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【信用卡推荐】Chase Sapphire Reserve

<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;">开卡3个月内消费满&dollar;4&comma;000给100&comma;000 Chase Ultimate Rewards&lpar;UR&rpar;点。 现金价值高达&dollar;1700。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">&ast;点数现金价值参考:http&colon;&sol;&sol;onemileatatime&period;boardingarea&period;com&sol;value-miles-points&sol;<&sol;span><&sol;p>&NewLine;<p><img class&equals;"aligncenter" width&equals;"85&percnt;" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2018&sol;06&sol;2cab7-2f0052&lowbar;1fd89e5134504be68bba1f304d13872cmv2&period;jpg"><&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;">目前100k Chase UR点的开卡奖励仅接受branch申请。网络申请链接已经降为50k点,branch的申请奖励在3月12日之后也会降为50k点。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>【基本信息以及优点】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">1&period; å¹´è´¹&dollar;450<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><em><span style&equals;"font-size&colon;16px&semi;">(但等效年费仅&dollar;150,甚至倒赚,下面会具体说)<&sol;span><&sol;em><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">2&period; 每年报销&dollar;300的Travel类相关消费<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">3&period; 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;">4&period; 无境外消费手续费<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">5&period; 餐馆和旅行类相关消费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;">6&period; 赠送Priority Pass Select卡,可以进入机场贵宾室休息<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">7&period; 提供PrImary租车保险<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><em><span style&equals;"font-size&colon;16px&semi;">(关于租车保险可以看以前的推送<a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650446545&amp&semi;idx&equals;1&amp&semi;sn&equals;4a290930a16b1d5b626dcf36e46a0f70&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">美国租车(1) &&num;8211&semi; 概述<&sol;a>)<&sol;span><&sol;em><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">8&period; 如果在Chase UR travel portal使用UR点数,可以1 point换1&period;5 cents<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><em><span style&equals;"font-size&colon;16px&semi;">(更多福利的介绍和具体的说明请见后)<&sol;span><&sol;em><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>【注意事项】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">1&period; 该卡的申请受到chase的524规则限制<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">关于该规则的介绍可以看之前的推送<a target&equals;"&lowbar;blank" href&equals;"http&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" rel&equals;"noopener noreferrer">【Review】Chase两年五卡的政策解读和对应措施<&sol;a>。<em>这里简单描述下,就是在过去两年(24个月)如果你申请的信用卡张数(不仅仅是chase家是所有银行的信用卡,包括副卡)超过5张,那么chase就不会批准你的申请。<&sol;em><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">2&period; 配合chase家其他的卡同时申请<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">chase家的信用卡申请有一个trick,就是同一天申请两张卡可以合并hard pull(详见<a target&equals;"&lowbar;blank" href&equals;"http&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" rel&equals;"noopener noreferrer">【Review】关于Chase你应该知道的15件事<&sol;a>)。所以如果你在524规则之内,准备去银行申请的话,建议同时再申请另外一张chase信用卡。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">另外一张卡选哪张比较好呢?这个主要取决于你的情况。既然你能够申请csr,那么肯定在524之内。我建议另外一张卡也申请受524规则限制的,充分利用优势。具体chase哪些卡受到524限制可以看上面已经介绍过的推送<a target&equals;"&lowbar;blank" href&equals;"http&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" rel&equals;"noopener noreferrer">【Review】Chase两年五卡的政策解读和对应措施<&sol;a>。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">3&period; 由于每年可以报销&dollar;300的travel消费,等效年费相当于&dollar;450-&dollar;300 &equals; &dollar;150。该&dollar;300报销是每个calendar year,而非持卡年数。所以如果打算仅持卡一年的话,一般都能横跨两个calendar year,&dollar;300&ast;2-&dollar;450 &equals; &dollar;150,实际你会倒赚&dollar;150。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">4&period; 如果不打算长期持有,除了关卡以外,还可以考虑降卡。可以降到chase家自己的信用卡,比如chase freedom&sol;freedom unlimited&sol;sapphire preferred。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>【福利详解】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">除了奇高的开卡奖励以外,大家蜂拥而上的这张csr被称作神卡更是因为他各种有人的福利。下面来具体说说。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">Chase Sapphire Reserve的福利(主要是travel benefits)见下:<&sol;p>&NewLine;<p><img class&equals;"aligncenter" width&equals;"85&percnt;" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2018&sol;06&sol;b61e0-2f0052&lowbar;f619fe636ed841cba02714cb646ccc49mv2&period;jpg"><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><strong><span style&equals;"font-size&colon;20px&semi;"><&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>&dollar;300 Annual Travel Credit<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">对于所有在travel类别内的消费,此卡可以每年报销&dollar;300的消费。chase对travel类别有很广泛的定义 &&num;8212&semi;<&sol;p>&NewLine;<p style&equals;"font-size&colon;12px&semi;"><span style&equals;"font-size&colon;12px&semi;"><strong>Merchants in the travel category include airlines&comma; hotels&comma; motels&comma; timeshares&comma; campgrounds&comma; car rental agencies&comma; cruise lines&comma; travel agencies&comma; discount travel sites&comma; and operators of passenger trains&comma; buses&comma; taxis&comma; limousines&comma; ferries&comma; toll bridges and highways&comma; and parking lots and garages&period; <&sol;strong>Please note that some merchants that provide transportation and travel-related services are not included in this category&semi; for example&comma; real estate agents&comma; websites or owners that rent vacation properties&comma; in-flight goods and services&comma; on-board cruise line goods and services&comma; sightseeing activities&comma; tourist attractions&comma; merchants within airports&comma; and merchants that rent vehicles for the purpose of hauling&period; In addition&comma; the purchasing of points or miles does not qualify in this category&period;<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">对比citi prestige只能报销&dollar;250的airline purchases,和amex platinum只能报销&dollar;200的airline incidentals,<strong>这张卡无论是从可以报销的金额还是报销的类别都完胜其他银行的同类产品<&sol;strong>。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">对比chase自己的栗子卡,这个&dollar;300的credit是自动打到账户上的(通常1-2 billing cycles),而栗子卡需要人工审核。<strong>所以,这张卡也是完胜Chase自己家的其他产品<&sol;strong>。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">值得注意的是,这个报销是按照calendar year以及你的statement截止的时间来计算的。比如你的statement是每个月的15号,那么12月15日就是这个calendar year的最后一个statement,你在12月14日的消费算这个calendar year,在12月16日的消费算下一个calendar year。所以,我们上面提到了,如果你持卡的一年时间横跨了两个calendar year,你只需要支付&dollar;450的年费却可以报销&dollar;600的消费,倒赚&dollar;150。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Complimentary Airport Lounge Access<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">你和你的副卡使用者都将获得免费的Priority Pass Select会员,其中添加一张副卡需要额外再给&dollar;75的年费。Priority Pass Select会员让你能够任意进入全球900多家航空休息室,具体可以看 &&num;8211&semi; https&colon;&sol;&sol;www&period;prioritypass&period;com&sol;en&sol;Select<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Global Entry or TSA Pre✔ Fee Credit<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">当你申请了Global Entry或者TSA PreCheck,这张卡可以给返回最多&dollar;100的credit。这个福利你可以每四年享受一次。不过有资格申请Global Entry or TSA Pre是需要美国公民或者绿卡的。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Special Car Rental Privileges<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">你可以享受一些租车公司的特殊高级待遇,见下图<&sol;p>&NewLine;<p><img class&equals;"aligncenter" width&equals;"97&percnt;" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2018&sol;06&sol;23bcc-2f0052&lowbar;7f88ea68f06e49db81b1e02cb00a9751mv2&period;jpg"><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>50&percnt; More Value in Travel Rewards<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">当你通过Chase Ultimate Rewards使用UR点数去预订旅行(比如租车、酒店、cruise等),每点可以额外获得50&percnt;的bonus,也就是每点价值1&period;5 cents<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Exclusive Events &amp&semi; Experiences<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">和chase蓝宝石类似,有一些exclusive member events。<&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">可以查看 https&colon;&sol;&sol;www&period;chase&period;com&sol;personal&sol;credit-cards&sol;sapphire-on-location<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>1&colon;1 Point Transfer To Travel Partners<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">使得UR点数使用起来更加灵活,可以1&colon;1兑换travel partner的点数&sol;里程。这些partner包括ritish Airways Executive Club&comma; United MileagePlus&comma; Hyatt Gold Passport&comma; Marriott Rewards等。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Access To The Luxury Hotel &amp&semi; Resort Collection<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">一些顶级酒店的高级待遇,包括 &&num;8212&semi;<&sol;p>&NewLine;<p><img class&equals;"aligncenter" width&equals;"57&period;99999999999999&percnt;" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2018&sol;06&sol;22371-2f0052&lowbar;a6fef8eb2af64fa3a6e139b32cce7887mv2&period;jpg"><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><strong><span style&equals;"font-size&colon;20px&semi;"><&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>No Foreign Transaction Fees<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">没有境外消费手续费。这个福利对于有年费的信用卡很常见。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Elite Hotel Benefits At Relais &amp&semi; Châteaux<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">在12个月内,如果你通过Visa Infite concierge预订Relais &amp&semi; Châteaux propertie并且住满2个晚上,你将获得Club 5C status。这个status可以给你带来的福利包括Welcome gifts &amp&semi; amenities以及Access to a special reservations line等。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Trip Cancellation&sol;Trip Interruption Insurance <&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果因为疾病、天气以及其他原因而不得不取消旅行,这张卡每趟旅行可以赔付最多&dollar;10&comma;000,包括你的机票、酒店、租车等。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Auto Rental Collision Damage Waiver<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">这张卡提供的primary保险,既可以保US也可以保abroad的租车,对于盗窃和碰撞可以最多赔偿&dollar;75&comma;000。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Baggage Delay Insurance<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">坐飞机的时候如果你的包括晚到了6个小时或以上,每天最多可以赔偿&dollar;100,最多一次性赔偿5天的费用。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Trip Delay Reimbursement<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果你的航班&sol;火车等(common carrier travel)晚点6个小时(或以上)或者造成你需要overnight停留,你和你的家人都将获得包括住宿、吃饭的赔偿,每张票最多&dollar;500。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Roadside Assistance<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果你需要拖车、打火、加油等紧急的roadside帮助,这张信用卡可以给你reimburse最多&dollar;50每次的statement credit。每个calendar year你可以使用4次这样的福利。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Lost Luggage Reimbursement<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果你和你的直系亲属的托运行李或者登机行李被carrier(比如航空公司)弄坏了,每人最多可以被赔偿&dollar;3&comma;000。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Travel and Emergency Assistance<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果你在家以外的地方需要法律或者医疗方面的援助,可以立刻拨打信用卡背面的电话请求帮助。不过,你仍然需要自己支付所可能产生的费用。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Travel Accident Insurance<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">当你用这张信用卡支付了飞机票、巴士票、火车票、或者cruise的费用,你可以享受高达&dollar;1&comma;000&comma;000的以外死亡保险。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Emergency Evacuation &amp&semi; Transportation<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果你和你的直系亲属在远离家的旅行中生病或者受伤了而需要紧急疏散,你们可以被支付高达&dollar;100&comma;000的医疗和交通费用。<&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>Emergency Medical and Dental Benefit<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;">如果你和你的直系亲属在距离家至少100 miles的旅行中生病或者受伤,你们可以被reimburse最多&dollar;2&comma;500的医疗消费。<&sol;p>&NewLine;

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