美国信用卡之我见2015年版（第六弹更新8.26）

电梯

第一弹：高端卡（主贴）

第二弹：普通消费卡

第三弹：类别消费卡

第四弹：最佳双卡组合

第五弹：“抽屉卡片”

第六弹：免费附加权益

第七弹：免境外手续费

由于置顶的精华帖已经过时很久了，我其实很早就想总结一下美国信用卡。很多人知道我有个英文的网站／博客（完全没有广告和referral链接），但我在这里还是想用中文简洁的总结一下。首先声明一下，这个帖子不打算讨论signup bonus，因为这个变化太快了。如果你的消费不是很大而且很多联名信用卡都没有的话，我建议你在提高信用分数的基础上每隔半年申请若干张新卡（最好每个银行限制一张），然后你的消费基本上都在完成最低消费上面，那就不用考虑日常消费都需要用神马卡来最大化收益了。如果你消费比较大，需要几张卡来最大化收益，或者是你需要一些卡的特殊权益，那这个帖子会是非常好的讨论贴，我希望这个贴是一个互动的平台。

第一弹：高端卡（年费300刀以上）

• Amex Platinum：年费450刀，加三张Platinum Card副卡只需再加175刀。每年有200刀航空公司抵用，因此等效年费认为250刀。两大亮点：Fine Hotels & Resorts (FHR)是目前最好的由信用卡提供的奢华酒店精选，不熟悉的童鞋请看我不断更新的长贴，机场贵宾休息室包括100＋家美国国内的（DL, AS, Airspace, Centurion, Priority Pass Select）以及550＋家国际的（Priority Pass Select)，大部分都是只有持卡人本人免费（Airspace和Centurion继续允许2个免费客人）。除了200刀抵用是整个账户共享之外，副卡拥有其他所有权益包括FHR和休息室。另外高盛版本对年消费超过100K的持卡人额外奖励40K积分。
• Amex Delta Reserve: 年费450刀。三大亮点：50多家DL休息室（从5月1日起只有主卡持卡人本人免费），每年一张免费美国国内头等或经济舱同行机票，年消费超过60K额外奖励30K的MQM和普通里程。
• Chase United MP Club Card: 年费395刀。三大亮点：United Club包括50家美国国内和200+家国际休息室主卡持卡人加两位客人免费，普通消费1.5 mile/$是攒积UA里程的最高回报率，最后是Primary租车保险。
• J.P. Morgan Ritz-Carlton Card: 年费395刀。每年有300刀航空公司抵用（5/1/2014从200刀提高刀300刀），因此等效年费认为95刀。四大亮点：每年3张R-C酒店行政客房升级券，R-C或万豪金卡（首年直接赠送，以后需要年消费10K来维持），Lounge Club包括25家美国国内和330家国际休息室持卡人加一位客人免费（副卡也有报告申请拿到的），最后是Primary租车保险。
• J.P. Morgan Palladium: 年费595刀，目前置对JPM和Chase私银客户开放。四大亮点：休息室United Club包括50家美国国内和200+家国际休息室主卡持卡人加两位客人免费还有Lounge Club包括25家美国国内和330家国际休息室主卡或副卡持卡人加一位客人免费，Palladium奢华酒店精选（合约酒店数量比FHR少太多），消费回报旅行双倍积分和年消费超过100K额外奖励35K积分（攒积UR积分的最高回报率），最后是Primary租车保险。
• Citi Executive/AAdvantage WEMC: 年费450刀。两大亮点：Admirals Club包括50+家美国国内（AA, US和特定AS）和30＋家国外（Qantas等）休息室主卡持卡人加两位客人免费，年消费40K后额外奖励10K EQM。
• Citi Prestige（2014年10月19日之前）: 年费450刀，每张副卡50刀。每年有200刀航空公司抵用，因此等效年费认为250刀。四大亮点：每年一张免费国内或国际经济舱同行机票，15%机票折扣，AA的40家休息室主卡持卡人加两位客人免费（2014年3月新权益）和Airport Angel的11家美国国内和400+家国际休息室主卡或副卡持卡人本人免费，最后是潜在的巨大消费收益（普通消费最高达4%，吃饭最高达6.4%，其实15%机票折扣也可以看作变相的消费收益）。200刀抵用是整个账号共享，副卡不能进AA休息室但却享有Airport Angel以及自己的同行机票和机票折扣。另外这张卡的免费权益比如行程延误、行李丢失损坏、行李延误、价格保障等等基本上都是高端卡中最好的（至少纸面上看）。等效年费250刀却有实用的各种权益和高消费收益，加上副卡50刀也超值，让Citi的Executive/AA情何以堪啊，我们认为这张卡是当下的高端卡之王，唯一的希望是Citi不要将它贬值。
• Citi Prestige（2014年10月19日起）：年费450刀，每张副卡50刀。每年有250刀航空公司抵用，因此等效年费为200刀。三大亮点：（1）AA的40家休息室主持卡人加两位客人免费和Priority Pass Select包括AS等国内和国际共近600家休息室主卡或副卡持卡人外加两位客人免费；（2）酒店权益包括新的第四晚免费；（3）在众多高端卡中仍然有最好的消费收益（航空／酒店／旅行代理包括各种旅行网站三倍积分，吃饭／娱乐双倍积分，普通消费单倍积分，另外citigold有15%年度奖励，而私银用户有25%年度奖励）。虽然我认为比旧卡对大多数人来说是贬值了，在高端卡中仍然是翘楚。
• Diners Club Card Elite：年费300刀，每张副卡150刀。三大亮点：独特的3-1消费收益（无上限买菜／加油／药店三倍积分），Diners Club自己的休息室计划包括美国国内18家全球500多家机场休息室主卡或副卡持卡人本人免费，primary租车保险。
• CNB Crystal Visa Infinite：美国的第一张Visa Infinite卡，年费400刀首年免费。每年有250刀航空公司抵用，因此等效年费为150刀。四大亮点：（1） Priority Pass Select国内外共近600家休息室持卡人（主卡或副卡，最多两个membership）外加客人免费（目前不清楚是一位还是两位）；（2）免费的CLEAR会员，美国某些机场快速安检通道；（3）酒店权益为Visa Infinite Hotel Collection覆盖范围和普通的Visa Signature相同，但权益上有类似FHR的100刀餐饮／水疗／消费券因此可能非常给力，另外罗兰夏朵酒店欢迎礼品和早餐；（4）美国国内经济舱同行机票100刀折扣，可以使用无数次。
• Visa Black Card by Barclays：年费495刀，每张副卡195刀。三大亮点：Lounge Club包括25家美国国内和330家国际休息室主卡或副卡持卡人加两位客人免费，Black Card VIP Hotel and Travel权益（Ensemble, Mandarin Oriental, Villas of Destination三部分）全球3000多家酒店或别墅，2%等价返现（兑换机票）。

最后总结一下几个主要权益：

• 机场休息室：自从今年Amex Platinum失掉AA/US后，如果你需要美国国内休息室的话选择将是非常有限的，DL常客还是Amex Platinum比较好，当然如果你很需要DL的MQM可以考虑Delta Reserve，AA/AS常客应该选择新版Citi Prestige比较好，只有当你对EQM有需求才考虑Citi Executive/AA，UA常客选Chase MP Club是相当不错的，当然如果你能拿到JPM Palladium的话更好。
• 奢华酒店：Amex Platinum仍然是最好的，Visa Black Card和CNB Crystal的也算比较给力，如果你常R-C和万豪但住不够金卡或需要RC酒廊的话JPM Ritz-Carlton卡也是非常棒的。
• 消费收益：新版Citi Prestige虽然贬值了但仍然是高端卡中的翘楚。Diners Club Elite的无上限加油／买菜／药店三倍积分也很厉害。高盛版的Amex Platinum年消费超过100K后收益是1.4 point/$。Delta Reserve年消费60K收益是1.5 mile/$。MP Club Card收益无论年消费水平都是1.5 mile/$。JPM Palladium年消费超过100K后收益是1.35 point/$。Visa Black则是简单的2%等价返现。
• 精英会籍里程：Delta Reserve年消费60K后送30K MQM。Citi Executive/AA年消费40K后送10K EQM。

英文原版比较详细供参考：

In this featured review, we will compare some of most popular high-end cards in the market, which carry annual fees between $400 and $600.  If you want to know about the super exclusive "black card", read our Amex Centurion review.  All the following cards come with dazzlingly long lists of benefits such as airport lounge access, luxury hotel privileges, 24/7 concierge service, global assistance, by invitation only events, and some offer airline companion pass, elite hotel status, cruise privileges, etc.  However, here we want to get down to the core perks of each product to make the comparison simple for most readers.

• Amex Platinum Card: annual fee is $450 and $175 for up to three additional Platinum Card users.  The card used to dominate this niche market, and over the years we have seen the benefits diluted mostly due to changes in the airline industry which were out of Amex's control.  Even after the 2014 changes (American Airlines and US Airways left the lounge program in March 2014, and Delta stopped allowing free access for guests starting May 2014), it is still considered our benchmark.  Since the card comes with the annual $200 airline incidental credit, the effective annual fee is considered to be $250.  For that money, Amex offers two major perks: Fine Hotels & Resorts (FHR) which is arguably the best luxury hotel program provided by a credit card, and access to 100+ domestic lounges (Delta, Alaska, Airspace, Centurion, Priority Pass Select) and 550+ international lounges (Priority Pass Select), mostly for yourself only.  Note that for an extra $175/year, you can have up to three additional Platinum Card users and each will have airport lounge access and FHR benefits.  If you spend more than $100K a year, try to get the Goldman Sachs version which, in addition to all standard Platinum features, offers a 40KMembership Rewards points booster.
• Amex Delta Reserve: annual fee is $450.  Its three major perks are 1) access to 50+ Delta Sky Clubs for the primary cardholder only, 2) an annual domestic coach/first class companion pass, and 3) a 30K Delta Medallion Qualifying Miles (MQMs) bonus after $60K spending.  It makes sense when you make use of the last two perks; otherwise you would be better off with Amex Platinum.
• Chase United MP Club: annual fee is $395.  The three major perks are 1) the full United Club membership allowing access to 50+ domestic lounges and 200+ international lounges for the primary cardholder plus two guests, 2) the highest earning rate for United miles at 1.5 mile per dollar spent, and 3) primary rental car insurance.
• J.P. Morgan Ritz-Carlton: annual fee is $395 but with the annual $300 airline incidental credit, it is considered to be $95.  The Ritz-Carlton Card has four major perks: 1) three club level upgrades at Ritz-Carlton each year, 2) complimentary Ritz-Carlton & Marriott Gold status for the 1st year and after $10K annual spending thereafter, 3) primary rental car insurance, and 4) access to 25 domestic lounges and 330+ international lounges for you (primary cardholder and authorized users) plus one guest through Lounge Club.
• J.P. Morgan Palladium: annual fee is $595 and $99 for each authorized user, but this card is only available to J.P. Morgan Private Bank or Chase Private Client customers.  Its exclusivity and premium image makes it harder for us to compare with other cards with similar annual fees.  However, we still list it here just for the sake of comparison.  The major perks are 1) full United Club membership allowing access to 50+ domestic lounges and 200+ international lounges for the primary cardholder plus two guests, 2) Lounge Club membership allowing access to 25 domestic lounges and 330+ international lounges for you plus one guest (an authorized user also receives Lounge Club membership), 3) Palladium Hotels program which is similar to Amex FHR but has much smaller footprints, 4) primary rental car insurance, and 5) 2x points on travel an annual 35K points booster after you spend $100K - 1.35 point per dollar spent is the highest earning rate forUltimate Rewards points.  The last one makes Palladium a great card to charge daily if your annual spending exceeds $100K.
• Citi Executive/AAdvantage WEMC: annual fee is $450.  The two major perks are the full Admirals Club membership allowing access to 50+ domestic lounges (American, select Alaska) and 30+ international lounges (Qantas etc.) for the primary cardholder plus two guests, and an annual 10K Elite Qualifying Miles bonus after $40K spending.
• Citi Prestige WEMC: annual fee is $450 and $50 for each authorized user but with the annual $250 airline credit, it is considered to be$200.  It offers three major perks: 1) access to 40 American Admirals Clubs for the primary cardholder plus two guests and 20+ domestic lounges (including Alaska) and 550+ international lounges through Priority Pass Select for you (primary cardholder or authorized user) plus two guests; 2) hotel privileges including 4th night free at any hotel at your choice through International Complimentary Night Hotels & Resorts (ICNHR) program; 3) a 3-2-1 ThankYouearning structure with a potential 15%-25% annual relationship bonus.  The late 2014 change of Citi Prestige is considered as devaluation for most consumers; however, when compared to other high-end cards, it still shines in both lounge access and points earning.
• Diners Club Card Elite: annual fee is $300 and $150 for each additional card.  Its three major perks are 1) the unique 3-1 Club Rewardsearning structure (unlimited 3x on groceries, gas and drugstores), 2) access to 18 domestic lounges and over 500 international lounges for the primary and additional card members through Diners Club's airport lounge program, and 3) primary rental car insurance.
• CNB Crystal Visa Infinite: annual fee is $0 for the first year and $400 thereafter.  The annual fee is considered $150 for the second and subsequent years after using the $250 annual airline credit.  With that, you receive four major perks: (1) Priority Pass Select membership(s) with unlimited access to 600+ airport lounges for you (primary cardholder and up to one authorized user) and your guests, (2) a free CLEAR membership for quicker security at select airports, (3) hotel privileges through Visa Infinite Luxury Hotel Collection and at Relais & Chateaux, and (4) $100 companion discount per trip for domestic coach class airfare.
• Visa Black Card by Barclays: annual fee is $495 and $195 for each authorized user.  It offers three major perks: 1) Lounge Club membership with unlimited access to 350 airport lounges worldwide for you plus two guests, 2) Black Card VIP Hotel & Travel program through Ensemble Hotel and Resort Collection, Mandarin Oriental, and Villas of Destination, which gives you booking benefits at over 3,000 luxury hotels and villas worldwide, and 3) 2% cash equivalent travel rewards for all expenses.

The bottom line is that each of these products targets a certain group of consumers and can be of great value even with the seemingly hefty annual fees.  Finally, let's summarize our comparison based on the four most sought out perks:

• Airport Lounge Access: while they all have some coverage of airport lounges when it comes to international travel, for domestic airport lounge access in U.S. which is harder to obtain through premium cabin travel or elite status, a frequent flyer of a particular airline has very limited choice.  If you are a Delta flyer, you can't beat the value and perks of Amex Platinum.  If you need Delta MQMs in addition to Sky Clubs, Amex Delta Reserve is worth checking out.  For American and Alaska flyers, Citi Prestige will be the best choice.  If you need American EQMs, Executive/AA will be your sole option.  For United flyers, United MP Club Card is a solid option while JPM Palladium is probably the card you will get if you qualify due to its exclusivity and enhanced features.
• Luxury Hotel Privileges: All cards come with some sorts of luxury hotel benefits, but you have to look into details to decide which suit your need.  If you frequent luxury hotels, Amex Platinum has long been considered the best bet due to FHR's wide coverage of over 750 luxury hotels and resorts worldwide, consistent benefits, and various promotions.  Visa Black Card VIP program, via Ensemble Hotel and Resort Collection, Mandarin Oriental, and Villas of Destinations, is a great alternative to Amex Platinum's offering.  Crystal's Visa Infinite Hotel Collection is also worth considering, due to the enhanced benefits over regular Visa Signature cards.  Palladium's hotel collection is similar to these three programs in benefits but only covers a little more than 100 hotels.  If you frequent Ritz-Carlton and Marriott, you will certainly like what JPM Ritz-Carlton Card offers.  Finally, you may still get some good value out of Visa Signature Luxury Hotel Collection (via United MP Club, JPM Palladium, or JPM Ritz-Carlton),   World Elite Luxury Hotels & Resorts (via Executive/AA, Citi Prestige, or Diners Club Elite), and Citi Prestige ICNHR's 4th night free.
• Rewards: Citi Prestige's 3-2-1 earning structure with great flexibility in redemption (1.6 cents per point when redeeming for American flights or transfer to 10 partners including Singapore, Cathay Pacific, Malaysia) still make it the benchmark among the high-end cards when it comes to rewards.  Diners Club Elite offers 3 points per dollar spent on groceries, gas, and drugstores and Club Rewards points can be transferred to 20+ partners programs including Alaska, Southwest, Delta, British, Air Canada, Singapore, and Korean Air.  United MP Club Card returns 1.5 miles per dollar spent and is extremely attractive when you are collecting United miles.  When you spend at least $60K a year, Delta Reserve returns 1.5 miles per dollar spent but Delta miles are generally not as valuable as many other airline miles.  When you spend over $100K a year, Goldman Sachs version of Amex Platinum returns 1.4 points per dollar spent and Membership Rewards points can be transferred to 20+ partner programs including Delta, British, Air Canada, ANA, Singapore, etc.  Also with an annual spending over $100K, JPM Palladium returns 1.35 points per dollar spent and Ultimate Rewards points can be transferred to 11 partners including United, Singapore, British, Korean, Southwest, and Hyatt.  Visa Black Card returns fixed value 2% cash equivalent travel rewards for all purchases.
• Reach Elite Status Faster: while several cards come with some elite like perks such as priority boarding and waived baggage fees, only two cards offer a way to reach the next level of elite status faster through spending.  Delta Reserve's 30K MQMs bonus after $60K spending could be huge to a Delta flyer.  Citi Executive/AA's 10K EQMs bonus after $40K may seem not much, but American EQMs are extremely hard to come by thus it may still make sense to some.

第二弹：普通消费卡

这里讨论的是非bonus类别的普通消费卡。前几张卡的积分是不能转航空公司里程的，所以可以当作返现来看。

• FIA Fidelity Amex: 年费无，无限制2%返现。这张神卡在这几年大风大浪中屹立不倒，一直是我们的标杆。很多人还以为这卡难开，其实只要开一个Fidelity投资账号就行了，不需要投资。注意要实现2%返现要把卡的积分联到投资账号里面。另外还曾经可以把积分转成AC里程（这个贬值好几次了，但双倍里程还是挺强的，这个选项于2013年1月结束了）。
• Citi Double Cash：2014年8月推出的新卡，无年费，所有消费1%返现，当你付账又加1%，所以如果你每个账单都付清的话就是无上限的2%返现，这点和Fidelity Amex可以媲美，而且是MC／Visa，所以接受程度更高，另外一点是不需要像Fidelity那样开投资账号。我们认为各方面Citi都略胜Fidelity一筹，但是唯一不确定的因素是Citi到底能让这张卡活多久，在这方面Citi的名声可不大好。
• Barclays Arrival Plus WEMC：年费89刀首年免费，双倍积分，如果兑换旅行消费则1积分＝1.11美分，也就是最高回报率为2.22%。从第二年开始一年大概要花40500刀可以超过Fidelity Amex或Citi Double Cash的回报。
• Capital One Ventura Visa和Spark Cash/Miles Business：放在一起因为本质一样，只不过前者是个人卡后者是商务卡。年费59刀首年免费。双倍积分＝2%返现。

接下来这几张卡是可以转航空公司里程的，不是很懂的童鞋建议看看我的featured review: SPG vs. MR vs. UR vs. TY vs. CR科普一下。

• Amex SPG：有个人卡和商务卡两个版本。从2015年8月起年费95刀首年免费，SPG酒店双倍积分，普通消费单倍积分。不用说，这张神卡也是屹立不倒的另一个标杆，虽然年费从30刀涨过三次了，但仍然很受欢迎。1 SPG积分＝1里程，但20K积分＝25K里程，合作伙伴有AA/AS/BA/AC/DL/KE/OZ/NH/SQ等30家（注意换UA不划算因为2 SPG＝1 UA）, 目前个人对SPG积分的估值为2.25分因此等价返现为2.25%（请注意这个帖子里通篇都是我个人的估值，很可能和你自己的估值不一样！）。
• Chase Sapphire Preferred：就是平时大家说的蓝宝石卡，卡片含金属故比一般卡重，不要和那个无年费的Sapphire搞混。年费95刀首年免费。通过Chase的机票消费三倍积分（至2015年12月结束），其他旅行和吃饭双倍积分，普通消费单倍积分，通过Chase的购物portal还有额外1倍至30倍的奖励积分（Amex的MR购物portal已经关闭了），而且每年有7%的额外积分奖励（至2015年12月结束），从2014年7月起租车保险变成Primary。1 UR积分＝1里程，合作伙伴有UA/BA/KE/WN/SQ/Hyatt等11家，个人对UR积分的估值为1.5分，因此等价返现1.6%。另外这张卡年费相对高端卡是很低的，但是免费的权益却非常好，很多权益甚至比高端卡还好。这张卡是Chase这几年来入侵Amex市场的最重要也是最成功的一个产品。
• Amex EveryDay Preferred：2014年4月推出的新神卡，Amex终于吹响了反击的号角？Amex还有一个无年费的EveryDay，但是大多数童鞋相信都会选这张年费95刀的EveryDay Preferred (EDP)。每年6K之内的超市消费三倍积分，加油双倍积分，普通消费单倍积分，而且如果每个月刷卡30次以上还有50%的额外奖励积分，50%对基础积分和类别奖励积分都有效。1 MR积分＝1里程，但不时有奖励活动，合作伙伴有DL/BA/AC/NH/SQ等20多家， 个人对MR的估值为1.5分，因此普通消费等价返现2.25%。
• Amex Premier Rewards Gold：曾经的神卡但自从EDP出现后便显得暗淡了许多，2015年6月重大改进后重新出击！年费195刀首年免费，但有年度100刀航空公司报销，因而等价年费也为95刀。机票三倍积分，超市／加油／吃饭双倍积分，普通消费单倍积分。和EDP一样积累MR积分，普通消费等价返现1.5%。
• 一楼提到的新版Citi Prestige在2014年7月突然变成里程卡，机票／酒店／旅行代理三倍积分，吃饭和娱乐双倍积分，普通消费单倍积分，citigold和私银用户还有额外15%和25%年度奖励。1TY积分＝1里程，合作伙伴有SQ/CX/AF/EY等10家，另外AA虽然不能转里程，但可以直接兑换机票仍然按照每积分1.6美分来计算，因此我个人目前对Prestige的TY的估值仍然为1.6分，因此普通消费等价返现为1.6～2%。
• Citi ThankYou Premier在2015年4月做了调整，年费下降至95刀，旅行和加油三倍积分，吃饭和娱乐双倍积分，普通消费单倍积分，奖励类别通常情况下反而比Citi Prestige更加给力（旅行覆盖范围更大，加油也是Prestige所没有的，但没有年度奖励。1TY积分＝1里程，但并没有Prestige的兑换AA机票1.6美分的选项，只有通过Citi买机票1.33美分的兑换选项，我们对Premier的TY积分估值为1.4分，因此普通消费等价返现1.4%。
• 一楼提到的Diners Club Card Elite从2014年9月开始接受新个人用户，非常有意思的一张里程卡，无上限的超市／加油／药店三倍积分，普通消费单倍积分。1CR积分＝1里程（酒店积分略有不同），合作伙伴有AS/AC/BA/DL/WN等22家，而且不时也有奖励活动，个人对CR的估值为1.8分，等价返现1.8%。
• 一楼提到的其他几张卡也是很好的普通消费卡：JPM Palladium年消费100K是1.35倍UR积分（等价返现2.03%），高盛版Amex Platinum年消费100K是1.4倍MR积分（等价返现2.1%），United MP Club任何消费都是1.5倍UA里程（等价返现2.25%）。

第三弹：类别奖励消费卡

这里简单概述一下奖励类别（Bonus Category)消费，根据奖励类别分类，推荐各自最好的卡片。

• 加油：PenFed Platinum Cashback Visa无消费上限的返现5%（年费0）。Synchrony Bank Sam's Club MasterCard年消费上限6K之前5%（年费0，但要有Sam's会员，另有旅行和吃饭3%）。Amex Mercedes-Benz Credit Card无上限3倍MR积分，请参照第二弹中我的个人估值等价返现4.5%（年费95刀，另有吃饭双倍积分）。Amex EveryDay Preferred无上限双倍积分，如果一个月完成30个消费还有50%奖励，因此相当于三倍积分，等价返现4.5%（年费95刀，另有买菜三倍积分）。Amex PR Gold无上限双倍积分，等价返现3%（年费195刀，另有100刀航空报销，还有机票三倍积分，吃饭买菜双倍积分）。Citi ThankYou Premier无上限三倍积分，等价返现4.2%（年费95刀，另有旅行三倍积分，吃饭娱乐双倍积分）。Diners Club Elite无上限三倍CR积分，等价返现5.4%（年费300刀，另有买菜和药店三倍积分）。
• 买菜（grocery stores or supermarket): Amex Blue Cash Preferred返现6%，但消费上限一年6000刀（年费75刀，另有加油和百货商店3%返现）。Amex EveryDay Preferred三倍积分，消费上限也是一年6000刀，如果一个月完成30个消费还有50%奖励，因此相当于4.5倍积分，等价返现6.8%（年费95刀，另有加油双倍积分）。Amex PR Gold无上限双倍积分，等价返现3%（年费195刀，另有100刀航空报销，还有机票三倍积分，吃饭加油双倍积分）。Diners Club Elite无上限三倍积分，这个无上限很厉害，等价返现5.4%（年费300刀，另有加油和药店三倍积分）。
• 吃饭： 可惜旧版Citi Forward已死有事烧纸（无上限5%返现，年费0，另有娱乐和书店包括Amazon.com也是5%），而且和Citi Prestige配合等价返现8%，如果你还有grandfathered in的就**吧。新版Citi Prestige无上限双倍积分，除了吃饭还增加了娱乐，等价返现至少3.2%最高4%（年费450刀，但等价年费200刀，有三大亮点见顶楼）。Citi ThankYou Premier无上限双倍积分，除了吃饭还增加了娱乐，等价返现2.8%（年费95刀，另有旅行加油三倍积分）。Chase Sapphire Preferred无上限双倍UR积分，另外每年7%积分奖励，相当于2.14倍积分，等价返现3.2%，另外从去年开始每个月第一个周五有三倍积分（年费95刀，另有机票三倍积分和其他旅行双倍积分）。Amex PR Gold无上限双倍积分，等价返现3%（年费195刀，另有100刀航空报销，还有机票三倍积分，加油买菜双倍积分）。
• 药店（drugstores）：Diners Club Elite无上限三倍积分，等价返现5.4%（年费300刀，另有加油和买菜三倍积分）。
• 机票：PenFed Travel Rewards Amex无上限5%返现（年费0）。Amex PR Gold无上限三倍积分，等效返现4.5%（年费195刀，另有航空报销100刀，加油买菜吃饭双倍积分）。Chase Sapphire Preferred必须通过Chase订机票无上限三倍积分，另外每年7%积分奖励，相当于3.21倍积分，等价返现4.8%（年费95刀，另有其他旅行和吃饭双倍积分）。新版Citi Prestige无上限三倍积分，等价返现至少4.8%（另外酒店和旅行代理也是三倍，吃饭娱乐是双倍）。 Citi ThankYou Premier无上限三倍积分，等价返现4.2%（年费95刀，另有加油三倍积分，吃饭娱乐双倍积分）。
• 除机票外的其他旅行：Chase Sapphire Preferred无上限双倍积分，等价返现3.2%（年费95刀，另有机票三倍积分和吃饭双倍积分）。新版Citi Prestige无上限三倍，因为涵盖了机票，酒店和旅行代理，基本涵盖了大部分旅行类别，等价返现至少4.8%（另外吃饭娱乐是双倍）。Citi ThankYou Premier无上限三倍积分，等价返现4.2%（年费95刀，另有加油三倍积分，吃饭娱乐双倍积分）。
• 零售网站／旅行网站／AT&T：Citi AT&T Access More无上限三倍积分（年费95刀，如果每年消费10K刀还可以得到10K TYP），如果只有这张卡等价返现3%，但如果同时有ThankYou Premier或Citi Prestige，等价返现为4.2～4.8%。
• 办公用品／手机／电话／网络／电视：Ink Bold/Plus Business Card五倍积分，消费上限每年50K刀，等价返现7.5%（年费95刀，另有加油和酒店双倍积分）。
• 季度滚动消费：Chase Freedom返现5％，消费上限每季度1500刀，另外如果你有premium的UR卡可以把积分合并，等价返现7.5%（年费0）。类似的卡还有Discover it和Citi Dividend都是5%返现，大家可以根据自己情况和每年公布的消费类别来决定。
• 用户选择类别：US Bank Cash+ Visa允许用户选择两个类别（从US Bank提供的十几种类别中）5%返现，消费上限每季度2000刀（年费0）。

第四弹：最佳双卡组合

我知道很多人钱包里不只两张卡，如果为了最大化羊毛收益理论上应该有N张卡，但是并不是每个人都能做到记住什么类别应该用什么卡，而双卡组合是大部分人能够handle的，所以这弹中会讨论最好的双卡（个人卡）组合。

• 最好的返现双卡是FIA Fidelity Amex或Citi Double Cash或Barclays Arrival Plus ＋ 一张类别奖励返现卡：第二弹中提过这三张非常好的普通消费返现卡，如果搭配一张类别奖励返现卡会更加强大。根据你自己的需要来计算哪个类别给你带来最大的收益。参考第三弹中的类别。加油无疑是PenFed Platinum Cashback Visa无上限5%。买菜Amex Blue Cash Preferred返现6%，消费上限每年6000刀，年费75刀，如果刷满上限一年比2%的Fidelity Amex能带来6000*4%-75=165刀的收益。吃饭娱乐亚马逊，grandfathered in Citi Forward的童鞋就**吧，无上限5%返现，目前不再接受新申请。机票PenFed Travel Rewards Amex无上限5%返现。季度滚动类别考虑Chase Forward/Discover it/Citi Dividend返现5%，年度上限都是6000刀，因此刷满一年比2%多出6000*3%=180刀的收益。用户选择类别，US Bank Cash+ Visa返现5%，季度上限2000刀，因此刷满一年比2%多出2000*4*3%＝240刀的收益。
• 下面几个双卡组合是积分能转成里程或酒店积分的。
• Amex SPG + Chase Sapphire Preferred（CSP）或Amex EveryDay Preferred（EDP）或Amex Premier Rewards Gold (PRG）或Citi ThankYou Premier或Citi Prestige：请参考第二弹和第三弹中的分析。推荐选择SPG作为普通消费卡，因为SPG目前的合作伙伴最强大，而且转里程只要20K为单位就是1:1.25，等价返现2.25%。类别消费则可以从这五张卡中来选择：CSP通过UR机票三倍积分，其他旅行和吃饭双倍积分，通过UR Mall网购数倍积分；新版Prestige机票酒店旅行代理三倍积分，吃饭娱乐双倍积分，从类别来看Prestige和CSP略有不同但总体来说比较相似；新版TY Premeir更加给力，所有旅行和加油三倍积分，吃饭娱乐双倍积分；EDP非常强大，只要每月消费30笔，买菜一年6K以下是4.5倍积分，加油无上限三倍积分，普通消费也有1.5倍（等价返现2.25%，和SPG相同，但是出于合作伙伴考虑我们还是比较推荐SPG）；PRG也很牛，因为覆盖了四个类别，机票三倍积分，吃饭买菜加油双倍积分。最后虽然我们推荐SPG作为普通消费卡，但CSP和Prestige的免费附加权益比SPG好很多（详见第六弹），旅行相关本来就会刷CSP或Prestige－旅行事故保险、旅行延误、行李损坏和丢失、行李延误等都很赞，另外价格保障也是CSP或Prestige有而SPG没有，所以买电子产品之类价格容易波动的还是选CSP或Prestige。
• 如果你不需要或不想攒SPG积分，那么可以考虑这个非常牛的双卡：第一张卡EDP，第二张卡CSP或TY Premier或Prestige，这样一来普通消费两张卡都可以，合作伙伴也增多了，可以根据个人情况选择，而类别消费两张卡又正好非常互补，可以覆盖机票／其他旅行／吃饭／加油／买菜这五个最强大的消费类别，非常有吸引力。
• Chase Sapphire Preferred + Chase Freedom: 因为CSP的普通消费也很棒，如果想要集中注意力在UR这个计划的话，这个组合是无敌的，因为Freedom的五倍积分可以转到CSP账号从而变成可以转里程，因此如第三弹中所述等价返现为8%。
• Citi AT&T Access More + Citi ThankYou Premier或Citi Prestige：如果想集中注意力在TY这个计划的话，可以考虑这个无敌组合，因为AT&T的三倍积分变成可以转里程或1.6分AA机票（后者仅限于Prestige），等价返现为4.2-4.8%，虽然旅行网站基本是重复的，但单单这个零售网站的类别就可以吓死人。

第五弹 “抽屉卡片”（不刷也值得交年费的卡片）

这里推荐10张就算不刷也值得交年费的卡片，其中大部分都不需要带身上，是所谓的“抽屉卡”。

• Amex Express Platinum Card (450刀）：考虑每年200刀航空公司抵用后的等效年费为250刀。两大亮点：Fine Hotels & Resorts (FHR)是目前最好的由信用卡提供的奢华酒店精选，机场贵宾休息室包括100＋家美国国内的（DL, AS, Airspace, Centurion, Priority Pass Select）以及550＋家国际的（Priority Pass Select)，大部分都是只有持卡人本人免费（只有Airspace和Centurion继续允许2个免费客人）。不推荐消费的原因是每刀只返1MR积分，可以考虑其他攒积MR积分的好卡比如Amex EveryDay Preferred。抽屉卡？Yes，除非你需要进DL，Airspace，Centurion休息室。
• BofA Alaksa Airlines Visa (75刀)：亮点是每年一张同行机票，可以用99刀带一个同伴飞AS自己的任何航班的经济舱，目前这是最好的由信用卡提供的同行机票，因为可以飞夏威夷和阿拉斯加。不推荐消费的原因是普通消费每刀返1AS里程（我个人估值1.8分），推荐Amex SPG有30多家伙伴并且每刀最多返1.25里程。抽屉卡？Yes，除非你有很多AS消费可以攒三倍里程。
• JPM Ritz-Carlton Visa (395刀)：考虑每年300刀航空公司抵用后的等效年费仅为95刀。四大亮点：每年3张R-C酒店行政客房升级券，R-C或万豪金卡（首年直接赠送，以后需要年消费10K来维持），Lounge Club包括25家美国国内和330家国际休息室持卡人加一位客人免费（副卡也有报告申请拿到的），Primary租车保险。不推荐消费的原因是普通消费每刀返1丽思万豪积分（个人估值0.65分），就算丽思万豪五倍积分也只有3.25%，建议考虑Chase Sapphire Preferred（CSP）之类。抽屉卡？Yes，除非你正在为了第二年之后的万豪金卡消费中，或是你要租车。
• Chase IHG Rewards Club MC (49刀，首年免费): 两大亮点是直接送IHG白金（虽然没有SPG/Hyatt/Hilton/Marriott的精英会员好，但有时还是不错的）和每年一晚任何IHG酒店免房（非常给力）。不推荐消费的原因是普通消费每刀返1个IHG积分（个人估值0.5分），就算IHG五倍积分也只有2.5%，建议考虑CSP之类。抽屉卡？Yes！
• Chase Marriott Rewards Premier Visa (85刀，首年免费): 两大亮点是每年一晚Cat 1-5免房（现在最高级别已经是Cat 9了，但免房价值还是有的）和精英会员15晚credit。不推荐消费的原因是普通消费每刀返1丽思万豪积分（个人估值0.65分），就算万豪五倍积分也只有3.25%，建议考虑CSP之类。抽屉卡？Yes!
• Chase Hyatt Visa (75刀，首年免费):  亮点是每年一晚Cat 1-4免房（现在最高级别已经是Cat 7了，但免房价值还是有的）。不推荐消费的原因是普通消费每刀返1凯悦积分（个人估值1.2分），就算三倍凯悦酒店也只有3.6%，建议考虑CSP之类。抽屉卡？Yes！
• Chase Fairmont Visa (95刀，首年免费): 三大亮点是直接送费尔蒙Premier（一张套房升级券，一张房间升级券，一张第三晚免费券，两张25刀餐饮水疗券，轻松值回年费），Lounge Club标准级别会员（每次27刀）外加两次免费入场券，如果年消费超过12K送一晚免房（非常给力）。不推荐消费的原因是普通消费每刀返1积分（个人估值1分），建议考虑Citi Prestige之类的。抽屉卡？Yes，除非你正在为一晚免房消费中。
• Citi Hilton HHonors Reserve Visa (95刀): 两大亮点是直接希尔顿金卡（非常给力，轻松赚回年费，和万豪金卡并称目前最好的酒店中级精英级别）和年消费超过10K送一晚任意希尔顿旗下酒店周末免房（周五至周日，非常给力，尤其在希尔顿积分贬值后）。不推荐消费的原因是普通消费每刀返3希尔顿积分（个人估值0.4分，因此等价返现1.2%）。抽屉卡？Yes，除非你正在为了一晚周末免房消费中。
• Citi Prestige (450刀): 考虑每年250刀航空公司抵用之后等价年费为200刀。三大亮点是40家AA休息室（主卡持卡人加两位客人）和Priority Pass Select无限制次数会员（主卡或副卡持卡人加两位客人），无限制次数全球酒店第四晚免费，强大的3-2-1消费返点加15%－25%用户关系奖励。见第二至第四弹，我们其实是非常推荐用这张卡消费的，当然就算不消费光休息室权益也很容易值回200刀。抽屉卡？基本上不是。
• US Bank Club Carlson Premier Visa (75刀): 三大亮点是每年交年费就送40K积分（个人估值0.25分，付了年费还剩25刀），直接送卡尔森金卡（虽然不如万豪或希尔顿金卡给力，但有时也不错），如果每年消费10K送一晚人意卡尔森旗下酒店免房。因为这卡普通消费每刀返5卡尔森积分，等价返现为1.25%。抽屉卡？Yes，除非你在为了免房刷10K。

英文版也贴在这里：

In this review, we will cover some credit cards that we think worth paying annual fees without ever making a purchase with them.  For most of them, you don't even need to carry them in your wallet but rather putting them in drawers collecting dust.  The idea is that even though these cards may not be great in rewards compared to our favorites, they offer special perks that value much more than the annual fees you are paying.

American Express Platinum Card ($450)

• Benefits in a nutshell: The effective annual fee after considering the $200 annual airline credit is actually $250.  With that you enjoy complimentary access to 100+ domestic airport lounges (Delta, Alaska, Airspace, Centurion, Priority Pass Select) and 550+ international lounges (through Priority Pass Select) and VIP amenities (such as breakfasts, upgrades, late check-out, and $100 food and beverage credit per stay, etc.) at over 700 luxurious hotels worldwide through Fine Hotels and Resorts (FHR), which is arguably the best luxury hotel booking program provided by a credit card.
• Why not putting spending on the card?  It only returns one Membership Rewards point per dollar spent, not exactly exciting, and you will have much better deal with Amex EveryDay Preferred which returns 1.5~4.5 Membership Rewards points when you have at least 30 transactions per month.
• In the drawer?  Yes, unless you need to enter Delta, Airspace and Centurion lounges.  You will receive a separate Priority Pass Select membership card to access other lounges.  You can book FHR hotels in your Amex online account or by calling Platinum Travel Service, and you can charge the hotel expenses to any Amex cards such as the aforementioned EveryDay Preferred or one of our favorite miles/points cards Amex SPG.

Bank of America Alaska Airlines Visa ($75)

• Benefits in a nutshell: You receive an annual economy class companion certificate for you to take a companion at only $99 on any Alaska flight including those to/from Hawaii and Alaska.  This companion certificate is the best among those offered by credit cards since most others are limited within contiguous U.S.  Obviously, when used wisely, this alone can save you hundreds of dollars.
• Why not putting spending on the card?  It returns one Alaska mile per dollar spent for general purchases (and 3x on Alaska), and even though these miles are very valuable we think you can do better with Amex SPG whose points can be transferred into 30 partner programs including Alaska at 1:1.25 ratio when transferred in bulks of 20K.
• In the drawer? Yes.

Chase JPM Ritz-Carlton Visa ($395)

• Benefits in a nutshell: The effective annual fee after considering the annual $300 airline credit is only $95.  The four major perks come with that are: 1) three club level upgrades at Ritz-Carlton each year, 2) complimentary Ritz-Carlton & Marriott Gold status for the first year and after $10K annual spending thereafter, 3) access to 25 domestic lounges and 330+ international lounges for you plus one guest throughLounge Club, and 4) primary rental car collision coverage.
• Why not putting spending on the card?  It returns one Ritz-Carlton/Marriott Rewards point per dollar spent for general purchases (and 2x on airfare, car rental and dining, and 5x on Ritz-Carlton & Marriott), and these points are generally considered less than one cent a piece (our current valuation is 0.65).  You would be better off using a 2% cashback card such as Citi Double Cashor a miles/points card with bonus categories such as Chase Sapphire Preferred.  However, if you want to maintain Gold status after the first year, you need to spend at least $10K, and if you want to activate the primary rental car collision coverage you need to charge the entire car rental purchase to the card.
• In the drawer?  Yes, unless you are working on maintaining Gold status or you are renting a car.  Club upgrades and Gold status will be linked to your Ritz-Carlton/Marriott Rewards account and you will receive a separate Lounge Club membership card for airport lounge access.

Chase IHG Rewards Club MasterCard ($49, waived for 1st year)

• Benefits in a nutshell: You receive an annual free night at any IHG hotels, which may be redeemed at their top of line hotels such as InterContinental Bora Bora Resort & Thalasso Spa.  On top of that, you are also granted IHG's top tier elite status Platinum as long as you have the card; this status doesn't have great published benefits (so not as great as SPG Platinum, Hyatt Diamond, Hilton Diamond, or Marriott Platinum) but it some parts of the world (such as Asia) it can still be very valuable.
• Why not putting spending on the card?  It returns one IHG Rewards point per dollar spent for general purchases (and 2x on gas, groceries and dining, and 5x IHG hotel purchases), and these points are generally considered less than one cent a piece (our current valuation is 0.5).
• In the drawer?  Yes.

Chase Marriott Rewards Premier Visa ($85, waived for 1st year)

• Benefits in a nutshell: Your receive an annual free night at any Category 1-5 Marriott brand hotels worldwide.  Currently Marriott has nine categories and this certificate is mostly good toward mid-range hotels; however, in some parts of the world, you can still find very nice hotels in these categories.  In addition, you also receive 15 nights credit each year toward elite status, which can be valuable to Marriott frequent guests.
• Why not putting spending on the card?  It returns one Marriott point per dollar spent (and 2x on airfare, car rental and dining, and 5x Marriott), and Marriott points are generally considered less than one cent a piece (our current valuation is 0.65).
• In the drawer?  Yes.

Chase Hyatt Visa ($75, waived for 1st year)

• Benefits in a nutshell: You receive an annual free night at any Category 1-4 Hyatt brand hotels worldwide.  Currently Hyatt has seven categories and this certificate is mostly good toward mid-range hotels; however, just like with Marriott, you may still find very nice hotels in these categories.
• Why not putting spending on the card?  It returns one Hyatt point per dollar spent (and 2x dining, airfare and car rentals, and 3x Hyatt purchases), and even though Hyatt points are considered second to SPG points in value among hotel currencies (our current valuation is 1.2cent per point), we will recommend using Chase Sapphire Preferred instead since its 3-2-1 earning structure covers more categories and its Ultimate Rewards points can be transferred to 11 partner programs including Hyatt.
• In the drawer?  Yes.

Chase Fairmont Visa ($95, waived for 1st year)

• Benefits in a nutshell: As long as you have the card, you receive Fairmont mid-tier status Premier, which alone will make paying the annual fee worthwhile since you receive one suite upgrade, one room upgrade, one third night free certificate, and two $25 dining/spa certificates each year.  You also receive a standard level Lounge Club membership ($27 per visit) with two free lounge passes each year.  In addition, when you spend at least $12K each year, you will earn an annual free night at any Fairmont/Raffles/Swiss hotels worldwide, which can be extremely valuable.
• Why not putting spending on the card?  It returns one Fairmont Rewards point per dollar spent for general purchases (and 2x on airfare, car rentals, transit, and commuting, and 5x Fairmont), and these points are worth about 1 cent a piece.  So you'd better using a 2% cashback card such as FIA Fidelity Amex or a miles/points card with bonus categories such as Citi Prestige.  However, spending $12K a year to earn a free night is very well worth considering, especially when you have big Fairmont hotel spending anyway.
• In the drawer?  Yes unless you are working on earning the annual free night.

Citi Hilton HHonors Reserve Visa ($95)

• Benefits in a nutshell: As long as you have the card, you will have Hilton Gold status, which is the best hotel mid-tier elite status on par with Marriott Gold and is worth much more than the annual fee.  Note that you can achieve Hilton Diamond status with an annual $40K spending; however, we think it is not worth spending this much to achieve this higher tier status which doesn't bring much extra benefits.  In addition, after you spend $10K each year, you will earn a free weekend night at any Hilton worldwide hotels, which can be very valuable.
• Why not putting spending on the card?  It returns three Hilton points for general purchases (5x on airfare and car rentals, and 10x Hilton), and Hilton points are generally worth much less than one cent a piece (our current valuation is 0.4 so 3x general spending doesn't translate to great rewards).  However, spending $10K a year to earn the free weekend night will be a wise thing to do, especially when you already have big Hilton spending.
• In the drawer?  Yes unless you are working on earning the annual free weekend night.

Citi Prestige ($450)

• Benefits in a nutshell: The effective annual fee after considering the annual $250 airline credit is $200.  With that it offers three major perks: 1) access to 40 American Admirals Clubs for the primary cardholder plus two guests and 20+ domestic lounges (including Alaska) and 550+ international lounges through Priority Pass Select for you (primary cardholder or authorized user) plus two guests; 2) hotel privileges including 4th night free at any hotel at your choice through International Complimentary Night Hotels & Resorts program; 3) a 3-2-1 ThankYou earning structure with a potential 15%-25% annual relationship bonus.
• Why not putting spending on the card?  This card is actually a powerhouse when it comes to earning miles/points and that is why we recommend it for daily uses.  However, some travelers may choose other great cards for spending and this card may still make sense even you don't spend a dime with it since the Admirals Club and Priority Pass Select with two free guests sound like a bargain for $200/year if you frequent airport lounges.
• In the drawer?  Most likely no, even though you will receive a separate Priority Pass Select membership.  You need to show your card to get into Admirals Clubs and need to charge the hotel purchases to the card to use the 4th night free feature.  And of course for most cardholders, its 3-2-1 rewards are just hard to resist.

US Bank Club Carlson Premier Visa ($75)

• Benefits in a nutshell:  You will receive 40,000 Club Carlson points every year you renew your card.  Based on our current valuation at 0.35cent per point, these bonus points are worth roughly twice the annual fee.  In addition, as long as you have the card, you will have Club Carlson Gold status, which is generally less valuable than Hilton Gold or Marriott Gold but may still be of good value.  Perhaps the most important feature of the card is when you redeem for two or more night you get your last night free - this essentially double the value of Carlson points if you always redeem two nights at once - in our case, the value of Carlson points becomes 0.7 cent when you have the card and those 40K annual bonus becomes four times the annual fee!
• Why not putting spending on the card?  We actually think if you always use the last night free feature, this card is great to put your spending on since it returns 5x for general purchases and 10x for Club Carlson hotels.  Based on our valuation, that translates to 3.5% and 7% cashback equivalent rewards earning.  Our only concern is that you may be putting all your eggs in one basket if you solely use this card since it is not unusual for frequent travel program to have sudden dramatic devaluation; that is why our favoritecashback or miles/points cards are still worth recommending.
• In the drawer?  Yes if you keep the card for the 40K annual bonus and Gold status.  No if you want to use it for daily purchases.

前排占座

占座慢慢看

不错，留个座位

赞大牛！

amex plat with complimentary boingo wireless global plan

PabloAimar 发表于 2014-3-24 02:08

amex plat with complimentary boingo wireless global plan

看到了，6月份开始，到时候要看看效果怎么样。

lz的那个网站一直长期收藏，大赞！

sander9t 发表于 2014-3-23 14:52

看到了，6月份开始，到时候要看看效果怎么样。

他家的网络速度先不提 因测试过十几个不同机场发现速度差异比较明显 但信号很足 这点比较厚道。

赞LZ技术贴

firewoods 发表于 2014-3-24 03:12

lz的那个网站一直长期收藏，大赞！

LZ是哪个网站，能share一下吗

支持啊~~~长期收藏~~~

好贴！！！占座！！！

不知道坛子里有没有人拿到额外的100刀或以上的航空公司抵用的？FT上面有蛮多人拿到这个的，因为AE PLT失去了AA/US的休息室。在犹豫要不要打电话去问问

好文章，期待！

flyertalk有人回了，说CITI Prestige 在AA网站上显示可以进Admirals Club了, Citi Prestige 竞争力又强了很多