【2023.11.19 更新】ink 系列中的 premier 也可以讲返现转变为 UR 积分。价值增高
Chase Ultimate Rewards (UR) 是几个主流的银行积分体系之一，有众多航空、酒店伙伴，比如 美联航、加航、凯悦。
Chase 家信用卡有很多可以消费累积 UR 点数，但需要一张高端卡来激活转入伙伴的功能（也就是盘活 UR）。
这样的高端卡 包括以下三张：
🇺🇸 Chase Ink Business Preferred
本文列举对比一下大通银行墨水系列商业信用卡 Chase Ink Business credit card ，方便读者选择改入手哪一张
其中 preferred 年费低，并且可以盘活 UR； Unlimited 和 Cash 的返现都可以转为 UR； Premier 的返现只能折现，不能转入 UR 账户。 现在 Premier 也可以讲返现转为 UR 。
Ink系列商业卡的博客推荐申请链接：https://beimeiyangmao.com/refer/chaseink
全系列消费返利形式都是 UR （Ultimate Rewards）
| PREMIER 详细介绍 | UNLIMITED 详细介绍 | CASH 详细介绍 | PREFERRED 详细介绍 | |
| 开卡奖励 | $1000 – spend $10,000 in 3 months | $900 – spend $6000 in 3 months | $750 – spend $3000 in 3 months – spend $6000 in 6 months | 90,000 points – spend $8000 in 3 months |
| 消费返现 | 2.5x: purchase over $5000 2x: else | 1.5x: everything | 5x: each anniversary year, first $25,000 on * office supply stores * internet, cable and phone services 2x: each anniversary year, first $25,000 on * gas stations * restaurants 1x: else | 3x: each anniversary year, first $150,000 on * shipping purchases * advertising purchases with social media sites and search engines * internet, cable and phone services * travel 1x: else |
| 年费 境外手续费 | $195 annual fee no FTF | no annual fee FTF 3% | no annual fee FTF 3% | $95 annual fee no FTF |
| 旅游相关保险 | Auto Rental Collision Damage Waiver | Auto Rental Collision Damage Waiver | Auto Rental Collision Damage Waiver | Trip Cancellation, Interruption Insurance $5000 per person/$10,000 per trip Auto Rental Collision Damage Waiver |
| 购物相关福利 | Cell Phone Protection $1000 / 3 claims 12 months / $100 deductible Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years | Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years | Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years | Cell Phone Protection $1000 / 3 claims 12 months / $100 deductible Purchase Protection 120 days/$10,000/$50,000 Extended Warranty Protection 1 additional year, max 3 years |
| 其他福利 | 5x on Lyft rides through 3.31.2025 | 5x on Lyft rides through 3.31.2025 | 5x on Lyft rides through 3.31.2025 | 5x on Lyft rides through 3.31.2025 |
记录酒店相关的促销信息：包括但不限于 购买积分加赠、酒店礼卡促销、季度促销奖励
记录航空相关的促销信息： 包括但不限于 购买里程促销、航司礼卡促销、积分转点促销