🎁 开卡礼比较

这里整理图鉴中的示范开卡礼估值。提交申请前请到发卡行官网确认当前优惠。

最后更新: 2026-07-15

#卡片开卡礼估值年费
1 American Express Business Platinum
Amex
150,000 分(消费 $20,000 / 3 个月) $2000 $695/年
2 Hilton Honors Aspire (American Express)
Amex
175,000 分(消费 $6,000 / 6 个月) $1400 $550/年
3 Marriott Bonvoy Brilliant (American Express)
Amex
95,000 分(消费 $6,000 / 6 个月) $1300 $650/年
4 Delta SkyMiles Reserve American Express
Amex
60,000 里程(消费 $5,000 / 6 个月) $1200 $650/年
5 Ink Business Preferred
Chase
90,000 分(消费 $8,000 / 3 个月) $1100 $95/年
6 The Platinum Card
Amex
80,000 MR 分(消费 $8,000 / 6 个月) $1000 $895/年
7 Chase Sapphire Reserve
Chase
60,000 分(消费 $4,000 / 3 个月) $900 $795/年
8 World of Hyatt
Chase
60,000 分(分阶段,示意) $900 $95/年
9 Delta SkyMiles Platinum American Express
Amex
60,000 里程(消费 $3,000 / 6 个月) $900 $350/年
10 United Quest Card
Chase
70,000 里程(消费 $4,000 / 3 个月) $900 $350/年
11 Marriott Bonvoy Bevy American Express
Amex
85,000 分(消费 $5,000 / 6 个月) $900 $250/年
12 American Express Business Gold
Amex
70,000 MR 分(消费 $10,000 / 3 个月) $900 $375/年
13 Alaska Airlines Visa
Bank of America
50,000 里程 + 同行票(示意) $800 $95/年
14 IHG One Rewards Premier
Chase
140,000 分(消费 $3,000 / 3 个月) $800 $99/年
15 Hilton Honors American Express Surpass
Amex
130,000 分(消费 $3,000 / 6 个月) $800 $150/年
16 Aeroplan Card (Chase, Air Canada)
Chase
50,000 分(消费 $3,000 / 3 个月) $800 $95/年
17 Chase Sapphire Preferred
Chase
60,000 分(消费 $4,000 / 3 个月) $750 $95/年
18 Ink Business Unlimited
Chase
$750(消费 $6,000 / 3 个月) $750 免年费
19 Capital One Venture X
Capital One
75,000 里程(消费 $4,000 / 3 个月) $750 $395/年
20 Capital One Venture
Capital One
75,000 里程(消费 $4,000 / 3 个月) $750 $95/年
21 Citi / AAdvantage Platinum Select
Citi
50,000 里程(消费 $2,500 / 3 个月) $750 $99/年
22 Chase Ink Business Cash
Chase
$750(消费 $6,000 / 6 个月) $750 免年费
23 U.S. Bank Altitude Reserve
U.S. Bank
50,000 分 = $750 抵旅行(消费 $4,500 / 90 天) $750 $400/年
24 AAdvantage Aviator Red (Barclays)
Barclays
首笔消费并支付年费后得 60,000 里程 $750 $99/年
25 American Express Gold
Amex
60,000 MR 分(消费 $6,000 / 6 个月) $700 $325/年
26 Citi Strata Premier
Citi
70,000 ThankYou 分(示意) $700 $95/年
27 United Explorer
Chase
60,000 里程(示意) $700 $150/年
28 Southwest Rapid Rewards Plus
Chase
50,000 分(消费 $1,000 / 3 个月) $700 $99/年
29 Southwest Rapid Rewards Priority
Chase
50,000 分(消费 $1,000 / 3 个月) $700 $229/年
30 BofA Premium Rewards
Bank of America
60,000 分 = $600(示意) $600 $95/年
31 Marriott Bonvoy Boundless
Chase
3 晚免费房券(示意) $600 $95/年
32 JetBlue Plus Card
Barclays
50,000 分(消费 $1,000 / 3 个月) $600 $99/年
33 U.S. Bank Altitude Connect
U.S. Bank
50,000 分(消费 $2,000 / 4 个月) $600 $95/年
34 Delta SkyMiles Gold
Amex
50,000 里程(示意) $550 $150/年
35 Wyndham Rewards Earner Plus
Barclays
45,000 分(消费 $1,000 / 3 个月) $500 $95/年
36 PenFed Pathfinder Rewards
PenFed
50,000 分(消费 $3,000 / 90 天) $500 $95/年
37 American Express Green Card
Amex
40,000 MR 分(消费 $3,000 / 6 个月) $450 $150/年
38 United Gateway Card (Chase)
Chase
20,000 里程(消费 $1,000 / 3 个月) $400 免年费
39 Hilton Honors Card
Amex
70,000 Hilton 分(示意) $350 免年费
40 Chase Freedom Unlimited
Chase
首年所有消费额外 1.5% 返现 $300 免年费
41 Discover it Cash Back
Discover
首年返现全额加倍(Cashback Match) $300 免年费
42 Blue Cash Preferred
Amex
$250(消费 $3,000 / 6 个月) $250 $95/年
43 American Airlines AAdvantage MileUp
Citi
10,000 里程 + $50 账单返现(消费 $500 / 3 个月) $250 免年费
44 Navy Federal More Rewards American Express
Navy Federal
25,000 分 = $250(消费 $3,000 / 90 天) $250 免年费
45 Bank of America Travel Rewards
Bank of America
25,000 分 = $250 抵旅行(消费 $1,000 / 90 天) $250 免年费
46 Chase Freedom Flex
Chase
$200(消费 $500 / 3 个月) $200 免年费
47 Blue Cash Everyday
Amex
$200(消费 $2,000 / 6 个月) $200 免年费
48 Citi Double Cash
Citi
$200(消费 $1,500 / 6 个月) $200 免年费
49 Citi Custom Cash
Citi
$200(消费 $1,500 / 6 个月) $200 免年费
50 Capital One Savor
Capital One
$200(消费 $500 / 3 个月) $200 免年费
51 Capital One Quicksilver
Capital One
$200(消费 $500 / 3 个月) $200 免年费
52 BofA Customized Cash
Bank of America
$200(消费 $1,000 / 90 天) $200 免年费
53 Wells Fargo Active Cash
Wells Fargo
$200(消费 $500 / 3 个月) $200 免年费
54 Wells Fargo Autograph
Wells Fargo
20,000 分(示意) $200 免年费
55 U.S. Bank Cash+
U.S. Bank
$200(消费 $1,000 / 90 天) $200 免年费
56 U.S. Bank Altitude Go
U.S. Bank
20,000 分 = $200(示意) $200 免年费
57 SoFi Credit Card
SoFi
$200(示意开卡价值) $200 免年费
58 Upgrade Cash Rewards Visa
Upgrade
$200(示意,开返现支票账户后) $200 免年费
59 Navy Federal cashRewards
Navy Federal
$200(消费 $2,000 / 90 天) $200 免年费
60 USAA Preferred Cash Rewards
USAA
$200(消费 $1,000 / 90 天) $200 免年费
61 Citi Rewards+
Citi
20,000 ThankYou 分(消费 $1,500 / 3 个月) $200 免年费
62 Capital One VentureOne Rewards
Capital One
20,000 里程(消费 $500 / 3 个月) $200 免年费
63 Blue Business Plus
Amex
15,000 MR 分(示意) $150 免年费
64 Discover it Student
Discover
首年返现全额加倍 $150 免年费
65 Prime Visa
Chase
批卡即送 $100–200 Amazon 礼品卡 $150 免年费
66 Fidelity Rewards Visa Signature
Elan Financial
$150(示意)存入 Fidelity 账户 $150 免年费
67 American Express EveryDay
Amex
10,000 MR 分(消费 $2,000 / 6 个月) $150 免年费
68 Discover it Chrome
Discover
首年返现全额加倍(Cashback Match) $150 免年费
69 Discover it Secured
Discover
首年返现全额加倍(押金 $200 起) $100 免年费
70 PenFed Power Cash Rewards
PenFed
$100(消费 $1,500 / 90 天) $100 免年费
71 Capital One Quicksilver Student
Capital One
$50(消费 $100 / 3 个月,示意) $50 免年费
72 Chase Freedom Student
Chase
3 个月内首笔消费后得 $50 奖励 $50 免年费
73 Chase Freedom Rise
Chase
$25 奖励(设置自动还款) $25 免年费