Chase 的Ink Plus和Ink Bold信用卡，各送5万点积分，各可兑换$500现金，还可以1比1把积分转换成航空公司的5万里程（比如，United Airlines, Southwest, British Airways, Korean Air）或5万点酒店积分（比如，Marriott），从而让您获得免费机票和免费酒店住宿。这两张卡都是很优惠的信用卡。如果你以前错过了这两张信用卡，现在抓紧申请还来得及！
Ink Plus信用卡，送5万点积分，可兑换$500现金，或5万航空里程或酒店积分
- 开卡奖励: 申请Ink Plus Business Card ，开户后3个月内消费$5000就可获赠5万点积分，可兑换$500现金或2张免费来回机票。
- 累积点数: 这张卡让您购置办公用品（比如，在Staples, Office Depot, OfficeMax购物）有5%的积分回扣，让你日常付手机，电话，宽带上网，电视的费用也有5%的积分回扣。汽车加油和酒店住宿有2%的积分回扣。
- 无境外费: 这张卡不收境外消费手续费，通常大多数的信用卡会收3%的境外消费的手续费，如果您经常到境外（中国，加拿大，等等），这张卡无形中就为您省了3%的费用。
- 里程转换: 这张卡还可让您按1比1把积分转换成航空公司的里程（United Airlines，Southwest, British Airways, Korean Air）或酒店积分（Marriott）。开户奖励5万点积分可换成航空公司的5万里程，足够兑换2张境内的来回机票（包括美国和加拿大），或Marriott（万豪国际酒店）的5万积分，足够兑换8晚的免费酒店住宿。
- 年费: 这张卡第一年无年费，第二年起年费$95。这张卡绝对物超所值，开户奖金足以抵用5年的年费，日常最常用的办公消费折扣多多，而且无境外费和里程转换的优点。这张卡并且提供免费员工信用卡，方便小型企业主。第一年无年费，让你有充足的时间考察这张卡，再决定是否保留它。
- Reward yourself with 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
- With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full
- Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- No foreign transaction fees
- Free employee cards
- 1:1 point transfer to participating travel programs with no transfer fees
- Get 20% off travel redemptions when booked through Ultimate Rewards
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 13.24% Variable | $0 Intro Annual Fee for the first year. After that, $95 |
Ink Bold信用卡，送5万点积分，可兑换$500现金，或5万航空里程或酒店积分
Ink Plus Business Card 和Ink Plus类似，也是开卡奖励5万点积分，办公用品购物有5%的回扣，积分可以按照1比1兑换成航空公司的5万里程（United Airlines, Southwest, British Airways, Korean Air）或5万点酒店积分（Marriott），不收境外使用费，第一年无年费。它和Ink Plus最大的区别是这是张每月需要按时付清账单的信用卡。
- Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
- No interest charges because it's a pay in full charge card
- Earn 5X points per dollar in select business categories
- 1:1 point transfer to leading frequent travel programs
- No foreign transaction fees
- Direct access to a live service advisor anytime
- $0 Intro Annual Fee for the first year, then $95.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $0 Intro Annual Fee for the first year. After that, $95. |
现金回扣信用卡：开卡奖励$100，加油3.3%+买菜/日用品2.2%，回扣模式固定，无年费。
BankAmericard Cash Rewards Credit Card，开卡90天内消费满$500，就可获赠$100的现金回扣。买菜/日用品和加油分别能拿到2%和3%的现金回扣，每个季度回扣项目不会变更，这让无暇厘清某些信用卡频繁轮换回扣项目的持卡者使用更加方便和清楚。其他任何消费，都能有1%的回扣，如果您选择把回扣兑换存入您在Bank of America的储蓄账户，您还将额外得到10%的奖励，也就是说买菜/日用品和加油分别能拿到3.3%和2.2%的大回扣。
- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR
- No Annual fee
- No rotating categories and your rewards do not expire
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0%* on purchases & qualifying balance transfers | 12 billing cycles* | 12.99% - 22.99% Variable* on purchases & balance transfers | None* |
巴克莱信用卡促销： 送$400开户奖金，任何购物2%回扣，12个月0%利率，第一年不收年费
Barclaycard Arrival World MasterCard 最新促销：让您3个月内消费$1000就能获赠4万点积分，可兑换成$400美金的旅游消费。而且你任何消费都有2%的回扣。这张卡还让你开卡后12个月内购物消费享受0%利率，让您今天消费，明年再还。这张卡第一年没有年费，所以您有足够的时间来考察这张卡。
- Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening - that equates to $400 off your next trip!
- 0% Introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness
- Earn 2X miles on all purchases
- No mileage caps
- Get 10% mileage back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary subscription to TripIt Pro mobile travel organizer - a $49 annual value!
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 12 months | 14.99% - 18.99% (Variable) | $0 for 1st year, then $89 |
- Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening - that equates to $200 off your next trip!
- 0% Introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based on your credit worthiness
- Earn 2X miles on travel and dining purchases
- Earn 1X miles on all other purchases
- No mileage caps
- No foreign transaction fees
- Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
- Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
- Complimentary one year subscription of TripIt Pro mobile travel organizer - a $49 value
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 12 months | 14.99% - 18.99% (Variable) | None |
最新促销：AMEX Serve预付卡，预存不透支，安全少隐患，功能信用卡化且惊喜连连。
- 开卡优势：Serve的申请是不需要费用的，并且也不需要有信用记录。
- 功能特色：拥有Serve预付卡，一方面享有运通信用卡持有者可获得的大多数优势，包括消费保护、全球协助服务以及车子的路边帮助；另一方面，它也有自己的特殊功能，享受娱乐项目交易和折扣方面的好处，包括得到预售票和预订位子，还能在购物、外出就餐、健身及其他方面有优惠时得到提醒。
- 安全可靠：预付卡特别适合小孩和青少年，他们还没有信用记录申请不了信用卡，父母可以定期预存款项，不可透支，预付卡仅仅用作一种付款中介，支持网上购物，又没有像信用卡及帐号被他人持有的隐患，让部分对使用信用卡不放心的人规避了一定的交易风险，安全可靠。
- 年费：没有年费和月费。与大多数信用卡不同，Serve卡集合了信用卡的大多数功能，却不用缴纳年费，确有相当一部分便携交易媒介持有者对信用卡没有什么好感，此时出现信用卡的这种新型替代品——预付卡，加上其没有年费的优势，大大增加它的市场可接受度。
- Free sign up and no credit check
- No monthly or annual fees
- Get the prepaid card and mobile app
- Send and receive money by email and text
- American Express safety and security
- Link a bank account, debit or credit card; add money with MoneyPak®; and use at ATMs*
- Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access
- *Terms, conditions and exclusions apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | None |
信用卡奇事：零年费信用卡，银行年年倒贴$120让你用，只要你按时付账！
BankAmericard Better Balance Rewards Credit Card 最新促销：Bank of America零年费信用卡，只要你按时付账，Bank of America每个季度奖励你$25，如果你还有别的Bank of America的帐户，比如Checking, Savings银行账户，你每个季度可以多获得$5奖励，加在一起是每季度$30，一年下来就有$120。年年如此，好比银行年年倒贴$120让你用这张信用卡！
- No annual fee
- Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. Thats up to $100 in cash rewards per year with the car
- Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account
- Low Introductory APR offer
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0%* on purchases & qualifying balance transfers | 12 billing cycles* | 11.99% - 21.99% Variable* on purchases & balance transfers | None* |
最新促销: US Airways（全美航空）信用卡，送4万飞行里程，每2万可换1张机票，折合2张免费机票
- 开卡奖励:申请The US Airways Premier World MasterCard，开户后消费一次就获赠3万飞行里程，90天之内做一次余额转账又可获赠1万里程。信用卡用户在机票兑换上还有5千里程的优惠，用2万里程就可兑换一张免费的美国来回机票（非信用卡用户要用2万5千里程），4万里程可获赠2张免费机票。
- 每年奖励:每年还可额外获赠2张的$99的携伴机票优惠券（Companion Certificate）。
- 累积点数: 这张卡让您乘坐US Airways有2%的里程回扣
- Earn up to 40,000 bonus miles on qualifying transactions
- EXCLUSIVE: Redeem flights for 5,000 fewer miles
- Zone 2 boarding on every flight
- Enjoy 2 miles per $1 spent on US Airways purchases
- Earn 1 mile per $1 spent everywhere else
- Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
- First Class check-in
- Please see terms and conditions for complete details
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Balance Transfers | 15 months | 15.99% or 24.99% variable | $49 or $89 |
Capital One Cash: 任何购物1.5%现金回扣 + 开户送$100现金奖励 + 无年费
Capital One Cash Rewards - $100 Cash Back Bonus 是您海外旅游刷卡和买大件商品的最佳选择 – 任何购物1.5%现金回扣, 开户送$100现金奖励, 没年费, 无境外使用费。
- 开卡奖励: 这张卡送$100现金奖励。
- 累积点数: 任何购物有1%返还，年底时再追加50%的现金返还，等于任何购物都有1.5%的现金返还。
- 这张卡不收年费, 而且没有境外使用费，所以你在国外旅游或出差用这张卡，就不用担心被收取额外的3%的外汇转换手续费。
- $100 bonus after you spend $500 on purchases within the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until May 2014
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases and on Balance Transfers | until May 2014 | 12.9% - 20.9% variable | $0 |
超市购物，买礼券必备Blue Cash: 开户送$150现金奖励 + 6%超市，礼券回扣 + 3%加油
Blue Cash Preferred Card from American Express 超级给力，除了让您开户有$150现金奖励，超市购物还有6%现金回扣，加油和百货公司消费3%现金回扣。在超市购买礼券最划算，有6%回扣。如果你用这张卡在超市买Amazon, Walmart，Shell, ExxonMobil, Target, Home Depot, Macy’s 礼券卡，再用礼券卡去购物，那你就自动获得6%现金回扣。
- 以一家4口为例, 如果每个月加油花$400, 超市消费$800, 百货公司消费花$300, 那么使用这张卡第1年可以有$975现金回扣, 以后每年可以有$825现金回扣.
- 虽然这张卡有$75年费, 但是确实值得申请. 只要你每星期买菜超过$25, 就可把年费赚回来，就好象你花钱买Costco的membership，但你得到更多回报。
- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required
- Terms and Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 12 months | 12.99%-21.99% variable | $75 |
- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time
- Terms and Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 12 months | 12.99%-21.99% variable | $0 |
每年的夏天是旅游旺季，美国和中国之间的机票价格更是疯涨不已。好在有几张信用卡都可帮你获得免费机票，可以帮我们省下不少钱。晒晒4种方法获得免费国际机票。
方法1：如果你飞联合航空，中国国航，Air Canada, 韩亚，全日空，可以申请联合航空信用卡和Ink Plus卡。
免费美中往返机票小贴士：如果你申请Ink Plus Business Card，额外获赠的50,000点积分，也可按1比1换成5万联合里程。 United MileagePlus Explorer Card，送你3万联合航空里程。以上两张信用卡的组合让你获赠至少8万的联合航空里程，足够换取一张联合航空或星空联盟的其他任何航空公司的飞美国和中国之间的来回机票。星空联盟包括联合航空（United Airlines），中国国际航空（Air China），加航（Air Canada），韩亚（Asiana），全日空（ANA），新加坡航空（Singapore Airlines），德国汉莎航空（Lufthansa），US Airways等27家国际航空公司。每32500的联合航空里程就可兑换一张北美和中国之间的单程机票，每6万5千里程就够换一张美中的往返机票。兑换里程详情请见联合网页。
联合航空促销: 送3万里程，足够1张美国境内往返机票。
- 开卡奖励: United MileagePlus Explorer Card 让你3个月消费满$1000，就可获得3万里程，足够1张美国境内往返机票(25000里程就够了)
- 累积点数: 日常购物每消费1美元可累积1个里程, 联合航空每消费1美元可累积2个点数
- 周年奖励: 每年消费满$25000，可获额外奖励10000里程。
- 每次旅行都可免费多托运一件行李
- 优先登机和每年两次享受联合航空的贵宾休息室
- Start with 30,000 bonus miles after your spend $1,000 in the first 3 months
- Check your first bag for free - save up to $100 per roundtrip
- Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
- Enjoy priority boarding privileges
- Visit the United Club with two one-time-use passes every year
- Use your miles for any seat, any time, on any United flight
- Your miles don't expire as long as you're a cardmember, with no limit to the number of miles you can earn
- $0 intro annual fee for the first year, then $95
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 15.24% variable | $0 intro annual fee for the first year, then $95 |
方法2：如果你飞达美航空（Delta Airlines），可以申请Starwood信用卡，Delta航空信用卡，AMEX Premier Rewards Gold Card。
Starwood Preferred Guest Credit Card from American Express，开户送新客户1万点积分，6个月内消费满$5000就可获赠额外15000点，加上消费的$5000原本就可至少挣得5000点，等于Starwood卡让你至少得3万点，最多可兑换3万5千Delta Airlines的航空里程，可获一张美国境内的来回机票或回中国的免费机票(单程)，或可兑换15晚免费喜来登住宿或$300美金的Amazon购物礼券(或GAP, Starbucks, Nordstrom, 等商家)。第1年没年费。
Starwood允许会员将奖励积分以1:1随时兑换成30多家航空公司的里程。这些航空公司包括Delta, American Airlines，Air Canada, Air China, Alaska Airline, Asiana Airlines, British Airways, China Eastern Airlines, China Southern Airlines, Japan Airlines, US Airways等，每兑换20,000 Starpoints还可获得5,000 Starpoints的奖励。3万积分共可兑换3万5千航空里程(先兑换3万里程，获赠5000 Starpoints后，再可兑换5000里程)。详情请见这里。Delta Airlines让你每3万5千航空里程就可兑换一张美国和中国之间的单程机票，这样你从Starwood信用卡中获得的35000航空里程就可从Delta Airlines兑换一张美中之间的免费机票(单程)。
- Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- That's enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
- Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels and resorts – that's 2 Starpoints for using the Card in addition to the Starpoints you earn as an SPG member. Earn 1 Starpoint for all other purchases.
- Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide — with no blackout dates
- Free Flights: redeem Starpoints on over 350 airlines with SPG Flights — with no blackout dates
- Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
- No limits on the number of Starpoints you can earn
- $0 introductory annual fee for the first year, then $65
- Terms and Restrictions apply.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| None | None | 15.24% - 19.24% variable | $0 introductory annual fee for the first year, then $65 |
Delta航空信用卡: 送30000航空里程奖励，可换成一张北美境内的免费来回机票，购买Delta机票有2%返还，享用免费托运行李
Gold Delta SkyMiles Credit Card from American Express 让您3个月内消费满$500送30000航空里程,可换成一张免费来回机票,Delta机票有2%返还，享用免费托运行李。如果你消费满$5000，你就可至少获得5千的航空里程，加上送的3万里程，总共有3万5千里程，足够兑换一张美中之间的免费机票(单程)。
- Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership
- Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent
- Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four
- Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit
- $0 introductory annual fee for the first year, then $95
- Terms and Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| None | None | 15.24% - 19.24% Variable | $0 intro annual fee for the first year, then $95 |
$250开户奖励，可换成2万5千Delta航空里程，旅游买机票3%回扣，加油和买菜有2%回扣
- 开卡奖励: American Express Premier Rewards Gold Card 让您3个月内消费满$2000，就可获赠25,000点数,可换成$250购物礼券（比如，Home Depot, GAP, Pottery Barn, Nike），也可换成25,000航空里程（比如，Delta, British Airways, Air Canada, 全日空），然后就可拿到一张北美（美国和加拿大）的免费往返机票。
- 累积点数: 购买机票有3%返还, 加油和买菜2%返还, 其余任何购物1%返还。
- 这张卡第1年不收年费, 所以您有足够的时间来考察这张卡。
如果你日常加油和买菜消费满$5000或买机票满$3334，你就可至少获得1万的Delta航空里程，加上送的2万5千里程，总共有3万5千里程，足够兑换一张美中之间的免费机票(单程)。
- Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 within one calendar year
- Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands
- Access to Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.*Underwritten by Amex Assurance Company
- Book two consecutive hotel nights through American Express Travel and receive $75 back at checkout. Restrictions may apply
- $0 introductory annual fee for the first year, then $175
- Terms and Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | Introductory annual fee of $0 for the first year, then $175 |
方法3：如果你飞美国航空（American Airlines），可以申请Starwood信用卡和美国航空的Citi Platinum Select / AAdvantage 信用卡。
Starwood Preferred Guest Credit Card from American Express，开户送新客户1万点积分，6个月内消费满$5000就可获赠额外15000点，加上消费的$5000原本就可至少挣得5000点，等于Starwood卡让你至少得3万点，最多可兑换3万5千American Airlines的航空里程，可获一张美国境内的来回机票或回中国的免费机票(单程)。第1年没年费。
Starwood允许会员将奖励积分以1:1兑换成30多家航空公司的里程。这些航空公司包括American Airlines，每兑换20,000 Starpoints还可获得5,000 Starpoints的奖励。3万点积分共可兑换3万5千航空里程(先兑换3万里程，获赠5000 Starpoints后，再可兑换5000里程)。详情请见这里。American Airlines让你每3万5千航空里程就可兑换一张美国和中国之间的单程机票，这样你从Starwood信用卡中获得的35000航空里程就可从American Airlines兑换一张美中之间的免费机票(单程)。
American Airline航空信用卡: 送30000航空里程，足够兑换成一张北美免费来回机票，享用免费托运行李
Citi Platinum Select / AAdvantage Visa Signature Card 3个月内消费满$1000送30000航空里程,足够兑换成一张北美免费来回机票,American Airlines机票有2%返还，享用免费托运行李。如果你消费满$5000，你就可至少获得5千的航空里程，加上送的3万里程，总共有3万5千里程，足够兑换一张美中之间的免费机票(单程)。
- Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
- Your first eligible checked bag is free*
- Priority Boarding with Group 1 privileges* and 25% savings on eligible in-flight purchases*
- Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
- Double AAdvantage® miles on eligible American Airlines purchases*
- Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 15.24% variable* | $95, waived for first 12 months* |
方法4：如果你飞大韩航空（Korean Air），可以申请Ink Plus卡，SKYPASS Visa Signature Credit Card。
小贴士：如果你申请Ink Plus Business Card，开户后3个月内消费$5000就可额外获赠5万点积分，加上消费的$5000原本就可获得至少5000积分，这样至少可获55,000点积分，也可按1比1换成5万5千Korean Air的里程。如果你申请大韩航空的SKYPASS信用卡，还可额外获赠1万5千飞行里程。以上两张信用卡的组合让你获赠7万大韩航空（Korean Air）的飞行里程，足够换取一张Korean Air的飞美国和中国之间的来回机票。每7万的大韩航空里程就可兑换一张北美和中国之间的来回机票。兑换里程详情请见大韩航空网页。
大韩航空的SKYPASS Visa Signature: 消费一次就送15000航空里程，航空里程可用来兑换SkyTeam联盟的其他航空公司（包括Delta, Alaska Airlines）的机票。
- Get up to 15,000 Bonus Miles after your first purchase
- Earn 1 mile for every $1 you spend in net purchases
- Double Miles on Korean Air ticket purchases
- Redeem miles for award travel and upgrades on any SkyTeam partner, including Korean Air and domestic carriers such as Alaska Airlines and Delta Air Lines
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 12.99% - 19.99%* (Variable) | $50 or $80 |
Ink Cash商业信用卡，送$200现金
- 开卡奖励: Ink Cash Business ，开户后3个月内消费$3000就可获赠$200现金。
- 累积回扣: 这张卡让您在办公用品商店（比如，Staples, Office Depot, OfficeMax）里的购物或消费有5%的现金回扣，让你日常付手机，电话，宽带上网，电视的费用也有5%的现金回扣。汽车加油和酒店住宿有2%的积分回扣。
- 无境外费: 这张卡不收境外消费手续费，通常大多数的信用卡会收3%的境外消费的手续费，如果您经常到境外（中国，加拿大，等等），这张卡无形中就为您省了3%的费用。
- 年费: 这张卡无年费。
- Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
- 0% introductory APR for 6 months on purchases and balance transfers
- No annual fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases and on Balance Transfers | 6 months | 13.24% Variable | None |
Capital One Spark Cash信用卡，送$100现金，任何购物2%现金回扣
- 开卡奖励: Capital One Spark Cash for Business ，开户后3个月内消费$1000就可获赠$100现金。
- 累积回扣: 这张卡让您任何购物有2%的现金回扣。
- 无境外费: 这张卡不收境外消费手续费，通常大多数的信用卡会收3%的境外消费的手续费，如果您经常到境外（中国，加拿大，等等），这张卡无形中就为您省了3%的费用。
- 年费: 这张卡第一年无年费，第二年起年费才$59。这张卡绝对物超所值，开户奖金可抵用约2年的年费，所有购物的2%回扣远远多于别的信用卡。第一年无年费，让你有充足的时间考察这张卡，再决定是否保留它。
- Earn 2% cash back on every purchase, every day
- Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
- Receive a $50 cash bonus by signing up for one or more employee cards
- Enjoy award-winning small business customer service
- $0 intro annual fee for the first year; $59 after that
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that |
送4万点希尔顿积分，可兑换5晚免费希尔顿酒店住宿，没有年费
Citi Hilton HHonors Visa Signature Card 送4万点希尔顿积分，可兑换5晚免费希尔顿酒店住宿，没有年费。详情请见这里。
Hilton HHonors Points Needed for 1 Free Hotel Night, by Hotel Category
|
Category 1 |
Category 2 |
Category 3 |
Category 4 |
Category 5 |
Category 6 |
| 1 Free Night |
7,500 |
12,500 |
25,000 |
30,000 |
35,000 |
40,000 |
- Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
- Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
- Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
- Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases.*
- No Annual Fee.*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 14.24% or 16.24%* (Variable) | $0* |
15个月0%利率购物借贷和余额转帐信用卡, 不收余额转帐费
Slate from Chase - No Balance Transfer Fee 让您享用15个月0%利率购物借贷和余额转帐, 而且不收余额转帐费，也没年费：No Balance Transfer Fee with 15 Months 0% Interest on Purchases and Balance Transfers + No Annual Fee。您如果今天用这张卡把其它高利率的信用卡和个人贷款的余额转过来，可以等到明年夏天再慢慢还清。
- Click "APPLY HERE" to apply online or call 888-654-2080
- Introductory Offer - No Balance Transfer Fee!*
- Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
- 0% Introductory APR for 15 months on purchases and balance transfers!*
- Avoid interest and pay down balances faster with free Blueprint® features*
- Patented Fraud Protection and zero liability on unauthorized purchases*
- Add an additional card user to your Slate account at no extra cost*
- No Annual Fee*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases and on Balance Transfers | 15 months | 11.99% - 21.99% Variable | None |
18个月0%利率购物借贷和余额转帐信用卡, 不收费
Citi Simplicity Card MasterCard 让您享用18个月0%利率购物借贷和余额转帐借贷, 并且不收迟付罚款，这张卡也没有年费- No Late Fees and No Penalty Rate。如果您事物繁忙，偶尔会误了付款日期，这张卡还可以让您免受罚款的苦恼。
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Balance Transfers and Purchases* | 18 months* | 12.99% - 21.99%* (Variable) | $0* |
18个月0%利率购物借贷和余额转帐信用卡, 不收费
Citi Diamond Preferred Card 也让您享用18个月0%利率购物借贷和余额转帐借贷，这张卡也没有年费。
- Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%- 21.99% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer
- Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item
- Let our 24/7 concierge service help book your hotel rooms, flights and more
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0%* on Balance Transfers and Purchases* | 18 months* | 11.99%-21.99%* (Variable) | $0* |
Capital One Cash Rewards for Newcomers: 专为新移民和新生设计的信用卡, 没有年费
Capital One Cash Rewards for Newcomers 专为新移民设计，让您旅游消费可挣得2%现金回扣, 其他消费1%现金回扣, 而且没有年费, 没有境外使用费.
- A card designed to help those new to the U.S. establish credit and earn cash back
- Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
- Get 2% cash back on travel purchases
- Earn 1% cash back on all other purchases
- No foreign transaction fees
- No annual fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 24.9% variable | $0 |
想了解更多的信用卡吗? 请点击这里比较美国信用卡。如果您想查找加拿大信用卡，请参考加拿大专栏: 加拿大信用卡送$125开户奖金，5%回扣，免费机票! ，或点击这里比较加拿大信用卡。
