应该是fractional share吧，不直接写明signup给多少刀就是刷流氓。原文是" a piece of the Vanguard S&P 500 ETF"
FAQ没写清楚，但是3%应该是任何股票都支持，不一定VOO，想把羊毛和投资隔离的人直接买money market ETF就行。
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为啥不是直接tqqq，年底一看，cashback, 神卡啊
Credit is issued by Evolve Bank & Trust (Member FDIC)这家真的很喜欢做fin tech生意，感觉看上去像Robin Hood那张，多个了signup bonus而且又是amex，年费也贵，等等看
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+1，但是C1 VX的preapproval页面显示的信用分至少是这个最低分数100+
真金白眼确实比里程点数强多了。要是开卡真送1 share我就冲了。
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这 VOO 点数也不知道是会贬值还是升值(虽然长期还是会升) 不过还是比其他点数强多了
年费有点高，而且没啥福利。
128年费怎么撸回来
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这种券商如果税表水平捉急一点，过个几年一次性卖掉，手工修正税表应该有得受了。
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年费太高了，49可以接受
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这卡看上去挺好的，年费略贵
只是在本坛的几个公认好卡面前，大概还是略差了一点，UAR应该还是更好的一个选择
拿来交税挺好的
(但可能还是beat不了 0 APR的
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To determine how much you need to spend on your credit card to justify the annual fee of $128 through the benefits of cashback, we first calculate the amount of spending required to offset the fee using the cashback alone. After that, we can factor in the potential investment growth from investing the cashback into VOO, an ETF that historically has about 9% annual growth.
Step 1: Calculating the Spending Required to Offset the Fee with Cashback Alone
You receive 3% cashback per transaction. To find out how much spending is required to earn back the annual fee of $128 with this cashback, you use the formula:
[
\text{Annual Fee} = \text{Spending} \times \text{Cashback Rate}
]
Let ( S ) be the amount of spending needed. Rearranging the formula, we get:
[
S = \frac{\text{Annual Fee}}{\text{Cashback Rate}}
]
Step 2: Considering the Investment Growth
If you invest the cashback into VOO, the amount of cashback earned would potentially grow by about 9% annually. However, to simplify, we’ll first find the spending required to just break even on the annual fee before considering investment returns.
Let’s compute the necessary spending based on the cashback rate of 3% to cover the $128 fee.
To cover the $128 annual fee solely through the 3% cashback, you would need to spend approximately $4,267 per year.
Considering Investment Growth
Now, if you invest the cashback from this spending into VOO, which historically has about a 9% annual growth, the value of your cashback after one year could be estimated. Let’s calculate the value of your cashback after one year at 9% growth:
- Initial cashback: (3% \times $4,267)
- Value after one year of growth: (\text{Initial cashback} \times (1 + 9%))
Let’s calculate that.
After investing your initial cashback of 3% from spending $4,267 in VOO, which has an average annual growth of 9%, the cashback would grow to approximately $139.52 after one year.
Thus, by spending $4,267 annually on your credit card, not only do you offset the $128 annual fee through the cashback, but the invested cashback could potentially grow to exceed the fee, further justifying the card’s cost under these conditions.
Neon Matt？
这种fintech肯定对ms盯得紧紧的，交税都不好说能不能给你算上，organic无类别也不一定轮得到这张卡
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UR MR不是也可以cashback出来投VOO吗 
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不是很懂这个的意义，UAR 4.5% statement credit 省下的钱投 VOO 不一样吗？Money is fungible
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怎么能说没福利
For $128, you get a premium designed metal card, packed with perks and backed by the security and benefits of the Amex® network.
这么多福利收你$128不过分吧
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这张有时候会有花1000给200的 offer，所有消费2%，没有年费，算下来可能更好
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UAR 可以 statement credit 吗