Best credit card sign-up bonuses for 2025 Learn more Chase Freedom Unlimited® Best for no annual fee Annual fee $0 Welcome offer Earn a $200 bonus after you spend $500 in your first 3 months Rewards rate Enjoy 5% cash back on travel purchased through Chase Travel℠3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service)1.5% on all other purchases Why we like it: The Chase Freedom Unlimited is a heavy-hitter rewards earner and 0% intro APR card, all ...

行业宏观环境 - 2024年信用卡持卡人面临债务余额上升和利率环境不断变化的局面，2025年新政策可能影响卡费及奖励计划，利率将继续变化，福利价值持续演变 [1] - 美联储已开始降低联邦基金利率目标区间，部分信用卡利率随之下降，但降幅不足以减轻高息债务持卡人的负担 [3] - 专家预计美联储将在2025年进一步降息，但降息速度和幅度仍有不确定性，明尼阿波利斯联储主席Neel Kashkari表示决策将取决于数据 [4] 信用卡债务与违约情况 - 尽管利率下降，信用卡债务余额和违约率仍在增长，纽约联储报告显示美国家庭未偿还信用卡余额达1.17万亿美元，同比增长8.1% [6] - 2024年第三季度有8.8%的美国信用卡余额出现违约（逾期30天以上） [6] - 行业预测2025年信用卡余额和违约率将继续上升但速度放缓，环联公司预测2025年底信用卡余额同比增幅为4.4%，低于2022年的18.5%和2023年的12.6% [7][8] 信用卡奖励与福利变化 - 达美航空SkyClub休息室自2025年2月1日起将对部分美国运通卡持卡人实施访问限制 [10] - 阿拉斯加航空将于2025年1月1日起更新忠诚度计划，持卡人每消费3美元可赚取1个精英资格里程（每年上限3万英里） [11][12] - 自2025年1月1日起，Capital One Venture Rewards信用卡和Spark Miles商务卡持卡人将不再免费进入Capital One休息室，需支付45美元访问费 [13] 行业费用趋势 - 交换费（刷卡费）是银行和商户的热点话题，由商户支付给信用卡网络，Visa和万事达等网络会定期更新这些费用 [17][18] - 2022年首次提出的《信用卡竞争法案》可能影响未来刷卡费，该法案要求发卡机构允许交易至少通过两个网络处理 [19] - 年度费用预计在2025年可能上升，发卡机构提供奖励和福利的成本增加可能转嫁给持卡人，例如美国运通金卡年费在2024年从250美元涨至325美元 [21][22] 企业并购与整合影响 - Capital One拟收购Discover的交易可能通过将Capital One持卡人纳入Discover支付网络，显著改变美国支付网络竞争格局 [23][24] - 阿拉斯加航空与夏威夷航空合并后，其忠诚度计划将最终合并，更多细节将于2025年中公布，持卡人福利目前仅适用于办卡所属航司 [26] - 行业存在更多企业动态可能性，例如早前报道称摩根大通与苹果公司洽谈从高盛接手其信用卡业务 [27]

It’s not just you; going out to eat is more expensive these days. Whether you’re trying a new date night spot or just picking up drive-thru fast food, menu prices are on the rise. The cost of buying food away from home has increased for Americans by more than 4% over just the past 12 months, according to the latest Consumer Price Index. In the 12 months before that, it increased by a whopping 8.6% (not seasonally adjusted). One way to offset rising food costs is with a rewards credit card. Some dining r ...

Best grocery credit cards for 2025 Learn more Blue Cash Preferred® Card from American Express Best overall 費率及收費, 受條款約束Annual fee $0 intro annual fee for the first year, then $95. Welcome offer Earn a $250 statement credit after spending $3,000 in eligible purchases in the first 6 months Card type(s) Cash-back, Rewards Introductory Purchases APR 0% on purchases for 12 months Ongoing Purchases APR 19.99%-28.99% Variable Introductory Balance Transfer APR 0% on balance transfers for 12 months Ongoing Balan ...

Using the right credit card to book your flight is an excellent way to get the best return on big airfare purchases. Airline credit cards can also provide high-quality perks, such as free checked bags and airport lounge access. However, general travel cards might make more sense if you aren’t loyal to a specific airline. Best airline credit cards for 2025 Learn more Chase Sapphire Preferred® Card Best for Chase Ultimate Rewards points Annual fee $95 Welcome offer Earn 75,000 bonus points after spending ...

If you’re a credit card rewards-seeker, you might already know just how coveted some American Express benefits and perks can be. (Centurion card? If you know, you know.) There is a range of American Express cards for different financial goals, whether you’re looking for cash back, travel rewards, an Amex credit card with an introductory 0% APR, or anything in between. Best American Express credit cards for 2025 Learn more Blue Cash Everyday® Card from American Express Best Amex credit card for no annual ...

To say that credit cards are popular is an understatement. The overwhelming majority of Americans — 82% — have at least one credit card, though millions of people juggle multiple cards. According to Experian, Americans have an average of 3.84 cards and an average credit card balance of $6,365 per person as of 2023. But when were credit cards invented? Credit cards have a lengthy history, and they've changed quite a bit since their introduction in the early 1900s. When were credit cards invented? A timel ...

It’s no secret that travel credit cards carry some of the most enticing rewards offers available today. Maybe you’ve already seen the potential value yourself — a friend who used a 100,000-point sign-up bonus to fund their international vacation or that targeted card offer in your mailbox boasting multiple free hotel nights each year. But for many people, travel rewards can also feel overwhelming. With complex rewards structures, high annual fees, and other restrictions, it can be difficult to jump into t ...

产品核心定位 - 美国运通白金卡是一款面向频繁旅行者的高端旅行信用卡，旨在通过丰富的旅行福利和积分奖励提升用户的奢华旅行体验 [1] - 该产品定位为高端旅行卡，其核心价值在于为持卡人提供年度消费抵扣、机场贵宾厅使用权和专属酒店权益等旅行相关特权 [1] - 尽管该卡年费高达695美元，但若能充分利用其多项福利，其价值可能超过年费成本 [1] 费用与开户奖励 - 该卡年费为695美元 [4] - 开户奖励最高可达175,000会员奖励积分，前提是在前6个月内消费满8,000美元 [4] - 该卡推荐信用评分为优秀/良好 [4] 积分奖励结构 - 在航空公司直接预订或通过美国运通旅行预订航班可获5倍积分，每个日历年上限为500,000美元消费额 [4] - 通过美国运通旅行预订的预付酒店可获得5倍积分 [12] - 所有其他消费可获得1倍积分 [12][21] 航空旅行福利 - 每个日历年最高可获得200美元航空公司杂费抵扣，适用于持卡人选择的航空公司 [5] - 每四年提供一次TSA PreCheck或Global Entry申请费抵扣 [6] - 每年最高可获得209美元的CLEAR Plus会员自动续费抵扣 [6] 机场贵宾厅使用权 - 通过美国运通全球贵宾厅集合，可进入全球超过1,550个机场贵宾厅，包括30个百夫长贵宾厅 [7] - 持卡人每年在搭乘符合条件的达美航空航班时可进入达美天空俱乐部贵宾厅最多10次 [7] - 还包括精选汉莎航空贵宾厅、Plaza Premium贵宾厅、Escape贵宾厅和Priority Pass Select贵宾厅 [7] 酒店权益 - 提供免费精英会籍 status，包括万豪Bonvoy金卡精英会籍、希尔顿荣誉客会金卡会籍和The Leading Hotels of the World的Leaders Club Sterling会籍 [8] - 通过美国运通旅行预订Fine Hotels + Resorts可获得提前入住和延迟退房、100美元合格消费抵扣、客房升级等权益 [9] - 通过美国运通旅行预订Hotel Collection两晚或以上住宿可获得100美元合格消费抵扣 [9] 年度消费抵扣 - 每年最高可获得600美元预付Fine Hotels + Resorts或Hotel Collection预订抵扣，每半年最高300美元 [10][12] - 每年最高可获得400美元Resy餐饮抵扣，每季度100美元 [12][19] - 每年最高可获得200美元Uber优惠，每月15美元Uber Cash，12月额外奖励20美元 [12] 零售与娱乐福利 - 每年最高可获得300美元数字娱乐抵扣，每月25美元，适用于Paramount+、YouTube Premium等精选数字订阅 [19] - 每年最高可获得300美元Lululemon抵扣，每季度75美元 [19] - 每年最高可获得100美元Saks Fifth Avenue抵扣，每半年50美元 [19] 保险与保障 - 提供旅行延误和中断保险、汽车租赁损坏和损失保险以及旅行取消保险 [16] - 提供延长保修和购买保护，可将符合条件的制造商保修延长一年，每个物品最高10,000美元或每个日历年最高50,000美元 [16] - 提供高级全球援助热线，为离家100英里以外旅行时遇到的医疗、法律或财务紧急情况提供帮助 [16] 积分兑换方式 - 会员奖励积分可通过美国运通旅行兑换旅行预订，或转移至美国运通的航空公司和酒店旅行合作伙伴 [22] - 热门合作伙伴计划包括英国航空行政俱乐部、达美天空里程、捷蓝航空TrueBlue、阿联酋航空Skywards、希尔顿荣誉客会和万豪Bonvoy [22] - 积分还可兑换礼品卡、对账单抵扣、符合条件的美国运通支票账户存款或商品 [23] 竞争产品比较 - 大通蓝宝石储备卡年费795美元，提供125,000点开户奖励，消费6,000美元可获得，提供300美元年度旅行抵扣和免费Priority Pass Select会员资格 [35][36][37] - 第一资本Venture X奖励信用卡年费395美元，提供75,000英里开户奖励，消费4,000美元可获得，提供300美元旅行抵扣和Capital One及Priority Pass贵宾厅使用权 [40][41][42] - 美国运通金卡年费325美元，最高开户奖励100,000会员奖励积分，消费6,000美元可获得，在餐厅和美国超市提供4倍积分 [44][45]

Whether your credit card has expired or you’ve decided to cancel to avoid paying an annual fee, you need to know the proper way to get rid of it. You don’t want that credit card information (even if outdated) falling into the wrong hands. The best practice is to destroy that old card. But what if you have one of those fancy travel credit cards, the type that’s made out of metal? A standard paper shredder won’t get the job done. Thankfully, you’ve got a few options that are nearly as effortless for destroy ...