1. 首先申请这张Gold Delta SkyMiles® Credit Card (下图)：开户就送30,000里程奖励！第一年免年费。点击这里立即申请>>

2. 注册Netflix会员（网上看电影），立即就送2,500 Delta里程。付一个月月费$8后即可取消Netflix会员。Delta的里程数奖励不会被收回。

3. 申请Fidelity股票账户并存款，最高可拿50,000 Delta里程。

• 这个Fidelity的里程deal要求存款$25,000就送15,000里程；存款$50,000就送25,000里程；存款$100,000就送50,000里程
• （注意：这个方法目前不一定有效了）经过多方验证：存款（Deposit）是可以累积的。在90天内，你可以不断的存钱、取钱，累积存款数，把你能获得的里程奖励数最大化。比如你只有1万美元存款，存钱取钱5个来回，就能累计到5万美元存款总数，最终拿到25,000的里程数奖励。这个存钱取钱的过程需要把Fidelity账户跟你常用的Checking Account连接起来，就可以随时电子转账了。
• Fidelity是美国最好的股票和基金管理公司。
• Fidelity新老用户都可以搞这个deal。
• Fidelity对新用户不会检查信用报告，因此不会影响信用分数。
• Delta的里程数奖励反映在帐上后，随时可以把存款取出来，Delta的里程数奖励不会被收回。Delta里程数不会过期。

美联航（United）免费回国机票 - 全家狂省2000刀:

只需申请2张信用卡，即可获赠足够里程积分，换取1张往返中国的免费机票

• 步骤1： 申请 Chase Sapphire Preferred: Earn 40,000 miles/points (easily transfer to United Airlines at Chase's website)

• 步骤2: 申请 - United MileagePlus Explorer Card from Chase: Earn 25,000 miles at first card usage (can earn up to 40,000 bonus miles)
• 40,000 + 25,000 = 65,000 miles, enough for a FREE Round-Trip United or Continental Airlines Ticket to China
• Important note: if you apply for both cards above, and Chase denies your second card application, please call Chase at 1-800-432-3117 to ask for reconsideration. Most likely they will approve your second card application over the phone.

关于找丢网（DealAm.com）信用卡Deals:

找丢网DealAm.com简介：找丢网是北美最大的折扣信息(deals/coupons)中文媒体。在商品领域，我们每天收集整理并发布Amazon和Walmart等商家的最新优惠信息和打折商品，供读者免费浏览；在信用卡领域，我们协助Citibank和Chase等银行通过开户送奖等方式推广其信用卡。我们对华人社区的专业关注已经受到了北美侨报，星岛日报，新明晚报北美版等媒体的报道。
为什么信用卡公司提供开户奖励：信用卡开户送现金、积分或航空里程在美国不是新鲜事。由于信用卡优质客户的利润很高但是竞争激烈，信用卡公司（如Citibank和Chase）为了争取新用户或推广一些新卡，往往不惜代价，给用户很多好处。
您的个人信息保护：我们只提供信用卡申请的链接，不直接受理申请。您的申请会在相关信用卡公司的网站完成。我们的网站不会接触到您的任何个人信息。

信用卡Deal小知识：

• 信用卡开户赠送现金或里程数通常要达到一定的要求才能拿到，比如3个月内至少使用一次信用卡，或者消费满$500等。
• 航空信用卡用里程数换免费机票的要求：
  • 飞美国大陆地区往返需要25,000 miles
  • 飞夏威夷往返需要35,000 miles
  • 飞中国/亚洲往返需要65,000 miles
  • 飞欧洲往返需要60,000 miles
• 航空信用卡开户赠送的里程数即使在信用卡关闭后，也会累计在你的航空公司常飞旅客的帐号下（Frequent Flyer Number），不会被收回。

• Hot!!! 最热门的开户送现金Cash Back信用卡
  
• Hot!!! 最热门的航空里程积分信用卡
• 最好的汽车加油和餐馆消费信用卡 （信用分数要求最低）
• 超市购物6% / 3% Cash Back信用卡
• 花旗银行最佳Cash Back信用卡
• 航空里程积分信用卡（United, Delta, Southwest, American Airlines）
  
• 中小企业Business Rewards信用卡
• 零利率信用卡0% APR Balance Transfer and Purchase Cards
• 酒店Hotel Rewards信用卡
  
• 加拿大信用卡Deals
• 学生信用卡Deals
• Costco会员3% Cash Back信用卡
• 免费快速查询信用分数（Free Credit Score）

最热门的开户送现金Cash Back信用卡
	Chase Sapphire Preferred Card 40,000 Bonus Points/Miles worth $500 toward travel No Annual Fee for the first year Limited Time Offer! - Earn 40,000 bonus points after you spend $3,000 in the first 3 months- that's $500 toward travel! 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases. Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate Rewards(SM) No foreign transaction fees Earn a 7% annual points dividend - even on points already redeemed Transfer points you've earned to participating frequent traveler programs at a 1:1 value 24/7 direct access to expert service advisors (No voice recording) No Annual Fee for your first year - A $95 value 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。
	Chase Sapphire Credit Card 10,000 Bonus Points No Annual Fee Limited Time Offer! - Earn 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward a flight or any other reward! 2 points per dollar spent on dining & 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 24/7 direct access to expert service advisors (No voice recording) No annual fee! 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。
	Chase Freedom® Visa $100 Bonus Cash Back + 0% Intro APR No Annual Fee Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 15 months on balance transfers and purchases 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12. You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchases Up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire 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。 申请Visa版本>> 申请MasterCard版本>>
	Blue Sky from American Express $100 Statement Credit No Annual Fee Earn 7,500 bonus points – redeemable for a $100 statement credit NO Annual Fee 0% Introductory APR for 12 months 1 Point for Every Dollar spent on Eligible Purchases Full access to Blue Savings Program, which offers range of discounts Travel protection guaranteed 中文解释： Blue Sky from American Express 开户后送$100 Statement Credit 无年费 开卡即送7,500 points，可兑换$100 Statement Credit 此卡无年费 前12个月享受0% Introductory APR 所有符合要求的消费，每花费1美元可积1分 可加入Blue Savings Program，获得各种消费折扣 旅行安全保证 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。
	American Express(R) Premier Rewards Gold Card 25,000 Bonus Points No Annual Fee for the first year Membership Rewards® bonus: 25,000 points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership. Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else. Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide. Introductory annual fee of $0 for the first year, then $175. Get a decision in as little as 60 seconds. 中文解释： American Express(R) Premier Rewards Gold Card 开户后送25,000 Bonus Points 第一年免年费 开卡后3个月内消费满$2,000，送25,000 points，可兑换$250 Gift Card 购买机票享3倍积分，汽油或日用品消费享2倍积分，其余消费1倍积分 第一年免年费，此后每年$175 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。
	Capital One® Cash Rewards $100 Bonus Cash Back No Annual Fee $100 Bonus after you spend $500 in the first 3 months 50% bonus on the cash back you earn every year 1% cash back on all purchases No annual fee Earn unlimited cash rewards that don't expire Redeem cash rewards anytime for any amount, even set up automatic redemption Personalize your card with an image of your choice 0% intro APR on purchases and balance transfers until June 2013. 中文解释： Capital One® Cash Rewards 开户后送$100 现金奖励 无年费 开卡后3个月内消费满$500，即送$100 现金奖励 每年的现金返还可获得50% Bonus 所有消费获得1% 现金返还 此卡无年费 消费积分不过期，也没有消费积分最高限制 2013年6月前刷卡消费和信用卡转账0% intro APR 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。
Most Rewarding Airline Credit Card - Best  Way to Get Free Airline Tickets (Only 70,000 miles needed for a FREE two-way ticket between the U.S. and China)
	British Airways Visa Signature Card Up To 100,000 Bonus Miles Earn 50,000 bonus Avios Points after your first use of he card Plus, earn an additional 25,000 bonus Avios Points after you make $10,000 in purchases within the first year of account opening Plus, earn an additional 25,000 bonus Avios Points after you make an additional $10,000 in purchases also within the first year of account opening So in total you will be able to earn 100,000 bonus Avios Points! No foreign transaction fees Earn 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases Annual fee $95 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。
	United MileagePlus® Explorer Card  Up To 40,000 Bonus Miles No Annual Fee for the first year Earn up to 40,000 bonus miles & first year free, a $95 value* First checked bag is free for you and a companion when you fly United flights, up to a $50 value Board your flight before general boarding with priority boarding privileges Visit the United Club with two complimentary day passes every year, up to a $100 value Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else Your miles don't expire and there is no limit to the number of miles you can earn 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。
最好的汽车加油和餐馆消费卡（信用分数要求最低！）：这两种消费一年四季都是2% Cash Back
	Discover® Open Road Card 2% Cash Back on Gas and Restaurants No Annual Fee 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%* 2% automatically at gas stations and restaurants all year long* Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information 中文解释： Discover® Open Road Card 一年四季汽车加油和餐馆消费都是2% Cash Back！ 无年费 2% Cash Back，适用于加油和饭店消费 通过Discover.com在受欢迎的在线零售店消费，可获得最高20% Cash Back 0% intro ARP on Balance Transfers and Purchases 长达15个月（向银行借钱15个月的利率为0%） 无年费 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。
超市购物6% / 3% 汽车加油3% / 2% Cash Back信用卡
	Blue Cash Preferred Credit Card $150 Bonus Cash Back + 6% Cash Back at Supermarkets + 3% Gas $75 Annual Fee $150 Welcome Bonus: Earn a $150 cash back bonus with $1,000 in eligible purchases in the first 90 days of Cardmembership on your Blue Cash PreferredSM Card Unlimited cash back on everyday purchases - 6% at supermarkets, 3% at gas stations and department stores, and 1% on all other eligible purchases Use your Card for all your purchases and you can earn unlimited Reward Dollars. Redeem Reward Dollars for cash back, or choose from gift cards or merchandise. $75 bonus for each friend you refer who is approved for the Card - no limit to how many bonuses you can receive Blue Savings ProgramSM, which includes a wide range of discounts and extras at hotels, restaurants, and more $75 Annual Fee — If you spend just $25 per week at supermarkets, you can receive over $75 in cash back by the end of the year 中文解释： Blue Cash Preferred Credit Card $150开卡奖励 最高达6%现金返还 $150 开卡奖励 (要求开卡后三个月内消费满$1,000) 超市消费可享受6%现金返还，加油站与百货商店(Sears, Macy’s等)3%，其他类别1% 积分可兑换为现金 (Statement Credit)或礼品及Gift Cards 每推荐一位亲朋好友申卡获得通过可获得$75 Statement Credit——无上限 通过Blue Savings Program获得额外优惠——包括酒店，餐饮及其他消费 年费$75——只需每周在超市消费$25 (每年1,200)即可获得每年$75的现金返还来支付年费 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。
	Blue Cash Everyday Credit Card $100 Bonus Cash Back + 3% Cash Back at Supermarkets + 2% Gas No Annual Fee Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Card membership 0% intro APR on purchases for 12 months, flexibility to pay over time Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases No spend minimum, No enrollment, and No rotating rewards categories Get a $25 Referral Bonus for each friend or family member who is approved for the Card No annual fee, flexibility to pay over time 中文解释 Blue Cash Everyday Credit Card $100开卡奖励 无年费 $100 开卡奖励 (要求开卡后三个月内消费满$1,000) 超市消费可享受3%现金返还，加油站与百货商店(Sears, Macy’s等)2%，其他类别1% 积分可兑换为现金 (Statement Credit)或礼品及Gift Cards 每推荐一位亲朋好友申卡获得通过可获得$25 Statement Credit——无上限 无年费 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。
花旗银行最佳Cash Back信用卡
	Citi Dividend Platinum Select Visa Card $100 Bonus Cash Back No Annual Fee $100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll. Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com. Full 1% cash back on all other purchases and eligible cash advances No Annual Fee 中文解释： Citi Dividend Platinum Select Visa Card 开户后送$100现金奖励 无年费 开户后3个月内消费满$500，送$100现金奖励 12个月转账和刷卡消费0% Intro APR 5% cash back（适用于2012年4月1日至2012年6月30日Home Depot的消费，以及Home & Garden类物品的消费） 其余消费享1% cash back 此卡没有年费！ 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。
	Citi ThankYou Preferred Card $150 Gift Card No Annual Fee Get 15,000 bonus ThankYou Points after you make $1,000 in purchases within the first 3 months—good for $150 in gift cards Earn 1 ThankYou Point for every $1 you spend on all purchases. Earn 5 points per $1 spent at supermarkets, drugstores and gas stations for the first 12 months; 1 point per $1 spent thereafter. No points cap or expiration No annual fee 中文解释： Citi ThankYou Preferred Card 开户后送价值$150 Gift Card 无年费 开户后3个月内消费满$1000，即送15,000点奖励（可以兑换$150 Gift Card） 消费1美元送1 ThankYou point 前12个月在超市、药店、加油站每消费1美元送5 points，此后每消费1美元送1 point 消费积分不过期，也没有消费积分最高限制。 无年费 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。
United, AA, Southwest, Deta 航空里程积分信用卡
	British Airways Visa Signature Card Up To 100,000 Bonus Miles Earn 50,000 bonus Avios Points after your first use of he card Plus, earn an additional 25,000 bonus Avios Points after you make $10,000 in purchases within the first year of account opening Plus, earn an additional 25,000 bonus Avios Points after you make an additional $10,000 in purchases also within the first year of account opening So in total you will be able to earn 100,000 bonus Avios Points! No foreign transaction fees Earn 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases Annual fee $95 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。
	United MileagePlus® Explorer Card  Up To 40,000 Bonus Miles No Annual Fee for the first year Earn up to 40,000 bonus miles & first year free, a $95 value* First checked bag is free for you and a companion when you fly United flights, up to a $50 value Board your flight before general boarding with priority boarding privileges Visit the United Club with two complimentary day passes every year, up to a $100 value Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else Your miles don't expire and there is no limit to the number of miles you can earn 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。
	Gold Delta SkyMiles® Credit Card 30,000 Bonus Miles (good for a free flight) No Annual Fee for the first year Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening $0 intro annual fee for the first year, then $95 Check your first bag FREE – for up to 9 people on your reservation – on every Delta flight Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent Priority Boarding and 20% In–Flight Savings 中文解释： Gold Delta SkyMiles® Credit Card 开卡获得30,000里程 第一年无年费 开卡可获得30,000里程(三个月内消费满$500) 第一年免年费，之后每年$95 最多九名与您一同订票的乘客乘坐Delta航班第一件托运行李全部免费 Delta相关消费每$1获得2里程积分，其他消费每$1获得1里程积分 优先登机及机上消费八折优惠 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。
	Citi Platinum Select / AAdvantage Visa Signature Card 30,000 Bonus Miles No Annual Fee for the first year Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership* Your first eligible checked bag is free* Priority Boarding* and 25% savings on eligible in-flight purchases* Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal* Double AAdvantage® miles on eligible American Airlines purchases* Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage(R) miles each calendar year* No mileage cap* and your miles may never expire* No annual fee for the first year, then $95 中文解释： Citi Platinum Select / AAdvantage Visa Signature Card 开户后送30,000 Miles 第一年免年费 开户后前3个月内消费满$1,000，即送美国航空公司30,000 miles（足够兑换一张美国国内往返机票）。 第一个托运行李免费。 优先登机（Priority Boarding） 持卡者每年送$100购票折扣 此卡第一年免年费，此后每年$95。 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。
	Southwest Airlines Rapid Rewards Plus Credit Card Free Flight Earn a FREE FLIGHT after your first purchase Get 3,000 Points every year on your Card member Anniversary - that can be redeemed for a $50 Wanna Get Away® Fare Now you can redeem for International Travel, Hotels, Gift Cards and more. Earn unlimited FREE FLIGHTS - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else Your Bags Fly FREE!  No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats! No Change fees - if you need to change your flight, you won't be charged a fee September 11th Security Fee Applies $69 annual fee 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。
	Capital One® VentureOne℠ Rewards Credit Card 10,000 bonus miles No Annual Fee  1.25 miles per dollar on every purchase, every day One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel. Redeem miles for airline tickets, hotel rooms, car rentals and more No limit on the miles you can earn and miles won't expire Fly free on any airline, any time with no blackout dates 0% intro APR on purchases until June 2013 No foreign transaction fees No annual fee 中文解释： Capital One® VentureOne℠ Rewards Credit Card 开户后送10,000 Miles 无年费 开户后3个月内消费满$1,000，即送10,000 miles 每花费$1，送1.25 miles 可用里程兑换机票、酒店住宿、租车服务等 里程不过期，也没有最高里程积累限制 2013年6月前刷卡可享受0% intro APR 无境外刷卡交易费 此卡无年费 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。
Business Rewards Credit Cards
	Ink Cash Business Card  $250 Bonus Cash Back No Annual Fee Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months! 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 Cash back rewards do not expire 0% Introductory APR for 12 months No Annual Fee 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。
	Ink Bold with Ultimate Rewards 50,000 Bonus Points No Annual Fee for the first year Earn up to 50,000 bonus points – 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months – that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool Earn up to 5X points per dollar on eligible business purchases, and points do not expire No foreign transaction fees Free Employee Cards No interest charges because it's a pay-in-full charge card Transfer points you‘ve earned to participating frequent travel programs at a 1:1 value No Annual Fee in the first year – a $95 savings 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。
	Ink Classic Business Card 25,000 Bonus Points No Annual Fee Up to 25,000 bonus points – 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months! 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel 1 point per dollar on all other card purchases with no limit on the amount you can earn Points do not expire 0% Introductory APR for 12 months No Annual Fee 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。
0% APR Balance Transfer and Purchase Credit Cards
	Slate® from Chase No Balance Transfer Fee No Annual Fee No Balance Transfer Fee! 0% Intro APR for 15 months on purchases and balance transfers Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5 Avoid interest on everyday purchases Pay down your balance faster Zero liability on unauthorized purchases* No Annual Fee* 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。
	Citi Simplicity Card 18-month 0% APR on balance transfers and purchases (也就是说，利用此信用卡向银行借钱18个月不用付利息！买大件商品尤其适用) No Annual Fee 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee 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。
	Discover® More Card 0% intro APR on Balance Transfers for 18 Months No Annual Fee 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information 中文解释： Discover® More Card $0转账手续费 无年费 前六个月消费享0% intro APR 前18个月Balance Transfer，享0% intro APR 旅游、汽油、餐厅等类别的消费，可享5% Cashback Bonus 此卡无年费，无兑奖手续费，无额外卡费 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。
Hotel Rewards Credit Cards
	Starwood Preferred Guest® Credit Card 25,000 Bonus points No Annual Fee for the first year Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates 2011 SmarterTravel® Award for "Best Travel Rewards Card" $0 introductory annual fee for the first year, then $65 中文解释： Starwood Preferred Guest® Credit Card 25,000开卡积分可兑换最多12晚免费酒店 第一年无年费 开卡后首次消费即可获得10,000点积分，6个月之内消费满$5,000可再获得15,000积分，合计25,000可兑换至多12晚免费酒店 无限制日期使用Starpoints兑换全球超过350家航空公司机票及超过1,000家酒店客房 当选2011 SmarterTravel® Award “最佳旅行奖励卡” 第一年免年费，之后每年$75 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。
	Marriott Rewards® Premier Credit Card 50,000 Bonus Points (worth up to 7 nights) & 1 Free Night No Annual Fee for the first year Earn 50,000 Bonus Points after your first use (worth up to 7 nights) Receive 1 free night stay upon account approval and each year upon account anniversary Earn 5 points for every $1 spent at Marriott® locations Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases Earn 1 point for every $1 spent on other purchases No foreign transaction fees Cardmembers achieve Silver elite status with 15 nights credit toward Elite status Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites No Annual fee for your first year - that's a $85 value 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。
	Marriott Rewards® Credit Card Earn Up To 6 Free Nights No Annual Fee for the first year Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel Earn 3 points for every $1 spent at Marriott® locations Earn 1 point for every $1 spent on other purchases Cardmembers achieve Silver elite status with 10 nights credit toward Elite status Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites No Annual fee for your first year - that's a $45 value 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。
	Citi Hilton HHonors Visa Signature Card 40,000 Hilton HHonors Bonus Points No Annual Fee Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening* Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio.* Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.* Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.* No annual fee.* 中文解释： Citi Hilton HHonors Visa Signature Card 开户后送40,000点希尔顿酒店积分 无年费 开户后4个月内消费满$1,000，即送40,000点希尔顿酒店积分（可兑换成3天的免费住宿）。 在全球希尔顿酒店消费，每消费$1送6点积分。 超市和药店购物、汽车加油，每消费$1送3点希尔顿酒店积分。 其余类别消费，每消费$1送2点希尔顿酒店积分。 此卡没有年费！ 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。
	Hyatt Credit Card 2 Free Nights 2 Award Nights at Hyatt properties, after making your first purchase Receive 1 Anniversary Award Night each year No foreign transaction fees and Smart Chip protection on international purchases 3 Hyatt Gold Passport points for every $1 spent at all Hyatt properties 1 Hyatt Gold Passport point for every $1 spent on purchases elsewhere $75 Annual Fee 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。
加拿大信用卡Deals (点击这里查看所有加拿大信用卡Deals)
	加拿大最好的Cash Back信用卡之一： Smart Cash MasterCard® Credit Card 5% Cash Back No Annual Fee 5% cash back on all of your gas and grocery purchases for the first 6 months 3% cash back on gas and grocery purchases thereafter And, you'll always earn 1% cash back on all of your other qualifying net retail purchases 1.99% annual interest rate (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months Enjoy free online access to your credit card account No annual fee and free additional cards you'll start to see the benefits right away Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque - it's that simple
	Best Western MasterCard Credit Card 20,000 Bonus Points No Annual Fee Earn 1.5 Best Western Rewards points for every $1 in net retail purchases Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase Receive 50 Best Western Rewards points for every cash advance transaction over $50 No Annual Fee 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances Around-the-clock fraud protection Online access to your credit card account Unparalleled 24-hour Customer service Immediate cash access at 430,000 ATMs internationally
学生信用卡Deals
	Discover® Student Card - $20 Cashback Bonus $20 Cashback Bonus No Annual Fee Experience Discover's great rewards program. Earn $20 Cashback Bonus * when you make your 1st purchase within 3 months of approval 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% - 18.99%* 5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges No Annual Fee Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information 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。
	Citi Forward® Card $100 in Gift Cards No Annual Fee $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable 5 points for every $1 spent  at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases APR reduction on purchases when using credit wisely No Annual Fee 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。
	Journey Student Rewards from Capital One 1% Cash Back No Annual Fee Designed to help students build good credit with responsible use Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit Customizable text and e-mail alerts to help keep you on track Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time No annual fee $0 Fraud Liability if your card is lost or stolen 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。
	Capital One Secured MasterCard A Card to Help Build Credit Get the credit you need with no processing fees or application fees Automatic reporting to the 3 major credit bureaus Track credit with access to your credit score and other tools Your refundable security deposit can get you a line up to $3000 You may qualify for credit line increases with no further security deposit required Use it like any MasterCard credit card, accepted at millions of locations worldwide 中文解释： Capital One Secured MasterCard 帮助累积信用 帮助累积有效信用，无申请费和处理费 自动向3大信用机构报告信用分数 通过信用分数和其它方式追踪信用等级 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。
Costco会员3% Cash Back信用卡
	TrueEarnings® Card from Costco and American Express Up To 3% Cash Back No Annual Fee for Costco members American Express® Card and Costco Membership Card in one — with no annual fee for Costco members Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express 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。 中文解释： TrueEarnings® Card from Costco and American Express 最高3%现价返还 无年费 Costco会员专属信用卡--无年费 消费返现--加油站3%(适用于最多每年$3,000加油消费，之后1%），餐饮、酒店/机票/租车 2%，其余所有消费1% 该信用卡持卡人给予四星半满意评价（满分五星）
免费快速查询信用分数（Free Credit Score）
	先点击这里到该creditreport网站； 注册个人信息，注册后能立即获知你的个人信用分数； 7天内取消，不收任何费用：） 因为是试用服务。如果7天内不取消，就被视为购买其member服务，每月会被收取十几刀的服务费。 免费快速查询你的信用分数是多少 全美平均信用分数是645。 这的确有点悲催，因为实在够得上Subprime (次级贷款分数)了。 那你的信用分数是多少呢？ 立即免费查询自己的信用分数！Experian公司（信用记录公司之一）的creditreport网站正在提供免费查询你在三大信用记录公司的分数的服务。信用分数对你在申请各类信用卡，贷款（买房买车等）等至关重要，在申请前，务必查询自己的信用分数，通常分数良好才可申请，否则容易被拒。   获取免费信用分数的方法很简单： 查询自己的信用分数，不会对你的信用分数产生影响。 点击这里立即免费查询 另一家免费查询信用分的网站：   免费查信用分服务的网站有几家，通常每人只能免费查一次，以后再查就要交费。如果你已经用过以上的免费查分服务，就还可以用下面这个网站，也是7天免费试用，7天内不取消就要被收费。 FreeCreditScore(SM)（美国三大信用机构Experian的子网站）：点击这里在这个网站免费查询你的信用分。

 
 
 
 


如何把钱无成本地搞回国内？就这三个方法！


回国携带现金和用款的三大方法：
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5万点奖励（价值$500 Gift Card或者价值$625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）。