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【小钱大玩】如何一年撸上万刀羊毛

<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">因为是直到感恩节才有写这么一篇微信的想法,之前并没有去刻意记录,所以写出来的羊毛应该是小于等于实际撸的羊毛。羊毛撸的实在多又杂,这里只重点讨论银行开户和信用卡开户部分的。另外有这么几个<strong>假设:<&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; 银行开户所赚利息需要缴税的部分不计(强调一下,银行利息需要报税!)<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">2&period; 开户所赚点数或者里程全部折现计算,参考点哥的博客12月份的表格:<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">http&colon;&sol;&sol;thepointsguy&period;com&sol;2016&sol;12&sol;december-2016-monthly-valuations&sol;<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">点数和里程的实际价值会根据大家需求(如何兑换)有所不同,比如我觉得点哥的表格里MR点数价值略高,Delta里程价值略低。所以这里只是一个参考。以后我们会多分享一些实战分析,教大家如何最大化的利用点数和里程的价值。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">3&period; 仅考虑信用卡开户所赚的奖励,以下不计:<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">1&rpar; 因为需要完成开户奖励而采用的manufacturing spending方法损失的手续费。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">2&rpar; 开户奖励刷卡产生的信用卡返现。比如amex白金当时的消费要求是刷满&dollar;3k拿100k点,那刷满&dollar;3k之后除了开卡100k点以外这&dollar;3k按照1&percnt;返现还有3k拿;但这些数目太繁琐,都直接忽略不计啦。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">3&rpar; 持卡之后花销所产生的返现。比如我的第二张discover信用卡今年的第四个季度在sam&&num;8217&semi;s club都是10&percnt;返现,我自己也在sam&&num;8217&semi;s club买了不少东西,不过这样些消费返现也都太琐碎了,忽略不计。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">4&period; <strong>大部分有年费的信用卡只考虑持卡一年。<&sol;strong>如果该卡第一年年费免了,就不计入成本里,否则从利润里扣除年费成本。高额年费的信用卡往往也有很多好的福利,使得实际所要支付的年费减少,<strong>这里只考虑等效年费<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">5&period; 不少银行的账户都要收取月费,但一般也都有免除月费的方法。最常见的方法就是保持银行账户的minimum balance到一定金额,或者有一定金额的direct deposit。我们都会尽量满足这些条件,所以基本上所有的银行账户都没有给月费。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">6&period; 不考虑利用amex offer和freedom&sol;discover&sol;dividend季度返现等各种走ms或者resell礼品卡赚取的羊毛。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">7&period; 太繁琐的金额直接化零为整,取个大概,旨在意会即可。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">此文讨论的是我和LD这一年总共的羊毛。因为我们申请信用卡的策略是以一个家庭为单位出发的,所以经常是互为补充;当然好的offer就一起跳了。同时要说明的是,有一些银行奖励有地域限制,并不是像大银行(比如我们推送过的chase和citi那样national wide;但由于我们异地在两个州,有两个地址,所以可以选择的银行范围比较广。<&sol;span><&sol;p>&NewLine;<p><img class&equals;"aligncenter size-full" width&equals;"100&percnt;" src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2016&sol;12&sol;b28d4-2f0052&lowbar;51843c84b37b4b058706522cf27577fbmv2&period;jpg"><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;"><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>【银行部分】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">1&period; Chase<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">checking和savings的两个加一起&dollar;500,是我第二次拿奖励,总共&dollar;500。LD是2015年下半年churn的第二次,所以今年只有<strong>我的&dollar;500<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">Chase这个开户奖励经常有,我们之前推送过不少次,比如<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;2650446542&amp&semi;idx&equals;1&amp&semi;sn&equals;40eb0c19cff66abfa2d197b6fe2e93d6&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">Chase银行开户送&dollar;500又来了!<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">2&period; BMO Harris<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">开户&dollar;250,两个人都去开了,<strong>总共&dollar;500<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">3&period; Regions Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">2016å¹´1月,开户&dollar;250,两个人都去开了,并且都用了读者小丑鱼的refer,总共&dollar;600。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">可以戳推送 -&gt&semi;&gt&semi;&gt&semi; <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;401081906&amp&semi;idx&equals;1&amp&semi;sn&equals;50488448e6d209202516455cf02468b4&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">【DEAL】regions bank开户送&dollar;250<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">4&period; TD Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">我性子太急先开的户只拿到了&dollar;150,后来奖励升级到&dollar;300,LD再去开户的,拿了&dollar;300。<strong>总共&dollar;450。<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">5&period; MT Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">LD开户<strong>拿了&dollar;150<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">6&period; Citi Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">我开户拿了50&comma;000 Thank you Point(这个奖励差点被citi赖掉,撕逼撕了好久,以后有机会聊);后来LD跳的是&dollar;400那个offer。我的TYP现金价值约&dollar;800,两个人总共&dollar;1200。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">&dollar;400的那个offer我们之前推送过,现在这个offer没有了,但是还有&dollar;300的,感兴趣的朋友也可以抓紧申请 -&gt&semi;&gt&semi;&gt&semi; <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;2650447031&amp&semi;idx&equals;2&amp&semi;sn&equals;d42043d7b996959b98f77854cc382f91&amp&semi;chksm&equals;88f483adbf830abb6a47ea1788aff50fcb235f5cb850828106480c7652bd220e125558218dda&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">CitiBank银行开户送&dollar;300(及不限量的refer奖励)<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">7&period; HSBC Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">LD开户<strong>拿了&dollar;350<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">8&period; US Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">两个人开checking各拿到了&dollar;200,之后银行又推出了smart savings的一个活动,各拿&dollar;50,<strong>总共&dollar;500<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">9&period; Fidelity<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">LD开户选的是存&dollar;25k九个月拿15k United里程,<strong>现金价值约&dollar;225<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">10&period; 中国工商银行<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">LD开户,奖励拿起来比较琐碎,各种小任务,<strong>最后到手只有&dollar;50<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">11&period; 5&sol;3银行开户<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">我自己开户,<strong>拿了&dollar;200<&sol;strong>。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">12&period; netspend和brinks<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">两个人都有,总共4个账户。上半年5&percnt;的利息作用于前&dollar;5k存款,每个季度约&dollar;62利息;下半年5&percnt;只作用于前&dollar;1k存款,每个季度约&dollar;12利息。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">总共&lpar;&lpar;&dollar;62&ast;2&rpar;&plus;&lpar;&dollar;12&ast;2&rpar;&rpar;&ast;4 &equals; &dollar;592。<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">以前介绍过 -&gt&semi;&gt&semi;&gt&semi;<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;400671077&amp&semi;idx&equals;2&amp&semi;sn&equals;5669d4eacc24e4d9bd547c9315151136&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">【懒人理财】美国5&percnt;的高息储蓄账户 &&num;8211&semi; Netspend <&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">13&period; mango money<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">两个人7月才开的账户,目前拿了约&dollar;90的利息,扣掉&dollar;3&sol;month的月费,大概净赚&dollar;60,<strong>总共&dollar;120。<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">以前介绍过 -&gt&semi;&gt&semi;&gt&semi; <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;2650446701&amp&semi;idx&equals;1&amp&semi;sn&equals;007e07c4cd8df12cc9f7c46a678a29a3&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">【理财】6&percnt;利率的mango money<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">14&period; Northpointe<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">两个人开户各&dollar;50,本身是5&percnt;的利息产品,才开户两个月不到,各自拿了利息约&dollar;30。总共&dollar;160。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">以前介绍过 -&gt&semi;&gt&semi;&gt&semi; <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;2650446722&amp&semi;idx&equals;1&amp&semi;sn&equals;7acb0801794caac64678d7a091ed7eea&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">【独家】Northpointe的5&percnt;利息存款和开户&dollar;50奖励<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">银行部分的实际收益:<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">&dollar;500&plus;&dollar;500&plus;&dollar;600&plus;&dollar;450&plus;&dollar;150&plus;&dollar;1200&plus;&dollar;350&plus;&dollar;500 &plus; &dollar;225&plus;&dollar;50&plus;&dollar;200&plus;&dollar;592&plus;&dollar;120&plus;&dollar;160 &equals; &dollar;5597<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;20px&semi;"><span style&equals;"font-size&colon;20px&semi;"><strong>【信用卡部分】<&sol;strong><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">1&period; Chase<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">和LD赶在chase家正式实行524 rule之前各自申了两张卡。他是Marriott和AARP,我是AARP和United。AARP的开卡奖励是&dollar;200;Marriott是87&comma;500点但第一年要给&dollar;85年费;United是我立刻关立刻开的&lpar;churn的第二次&rpar;,拿的是50k里程加&dollar;50 statement creditå¹´è´¹&dollar;95但第一年免。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">Marriott的点数现金价值约&dollar;790,United的里程现金价值约&dollar;750。总共&dollar;200&ast;2&plus;&dollar;790&plus;&dollar;750&plus;&dollar;50-&dollar;85 &equals; &dollar;1905。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">AARP这张卡当时是历史最好开卡奖励,我们推荐过 -&gt&semi;&gt&semi;&gt&semi; <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;401362237&amp&semi;idx&equals;1&amp&semi;sn&equals;952fbb4b952e24ec4d1ceb0020c9b90c&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">【信用卡推荐】开卡&dollar;200的Chase AARP<&sol;a>。Marriott也是历史最好开卡奖励,我们之前在高额信用卡奖励的推送里也汇总过。该卡目前这个offer还有,感兴趣的朋友欢迎走我们的推荐链接申请(也可以点击左下角的&OpenCurlyDoubleQuote;阅读全文”获取):http&colon;&sol;&sol;bit&period;ly&sol;1SA5kHD<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">关于chase的524规则的介绍,以及为什么我们两个人要在同一天申请两张chase信用卡,可以查看<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>和<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><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">2&period; Amex<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">五月份的amex历史最好offer(而且是公开链接非泄露的)我们俩都立刻跳了,各拿100k MR点。该卡年费&dollar;450,第一年不免,但航空相关报销每年有&dollar;200,等效年费&dollar;250。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">我今年还申请了Amex Blue Cash Preferred,刷到了史高&dollar;250,以及Amex Hilton Surpass的100k点,其中surpass的&dollar;75年费第一年不免。LD申请的是blue everyday的史高25k MR点和Amex Delta的50k里程加&dollar;50 statement credit,其中delta的&dollar;95年费,第一年免。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">两张白金卡的100k点数现金价值分别是&dollar;1900;blue everyday攒的也是MR点数,现金价值约&dollar;475。Hilton Surpass的点数现金价值约&dollar;500,delta的里程现金价值约&dollar;600。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">所以实际收益是&dollar;1900&ast;2&plus;&dollar;475&plus;&dollar;500&plus;&dollar;650&plus;&dollar;50-&dollar;250&ast;2 &&num;8211&semi; &dollar;95 &equals; &dollar;4880&period;<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">3&period; Citi<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">和LD各自申请了一张Citi Prestige,分别拿了50k TYP points。该卡年费&dollar;450,Citigold用户年费&dollar;350(我和老公都是),并且每年可以报销机票&dollar;250,等效年费&dollar;100。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">LD还申请了一张Citi American Airline,拿了50k里程外加两张进AA club的pass。该卡年费&dollar;95,第一年免。我呢赶着神卡ATT死之前,申请了一下,买了一个iphone 7p jet black,报销了&dollar;650;该卡年费&dollar;95,第一年不免。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">TYP点数每人的现金价值约&dollar;800,AA里程现金价值约&dollar;750。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">所以实际收益是:&dollar;800&ast;2 &plus; &dollar;750 &&num;8211&semi; &dollar;100&ast;2 &plus; &dollar;650 &&num;8211&semi; &dollar;95 &equals; &dollar;2705。<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">4&period; Discover<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">一人可以有两张discover信用卡,我申请了自己的第二张,结合双倍返现活动,总共拿了&dollar;100。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">关于该卡的介绍可以看<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;2650446892&amp&semi;idx&equals;1&amp&semi;sn&equals;ec9a5a609baeed0d46b732b993cb027c&amp&semi;chksm&equals;88f48336bf830a2036f82927b28eac2c392dfbd1a8287d83adab5e3f7662a9392eefe27bcb45&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">美国信用卡新手快速入门<&sol;a>,以及双倍返现活动的介绍<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;402096406&amp&semi;idx&equals;1&amp&semi;sn&equals;d0cee9ccd9c16f7b354fff0ea1b382e4&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">【Review】Discover的双倍返现活动<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">另外discover从2016å¹´1月开始每个月都有发免费的&dollar;10 kohls cash。我家4张卡,有7个月是每张卡都拿到了,4个月只有3张卡拿到以及有1个月只有2张卡有。所以一共拿了&dollar;420。关于这个的介绍可以看之前的 -&gt&semi;&gt&semi;&gt&semi; <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;402512026&amp&semi;idx&equals;1&amp&semi;sn&equals;4e5ff017bad13f848622ed7ffb97567d&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noopener noreferrer">Discover又来免费送钱啦!(内附Discover Deals使用指南)<&sol;a><&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">羊毛总共&dollar;520。<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">5&period; US Bank<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">我申请了一张Cash&plus;,开卡奖励&dollar;100。同一天还申请了Flexperks,赶着奥运会开卡奖励34&comma;800点,该卡年费&dollar;49,第一年免。总共约&dollar;800。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">6&period; Bank of America<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">我申请了Merrill一张,拿到了50k点,现金价值最高可以达到&dollar;1k。<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><strong><span style&equals;"font-size&colon;16px&semi;">信用卡部分的羊毛收益:<&sol;span><&sol;strong><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">&dollar;1905&plus;&dollar;4880&plus;&dollar;2705&plus;&dollar;520&plus;&dollar;800&plus;&dollar;1000&equals; &dollar;11810<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">所以,2016年,我们家一共撸了至少&dollar;17000的羊毛,月入约&dollar;1450。这样,算算还真不少呢!不过还是有点小小的遗憾,就是因为chase 524至今没有机会申请csr。希望过去的一年你们也从&OpenCurlyDoubleQuote;小钱大玩”收获了不少,欢迎分享到下面的留言区。也可以说说新的一年,你最想听&OpenCurlyDoubleQuote;小钱大玩”聊聊什么羊毛。点赞最多的朋友,我们将送出惊喜小礼物一份,价值约&dollar;50!截止日期到2017å¹´1月1日美东时间11&colon;59 pm<&sol;span><&sol;p>&NewLine;<p style&equals;"font-size&colon;16px&semi;"><span style&equals;"font-size&colon;16px&semi;">把文章分享给你的朋友,让他们赶紧为你的留言点赞吧!<&sol;span><&sol;p>&NewLine;

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