本贴重点考虑的是年度花销<50K时开卡ROI回报率
- 新手先看 【新手必读】
- 然后肯定是先完成Chase的 5/24。期间可以申其他行的高Sub卡。
- 5/24后有神卡的石膏就上。不用在意AmEx，Ink 等Life Term。说不定转角NLL就来了。
- 没石膏时看看下面的高ROI，各人看开卡消费依MS能力自助好了。
- 免责声明：学生申Biz卡的风险自己评估。
资料来源：本坛开卡高奖励排行榜。
Sub>$800且ROI>10%的常见卡大概35张：15张是Life Term，还有20张可以Churn。够2-4年开。
| 排名 | 卡 | 开卡消费要求($) | 首年价值($) | 回报率ROI | Life / Churnable |
|---|---|---|---|---|---|
| 1 | AmEx Biz Platinum（Biz） | 20,000 | 4,405 | 22% | Life |
| 2 | AmEx Biz Gold（Biz） | 15,000 | 2,905 | 19% | Life |
| 3 | AmEx Platinum | 12,000 | 2,805 | 23% | Life |
| 4 | Venture X Business（Biz） | 30,000 | 2,305 | 8% | Churnable |
| 5 | Spark Cash Plus（Biz） | 30,000 | 1,850 | 6% | Churnable |
| 6 | Chase Sapphire Reserve | 6,000 | 1,805 | 30% | Life |
| 7 | AmEx Graphite (Biz） | 50,000 | 1,705 | 3% | Life |
| 8 | Citi Strata Elite | 6,000 | 1,605 | 27% | Churnable |
| 9 | Chase United Business（Biz） | 5,000 | 1,540 | 31% | Churnable |
| 10 | Chase Ink Preferred（Biz） | 8,000 | 1,505 | 19% | Life |
| 11 | Wells Fargo Premier Autograph | 4,000 | 1,455 | 36% | Churnable |
| 12 | AmEx Gold | 6,000 | 1,419 | 24% | Life |
| 13 | Capital One Venture | 4,000 | 1,355 | 34% | Churnable |
| 14 | BoA Alaska Atmos Ascent | 4,500 | 1,265 | 28% | Churnable |
| 15 | BoA Alaska Business（Biz） | 5,500 | 1,265 | 23% | Churnable |
| 16 | Citi AAdvantage Platinum Select | 1,000 | 1,200 | 120% | Churnable |
| 17 | Chase Ink Cash（Biz） | 6,000 | 1,200 | 20% | Life |
| 18 | Chase Ink Unlimited（Biz） | 6,000 | 1,200 | 20% | Life |
| 19 | Citi AA Business（Biz） | 5,000 | 1,125 | 23% | Churnable |
| 20 | Chase United Explorer | 3,000 | 1,120 | 37% | Churnable |
| 21 | Capital One Venture X | 4,000 | 1,105 | 28% | Churnable |
| 22 | Chase Sapphire Preferred | 5,000 | 1,105 | 22% | Life |
| 23 | Chase Aeroplan | 4,000 | 1,094 | 27% | Churnable |
| 24 | Hyatt Business（Biz） | 10,000 | 1,081 | 11% | Churnable |
| 25 | Delta Gold | 5,000 | 1,080 | 22% | Life |
| 26 | Delta Gold Business（Biz） | 6,000 | 1,080 | 18% | Life |
| 27 | Virgin Red | 4,000 | 1,026 | 26% | Churnable |
| 28 | AA Globe | 5,000 | 1,000 | 20% | Churnable |
| 29 | Spark Cash（Biz） | 10,000 | 1,000 | 10% | Churnable |
| 30 | BA / Iberia / Aer Lingus | 5,000 | 985 | 20% | Churnable |
| 31 | Marriott Bevy | 5,000 | 974 | 20% | Life |
| 32 | Marriott Business 5FN（Biz） | 9,000 | 925 | 10% | Life |
| 33 | United Quest | 4,000 | 909 | 23% | Churnable |
| 34 | AA Executive | 10,000 | 905 | 9% | Churnable |
| 35 | IHG Premier Business（Biz） | 6,000 | 901 | 15% | Churnable |
| 36 | Alaska Summit | 4,000 | 885 | 22% | Churnable |
| 37 | Citi Premier | 4,000 | 865 | 22% | Churnable |
| 38 | JetBlue Business（Biz） | 6,000 | 861 | 14% | |
| 39 | Southwest Performance Business（Biz） | 5,000 | 841 | 17% | |
| 40 | Hilton Business（Biz） | 8,000 | 835 | 10% | |
| 41 | BoA Premium Elite | 5,000 | 830 | 17% | |
| 42 | Ink Premier（Biz） | 10,000 | 805 | 8% | |
| 43 | Barclays JetBlue Plus | 1,000 | 801 | 80% | |
| 44 | Spark Miles（Biz） | 4,500 | 800 | 18% | |
| 45 | Hilton Aspire | 6,000 | 760 | 13% | Life + NLL |
| 46 | BoA Air France KLM | 3,000 | 751 | 25% | |
| 47 | Marriott Brilliant | 6,000 | 750 | 13% | Life |
| 48 | US Bank Triple Cash（Biz） | 6,000 | 750 | 13% | |
| 49 | Spark Cash Select（Biz） | 6,000 | 750 | 13% | |
| 50 | US Bank Leverage（Biz） | 7,500 | 750 | 10% | |
| 51 | BoA Premium Rewards | 4,000 | 705 | 18% | |
| 52 | United Club | 5,000 | 705 | 14% | |
| 53 | Barclays Wyndham Earner+ | 2,000 | 681 | 34% | |
| 54 | Southwest Premier Business（Biz） | 3,000 | 681 | 23% |
