🇺🇸 美国版 Amex Membership Rewards 详解【即将停转夏威夷航空里程】
April 23, 2025
Chase 家的 UR (ultimate rewards) 点数系统 是几大点数系统中 （Amex MR, Citi TYP, CapitalOne Venture)， 我比较喜欢的。 优点有：点数积攒快；航空、酒店合作伙伴给力；里程积分小白也可以有兑换statement credit （1.25 或者 1.5比例）的现金用法作为保底。 推荐作为主攻项目，集中消费力积攒。
Chase Ultimate Rewards 系列卡 包含多张，个人卡有如下几张：
Freedom Unlimited | Freedom Flex | Sapphire Preferred | Sapphire Reserved | |
| 年费 | 无 | 无 | $95； 副卡 0 | $550； 副卡 $75 |
| 境外手续费 | 3% | 3% | 无 | 无 |
| 开卡奖励 | $200 5% gas,grocery, cap $12,000 | $200 5% gas,grocery, cap $12,000 | 60,000 UR | 60,000 UR |
| 日常消费 | 5x: Chase UR travel 3x: dining, drugstore 1.5x: everything else | 5x: Chase UR travel 5x: quarterly bonus categories (cap $1500) 3x: dining, drugstore 1x: everything else | 5x: Chase UR travel 3x: dining, online grocery, streaming service 2x: travel 1x: everything else | 10x: hotel via Chase UR travel 5X: flight via Chase UR travel 10x: dining via Chase UR 3x: dining, travel 1x: else |
| 其他福利 | * a complimentary 3 months of DashPass * a complimentary 3 months of Instacart+ membership * Earn 5% cash back on Lyft rides through March 31, 2025 | * a complimentary 3 months of DashPass * a complimentary 3 months of Instacart+ membership * Earn 5% cash back on Lyft rides through March 31, 2025 | * annual $50 statement credit when booking hotel via Chase UR travel * a complimentary DashPass till 2024.12.31 * a complimentary 6 months of Instacart+ membership * $15 Instacart credit each quarter * Earn 5x on Lyft rides through March 31, 2025 * Complimentary 4th night at Ennismore Hotel properties | * $300 Annual Travel Credit * Airport Lounge Access * $100 credit every 4 years GE TSA NEXUS * 10x Lyft * 2 year Lyft Pink * a complimentary DashPass till 2024.12.31 * $5 DoorDash monthly credit ** a complimentary 12 months of Instacart+ membership * $15 Instacart credit each month |
| 旅行相关保险 | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver Baggage Delay Insurance Trip Delay Reimbursement | Trip Cancellation/Interruption Insurance Auto Rental Collision Damage Waiver Baggage Delay Insurance Trip Delay Reimbursement Travel Accident Insurance Lost Luggage Reimbursement Emergency Evacuation and Transportation Roadside Assistance Emergency Medical and Dental Benefit |
| 购物相关 | Zero Liability Protection Purchase Protection Extended Warranty Protection | Zero Liability Protection Purchase Protection Extended Warranty Protection Cell Phone Protection | Purchase Protection Extended Warranty Protection | Zero Liability Protection Purchase Protection Return Protection Extended Warranty Protection |
新改版：$150 年费， 持卡就有希尔顿金（双早保证），每年消费1.5 万 得一张房券，消费 4 万 升级钻石， 每年 $200 希尔顿消费报销，租车会籍 National Executive
加拿大生活，必须消费的加油， 如何省一点 ｜ Chevron 加油， Shell 加油
Bilt上大分 ｜ 总结美国常见的信用卡积分转点各个伙伴航空里程、酒店积分，并列出所有可以获得积分的信用卡
记录与航空相关促销活动，包括但不限于 里程购买促销、积分转里程加赠 等