🇺🇸 Chase Sapphire Preferred 【开卡 6 万点+$300】

亮点简述

• 推荐为 长持卡

• 日常消费 多类别 高倍累积 UR

• 盘活 UR， 🉑️折现， 🉑️转航空里程

• 扣除各种报销、折扣， 持卡成本几乎为0

发卡银行: Chase Bank
结算通道: Visa (signature)
卡片种类: 信用卡
年费: $95; 副卡无年费
无境外手续费

累积的是 Chase UR (Ultimate Rewards), 积分使用灵活，可转航空里程， 积分价值高

开卡奖励

【2024.10.03 更新】开卡奖励 6 万 UR 积分 + $300 Chase Travel credit

• 前三个月消费 $4000

博客推荐申请链接

过往开卡奖励

日常消费

5X: 通过 Chase Ultimate Rewards 预定旅行， 包括 机票、酒店等

5X: 限时， 2025.03.31 之前，Lyft 消费

3X: 吃饭（包括外卖、外送， 全球范围）

3X: 流媒体服务

3X: 线上买菜 （不包括 target walmart 之类的 wholesale)

2X: 旅行消费，包括 机票、酒店、火车、出租车等

1X: 其他消费

福利 & 保险

• 每年给前一年消费所得基础分的 10% 奖励积分

• 每持卡年 $50 报销 （every membership year）， 在Chase Ultimate Rewards的旅行花费 (我这个例子，报销是发生在实际入住之后)

• 每月 $10 报销， 在 Gopuff消费 （最低$10消费）

• 免费一年的 DashPass

• 6个月 Instacart

• 持此卡，🉑️将 UR 1:1.25 折现 Chase Ultimate Rewards 的旅行花费

• 持此卡，🉑️将 UR 1:1 转到常见的航空里程项目， 包括从 Chase Freedom Flex & Chase Freedom Unlimited 积攒的 UR

旅行相关保险

• Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

• Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

• Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days

• Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket

• Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

购物相关保险

• Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account

• Extended Warranty Protection

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less

点评

非常推荐 长持的一张卡， 主要原因就是在文章开头所列：

1. 此卡本身的消费奖励不错；
2. 是在没有 ink 商业卡 或者 CSR 的情况下， 唯一能够使 UR 使用出最大价值的信用卡
3. 利用好CSP 提供的各种报销和福利， 持此卡的成本为 0
4. 结合此卡 CSP 和 CFF, CFU, 尽情的赚取 ur 积分！