其实对于绝大多数人来，一张citi dividend就足够用了

但是如果每个月花钱比较多的话，amex比dividend的cash back多，而且也容易拿到

0-6500, 0.5% or Everyday Purchases 1%

6500-50000， 1.5% or Everyday Purchases 5%

虽然比不过penfed 或 household, 也还算不错了

只要每年话13000以上, cash back就超过 1%

当时申请的时候就给了500的cl, 学生卡。然后基本没用过

大概半年转成blue cash. 跟着就狂涨cl

从拿到卡开始，一年之内已经张到13k了，也成了我主打的卡.

amex对cl比较大方，所以有张卡对credit report有点好处。

其它amex的好卡主要就是 starwood, blue business

[此贴子已经被作者于2005-10-7 22:21:29编辑过]

blue for student是没有cash back的

penfed 1.25% cash back

https://www.penfed.org/productsAndRates/creditCards/RewardCards.asp

household bank credit card, you might get pre-approved letter indicated 2% cash back, Huge YMMY

click statement

request limit increase

if offer shows, then click accept, else, wait

6 month after you get the credit card

cash back will credit to your account after 13 month