• Click "APPLY NOW" to apply online or call 877-881-4731
• 40,000 bonus points after you spend $3,000 in the first 3 months- that's $500 toward travel rewards! 
• 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases 
• Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards^SM
• No foreign transaction fees 
• Receive a 7% Annual Points Dividend on all new points earned on purchases - even on points already redeemed
• 1:1 point transfer to leading frequent travel programs - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points 
• Direct access to expert service advisors anytime 
• Introductory Annual Fee of $0 the first year, then $95 

• Click "APPLY NOW" to apply online or call 888-870-3255
• 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel rewards! 
• 2 points per dollar spent at restaurants & 1 point per dollar spent on all other purchases 
• Points never expire and there are no limits on how many points you can earn 
• Redeem points for travel, gift cards, merchandise, cash back and more 
• Direct access to expert service advisors anytime 
• No Annual Fee! 

• Click "APPLY NOW" to apply online or call 877-655-3365
• This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
• Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
• 0% Intro APR for 15 months on purchases and balance transfers
• 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
• You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• No annual fee and rewards never expire

Chase Freedom Visa>>

Chase Freedom MasterCard>>

• The new Discover it card is out to change the way people think about credit cards.
• Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
• Generous…5% cash back at restaurants and movies right now through March on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible…Choose your own due date and pay up to midnight ET online or by phone.
• Human…talk to a real person any time with 100% U.S.-based service.
• Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% Intro APR on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 20.99%. *Click apply for Terms & Conditions.

• Discover it™ Card将改变用户对信用卡的认识
• 公平：无年费，无超额费，无境外消费手续费，无电话还款费用
• 慷慨：周期性5%消费返现，其他所有消费1%返现
• 周到：返现专员为您电话服务帮助您最大化您的消费返现
• 自由：自由设定还款日期
• 人性化：所有客服人员均在美国本土24小时为客户服务
• 安全：安全可靠的账户保障，无需为未授权的消费承担任何责任
• 14个月消费及Balance Transfer零利率
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
• 0% Introductory APR for 12 months on purchases
• No annual fee
• Earn 2 points per $1 on gas, grocery, and utility purchases
• Earn 1 points per $1 everywhere else
• Use the points you earn like cash to pay for almost any purchases you've made.
• No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
• This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts

• 开卡90天内消费满$750可获10,000积分 ，价值$100
• 开卡12个月内消费零利率
• 无年费
• 超市消费，汽车加油，Utility（包括水，电，煤气，电话，网络等） 2%返现
• 其余所有消费1%返现
• 无积分数额限制，积分轻松兑换为statement credit，无任何blackout dates。
• 申卡前搞清楚自己的信用分数，点击这里查看如何免费查询自己的信用分数>>

 United MileagePlus Explorer Card
30,000 Bonus Miles
No annual fee for the first year

• Start with 30,000 bonus miles after your spend $1,000 in the first 3 months
• Check your first bag for free - save up to $100 per roundtrip
• Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
• Enjoy priority boarding privileges
• Visit the United Club with two one-time-use passes every year
• Use your miles for any seat, any time, on any United flight
• Your miles don't expire as long as you're a cardmember, with no limit to the number of miles you can earn
• $0 intro annual fee for the first year, then $95

• Earn up to 40,000 bonus miles on qualifying transactions
• EXCLUSIVE: Redeem flights for 5,000 fewer miles
• Zone 2 boarding on every flight
• Enjoy 2 miles per $1 spent on US Airways purchases
• Earn 1 mile per $1 spent everywhere else
• Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
• First Class check-in
• Please see terms and conditions for complete details

• 首次消费可获得30,000奖励里程
• 开卡90天内进行Balance Transfer可获得最多10,000奖励里程
• 持卡人独有：兑换里程票节省5,000里程
• US Airways消费$1积2分
• 其余所有消费$1积1分
• 每年2张同行乘客机票
• 头等舱优先登机
• 每年1张免费 US Airways Club®通行证
• 年费仅需$89
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• 开卡最多送15,000积分
• 积分可兑换6张美国境内单程机票
• 维珍航空消费3倍积分
• 其余所有消费1分/$1
• 每年一张同行旅客机票享受$150折扣（比如买两张机票，第二张机票享受$150折扣）
• $49年费（考虑到同行旅客机票折扣价值$150，年费可以忽略不计）
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• 开卡90天内消费满$1,000可获40,000奖励里程积分
• 开卡12个月内消费零利率
• 所有消费$1可获2里程积分
• 无奖励上限、无境外消费手续费
• 10%里程奖励兑换返还
• 使用里程奖励兑换轻松兑换成任何旅行消费还款
• 免费TripIt® Pro订阅——价值$49
• 第一年无年费，之后$89
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• 开卡90天内消费满$1,000可获20,000开卡奖励里程，价值$200
• 开卡12个月内消费零利率
• 旅行和餐饮消费可获2倍里程奖励
• 其余所有消费$1可获里程
• 无里程积分上限、无境外消费手续费
• 10%里程兑换返还
• 里程可直接兑换为任何旅行消费还款

• Reward yourself with 50,000 bonus points after you spend $5,000 in 3 months from account opening
• With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full
• Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
• Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
• No foreign transaction fees
• Free employee cards
• Transfer points you've earned to participating frequent travel programs at 1:1 value
• Save with a 0% intro APR for 6 months on purchases and balance transfers
• No annual fee for the first year, then $95

• Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
• No interest charges because it's a pay in full charge card
• Earn up to 5X points per dollar on eligible business purchases
• Transfer points at full value to participating travel programs.
• Direct access to a live service advisor anytime.
• Introductory Offer – First Year Free ($95 thereafter)

• Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening
• 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
• 2% cash back on the first $25,000 spent annually at gas stations and restaurants
• 1% cash back on all other card purchases with no limit to the amount you can earn
• 0% introductory APR for 6 months on purchases and balance transfers
• No annual fee

• Introductory Offer - No Balance Transfer Fee!*
• Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
• 0% Introductory APR for 15 months on purchases and balance transfers!*
• Avoid interest and pay down balances faster with free Blueprint® features*
• Patented Fraud Protection and zero liability on unauthorized purchases*
• Add an additional card user to your Slate account at no extra cost*
• No Annual Fee*

• Introductory Offer - No Balance Transfer Fee!*
• Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
• After the first 60 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.*
• 0% Introductory APR for 15 months on purchases and balance transfers!*
• Avoid interest and pay down balances faster with free Blueprint® features* 
• Patented Fraud Protection and zero liability on unauthorized purchases*
• Add an additional card user to your Slate account at no extra cost*
• No Annual Fee*

• Enjoy up to 7 Free Nights To Start!
• New! Smart Chip Technology and No Foreign Transaction Fees!
• Earn 5 points for every $1 spent at Marriott® locations
• Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies & restaurants
• Earn 1 point for every $1 spent on other purchases
• Receive 1 free night stay after account approval and each year upon account anniversary
• Cardmembers achieve Silver Elite status with 15 nights credit toward Elite status

• 10,000 BONUS POINTS after first use - worth $100 in CASH BACK statement credits
• 2X points on NFL purchases earn 2 points for every $1 spent at NFLShop.com, team pro-shops, and in-stadium
• Earn 1 point per $1 on other purchases
• There are no caps on earning points
• Redeem for football rewards
• or 1% cash back statement credit
• Points never expire

• 首次消费可获10,000积分，可以兑换$100 Statement Credit
• NFL相关消费$1可获2积分
• 其余消费$1可获1积分
• 积分无上限
• 可兑换橄榄球相关奖励
• 积分不会过期
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• The new Discover it card is out to change the way people think about credit cards.
• Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
• Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
• Flexible...Choose your own due date and pay up to midnight ET online or by phone.
• Human...talk to a real person any time with 100% U.S.-based service.
• Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 18.99%. *Click apply for Terms & Conditions.

• Discover it®; Card将改变用户对信用卡的认识
• 公平：无年费，无超额费，无境外消费手续费，无电话还款费用
• 慷慨：周期性5%消费返现，其他所有消费1%返现
• 周到：返现专员为您电话服务帮助您最大化您的消费返现
• 自由：自由设定还款日期
• 人性化：所有客服人员均在美国本土24小时为客户服务
• 安全：安全可靠的账户保障，无需为未授权的消费承担任何责任
• $20开卡奖励
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• The new Discover it card is out to change the way people think about credit cards.
• Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
• Generous…5% cash back at restaurants and movies right now through March on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible…Choose your own due date and pay up to midnight ET online or by phone.
• Human…talk to a real person any time with 100% U.S.-based service.
• Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% Intro APR on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 20.99%. *Click apply for Terms & Conditions.

• Discover it®; Card将改变用户对信用卡的认识
• 公平：无年费，无超额费，无境外消费手续费，无电话还款费用
• 慷慨：周期性5%消费返现，其他所有消费1%返现
• 周到：返现专员为您电话服务帮助您最大化您的消费返现
• 自由：自由设定还款日期
• 人性化：所有客服人员均在美国本土24小时为客户服务
• 安全：安全可靠的账户保障，无需为未授权的消费承担任何责任
• 6个月消费零利率
• 担心信用分数太低，无法通过申请？点击这里了解如何免费快速查询信用分数。

• 最高5% Cash Back，适用于每季指定的购物类别；
• 在Amazon.com®, iTunes®, Target.com, Apple.com, Walmart.com and Bestbuy.com消费，可以获得2%返现！如果账户存款超过$5,000，在以上商店实体店内也可以获得2%返现！
• 无论如何，最低也有1% Cash Back，适用于任何购物类别；
• 账户每月只要有任何Activity，比如刷卡消费一次，该账户就没有任何费用；
• 免费Online Banking和Online Bill Pay；
• 免费Checks；
• 免费ATM (全美37,000多处)；
• 账户资金有FDIC保险！

• Profinity网站：美国提供信用分数和监测服务的著名网站之一（点击这里免费查询分数）
• Creditreport官网: 美国三大信用局之一Experian旗下子网站（点击这里免费查询分数）

• 登陆以上任意一家网站；
• 注册个人信息，注册后能立即获知您的个人信用分数；
• 7天免费试用。7天内取消，不收任何费用。如果7天内不取消，就被视为购买其member服务，每月会被收取10几美元的服务费。
• 查询自己的信用分数，不会对你的信用分数产生影响。

• 最传统的方法：美元现金。好处是简单，揣兜里就可上路。坏处是不安全；需在国内兑换人民币并损失汇兑手续费；入境中国携带超过5000美元需申报。
• 最聪明的方法：美国银行借记卡（Bank of America’s Debit Card）。美国银行和中国建设银行有合作关系，美国银行借记卡持有者可以在建设银行ATM机上取款，直接兑换成人民币，没有跨行或跨国取款手续费。缺点是每天有取款额度限制，额度视个人信用而定，通常每天最多能取$500，但是你可以打电话给美国银行客服部，要求临时提高取款额度。
• 最拉轰的方法：信用卡。回国探亲和旅游，掏现金买东西已经落伍了！国内现在几乎人人都有信用卡，大部分商场接受信用卡购物。因此，回国务必带一张没有境外刷卡手续费（No Foreign Transaction Fees）的信用卡。这样，在中国刷卡消费就不会被收取3%的境外刷卡手续费，就好比你在北美使用信用卡一样。严重推荐一张最受欢迎的、没有境外刷卡手续费（No Foreign Transaction Fees）的信用卡，而且目前有强力促销：开户送4万点奖励（价值$400 Gift Card或者价值$500的机票），第一年免年费（持卡半年后若注销信用卡，开户奖励自己保留）。