美国信用卡之我见2015年版（第六弹更新8.26）

主宰 发表于 2014-3-29 14:00

很赞哇，什么时候来一弹出国旅游刷的那种免货币转换费的卡

第七弹：免境外手续费

这里我偷懒直接拷贝网站信息了（年费注在括弧内），如果有EVM芯片的也有注出。注意，没有FOREX并不代表没有DCC（VISA或MC可能收取）。

• Capital One all cards.  For example, Cash Rewards World MasterCard ($0 annual fee) that returns 1.5% cash back and Venture Rewards ($59 annual fee) that returns 2% cash back are great cards to have if you want a Capital One card.
• Amex Platinum ($450).  On ourTop List.  Keep in mind that Amex's coverage outside USA is much smaller than Visa or MasterCard.  It also has an embedded EVM chip for foreign travel.
• Amex Centurion ($2,500).  It also has an embedded EVM chip for foreign travel.
• Barclays Arrival ($0 or $89 & 1st year free).
• BofA BankAmericard Travel Rewards ($0).  It also comes with an embedded EVM chip.
• BofA BankAmericard Privileges with Travel Rewards ($75, 1st year free, waived for select clients).  It also comes with an embedded EVM chip.
• Chase British Airways Visa ($95).  This was the first Chase card that came out with the foreign transaction fee waiver.  It also has an embedded EVM chip.
• Chase Fairmont Visa ($95).
• Chase Hyatt Visa ($75, 1st year free).  It also has an embedded EVM chip for foreign travel.
• Chase Ink Bold BUSINESS ($95, 1st year free).  On our Top List.
• Chase J.P. Morgan Palladium Card ($595).  It also has an embedded EVM chip for foreign travel.
• Chase J.P. Morgan Ritz-Carlton Rewards Visa ($395).  It also has an embedded EVM chip for foreign travel.
• Chase J.P. Morgan Select Visa ($95, 1st year free).  It also has an embedded EVM chip for foreign travel.
• Chase Marriott Rewards Premier Visa ($85, 1st year free).  It also has an embedded EVM chip for foreign travel.
• Chase IHG Rewards Club MasterCard ($49, 1st year free).
• Chase Sapphire Preferred ($95, 1st year free).  On our Top List.  It also has an embedded EVM chip for foreign travel.
• Chase United MP Club Visa ($395). It also has an embedded EVM chip for foreign travel.
• Chase United MP Explorer ($95, 1st year free).
• Citi Executive/AAdvantage World Elite MasterCard ($450).  It also has an embedded EVM chip for foreign travel.
• Citi Hilton HHonors Reserve Visa ($95).  It also has an embedded EVM chip for foreign travel.
• Citi ThankYou Premier ($125, 1st year free).  It also has an embedded EVM chip for foreign travel.
• Citi Prestige ($450). On our Top List.  It also has an embedded EVM chip for foreign travel.
• Discover all cards including 5% cashback Discover it.
• PenFed all cards including our Top Listers Platinum Cashback Rewards Visa ($0 annual fee) and Premium Travel Rewards Amex ($0 annual fee).  They also come with an embedded EVM chip for foreign travel.

sander9t 发表于 2014-3-29 12:16

第三弹至第五弹还没有更新，但我想先推出第六弹。

第六弹：免费附加权益

Amex PRG的行李损失险是500刀，我打电话问过了

其实这么来看，CSP+Freedom是最好的累积组合，再搭配一个Amex Plat和一张常坐的航空公司卡基本上就能覆盖大部分需要了

stash 发表于 2014-4-1 04:09

Amex PRG的行李损失险是500刀，我打电话问过了

$1250 carryon，$500托运。PRG年费挺高，但权益却不怎么样。

stash 发表于 2014-4-1 04:13

其实这么来看，CSP+Freedom是最好的累积组合，再搭配一个Amex Plat和一张常坐的航空公司卡基本上就能覆盖大 ...

如果你要UR，这个的确是一个非常好的组合。我在第四弹中会分析的其他组合，现在就等amex EDP的50%到底怎么算了。

sander9t 发表于 2014-4-1 04:34

$1250 carryon，$500托运。PRG年费挺高，但权益却不怎么样。

确实，正在考虑是否明年要升级到Plat或者换成EDP

对了，我又看了一遍EDP的网站，没说能换机票啊(https://www304.americanexpress.c ... =ctray&pmccodes=936,784&eep=25330) Section Using MR

sander9t 发表于 2014-4-1 04:36

如果你要UR，这个的确是一个非常好的组合。我在第四弹中会分析的其他组合，现在就等amex EDP的50%到底怎么 ...

我看T&C是说50% all the points you earnt this month。我想应该是所有的点数*1.5吧

如果EDP可以换机票的话，最佳的Amex搭配应该是Plat加EDP吧

stash 发表于 2014-4-1 04:54

确实，正在考虑是否明年要升级到Plat或者换成EDP

对了，我又看了一遍EDP的网站，没说能换机票啊(https:/ ...

这个写的比较tricky，你要看MR的条款，它列出一些卡比如blue，zync不能转里程，意味着其他卡都能转。

https://rewards.americanexpress. ... er=LF&mrk=&stoken=#

stash 发表于 2014-4-1 04:55

我看T&C是说50% all the points you earnt this month。我想应该是所有的点数*1.5吧

如果EDP可以换机票的 ...

你在哪里看到的？我看到的是：

Use your Card 30 or more times on purchases in a billing period and get 50% more points

on those purchases less returns and credits

.  这个说法很不明确，两种理解都可以，所以现在要等拿到卡的人来验证了。

sander9t 发表于 2014-4-1 07:38

你在哪里看到的？我看到的是：

Use your Card 30 or more times on purchases in a billing period an ...

T&C: If you make 30 or more separate purchases of goods or services in a billing period with your Amex EveryDaySM Preferred Credit Card ("Card"), you earn 50% extra Membership Rewards points on those purchases less returns and credits with a date in that billing period.

Those肯定是指包括之前的，如果只有之后的话，会用after这个词儿

sander9t 发表于 2014-4-1 04:34

$1250 carryon，$500托运。PRG年费挺高，但权益却不怎么样。

PRG卖点是3倍机票和送15000分，要是权益还高别的卡不用混了，现在送15000分的亮点被小弟EDP抢了，现在还保留PRG的估计都是公费机票党了

stash 发表于 2014-4-1 09:11

T&C: If you make 30 or more separate purchases of goods or services in a billing period with your  ...

前30个消费能得50%是没有疑问得。

现在的问题是这50%是只对基础积分有效还是对奖励积分也有效。举例：买菜消费1刀得1个基础积分，2个奖励积分，总共3个积分，50%如果只对基础积分有效的话，1刀返3.5点，如果对奖励积分也有效得话，1刀就返4.5点。

chicagowu 发表于 2014-4-1 09:29

PRG卖点是3倍机票和送15000分，要是权益还高别的卡不用混了，现在送15000分的亮点被小弟EDP抢了，现在还保 ...

这是没错。但现在问题是横向比较，PRG得权益比不上Chase那些比它便宜得卡（95刀年费一大堆）。Amex Plat得权益也仅仅是凑活，除了那个道路救援非常牛。

ywithouty 发表于 2014-4-2 07:03

求问老师个DCC的问题，是说现在VISA和MC在中国所有地方几乎肯定会遇到DCC的问题么？只有每次都告诉商家那个 ...

大部分POS应该都是新的系统了，默认DCC，但理论上cashier是可以手动更改得，他们弄不弄的出来就另外一回事了。AMEX没有DCC，但收得地方太少了。

谢谢LZ分享，期待后续

突然发现Chase官网得Sapphire Preferred年费又回到95刀了，前段时间是149刀，看来果然在试验阶段。

sander9t 发表于 2014-4-4 22:18

突然发现Chase官网得Sapphire Preferred年费又回到95刀了，前段时间是149刀，看来果然在试验阶段。

那已经申请了149刀的不素杯具了捏