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本帖最后由 淳儿 于 2015-6-11 14:51 编辑
开卡：
CSP是我自己的第四张信用卡，前三张分别是BOA123，SPG已关，Freedom。当时信用记录11个月零20天。
但是个人和周围人的简单统计，CSP比Freedom好批准。有很多人CSP批了反而Freedom悲剧。
这个卡起步的CL是5000也就是Visa Signature。benefit看这里，比如周五买一送一电影票。https://usa.visa.com/visasignature/
优点：
1.开卡奖励: 40K+5K points. After you spend $4,000 on purchases in the first 3 months from account opening - that's $500 towards airfare or hotels when you redeem through Chase Ultimate Rewards®, Plus Earn 5,000 Bonus Points after you add the first authorized user and make a purchase in the first 3 months from account opening.
2. 旅游吃饭2X points, 吃饭方面CSP是除了季度性5%和citi forward的不二选择；旅游方面相比年费相仿的卡来说攒积分更灵活，travel insurance更好报销；租车第一保险不用让你自己的保险掏腰包
3. No Foreign Transaction Fee，回国淘宝通吃。
4. 一张低年费的装AC之间卡也不错.
5. 当然最低了说一个HP换450刀也不错哟。后面每个人对UR的价值不一样，所以也不好算一个points相当于多少cents。毕竟有时候现金为王。当然我不是说只让你换450刀statement。但是如果你算出来1.3cents per point但是你又有刚需的时候你换不换？？
［接下来原文摘抄自physixfan的博客］此卡的点数 Ultimate Rewards (UR)，与 Chase Freedom 相同。如果点数用来转为UA的航空里程，价值约为 1.6 cents/point；如果点数用来转为Hyatt的宾馆点数，价值约为 1.8 cents/point (参考 TPG)。因此其 40k+5k 的开卡 Bonus 最高价值将是$810！（这里几乎最大化了points，但是很多人不是刚需）
缺点：
1. 年费95刀，如果没有Freedom的配合，攒点缓慢。
2. 卡片太硬不好销毁。
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另外这个卡最最好的就是整个的Travel Benefit
（自己的总体感受就是：Visa不会赖账，只要你有该有的材料该有的文件，准备齐全，报销很简单。）
A. Travel Delay insurance.
If your trip is delayed by 12 hours or more, you are eligible for reimbursement of up to $500 per purchased ticket for things like lodging and meals. You must purchase the ticket using your card for the benefit.
楼主报销过一次300刀的Travel Delay，步骤比较繁琐，但是很好follow。按照表格填好，按照要求把小票什么的都准备好了之后报销很easy
B.Lost baggage insurance.
If your checked or carry on baggage is lost permanently or damaged you are eligible for up to $3,000 in reimbursement. You must file a claim within 45 days and must use the card to pay for the travel. This benefit extends to air, rail, and bus travel.
C. Trip cancellation insurance.
If you must cancel nonrefundable travel arrangements you made with the card due to serious illness or injury to you, spouse, or dependent child (under 19 years old if living at home, under 25 if a full time student), or weather that prevents you from prudently making the trip, you can be reimbursed up to $10,000.
This includes tickets purchased using reward points with the card as long as you use it to pay any associated taxes and fees. Deaths of family members (your children, parents / in laws, grandparents / in laws, aunts/uncles/nieces/nephews, guardians) also qualify. Please check with Chase for the latest terms and conditions.
D. Car rental collision insurance.
This coverage is primary, and offers insurance against damage up to the cost of most rental car vehicles. Include economy through luxury class vehicles, vans that carry less than 7 passengers, and SUVs. Rentals in any country qualify for the coverage.
楼主报销过一次租车风挡的小石子crack。步骤繁琐，但是很好follow
E. Roadside assistance.
24 hour roadside assistance including limited towing, lost key, and gas replacement is available, generally up to $50 in service value.
如果你没有AAA，这个是不错的选择
F. Lost luggage reimbursement.
You will be eligible to receive reimbursement for your checked luggage, carry-on luggage, and its contents for the difference between the “value of the amount claimed” and the Common Carrier’s payment, up to $3,000 per trip (in New York, coverage is limited to $2,000 per bag for New York residents), provided the luggage was lost due to theft or misdirection by the Common Carrier.
G. Hotel upgrades, free breakfast, and $25 credit.以前是75.现在降到了25.用这个定过Vegas的Vdara两晚总共150刀before tax，送了对着Bellagio喷泉的房子还有75的dinning credit。
The Visa Signature Hotel Collection includes hundreds of upscale hotels offering room upgrades, free continental breakfast, $25 credit, and 3pm late check-out when you use the card. Details at www.visasignaturehotels.com
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发表于 2015-6-11 13:45:11
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