银行叫板奥巴马,信用卡加码送$500,机票,6%回扣!

加拿大专栏: 加拿大信用卡送$250开户奖金，5%回扣，免费机票!

自从奥巴马属下的五角大楼信用社推出5%机票回扣的PenFed Premium Travel Rewards和5%加油回扣的PenFed Visa Gas信用卡，各大银行也不甘示弱，纷纷加大信用卡优惠力度。

Chase Sapphire Preferred Visa Card - $500 Cash Bonus for Travel
新用户可获得40,000点积分，可兑换$500现金（旅游消费）或40,000航空里程，旅游餐馆2%回扣, 没有境外使用费, 第1年没有年费.

• 3个月内消费满$3000就送40,000点积分，可兑换$500现金（旅游消费）或40,000航空里程, 40,000里程可以1:1转到您的United Airlines，Southwest，British Airways航空公司常飞旅客帐户
• 如何获得免费回国机票(小贴士)：先申请Chase Sapphire Preferred Visa Card，转到United Airlines，可得4万里程。再申请United Explorer Card，刷卡一次就有25000里程。这样总共有65000里程，正好可以兑换一张回国来回机票。

Chase Sapphire PreferredSM Card Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards! 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate RewardsSM No foreign transaction fees Receive a 7% Annual Points Dividend on all new points earned on purchases – even on points already redeemed 1:1 point transfer to participating frequent travel programs Direct access to expert service advisors anytime Introductory Annual Fee of $0 the first year, then $95 Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 15.24% Introductory Annual Fee of $0 the first year, then $95

Chase Ink Plus Business - $500 Cash Bonus
最新商业信用卡，新用户可获得5万点积分，共可兑换$500现金，办公用品和通讯5%回扣, 第1年没有年费.

• 新用户可获得25000点积分，3个月消费满$10000可再获25000点积分，共可兑换$500现金.
• 办公用品和通讯（电话，手机，网络，电视）5%回扣, 加油和酒店住宿2%回扣。
• 没有境外使用费, 第1年没有年费
• 这是最佳的商业信用卡, 最适合small business owners.

Ink PlusSM Business Card 25,000 bonus points after your first purchase - That's $250 in rewards of your choice. Plus, 25,000 additional bonus points after you spend $10,000 within 3 months of opening your account, and points do not expire 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 Transfer points you've earned to participating frequent travel programs 1:1 at a value Save with a 0% Intro for 6 months on purchases and balance transfers Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on purchases and on balance transfers 6 months 13.24% variable $0 Intro fee for the first year. After that, $95

申请American Express Premier Rewards Gold Card, 送25000点数, 点数可直接用来购买Amazon商品, 或换成$250礼券, 或以1：1兑换成25000航空里程转到Delta, British Airways, Air Canada等航空公司的常飞旅客账户，然后就可拿到一张北美（美国和加拿大）的免费机票。

American Express Premier Rewards Gold Card - 送$250各大商家礼券
3个月内消费满$2000送25000点积分,可转成$250礼券或25000航空里程（可换一张免费机票）。机票有3%返还, 加油和买菜2%返还, 其余任何购物1%返还。

• 3个月内消费满$2000送25000点数, 可换成$250各大商家礼券, 包括Coach, Home Depot, GAP, iTunes, Pottery Barn, Kohl’s, 等商店。
• 点数换里程：点数可以1：1转到十几家航空公司的里程账户，如Delta, British Airways, JetBlue, Air Canada等等。25000点可转成25000里程，再可兑换一张北美来回机票。
• 点数直接购买Amazon商品：点数还可以用来直接购买Amazon的商品. 只要把你的American Express 的帐户和Amazon账户相连即可.
• 这张卡让您机票有3%回扣, 加油和买菜有2%回扣, 其余任何购物有1%回扣.
• 这张卡第1年不收年费, 所以您有1年的时间来考察这张卡到底对您有没有帮助.

American Express® Premier Rewards Gold Card Earn More: earn 25K Membership Rewards® points when you spend $2,000 during your first three months of Card membership; earn 15K points when you spend $30,000 within one calendar year Earn Fast: Earn triple points on airfare, double points on gasoline at U.S. stand-alone gas stations, double points at U.S. stand-alone supermarkets, and single points on other purchases Points are earned only on eligible purchases Travel Rewards: use Pay with Points to book flights, cruises, hotels and vacations packages with no seat restrictions or blackout dates on americanexpress.com/travel Redeem with Flexibility: use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands Access to Protections: enjoy the Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty*, Purchase Protection*, and Return Protection. *Underwritten by AMEX Assurance Company Access Gold Card Events: select concerts, shows, major sporting events, and more $0 introductory annual fee for the first year, then $175 Terms and Restrictions Apply Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A N/A $0 introductory annual fee for the first year, then $175

物价天天涨, 选择Blue Cash Preferred Card, 4口之家1年省上$2000不是问题

Blue Cash Preferred from American Express - $150 Cash Bonus
超市购物6%现金回扣，加油和百货公司消费3%现金回扣

• 这张卡让您开户有$150现金奖励, 超市购物有6%现金回扣, 在超市买礼券最划算, 也有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。只要超市里买得到的礼券卡，你都有6%回扣，这张卡等于让你所有购物（超市，百货，服装，加油）都拿到6%回扣。
• 以一家4口为例, 如果每个月购物消费$3000（超市，百货，加油，等），那么使用这张卡用超市购买礼券的方式，每个月可获得$180的现金回扣，第1年可以有$2310现金回扣 ($180 * 12 + $150), 以后每年可以有$2160的现金回扣.
• 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。$75其实就像Costco的membership，它让你获得更高的回报。
• 如果您坚持要没有年费的卡,可以考虑姊妹卡Blue Cash from American Express。这张卡开户送$100现金, 超市购物有3%现金回扣, 加油和百货公司消费有2%现金回扣. 第1年也能赚$1000。

Blue Cash PreferredSM Card from American Express Earn $150 cash back in Reward Dollars when you spend $1,000 in the first three months of Cardmembership Get 6% cash back at U.S. stand-alone supermarkets, 3% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases. Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required. Referral Bonus: Recommend the Blue Cash Preferred Card to your friends and earn 75 Reward Dollars for each friend approved for the Card. There is no limit to how many friends you can refer. An annual fee that can pay for itself: With 6% cash back at supermarkets, if you spend $25 per week at your supermarket, you can earn over 75 Reward Dollars per year and your $75 annual fee will pay for itself. Terms and Restrictions Apply Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases 12 months 17.24% - 22.24% variable $75

Blue Cash EverydaySM Card from American Express Earn $100 cash back in Reward Dollars when you spend $1,000 in the first three months of Cardmembership Get 3% cash back at U.S. stand-alone supermarkets, 2% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases. Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required Referral Bonus: Recommend the Blue Cash Everyday Card to your friends and earn 25 Reward Dollars for each friend approved for the Card. There is no limit to how many friends you can refer. No annual fee, 0% intro APR on purchases for 12 months with flexibility to pay over time Terms and Restrictions Apply Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases 12 months 17.24% - 22.24% variable None

Gold Delta SkyMiles Credit Card
3个月内消费满$500送25000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。

Gold Delta SkyMiles® Credit Card from American Express Bonus Miles: earn 30,000 bonus miles toward Award Travel when 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: up to 9 people in your reservation can each save up to $50 on round-trip Delta flights Premium Travel Perks: settle in sooner with Priority Boarding, and enjoy the skies with 20% off in-flight savings to use toward meals, beverages, and movies $0 introductory annual fee for the first year, then $95 Terms and Restrictions Apply Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 15.24% - 19.24% Variable $0 intro for first year, then $95

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。

Citi® Platinum Select® / AAdvantage® Visa Signature® Card 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* 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* Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 15.24% variable* $95, waived for the first 12 months*

Chase Freedom Visa/MasterCard - $100 Bonus Cash + 5% Cash Back
3个月内消费$500送$100现金奖励. 7月-9月： 加油, 餐馆消费5%现金回扣. 10月-12月酒店,航空, BestBuy, Kohl's 5%现金回扣. 这张卡无年费.

If you are also a Chase checking customer, you will earn a 10% bonus on all points earned each month, plus 10 points per purchase transaction.

Chase Freedom 5% Cash Back Categories for 2012:
Jul-Sept: Gas Stations, Resturants
Oct-Dec: Hotels, Airlines, Best Buy, Kohls

Chase Freedom® Visa Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 15 months on purchases and balance transfers 5% Cash Back on up to $1,500 spent at hotels(on hotel rooms purchased directly with the hotel), airlines(on tickets purchased directly with the airline), Best Buy® and Kohl's® from 10/1/12 – 12/31/12 You'll enjoy new 5% categories every 3 months like gas stations, restaurants and more. It's free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchases Up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases and on Balance Transfers 15 months 12.99% - 22.99% Variable* None

Chase Freedom® MasterCard Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 15 months on purchases and balance transfers 5% Cash Back on up to $1,500 spent at hotels(on hotel rooms purchased directly with the hotel), airlines(on tickets purchased directly with the airline), Best Buy® and Kohl's® from 10/1/12 – 12/31/12 You'll enjoy new 5% categories every 3 months like gas stations, restaurants and more. It's free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchases Up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases and on Balance Transfers 15 months 12.99% - 22.99% Variable None

海外旅游刷卡和买大件商品的最佳选择： Capital One Cash

Capital One Cash MasterCard - 任何购物1.5%现金回扣 + 开户送$100现金奖励(No Foreign Transaction Fee)
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, 是海外旅游刷卡和买大件商品的最佳选择.

Capital One® Cash Rewards - $100 Cash Back Bonus $100 Bonus after you spend $500 in 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 August 2013 Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases and on Balance Transfers until August 2013 12.9% - 20.9% variable None

信用分数不是最好？那就申请最容易批准的加油，餐馆消费卡: Discover Open Road Card

Discover Open Road Card
加油和餐馆用餐2%回扣, 没年费

Discover® Open Road Card 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* 2% automatically at gas stations and restaurants all year long* Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com Discover is ranked #1 in customer loyalty - 16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases and on Balance Transfers* 15 months 10.99% - 20.99% (Variable)* None

Starwood Preferred Guest Card from American Express
限时促销（9月3日截止）：送3万点积分，轻松拿15晚免费喜来登住宿,点数可以1:1随时兑换成30多家航空公司的里程，第1年没年费

Starwood Preferred Guest® Credit Card from American Express Starpoints® bonus: earn up to 25K bonus points — 10K with your first purchase and another 15K when you spend $5K within the first 6 months of Cardmembership – enough for a weekend getaway to a Category 4 hotel like the Westin Savannah Harbor Golf Resort & Spa Free Hotel Nights: redeem Starpoints at over 1,000 hotels in over 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 when 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 Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 15.24% - 19.24% variable $0 introductory annual fee for the first year, then $65

喜达屋酒店及度假村旗下拥有一批风格各异的酒店品牌：喜来登（Sheraton）、威斯汀（Westin）、福朋酒店（喜来登集团管理）（Four Points by Sheraton）、W 酒店（W Hotels）、瑞吉酒店（St. Regis）、豪华精选（The Luxury Collection）、艾美酒店（Le Meridien）、element 和 雅乐轩（Aloft）. 在全球最激动人心的非凡目的地，这些品牌无处不在. 在中国这些品牌也是到处可见.

Starwood是首个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的酒店忠诚计划.这些航空公司包括American Airlines，Delta, Air Canada, Air China, Alaska Airline, Asiana Airlines, British Airways,China Eastern Airlines, China Southern Airlines, Japan Airlines, US Airways等, United Airline 则需要2:1. 每转20,000 Starpoints还可获得5,000 Starpoints的奖励. 消费者亦可用点数直接购买350多家航空公司的机票且无日期限制，您也可以用钱购买点数或赠送点数给朋友。

• 开户奖励: 开户送10000 Starpoints，6个月内消费满$5000再送20000 Starpoints, 最多可以换连续的6晚住宿，如果只在周末度假用，可以换至少15晚住宿(周末1晚只需2000 Starpoints), 也可换成$250 Amazon, iTunes, Nordstrom, Gap, Banana Republic 礼券.
• 累积点数: 在任何SPG旗下的酒店消费(St. Regis, The Luxury Collection, W Hotels, Le Meridien, Westin, Sheraton, Aloft, Element, and Four Points by Sheraton)，可累积4个Starpoints, 任何其它消费可累积1个Starpoint.
• 兑换点数: 平时每4000点数可换1晚免费住宿，周末2000点就能换1晚免费住宿. 您的积分亦可以1:1随时兑换成30多家航空公司的里程，每转20,000 Starpoints还可获得5,000 Starpoints的奖励, 或可直接兑换成机票。您也可以把点数兑换成Amazon, iTunes, Nordstrom, Gap, Banana Republic, Porttery Barn gift card, 5000 Starpoints 换 $50， 9500 Starpoints 换$100，14000 Starpoints 换$150.

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

Citi® Hilton HHonors™ Visa Signature® Card Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening* Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide 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.* Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 14.24% or 16.24%* (Variable) None

• 累积点数： 希尔顿酒店消费，可挣6 Hilton HHonors Bonus Points/1美元; 超市，药店和加油消费，可挣3 Hilton HHonors Bonus Points/1美元; 任何其他消费可挣2 Hilton HHonors Bonus Points/1美元.
• 兑换点数详解： category 1酒店: 7500点; category 2:12500点; category 3: 25000点; category 4: 30000点; category 5: 35000点; category 6: 40000点; category 7: 50000点。所以40000点数可兑换category 6酒店1晚，或 category 1 酒店5晚。

Hyatt Card
第一年送3晚全球任何国家的，任何档次的凯悦酒店住宿. 这意味着您可以选档次最高的度假酒店入住

Hyatt Card Begin with 2 Free Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card Receive 1 Free Night each year on your anniversary in any Category 1-4 property No foreign transaction fees and Smart Chip protection on international purchases 3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties 1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere There are no limits to the points you can earn Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 15.24% Variable $75

凯悦酒店集团旗下酒店遍及世界各地45个国家和地区，以提供至高品质的酒店设施和真挚殷勤的待客之道享誉国际. 凯悦酒店集团下有： 柏悦(Park Hyatt)，安达仕(Andaz)，君悦(Grand Hyatt)，凯悦(Hyatt Regency)，Hyatt Place以及Hyatt House等著名品牌的酒店及度假村，目前正在开发的新项目遍及全球六大洲. 其中柏悦(Park Hyatt)、安达仕(Andaz)、君悦(Grand Hyatt) 及凯悦(Hyatt Regency)品牌位于世界各地的绝大部分酒店都被当地机关及国际旅游杂志评为五星或超五星，部分酒店例如上海柏悦酒店、巴黎柏悦酒店、香港君悦酒店更屡获殊荣.

• 开户奖励: 刷卡1次,就可获得2晚免费的凯悦酒店住宿(任何国家,任何档次的凯悦酒店包括度假酒店: Each Free Night Award is valid for use for 1 night in any available standard room within one year from issuance at any Hyatt Hotel or Resort worldwide.）
• 年度奖励: 每持卡周年可获得1晚免费酒店住宿（category1-4级），这样第一年共有3晚免费住宿。
• 累积点数: 任何凯悦酒店消费可获得3个点数/1美元, 任何其他消费获得1个点数/1美元
• 这张卡不收境外使用费
• 这张卡虽然有$75年费, 但比起其昂贵的酒店标价, 拿上海为例是$250-$398, 和每年赠送的1晚免费酒店住宿, 还是相当的物有所值

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 with 15 Months 0% Interest on Purchases and Balance Transfers + No Annual Fee

Slate® from Chase - No Balance Transfer Fee 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* Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Purchases and on Balance Transfers 15 months 11.99% - 21.99% Variable None

Citi Simplicity
21个月0利率购物借贷和余额转帐借贷 - No Late Fees and No Penalty Rate

Citi Simplicity® Card 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. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee 0% on Balance Transfers and Purchases* 18 months* 12.99% - 21.99%* (Variable) None

专为新移民和新生设计的信用卡, 没有年费, 没有境外使用费

Capital One Cash Rewards for Newcomers - No Foreign Transaction Fee / No Annual Fee
旅游消费2%现金回扣, 其他消费1%现金回扣, 没有年费, 没有境外使用费

Capital One® Cash Rewards for Newcomers A card designed to help those new to the U.S. establish credit and earn cash back Build credit with 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 Click here for official application, terms, and details

Intro APR Intro APR Period Regular APR Annual Fee N/A N/A 24.9% variable None

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，请参考加拿大专栏介绍或点击这里比较各大银行提供的加拿大信用卡。