<p>ä¹åå¾å¤å°ä¼ä¼´ä»¬åè¯æï¼ä»ä»¬ç©ä¿¡ç¨å¡ä¸è¬é½æè³å°åå¹´çè³ä¸å¹´äºãä½å¤§é¨åæ¶å主è¦æ¯éè¿åç±»çé±å¿«æ¥æ¥äºè§£æä»ä¹å¥½å¡æè¿å¼å¾ç³è¯·ï¼ç¶åå°±é大æµè·çç³äºï¼ä¹ä¸ç¥éå ·ä½å¡å¥½å¨åªéï¼ç³è¯·äºä»¥ååºè¯¥æä¹ç¨ã</p>
<p>å ¶å®ï¼èèå§æ¬äººç°å¨æ¯ä¸æä¹ççé±å¿«æ¥çãä»ä»¬è´è´£ä¿¡ç¨å¡è¿çåçå°ç¼ä»¬å¤§é¨åæ¶åå欢ç¨å±å¤´æ¥åå¾ç¼çï¼å¯¹ä¿¡ç¨å¡çä»ç»æ¢ä¸åç¡®ä¹ä¸è´è´£ãå ·ä½å°±ä¸å槽äºï¼å 为èªå·±åæ¥çæ¶åä¹å¨é£äºå¿«æ¥é£é被忽æ è¿ãæ以å¢ï¼æ¬çå¤å享ç¹ç»éªï¼è®©å«äººå°èµ°ç¹å¼¯è·¯çæ³æ³ï¼”å°é±å¤§ç©“ä»ä»å¤©å¼å§ä¼å¯¹ç¾å½ä¿¡ç¨å¡çä¸å¤§ç¹æ°ç³»ç»è¿è¡ç³»ç»ç讲解ï¼ä»ä»¬åå«æ¯AMEXçMR, ChaseçURåCitiçTYPã</p>
<p>é¦å ä»ç¸å¯¹å·é¨ä¸äºçAMEXçMRå¼å§ä»ç»ã</p>
<p><!--more--></p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/08/45d1e-2f0052_833af620b1464a60bde1422446342811.png" width="80.58739078844414%" /></p>
<p><strong>0. åè¨</strong></p>
<p>ä¹åèèå§å·²ç»ä»ç»è¿äºä¹°èå¡Blue Cash Everyday (BC)åBlue Cash Preferred (BCP)ï¼ä»¥åè¿éç¥å¡SPG(å ·ä½å 容å¯ä»¥åå°å夔信ç¨å¡å ¥é¨1“å”SPG“äºè§£)ï¼ä½ä»ä»¬çç¹æ°é½ä¸æ¯membership rewardsï¼å两è æ¯cash backï¼åè æ¯SPGç¹æ°ãæ¬æä»ç»ç¾å½è¿éAmerican express MRç³»åä¿¡ç¨å¡ãAmerican Expressæèªå·±çç¹æ°å为两类ï¼ä¸ç±»æ¯åºæ¬çMembership Rewards Expressï¼å¯¹åºçå°±æ¯BCåBCPçcash backï¼è¿ä¸ªç¹æ°åªè½å ç°ï¼å¦å¤ä¸ç±»å°±æ¯æ¬æè¦è®²çMembership Rewardsãä»åCiti ThankYou Points(TYP), SPG, Chase Ultimate Rewards(UR)并å为å大积åç³»ç»ã个人认为ï¼MRç¹çä»·å¼æ¬¡äºSPGï¼åURç¹å·®ä¸å¤ï¼é«äºTYPç¹ãä»·å¼å¤§æ¦å¨1.5-1.6cent/pointãå ·ä½å¦ä½ä½¿ç¨MR积åï¼æä¼å¨ä¸ä¸ç¯æç« ä¸éè¿°ã</p>
<p>Amexç°å¨çè§å®æ¯ï¼ææ个人å¡æ¯äººä¸çåªè½æ¿ä¸æ¬¡å¼å¡bonusï¼ä¸è¿business cardé¤å¤ãæçæ³è¥å¹²å¹´ä»¥åamexåç°å®¢æ·å¤§éæµå¤±ï¼ä¹è®¸ä¼æ¹è¿ä¸ªchurnçè§å®ï¼ä¹åchaseå°±æä¸çä¸æ¬¡æ¹ä¸º2å¹´ä¸æ¬¡ï¼ãç°å¨amexå¨ä¿¡ç¨å¡è¿å被citiåchaseæå¾æ¯«æ è¿æä¹åï¼å½ç¶è¦å¥½å¥½åé¦æ们è¿äºç¨æ·å¦ï¼è®©æ们åå°è¿éçææ±ç»§ç»Churnååã</p>
<p><strong>1. é¦å å举å¯ä»¥è½¬MRç¹çå «å¼ ä¸ªäººä¿¡ç¨å¡</strong></p>
<ul>
<li>Premium Rewards Gold (ä¿ç§°PRG)</li>
<li>Everyday (ä¿ç§°ED)</li>
<li>Everyday Preferred (ä¿ç§°EDP)</li>
<li>Platinum (ä¿ç§°è¿éç½é)</li>
<li>Centurion (ä¿ç§°è¿éé»å¡ï¼ç¾å¤«é¿å¡)</li>
<li>Mercedes-Benz (ä¿ç§°å¥é©°èåå¡)</li>
<li>Gold ï¼ä¿ç§°éå¡ï¼æ³¨æåPRGåºå«ï¼</li>
<li>Green ï¼ä¿ç§°ç»¿å¡ï¼</li>
</ul>
<p>èµMRç¹çä¸å¤§å©å¨å°±æ¯PRG, EDåEDPãåå«çéä»ç»</p>
<p><strong>2. Amex PRG</strong></p>
<p>PRGå¼å¡å¥å±25k MRï¼å¹´è´¹$175ã第ä¸å¹´å å¹´è´¹ï¼æ以æ¯å ¸åä¸å¹´å¡ï¼ãä¹°èåå æ²¹2å积åï¼å®ç½ç´æ¥ä¹°æºç¥¨3å积åã</p>
<p>ä»2015å¹´6æ1å·å¼å§ï¼è¿å¼ å¡å°åçååï¼1.å¢å å¹´è´¹å°$195 ï¼ä¾æ§å 第ä¸å¹´ï¼, åæ¶å¢å æ¯ä¸ªcalendar year $100çé£æºincidental feeæ¥é 2. åé¥ä¹å为2å积å 3.å é¤å¤æ±è½¬æ¢è´¹ï¼åé¢ç®ç§°”å¤è½¬“ï¼ã</p>
<p>ä»ä¹æ¯incidental fee? å®å æ¬åè±è´¹ï¼æè¿è¡æè´¹ï¼æºä¸é¤é£è´¹ï¼ä¸å«wifiï¼,ä¼æ¯å®¤è´¹ãæ人说买UA AA DLå°é¢gift cardä¹è½æåæ¥éï¼ä½æ¯YMMVï¼ æ¯å¹´éè¦æå®ä¸ä¸ªç¾å½èªç©ºå ¬å¸ï¼ç¬¬äºå¹´å¯ä»¥æ¢æå®çèªç©ºå ¬å¸ã æ以å¦æç°å¨ä½ ç³è¯·è¿å¡ï¼ä¸ä» 第ä¸å¹´ä¸ç¨ä»å¹´è´¹ï¼èä¸6-1å°12-31ä¹é´å¯ä»¥æ¸$100ï¼æ°å¹´1-1å¼å§ååå¯ä»¥æ¿$100åï¼ç¨³èµä¸èµãå¦æå·å¾é¢åº¦å¤å¤§ï¼å¾å®¹æè¦å°retention offerï¼ç»å¸¸ä¼ç»å¥½å ä¸çMRç¹ï¼çäºåchurnäºä¸æ¬¡ã</p>
<p>亮ç¹ï¼åé¥ï¼ä¹°èï¼ä¹°æºç¥¨ï¼æ å¤è½¬ï¼ç¬¬ä¸å¹´æ²¡å¹´è´¹</p>
<p>缺ç¹ï¼è¿äºç¬¬ä¸å¹´åæè§æ§ä»·æ¯ä¸è¬ã</p>
<p><strong>3. AMEX Everyday</strong></p>
<p>注æä¸è¦æè¿å¼ å¡åBlue Cash Everydayææ··æ·äºï¼è¿å¼ å¡çå¤è¡¨å°±æ¯æBlue Cashçèè²åç½åéæï¼ è½ç¶ççcheapï¼ä½åè½å´å¼å¸¸å¼ºå¤§ã</p>
<p>æ人ç»å¸¸é®ï¼æ没æä¸è¦å¹´è´¹çéç¨å¡ï¼çæ¡æ¯æï¼è¿å¼ å¡æ¯ç¾å½å¯ä¸çä¸è¦å¹´è´¹çå¯ä»¥1ï¼1转éç¨çä¿¡ç¨å¡ãå¦æä¹åä½ æPRGçMRç¹ï¼è¿ä¸æ³é©¬ä¸ç¨æï¼é£å¯ä»¥ç³è¯·EDä¿¡ç¨å¡ï¼å¼å¡å¥å±10k MRç¹ãAmexä¼èªå¨æä½ åä¸çææMRç¹å并起æ¥ï¼è¿æ ·å°±å¯ä»¥æ¾å¿å ³PRGåå«çå¹´è´¹å¡äºãEDå¡çç¹ç¹å¦ä¸ï¼è¶ å¸2å积åï¼å ¶ä»æ¶è´¹1å积åï¼å¦æä½ æ¯ä¸ªæç¨æ»¡20次ï¼é£ä¼å¤20%çbonusï¼å为æ®éæ¶è´¹1.2å积åï¼è¶ å¸æ¶è´¹2.4å积åãæ£å¦ä»çååeverydayï¼amexå¸æ大家ä¸è¦ç»å¸¸churnä¿¡ç¨å¡ï¼èæ¯ç»å¸¸ä½¿ç¨ä»è·å¾é¢å¤ç¹æ°ãæ人é®æä¹æè½å·å°è¿ä¹å¤æ¬¡æ°ï¼ä¸ä¸ªå¾å¸¸ç¨çåæ³å°±æ¯å»ATTç½ç«ä¸äº¤çµè¯è´¹çæ¶åæ ¢æ ¢åå¤æ¬¡å·ã</p>
<p>ä¼ç¹ï¼æ²¡å¹´è´¹çéç¨å¡ï¼æäºå®ä½ çMRç¹æ°¸è¿ä¸ä¼è¿æãä¹°èå°ç¥å¡ã</p>
<p><strong>4. Amex EDP</strong></p>
<p>æ¤å¡æ¯EDçå级çï¼æ³¨æä¸è¦åBlue Cash Preferred (BCP)ææ··æ·ãé¿å¾ä¹åBCPå·®ä¸å¤ï¼å°±æ¯æBCPåç½åéæãå¹´è´¹$95, 第ä¸å¹´ä¸å å¹´è´¹ãå¼å¡å¥å±15k MRç¹ãè¶ å¸æ¶è´¹3å积åï¼å æ²¹2å积åï¼æ®éæ¶è´¹1å积åãå¦ææ¯ä¸ªæå·æ»¡30次ï¼é£ä¼å¤50%çå¥å±ï¼ä¹å°±æ¯è¶ å¸æ¶è´¹4.5å积åï¼å æ²¹3å积åï¼æ®éæ¶è´¹1.5å积åãè®°ä½ï¼è¿äºç§¯åæ¯å¯ä»¥è½¬éç¨çï¼</p>
<p>ä¼ç¹ï¼ç¯çç累积éç¨ï¼ä¹°èç¥å¡ãè¶ å¸4.5åï¼å æ²¹3åï¼æ®é1.5åã</p>
<p>缺ç¹ï¼ç¬¬ä¸å¹´å¹´è´¹ä¸å ï¼å¼å¡å¥å±ç¥å°ï¼æ¯æ30次æç¹éº»ç¦ã</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/08/6479c-2f0052_a642474033554fda97c87a432bb4cabd.jpg" width="77.36389515690637%" /></p>
<p><strong>5. å ¶ä»çAMEX MRç³»åçå¡ï¼ç²ç¥ä»ç»ï¼</strong></p>
<p><strong>(a) Amex Platinum</strong></p>
<p>å¼å¡40k MRï¼å¹´è´¹$450, ä½æ¯ä¸ªcalendar yearå¯ä»¥æ¥é$200çincidental feeï¼ä¸»è¦äº®ç¹æ¯éSPGéå¡ï¼PPSä¼æ¯å®¤ï¼ è¿éç§é¶ä¼æ¯å®¤ï¼æ²¡å 家ï¼åDLä¼æ¯å®¤ï¼å è´¹bingo wifiï¼ Hotel Collectionä¼æ è¿æFHRé åºä¼æ ãæ¾ç»æ¯ä¸é«ç«¯å¡ä¸çç¿æ¥ï¼è¿å¹´æ¥ä¸¢å¤±äºAAä¼æ¯å®¤ï¼å½æ³°éå¡çå¤ä¸ªç¦å©ï¼éæ¸è¢«chaseçRitz-CarltonåCitiçprestigeè¶ è¿ï¼ä¸ªäººè®¤ä¸ºä»çæ§ä»·æ¯å·²ç»è¿è¿è½åäºCitiçprestigeäºãæ¾ç»åºè¿100k MRç¹ï¼å¤§å®¶å¤§å¯ä»¥çæ100k offerçæ¶ååç³ã</p>
<p>ä¼ç¹ï¼æ å¤è½¬ï¼åç§ç¦å©</p>
<p>缺ç¹ï¼å¹´è´¹ç¥é«ï¼ç¬¬ä¸å¹´ä¸å ï¼æ²¡æå¥é¢å¤bonus</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/08/e8570-2f0052_65ffa6ef0d164b69afdeed26968dc6f5.png" width="100%" /></p>
<p><strong>(b) Amex Centurion</strong></p>
<p>第äºå¼ å¡ä¹å°±æ¯ä¿ç§°çé«å¸ å¯è¿éé»å¡ï¼å¼å¡è´¹å°±è¦$7500ï¼å¹´è´¹é«è¾¾$2500ãééè¾¾ç¾ï¼å½æ³°åä¸ç³»åé åºçé«çº§ä¼åãå¼å¡æ¡ä»¶å¿ é¡»ä¹åä¸å¹´ç½éå¡æ¶è´¹æ»¡$250kï¼å¹¶æå¡ä¸å¹´ä»¥ä¸ï¼èä¸è¦è¢«amexéä¸é请æè½ç³è¯·ãæ¤é«å¸ å¯å¡è·ç¦»æ们太é¥è¿ï¼ä¹æ²¡æå ¬å¼çç³è¯·é¾æ¥ï¼æ ä¸è®¨è®ºã</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/08/927c2-2f0052_0553f493bd684b409b7f90533f98e313.jpg" width="72.52865170959971%" /></p>
<p><strong>(c) Mercedes-Benz</strong></p>
<p>第å å¼ å¥é©°å¡æ¯å¹´è±è´¹$5000以åå¯ä»¥æ¿å°$500ç¨æ¥ä¹°å¥é©°ï¼æ¯å¹´è¿æ$50åå¯ä»¥ç¨æ¥ä¹°å¥é©°é¶ä»¶ãå¹´è´¹$95ï¼ç¬¬ä¸å¹´ä¸å ãå¦æä½ ä¸æ³ä¹°å¥é©°ï¼é£è¿å¡æä¹ä¸å¤§ã</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/08/9e22e-2f0052_ce3c76d50c33498da804bf435e2232cf.jpg" width="48.35243447306648%" /></p>
<p><strong>(d) &; (e) gold &; green</strong></p>
<p>第ä¸åç¬¬å «å¼ å¡GoldåGreenå®å¨æ²¡å¥ææï¼é½æå¹´è´¹ï¼$125å$95ï¼åè å 第ä¸å¹´å¹´è´¹ï¼åè ä¸å ï¼ï¼å´æ²¡æä»»ä½å¼å¡bonusæè category bonus, 被æ¢æå¼å¡bonusï¼å没æå¹´è´¹åå¯ä»¥å¤å累积ç¹æ°çamex everydayç³»åçå¾ä½æ å®è¤ãä¸è¿è¦æ³¨æçæ¯ï¼æäºåå¦ç»å¸¸æ¶å°Goldçtarget offerï¼ææ¶åæé«è¾¾50kçMRç¹ï¼è¿ç§æ åµä¸æ¯é常å¼å¾ä¸è¯çã</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/08/096cb-2f0052_57f4ea54db6741cb9e717d5d93266449.png" width="58.02292136767977%" /></p>

美国信用卡三大点数系统入门(1) | 什么是AMEX的MR?
