信用卡旅行消费报销总结

本文尝试总结各主流信用卡旅行报销,尤其是Cardmember or Calendar year报销。
Cardmember: account anniversary date, 注意这和收年费的日子可能不是一天
Calendar year: Jan. 1 to Dec. 31,可能可以报销2-3次。
这里的链接是尽量使用回复比较多或者是比较新的一个帖子,如果大家觉得某些帖子不够好,可以替换。
缺了哪张卡或者数据不准确,可以持续更新。

Travel Credit

Bank/Card Credit Eligibility Category Portal 奇淫
USBank | UAR $325 Cardmember travel/dining 1 N 无需
C1 | Venture X $300 Cardmember travel Capital One Travel N
Chase | Ritz-Carlton $300 Calendar airline N Y
Chase | CSR $300 Cardmember travel N 无需 2
Chase | CSP $50 Cardmember hotel Chase travel Y
Chase | IHG premier $25 + $25 需enrolled 1-6 / 7-12 airline UA travelbank 3 N
Chase | IHG premier biz $25 + $25 需enrolled 1-6 / 7-12 airline UA travelbank 3 N
Chase | Hyatt biz $50 + $50 Cardmember 两次 hotel Hyatt M
Chase | UA Quest $125 Cardmember airline UA Y
Amex | Platinum $200 Calendar airline enrolled airline enrolled Y
Amex | Aspire $50 Quarter airline N Y
Amex | Aspire $200 1-6 / 7-12 resort 4 Hilton resort W
Amex | Hilton Surpass $50 Quarter hotel 5 Hilton Y
BOA | Premium $100 Calendar airline N Y
BOA | Premium Elite $300 Calendar airline N Y
BOA | Premium Elite $150 Calendar Life Style N Y
CITI | Premier $500-$100 Calendar hotel Y N
CITI | Prestige 绝版 $250 Calendar travel N 无需 6
CITI | Prestige 绝版 酒店住3送1 Calendar 两次 hotel CITI portal N
CITI | AA Executive $120 Calendar car rental Avis/budget M
Barclays| AA Red $25 Cardmember airline wifi American Airlines N

Credit Card Free night or Member with Free Breakfast

Click to see more
Bank/Card Default FN Eligibility Annual Spend Requirement Additional Rewards
Chase|Hyatt 1 FN(1-4) Cardmember $15k/ Calendar 1 additional FN(1-4)
Amex|Marriott Bonvoy Brilliant 1 FN (85k) Cardmember $0,$60k/ Calendar Platinum Member, additional 85k FN
Chase|Ritz 1 FN(85k) Cardmember N/A -
Amex|Marriott Biz 1 FN(35k) Cardmember N/A -
Chase|Marriott Boundless 1 FN(35k) Cardmember N/A -
Chase|IHG Premier/Biz 1 FN(40k FN, 加点换更高等级) Cardmember $40k / Calendar Diamond Member
Amex|Aspire 1 FN(Unlimited) Cardmember $0, $30k/ Calendar Diamond Member, additional FN(Unlimited)
Amex|Hilton Surpass None Cardmember $15k/ Calendar, $40k/ Calendar FN, Diamond Member
Barclays|Wyndham Earner Plus None Cardmember $0 7.5k points
Barclays|Wyndham Earner Biz None Cardmember $0 15k points, Diamond Member
Wells Fargo|Choice Privileges Select None Cardmember $0 30k points

基友票/Companion Fare

Click to see more
Bank/Card Benefit Eligibility Category Details 奇淫
BOA | Alaska Companion Fare Cardmember/消费6k airline Alaska 需付$99+税 N
BOA | Alaska biz Companion Fare Cardmember/消费6k airline Alaska 需付$99+税 N
Barclays | AA red Companion Fare Cardmember/消费20k airline AA 需付$99+税 N
Barclays | AA biz Companion Fare Cardmember/消费30k airline AA 需付$99+税 N
Barclays | Hawaiian Airlines World Elite Companion $100 discount Cardmember airline roundtrip travel between Hawaii and North America on Hawaiian Airlines N
CITI | AA biz Companion Fare Cardmember/消费30k airline AA 需付$99+税 N
FHBO| Amtrak Preferred Companion Fare/ One-Class Upgrade/ Lounge Pass Cardmember train Amtrak N
Amex| Delta Platinum Companion Fare Cardmember/第二年开始 airline Delta 需付up to $80 N
Amex| Delta Platinum biz Companion Fare Cardmember/第二年开始 airline Delta 需付up to $80 N
Amex| Delta Reserve Companion Fare Cardmember/第二年开始 airline Delta 需付up to $80 N
Amex| Delta Reserve biz Companion Fare Cardmember/第二年开始 airline Delta 需付up to $80 N
Amex| Morgan Stanley 一张副卡 None PPS/Centurion/FHR… N Y

Additional information

  • 无需: 最flexible的报销,没必要奇淫,gc等
  • M: Maybe,等更多dp
  • W: Warning,奇淫可以,但是很大风险被amex Clawback, Clawback2,奇淫基本原则不能让付的钱全部退回卡里
  1. USBank UAR: 唯一可以把credit 用dinning报销的卡,Real-time rewards使用和travel credit报销还能双吃。当然坑在使用real-time rewards上,请细细读使用规则
  2. ChaseCSR 的travel credit: 几乎涵盖一切被标记为travel的消费
  3. IHG 卡的 UA travelbank credit: 上下半年各$25,分别在7月15日,和 1月15日过期
  4. Aspire酒店报销: 只能报销Hilton resort类型酒店的费用,包括房费,改版前DP。改版应该不影响DP,只是金额变化。
  5. Surpass: 任何hilton酒店
  6. 报销包括OTA在内: CITI Prestige, UAR可能也可以(不能预付)。
  7. Ritz, Amex Plat等: 报销技巧技巧2。一般Ritz会松很多,没必要太复杂。
  8. Aspire航空报销: 改版后DP
  9. C1 VX: travel credit要等到travel portal可以-$300,否则客服无法apply,变差很多
  10. CSP$50: 你必须从csp的ultimate rewards进去预订才算csp的,只用csp结账可能无法触发

Other Small Tips

  • AAdvantage plat select: spend 20k/ Cardmember, $125 flight credit
  • Delta Gold Card: spend $10k/ calendar year, $100 Delta flight credit
  • IHG and IHG biz Premier: spend $20k/ Calendar, 10k points and $100 statement credit
  • UA club: $75 IHG报销 for 2023 and 2024
  • Amex 绿: $100 LoungeBuddy /calendar year
  • Amex 白, Aspire, Green: Clear会员费/calendar year
  • PPS, GE, and TSA: 太多了…这里先不总结, UAR: 8 times/Cardmember PP passes
  • Lounge Passes: 请忽略 UA 和 Delta 卡给的lounge pass,或者自己想办法卖出价值
  • Hyatt: 如果你用hyatt credit付房费会导致水球无法享用free parking(一般parking>$50)
  • 租车保险: 总结
  • 旅行保险: 总结
  • Credit Offers: 硬说Chase, USBank, Amex, CITI, WF offer也是credit: 总结, 总结CITI. BOA就别算了(你们谁有发出来给我们看看)…
  • Elite Night赠送: 先不在这总结,很难计算Credit,因为取决于每个人的会员等级和使用情况。参看,Hyatt, Hyatt biz,一般按Calendar year送,Hyatt biz卡Calendar year 会清空消费重新计算个人卡不会

Personal Preference: 由于 lz 对uber的厌恶,不予置评
Other Credits: 如AA club Lyft 一样的东西,无法认同是credit,不予置评

友情提醒

其他会过期的福利,本帖不能面面俱到,请自己认真读term和论坛相关内容。
Link不能点的,可能是因为潭里信息不足。

84 个赞

占楼zszs

CSR 不是 cardmember year么

报销真的USBANK容易,就是一张75年费的卡,就是75刀买了8张饭卡,平均10刀机场吃饭而已

3 个赞

火钳刘明

prestige 无需portal,CSR应该是cardmember year

1 个赞

感谢修正

或许可以把airline和hotel分开?

表里先区别一下,因为hotel的不多

VX我记得有栋楼是讨论那300到底怎么给

因而是否有必要区分一下报销金额是直接给成statement credit还是咋样?防止潜在误会/潜在的负balance可能(虽然好像偶尔有负balance没啥事)

VX改成直接portal才能用了

感谢分享

我看包括了IHG的travel bank

考虑加上UA Quest的$125 United purchase credit? UA Club $75 IHG credit? Surpass $50*4的Hilton?Amex Green $100 Loungebuddy?

嗯,在持续补充,感谢提醒

还有citi aa exec印象中改完了加了个租车credit?

是的,已经开始了

Amex只给了两行,其实他们每张卡都值得写个十行 :yaoming:

IHG credit每半年有个小overlap window大概15天?可算个小技巧

C1定完了一定去看看有没有price match的机会,PM给的也是travel Credit但是不过期

1 个赞

我印象中想补充的就这些 记得看到过那种年底各种credit card的checklist?那上面可能会更全一些 筛出来旅行相关的就好

有个报销,不知道算不算旅行相关,大佬可以自己判断。
clear的每年的报销,是不是可以添加上去,毕竟这个应该也有人使用的。

这里先总结最常用的,其他的慢慢可以补充,或者放弃,毕竟resort报销什么的也还没写。