【旅行返现卡对比】CSR移除了3x Travel后谁才是性价比最高的Travel一卡流?对比CSP,UAC,WF Autograph(Journey)需要更多DP,欢迎提供

自从CSR 3x Travel死了之后,最好的替代品是什么?

CSP

茶色对于旅行类别定义应该是最广的?不过出门旅行茶色的风控还是要好于其他家,虽然也不是最优解但也可以考虑当一卡流用

以下是官网对Travel类别的定义:

Merchants in this category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.

Boa Premium

定义似乎和茶色一样也很广

The Travel category includes purchases in a wide variety of merchant categories including: airlines, cruises, hotels and resorts, amusement parks, aquariums, tourist attractions, travel agencies, buses, rideshare/taxis, passenger railways, tolls, car, RV, truck and boat rentals.

与csp相同2x,有搬砖更合算,无砖csp合算

UAC

UAR绝版了就不谈了。UAC有Travel 4x,但官网的描述很含糊:

You will earn 4 Points (1 base and 3 bonus Points) for every $1 spent on travel category purchases (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies).

注意这里只有such as,实际包括哪些不知道

不过也有人提到UAC必须made directly with,那么travel agency算不算?Transit算不算?

WF Autograph(Journey)

3x的Transit&Travel,根据反馈类别似乎很广。而Journey版本3x不包括Transit,定义窄一点

以下分别为官网条款:

Autograph
Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages.

Journey

Other Travel: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds.

考虑到WF转点伙伴拉胯,就当返现卡用了。然后安全性是不是还很差?如果是Travel类追求高收益,能不能Autograph一卡流?或者Autograph + Journey?

Make Directly With

其他make directly with的卡:

  • CSR 4x Hotel&Airline
  • Strata Premier 3x Hotel&Airline

该如何定义make directly with?一般来说就是在官网购买,其他所有第三方网站都是travel agencies。但是根据一些的dp来看,一些第三方平台比如expedia也能激活directly?具体还是要看MCC如何编码
参考ChatGPT的深度研究:


DP收录

17 个赞

叽里咕噜列好几张卡怎么全是废物啊,最高hsbc,最全+次高boa elite

23 个赞

不是为了旅行相关保险的话单就返现率而言 CSR 什么时候能上桌了 :melting_face:

2 个赞

hsbc那个要搞premier checking,很烦。最近看一个帖子好像提高要求了

起码曾经有3x Travel :cry:

0 effort
你都看到贴子了,不知道泥潭很多人有阅读障碍吗 :yaoming:

1 个赞

那也不过平均水平,剩下能溢出 3% 多少全看个人给 UR 的估值

CSR不给travel agent什么的3x了吗
怎么没读懂

我不求effect

Citi Costco

2 个赞

Bilt 在 Rent Day 支付 4x(不过有 Cap),其他时候 2x

BofA 的 Custom Cash Travel 5.25%,就是可能需要开很多张

AmEx Green 3x,就是 0.6cpp

原来这张卡的意义不是刷 Costco 自己:thinking:

追求返现的话去旅游前开个新卡吧,差这1x 2x的不如开新卡做开卡消费 :yaoming:

3 个赞

实测MTA,NJ Transit,SEPTA无论地铁区间火车都算4x,停车不算4x

4 个赞

完全忽略了coscto :joy:可惜我不用coscto会员

已经在开的路上了,刚double dip。开的差不多了有些人就是想追求稳定吧

Cash back却只能用于Costco

1 个赞

Transit 很贵吗?我的情况每天通勤,一个月的 1% 差距也就 1 刀的差距

BofA Custom Cash 选 Online,然后在线付 Transit,会给 3x(另外一提选 Online 在线订机票和景区门票也是 3x)

3 个赞

体感ink preferred travel比uar覆盖更广,而且更容易刷过国内的商家

3 个赞

HSBC非travel才1%太低了,一旦识别错误就被反撸,不适合胆小懒人。boa pre再不济也能3.1%,就是每年有100等效年费。不过hsbc保险差点,租车居然是secondary。