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?
U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD
With the U.S. Bank Altitude® Connect Visa Credit Card you can earn up to 4X in credit card rewards. Points for travel, gas, a streaming bonus. Apply today.
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.
Compare Wells Fargo Autograph Credit Cards | Wells Fargo
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:

Shared Content
ChatGPT 可帮助你获取答案、寻找灵感并提高工作效率。
DP收录
实测MTA,NJ Transit,SEPTA无论地铁区间火车都算4x,停车不算4x
UAC携程订酒店有4x
