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【信用卡推荐】Chase Sapphire Reserve和Preferred的对比

<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【写在前面的话】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">Chase好卡实在太多了。之前写过<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448478&amp&semi;idx&equals;1&amp&semi;sn&equals;5e6727ac9d69f26bf6a01e4bdd4fbec5&amp&semi;chksm&equals;88f4bd44bf833452c85eae9c8bb3c065c4e034be6be4aaed60d04e9481ce1e74eec5ed1ef8a3&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【信用卡推荐】Chase的万豪和凯越(含对比)<&sol;a>,适逢昨天<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448778&amp&semi;idx&equals;1&amp&semi;sn&equals;b28fdf54d1b9dbf801f946d2275f3a4f&amp&semi;chksm&equals;88f4bc90bf833586c533952a8fa41eb7e88058151a5257a5ebb02786ca6be66566d703f4f524&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【干货】怎么避免天气原因或航班变更造成的损失<&sol;a>里提到了出行在外购买机票要选一张靠谱的信用卡。今天就来聊聊Chase的两张卡Chase Sapphire Reserve和Chase Sapphire Preferred。这个问题在介绍<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448768&amp&semi;idx&equals;1&amp&semi;sn&equals;726311979cd7c04584b5dc7ec133b0ab&amp&semi;chksm&equals;88f4bc9abf83358c450df60362a8d14866aaf29ee113ddd311faf19e3a201fa9078dd20aca1b&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【信用卡推荐】Chase Sapphire Reserve<&sol;a>和<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650447984&amp&semi;idx&equals;1&amp&semi;sn&equals;b65aeaef1e0875d0c22ae3352e65dee2&amp&semi;chksm&equals;88f4bf6abf83367cf1e9e4fe74980a28aa5f4ff41d0f71d76d3669fc59c877a1e812f2b9ffc8&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【信用卡推荐】Chase Sapphire Preferred (蓝宝石)<&sol;a>的时候经常会有读者让我做个比较。卡的详细介绍戳签的链接就好。今天这篇推送的focus是在对比。<&sol;span><&sol;p>&NewLine;<p><img class&equals;"aligncenter" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2018&sol;03&sol;f54e6-2f0052&lowbar;ec76fcc4ecc04b0494bddbe29eaa6975mv2&period;png" &OpenCurlyDoubleQuote;”"69&percnt;"&equals;""><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【开卡奖励】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">Chase Sapphire Reserve &lpar;CSR&rpar; 开卡三个月内完成&dollar;4k的消费可以拿50k Chase UR点数。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">Chase Sapphire Preferred &lpar;CSP&rpar; 开卡三个月完成&dollar;4k的消费,可以拿50k Chase UR点数;并且开卡三个月内添加一个副卡持卡人完成一笔消费,还有额外的5k点。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">关于Chase UR的点数介绍可以看:<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448040&amp&semi;idx&equals;1&amp&semi;sn&equals;eb672ebd49e4209148cf8ffc96738968&amp&semi;chksm&equals;88f4bfb2bf8336a462457ff9155e27937e0810d08c847a05a8a388b7430d3020be5eee7b1dde&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">美国信用卡新手快速入门<&sol;a>。参考英文博客(http&colon;&sol;&sol;onemileatatime&period;boardingarea&period;com&sol;value-miles-points&sol;)的点数现金价值估计,1 Chase UR point &equals; 1&period;7 cents。在开卡要求相同的情况下,CSP略微胜出,多出的现金价值约&dollar;85。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【年费】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSR是&dollar;450一年,第一年不免;但等效年费是&dollar;150一年(下面说)。其中添加副卡持有人,&dollar;75一个人。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSP是&dollar;95一年,第一年免。添加副卡是有人不需要额外增加费用。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">年费方面,依然是CSP略胜出。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【相关报销】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSR每个持卡年有travel相关的报销&dollar;300。这个travel的定义十分广泛,你订机票、订酒店、租车、坐地铁、打Uber,全部算。而且消费一旦post之后,立刻在账户里自动返credit。除此之前,还有每年报销&dollar;100的Global Entry&sol;TSA Pre。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSP没有相关的报销。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【积分返点】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSR是吃饭和旅行的相关消费3倍积分;其余消费1倍积分。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSP是吃饭和旅行相关的消费2倍积分;其余消费1倍积分。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【积分兑换】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSR在Chase Travel里可以有额外50&percnt;的兑换,就是1 point &equals; 1&period;5 cents。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSP在Chase Travel里可以有额外25&percnt;的兑换,就是1 point &equals; 1&period;25 cents。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">以上几点,在两张卡的申请页面都用大字加粗重点标注出来了。<&sol;span><&sol;p>&NewLine;<p><img class&equals;"aligncenter" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2018&sol;03&sol;d67b5-2f0052&lowbar;e8b80dcf91c544e1b7b2d7ad7758488cmv2&period;png" &OpenCurlyDoubleQuote;”"92&percnt;"&equals;""><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【旅行福利】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">两张卡focuse都在travel,所以福利都不错。其中CSR好很多,毕竟年费摆在那里,定位是高端卡。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">两张卡的travel benefits详细介绍,在申请页面有个travel and purchase protection benefits可以看。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">我这里着重说两个CSR有的福利:<&sol;span><&sol;p>&NewLine;<ol>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSR的旅行延误险是6小时,而CSP的旅行延误险是12小时。<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSR提供Priority Pass免费会员(飞机上的免费机场休息室),可以带客人一起,不限数量。<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<&sol;ol>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">福利方面,CSR完胜。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【申请限制】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">两张卡都受到chase 5&sol;24的限制(<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;402158053&amp&semi;idx&equals;1&amp&semi;sn&equals;3693334d95368558806dfa5024074428&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【Review】Chase两年五卡的政策解读和对应措施<&sol;a>),并且在CSR出来一段时间后,Chase又补充了一个规定,就是CSR&sol;CSP不能同时拥有。所以你不得不在两张卡里做一个选择,决定选择哪一张。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【选择哪张卡申请】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">两张卡都是不错的卡,在选择申请哪张的时候,需要配合自己的具体情况。但倘若你非要我给你一个简单粗暴的建议,那我会说:申请CSR!<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">相比CSP而言,CSR我觉得适合:<&sol;span><&sol;strong><&sol;p>&NewLine;<ol>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">有Travel需求的<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">这个travel需求不是说你要经常出差、经常出去玩。一年总归会需要旅游一次吧?酒店机票租车的消费都属于&dollar;300的报销范围,还能3倍积分。如果你硬要说你是宅男&&num;8230&semi;那总归要去饭店吃饭吧!饭店消费是3倍积分。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">travel多的话就更不需要多说啦。6小时延误险、PP lounge那都是刚需。出门在外随便一刷卡那就是3倍积分。<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">嫌用很多卡很麻烦的<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">有了CSR就可以实现一卡流的,钱包里就只放这么一张卡就好了。<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">有Chase Freedom<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">作为一张人人都有的非年费的5倍积分的入门街神卡(<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;402386830&amp&semi;idx&equals;3&amp&semi;sn&equals;5e037018af534518f76fcf9dadc2dd59&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【信用卡推荐】入门神卡Chase Freedom<&sol;a>),每个季度你刷刷5倍积分的category攒下来的积分怎么用?没有CSR和CSP吧,你只能1&colon;1兑换。有了CSR&sol;CSP你可以1)和各种航空、酒店公司进行兑换;2)在Chase Travel里直接用钱。对于1)来说,CSR&sol;CSP没有区别。但是对于2)来说,CSR是1&colon;1&period;5,CSP只有1&colon;1&period;25,CSP明显威力不够啊。<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<&sol;ol>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">总结来说,CSR是一张性价比很高(等效年费仅&dollar;150但福利超好)的值得长期持有的平民高端卡。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">那什么人适合申请CSP呢?我个人觉得两人类:<&sol;span><&sol;strong><&sol;p>&NewLine;<ol>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">只关注开卡奖励的<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">CSP第一年免年费,开卡奖励又多5k点。如果只打算持卡一年,显然CSP划算很多。关卡之前,可以把点数转到Freedom账户里(我assume这张卡人人都有吧?),虽然发挥不了很大的价值,但至少1&colon;1兑换能保证<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<li>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><strong><span style&equals;"font-size&colon; 16px&semi;">手上有好几张高端卡<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">比如我自己。我自己目前有citi prestige(年费&dollar;450)和amex 白金(年费&dollar;550);我老公有amex白金和us bank reserve(年费&dollar;400)。基本上所有最好的福利都已经cover了(比如prestige的延误险是3个小时)。我们长期持有CSP的原因是,没有它的话,chase ur点数无法转到travel partner里用。受到524的限制,一旦关卡,我们基本上也不可能再申请到,所以&dollar;95的年费对比&dollar;150的等效年费,还是&dollar;95相对划算点。<&sol;span><&sol;p>&NewLine;<&sol;li>&NewLine;<&sol;ol>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">但无论申请哪张卡,我个人的建议是,最好还是长期持有(因为524啊,哎!)。另外一个经常问的问题就是,很多新手朋友问我,信用记录很短(比如只有半年),是否值得申请CSR&sol;CSP?我的意见都是it does not hurt to try。如果申请没有成功,对你的信用记录影响很小。但是万一申请成功了,你就不用被524束手束脚啦,后面可以放宽心申请其他家的好卡了。当然,如果你还没有过任何chase的信用卡,我会建议从chase freedom这样没有年费的卡开始,相对容易申请。chase一旦建立好关系了,申请就很容易啦!比如我自己目前就有8张卡:<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">最后再次提醒下大家,chase家申请信用卡,同一天两张是合并hard pull的。在你申请CSR&sol;CSP的同时,不要忘记顺手再申请一张chase的信用卡&lpar;具体看这里把:<a href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;402215739&amp&semi;idx&equals;1&amp&semi;sn&equals;672bf1d3b8916ad80649a20d142648ae&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noopener noreferrer">【Review】关于Chase你应该知道的15件事<&sol;a>)。他家好卡太多,我就不赘述啦(其实&&num;8230&semi;是我已经写不动推送了)。如果想求建议再申请一张什么卡,可以直接留言。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 20px&semi;"><span style&equals;"font-size&colon; 20px&semi;"><strong>【申请链接】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">码字也不容易,如果各位读者愿意使用我们的推荐链接申请CSP就最好不过了!在这里谢谢大家:)<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><a href&equals;"https&colon;&sol;&sol;www&period;referyourchasecard&period;com&sol;6a&sol;8XI9SEYMXA"><strong><span style&equals;"font-size&colon; 16px&semi;">Chase Sapphire Preferred (点我)<&sol;span><&sol;strong><&sol;a><&sol;p>&NewLine;<p style&equals;"font-size&colon; 16px&semi;"><span style&equals;"font-size&colon; 16px&semi;">没有Chase Freedom的也可以考虑用我们的链接申请哦:<a href&equals;"https&colon;&sol;&sol;www&period;referyourchasecard&period;com&sol;2&sol;36KPXUZMEY">点我<&sol;a><&sol;span><&sol;p>&NewLine;

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