这种方式使用积分,或将其转移到旅行伙伴,是从 Chase Sapphire Preferred® 卡中获得最大价值的关键。否则,用于现金返还、礼品卡和商品的积分价值不如旅行兑换。
Chase Sapphire Preferred 福利 Chase Sapphire Preferred® 卡为旅行者提供了很多福利,在同等级别年费的信用卡里很难得。
1、丰厚的开卡奖励
本卡有非常高的开卡奖励 —— 平常是 60K,估值 1,020 美元,最高可达 100K 积分、估值 1,700 美元!
2、消费积分
餐饮和流媒体服务上的 3x 积分非常有用。如果你愿意通过 Chase 的旅行门户预订,旅行相关的消费积分更为丰厚。即使你不这样做,Chase 对「旅行」的定义很广泛;除了机票和酒店住宿外,你还可以用在停车场费用、公交票价和露营地等费用上,都可以赚取积分,并且不仅限于美国的旅行和餐饮消费,而是可以在全球范围内 赚取。至于在线购买日常杂货,就取决于你的生活方式了。
如果你愿意使用积分通过 Chase 预订旅行,积分将获得 25% 的提升(价值达到 1.25 美分)。意味着,在餐厅或流媒体服务上每消费一美元,当用于通过 Chase 预订旅行时,价值为 3.75 美分;若是转到航司或酒店,可用出最高 2.0 美分的价值(我们对其整体估值为 1.7 美分)。
3、其他福利 :
每年 $50 的酒店报销 :需通过 Chase Travel 购买。 每个账户周年日,持卡人将获得相当于上一年总消费额 10% 的奖励积分。注意,它的计算方式是在现有积分类别上额外增加 0.1x,比如 5x 积分将变成 5.1x 积分、3x 积分将变成 3.1x 积分,参见这篇文章解释 —— 《Chase Sapphire Preferred 信用卡的 10% 周年奖励积分详解 》。 DoorDash 福利 :享受至少 12 个月的免费 DashPass 服务,激活后符合条件的订单可享受免配送费、更低的服务费,激活截止日期为 2024 年 12 月 31 日。 旅行取消/中断保险 :如果你的旅行因疾病、恶劣天气等原因被取消或中断,你可以获得每人最多 $10,000 和每次旅行最多 $20,000 的预付、不可退款旅行费用赔偿。包括乘客票价、旅游和酒店费用。 租车碰撞损坏保险 :不需要购买租车公司的碰撞保险,将整个租车费用计入你的卡中。与大多数其他卡不同,Chase Sapphire Preferred 的保险是主要保险。它为美国和海外大多数租车提供盗窃和碰撞损坏的赔偿,金额最高为车辆的实际现金价值。 行李延误保险 :如果行李延误超过六小时,你可以报销必要的购买费用,包括洗漱用品和衣物(每天最多 $100,最多五天)。 旅行延误报销 :如果你的旅行延误超过 12 小时或需要过夜住宿,你和你的家人可以报销未报销的费用,如餐饮和住宿费用,每张票最多 $500。 旅行和紧急援助服务 :如果你在外遇到问题,可以致电 Chase 的福利管理员,获取法律和医疗转介或其他旅行和紧急援助。持卡人需自行承担任何商品或服务的费用。 购买保护 :在购买后的 120 天内,对新的购买物品提供损坏或盗窃的保障,每次索赔最高 $500,每个账户最高 $50,000。 延长保修保护 :在符合条件的三年或以下的美国制造商保修期基础上延长一年。 4、积分转移伙伴
这张卡可以将获得的 UR 积分 1:1 转点到合作伙伴,如果你愿意寻找良好的兑换机会、使用得当的话可以用出非常高的价值。有时,一趟要花费数千美元的航班,只需 50,000 里程/积分加税费即可获得。下面讨论 Chase UR 积分估值时我们会详细讨论。
5、与其他 Chase 信用卡配套使用
持有 Chase Sapphire Preferred® 卡,可以将其他 Chase 卡里赚取的 UR 积分转移到此卡、从而提高其使用价值。比如说,你持有 Chase Freedom Flex 卡,它有季度轮换类别上赚取 5x 的积分;或者有 Chase Freedom Unlimited 新人神卡,它在餐馆/外卖/药店有 3x 积分、并且首年所有消费有 1.5x 额外奖励,相当于首年餐馆/外卖/药店有 4.5x 积分 —— Chase Freedom 卡的积分只能用于还款,价值是 1 美分;而你有了 Chase Sapphire Preferred 之后,将积分都转到 Chase Sapphire Preferred 账户里,保底价值就变成了 1.25 美分(通过 Chase Travel 预定旅行消费)、甚至 2 美分(转点到航司/酒店合作伙伴)!
Chase 个人信用卡里,只有 Sapphire 系列具有将积分转移到合作伙伴、提高使用价值的功能,分别是这张 Chase Sapphire Preferred (CSP)、以及 Chase Sapphire Reserve (CSR),下面我们还会详细对比这两张卡。
CSP 缺点、以及值得考虑的其他信用卡 1、奖励结构较复杂
所有这些不同费率的奖励类别、周年奖励、以及通过 Chase 预订旅行时每点 1.25 美分的兑换,对于新手来说可能会让人头晕。
此外,要想获得最高的积分以及使用价值,需要研究 Chase 门户预订旅行、或将积分转移到不同的忠诚计划,这需要更多的研究和时间。而且为了真正提升你的积分,许多人会将这张卡与其他 Chase 卡一起使用。
总之,要想充分利用 Chase Sapphire Preferred® 卡的福利,需要一定的学习曲线、以及时间和精力投入 —— 并不是每个人都愿意这么做:
Amex Blue Cash Preferred Citi Double Cash 申请 | 详情 申请 | 详情 定位 低年费买菜神卡 0 年费 2% 返现神卡 年费 95 美元 免首年 0 美元 奖励 开卡 6 个月内消费 $3,000,奖 $250 6 个月内消费 $1,500,奖励 20,000 TYP 积 此卡可以将积分以 1 美分的价值取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 消费 不含 Walmart, Target, Costco 等超级商店 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 所有消费 2% 返现 福利 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 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 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 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 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)
2、高级福利不如高端卡
Chase Sapphire Preferred® 卡对一般旅行者来说是一张出色的卡。它甚至还有一些旅行福利,如主租车保险、行程取消/中断保险和行李丢失保险等。但如果您喜欢豪华的旅行体验,那么更昂贵的 Chase Sapphire Reserve® 可能更适合。
Chase Sapphire Reserve ® 年费为 $550,附带每年 $300 的旅行信用和 Priority Pass Select 权益,可免费进入多个机场贵宾室,包括在某些机场餐厅用餐。并且它还报销 TSA PreCheck 或 Global Entry(或 NEXUS)的费用,价值高达 $100 —— 10 月起涨价成 120 美元,参见:《美国快速通关的 5 个信任旅客计划|Global Entry 和 NEXUS 要涨价啦 》。
Chase Sapphire 两张卡对比:CSP vs CSR Chase 共有三张转点卡:个人卡 Chase Sapphire Preferred (CSP) 、Chase Sapphire Reserve (CSR),以及商业卡 Ink Business Preferred (IBP)。这三张卡可把 Chase Ultimate Rewards(UR 积分)转到合作的航空公司或酒店积分系统,提高其使用价值,玩 Chase 积分必备其一。如果没有转点卡,UR 积分用于还款的话价值 1 美分(其他兑换选项也往往是 1 美分甚至更低)。而拥有 CSP/IBP,在 Chase Travel 预定旅行,UR 积分的价值 1.25 美分;若拥有 CSR,则价值是 1.5 美分。若转点到合作伙伴,价值至少在 1.7 美分以上!参见 《Chase Ultimate Rewards (UR) 点数攻略:积分估值 1.7 美分 》。
下面是这两张个人转点卡 CSP vs CSR 的详细对比:
Chase Sapphire Preferred 中端旅行卡 Chase Sapphire Reserve 高端旅行卡 链接 申请 | 详情 申请 | 详情 定位 Chase 中端旅行卡、转点卡 Chase 高端旅行卡、转点卡 特色 中端卡, 旅行卡 高端卡, 旅行卡 年费 95 美元 550 美元 奖励 开卡 3 月内消费 $4,000,奖励 100K 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 吃饭/流媒体/网上买菜 5x 积分 通过 Chase Travel 的所有旅行消费菜 3 x 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 x 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 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) 加副卡 75 美元/人 无外币交易手续费 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
即使减去容易拿到的报销福利,CSR 的年费仍比 CSP 高 $95-$155,但同时攒点能力比 CSP 高(部分类别 3x vs 2x),且能以更高的比例把积分在官网用掉(1.5 美分 vs 1.25 美分)、并可将积分用于抵消年费(CSP 不能)。如果你能通过多攒点赚回超过的年费,建议申请 CSR,否则建议申请 CSP。若不确定,则申请 CSP。
最后的注意事项:
这两张卡若持有其中一张、不能申请另一张,会被拒绝;二选一即可 。如果你想关卡之后再申请另一张,注意 Sapphire 这两张卡 CSR/CSP 48 个月内只能拿一次开卡奖励:如果你 48 个月内拿过其中一张,再申请另一张没有开卡奖励。 两张卡申请难度都比 Freedom 系列高,建议信用长度一年以上、或持有其他 Chase 卡一段时间后再申请 CSP / CSR;两张都是金属卡,质感和逼格很高;都没有境外消费手续费,出了美国也可以刷。 查看详情:《Chase 转点卡 CSP 与 CSR 对比 》
Chase Sapphire Preferred 值得申请吗? Chase Sapphire Preferred 提供了出色的价值。但要想获得最大价值,您需要充分利用其各种功能和福利。如果这对你来说不是问题的话,这张卡是最好的旅行信用卡、最好的中端卡之一。但是,如果您没有兴趣玩卡,只是用他来进行日常消费积分、甚至简单地将积分用于还款 —— 那就是买了把牛刀却用来杀鸡了。
以下情形值得申请:
你用这张卡支付旅行费用 :Chase Sapphire Preferred® 卡提供旅行取消和中断保险。如果因疾病、恶劣天气或其他符合条件的原因取消或缩短旅行,你可以获得每人最高 $10,000 和每次旅行最高 $20,000 的赔偿。虽然你可以通过其他公司购买旅行保险,有时费用低于 $95,但仅需用 Chase Sapphire Preferred® 卡购买旅行就能获得保障,无需额外步骤,充分体现了其年费的价值! 你经常外出就餐或订外卖 :如果你经常从餐馆订餐,Chase Sapphire Preferred® 卡的年费是值得的,因为你在餐馆消费每 $1 可获得 3 点积分(包括堂食和外卖)。 你知道如何(或愿意学习如何)最大化利用 Chase 的转移伙伴 :Chase 有 14 个转移伙伴,包括美国联合航空、阿联酋航空、凯悦和加拿大航空。如果你能利用这些计划,你可以为你的 Chase Ultimate Rewards® 积分获得巨大的价值。例如,你可以将 70,000 Chase Ultimate Rewards® 积分转移到加拿大航空的 Aeroplan,购买从苏黎世到洛杉矶的瑞士航空商务舱单程票(如果用现金支付可能超过 $7,500)。 以下情形不值得申请:
你不会用这张卡购买旅行或餐饮 :虽然 Chase Sapphire Preferred® 卡有一些与旅行无关的好处,如在线购买杂货和选定流媒体服务每 $1 获得 3 点积分,但这张卡对那些利用旅行和餐饮福利的持卡人来说才是最有价值的。 Chase Sapphire Preferred 有哪些消费积分?
通过 Chase 预订的所有旅行每 $1 赚 5 点,餐饮(包括符合条件的外卖服务和外带)每 $1 赚 3 点,选定流媒体服务每 $1 赚 3 点,在线购买杂货(不包括 Target、Walmart 和批发俱乐部)每 $1 赚 3 点,非通过 Chase 预订的旅行每 $1 赚 2 点,其他消费每 $1 赚 1 点。发行人可能会在特定类别中提供限时的额外奖励。
Chase Sapphire Preferred 的积分值多少钱?
这取决于你如何兑换。如果你使用它们通过 Chase 预订旅行 —— 例如机票、酒店、租车或邮轮 —— 积分价值为每点 1.25 美分。如果你将其兑换为现金,每点价值 1 美分。你还可以将积分转移到大约十几家航空公司和酒店的忠诚计划;你在这些计划中的兑换价值取决于如何使用这些积分,一般估值在 2.0 美分左右。比如,我经常将其用于兑换 Hyatt 酒店。
Chase Sapphire Preferred 的奖励会过期吗?
你的积分不会过期(除非账户关闭)。你可以赚取的积分数量没有限制。
Chase Sapphire Reserve (CSR) 的年费要高得多,达 $550,而 Chase Sapphire Preferred (CSP) 的年费为 $95。但是,CSR 提供更丰富的奖励和更多的福利:通过 Chase 预订旅行时,每点价值 1.5 美分(而 CSP 为每点 1.25 美分),此外,每年报销 $300 的旅行信用,抵消了大部分年费,相当于等效年费 250 美元。
获得 Chase Sapphire Preferred 需要怎样的信用分数?
如果你的信用良好到优秀,并且符合 Chase 的 5/24 规则,就有较大的机会获批 Chase Sapphire Preferred® 卡的批准。良好的信用通常是 FICO 分数 690 以上。银行还会考虑你的收入、现有债务和其他信息。参见:《美国信用分数多少算高?轻松提高 FICO 分数指南 》。
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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