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信用卡|什么是点数的现金价值?

&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p>chase家的csp今天最后一天(近期)史高奖励:<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;2650461825&amp&semi;idx&equals;1&amp&semi;sn&equals;59ac3ef0fc40ec23678f020804fe004a&amp&semi;chksm&equals;88f4c99bbf83408d859ee784299ff1f30245f29a8e96da065ae3745157da073a7ca9b8401f15&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">确认25号截止!神卡Chase Sapphire Preferred开卡奖励升级到80k点啦!!<&sol;a>,之前在发csr的史高奖励的时候(<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;2650460817&amp&semi;idx&equals;1&amp&semi;sn&equals;cc4f942f4b7bfba5bae91ad416776839&amp&semi;chksm&equals;88f4cd8bbf83449d4187708259a6e9ed949f7450d91fce46e9bd7005e732902f3efdabb209fc&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">信用卡推荐 &vert; CSR福利升级,近期史高奖励到月底结束<&sol;a>)也有读者问我,就是弄不清楚为什么奖励的是80k&sol;100k点,但我开卡奖励又说的一两千美金。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YbSScic0bLic5OxFxdVUZCwNLS3Yhib4a8ibxr8CSficwlia0ialgWerrmOibRvTxMbqfv1bAkUqibZRAhlAug&sol;640&quest;wx&lowbar;fmt&equals;png&amp&semi;wxfrom&equals;5&amp&semi;wx&lowbar;lazy&equals;1&amp&semi;wx&lowbar;co&equals;1" alt&equals;"图片"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>这里和信用卡入门的读者科普一个概念 &&num;8211&semi;&nbsp&semi;点数的现金价值。大部分时候我们会混淆,默认1 point &equals; 1 cent,因为这个是最简单的兑换比例,通常我们兑换的就是statement credits。哪怕是chase家的入门信用卡的广告(<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;2650461357&amp&semi;idx&equals;1&amp&semi;sn&equals;b9868f8b56f5da9e5555005a7f9c0eac&amp&semi;chksm&equals;88f4cbb7bf8342a139339fc9877e9bb11f551a471ef9c8c33626adfe47ef492aa2a940996e5c&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">信用卡推荐 &vert; 入门必备 Chase Freedom Family &&num;8211&semi; Unlimited &amp&semi; Flex<&sol;a>),也直接就默认,开卡给你20k点,就是给你&dollar;200:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YbSScic0bLic5OxFxdVUZCwNLXo1S0PqPhribgcHIk0ZNWBPFub3ZcibjP6diav2JXIDzCl5nmCF5PXUJg&sol;640&quest;wx&lowbar;fmt&equals;png&amp&semi;wxfrom&equals;5&amp&semi;wx&lowbar;lazy&equals;1&amp&semi;wx&lowbar;co&equals;1" alt&equals;"图片"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>可如果你点开详情仔细看,其实给的是20k点:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YbSScic0bLic5OxFxdVUZCwNL7UKw7ibZYicEufp1IPeSZzqyFTpUhgGIpicibeFkd943BVMdUmALNrx5CQ&sol;640&quest;wx&lowbar;fmt&equals;png&amp&semi;wxfrom&equals;5&amp&semi;wx&lowbar;lazy&equals;1&amp&semi;wx&lowbar;co&equals;1" alt&equals;"图片"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>但现实中,如果我们只用1 point去兑换 1 cent,那简直就是暴殄天物&&num;8230&semi;有很多方法去使用chase ur点数能让它1个点的价值要高于1 cent。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>例子1:<&sol;strong><strong>兑换苹果产品<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>持有chase ur的卡经常会有兑换苹果产品的bonus,比如csr的50&percnt; bonus,csp的25&percnt;bonus:<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;2650460430&amp&semi;idx&equals;1&amp&semi;sn&equals;5ff8ac38ebaeb97b4ef5765fec29eea5&amp&semi;chksm&equals;88f4ce14bf834702d859425c81b0825324b7eaa4429c2b16073e4ad4f5d1a8b03661d118f432&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">信用卡推荐 &vert; Chase Sapphire Reserve近期史高奖励回归!苹果产品67折换购!<&sol;a><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>那这种情况下,<strong>1 point &equals; 1&period;5 cents<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>例子2:兑换航空里程票,尤其是商务舱&sol;头等舱(又称两舱)<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>chase ur兑换最多的航司之一就是美联航united airline<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>几年前写过一篇比较详细的攻略:<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;2650447415&amp&semi;idx&equals;1&amp&semi;sn&equals;4bff2f17c6136afc0bffd3199410257b&amp&semi;chksm&equals;88f4812dbf83083b41b1521906f80a47237c21baf085c10a6dae02236c680e90b41120d7aa8c&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">【分享】用美联航里程免费享受价值一万七千美金的头等舱之旅<&sol;a><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>一张价值&dollar;17000&plus;头等舱的机票,用了120k里程,按照从chase ur 1&colon;1转到美联航的里程,chase ur用出了<strong>1 point &equals; 14&period;2 cents<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>例子3:兑换酒店<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>chase ur兑换最多的酒店之一就是万豪marriott<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>之前写过去年暑假兑换了夏威夷大岛:<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;2650459907&amp&semi;idx&equals;1&amp&semi;sn&equals;4f8655bc7f2f9e36a6383cefe8124464&amp&semi;chksm&equals;88f4d019bf83590f15fb07903310f7922fa7af119b59eb5cd421d2770f7d6e3e47c52ba6c09c&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">测评 &vert; 夏威夷酒店天花板 &&num;8211&semi; 大岛万豪Westin度假村<&sol;a><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>平均一晚上&dollar;1100,兑换了5个晚上一共花了210k万豪点数(配合万豪本身点数兑换四晚赠送一晚的活动),假设也是1&colon;1转点,那么chase ur用出了<strong>1 point &equals; 2&period;6 cents<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>别忘记了前段时间chase ur转万豪还有50&percnt; bonus,如果点数是全部从这个活动来的话,其实只花了140k ur点数,点数用出了<strong>1 point &equals; 3&period;9 cents<&sol;strong>的高价值。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>今年圣诞节我用万豪的点数兑换了马尔代夫的丽思卡尔顿,5个晚上花了600k点,一个晚上平均价值&dollar;5390,按照1&colon;1兑换来看,chase ur点数用出了<strong>1&nbsp&semi;<&sol;strong><strong>point&equals; 4&period;5 cents<&sol;strong>;如果是50&percnt; bonus活动转点来算,那就用出了高达<strong>1 point &equals;&nbsp&semi;6&period;8 cents<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;jpg&sol;KQCZicvEy5YbSScic0bLic5OxFxdVUZCwNLNkXA3xZWyia2lTa8ukd4LwaFiaIdxmwHynfxqbR8jdApSphpeyaYqe6w&sol;640&quest;wx&lowbar;fmt&equals;jpeg&amp&semi;wxfrom&equals;5&amp&semi;wx&lowbar;lazy&equals;1&amp&semi;wx&lowbar;co&equals;1" alt&equals;"图片"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>~~~~~~~~~~~~~~~~~~~<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>考虑到每个人需要用点的case不同,花点数的能力也不同;所以不一定都能用出这么高的价值,但是市面上普遍估计在1&period;5-1&period;8 cent&sol;pt左右,也就是我们说的点数的现金价值。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这里只是以chase UR为例,那么citi的TYP以及Amex的MR的算法也是类似的。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>其他两篇我觉得可能有用的科普文:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><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;2650449243&amp&semi;idx&equals;1&amp&semi;sn&equals;9d2fb07903dd4d32d41a2ec909c475e3&amp&semi;chksm&equals;88f4ba41bf833357ce117885a969019b751539203a65d5bd9fe1909b3a35aff55decbf5911a3&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">美国信用卡新手快速入门<&sol;a><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><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;2650453283&amp&semi;idx&equals;1&amp&semi;sn&equals;2736d65eb90333548d2e67ffe7adc8c1&amp&semi;chksm&equals;88f4aa39bf83232f0d98aa23e457f09fa36366c1c165659de551c0d3bef3c31916b2764057ce&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">DEAL的有效性和ymmv性<&sol;a><&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>收录于合集&nbsp&semi;&num;信用卡推荐<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>&nbsp&semi;98个<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>上一篇确认25号截止!神卡Chase Sapphire Preferred开卡奖励升级到80k点啦!!<&sol;p>&NewLine;

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