今天一口气申了5张。应该都是不错的卡（我这个信用分数下能申的。。。），写出来分享给大家。
1. Chase Freedom:
主要是有250刀的bonus，无年费，而且5% CB的种类蛮适合我。
No Annual Fee, 3% foreign transaction fee
$250 Cashback after spend $500 in 3months
5% Cash Back for selected category, 1% for others
July-Sept.: Gas, Airlines, Hotels
Oct-Dec: Dining, stores, movie, charities
2. AMEX Gold Delta Skymile Card:
主要是因为底特律这里坐delta太方便了，而且我每年飞得很多，所以skymile对我很重要。还可以申白金卡，比金卡稍微好一点，25000 bonus miles里有5000可以算作Medallion Qualification Miles，意义不大。我怕中不了，就没申白金，申的金卡。
20,000 bonus miles with first purchase and an additional 5,000 miles for adding 2 Additional Cardmembers to your account.
First Bag Free: Get a free checked bag for up to nine people in your reservation - a roundtrip savings of $50 per person.
No Annual Fee for the first year: A savings of $95.4
Earn Miles: Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent.
Pay with Miles: Start redeeming with as few as 10,000 miles for $100 off a Delta ticket, with no blackout dates or seat restrictions.7
3. CapitalOne Cash Reward Card:
其实很一般，有年费。申这个主要是因为2%的加油站和超市，在别的卡没有5% CB的时段用。而且没有跨国手续费，方便在境外使用。所以有年费也就算了。
$39 Annual Fee, no foreign transaction fee
2% cash back on purchases at gas stations and major grocery stores
1% cash back on all other purchases
4. Discover Open Road Card:
主要是为了申一张discover网络的卡，而且在一些网站购物的CB很高。比如buy.com、bobbibrown什么的。Discover还有一种student credit card或者more card，selected category是5% CB，但是额度比较低，selected的也不怎么适合我。
No Annual Fee, 2% foreign transaction fee
Free $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 11.99% - 20.99%
2% Cashback Bonus automatically at any gas station and any restaurant all year long
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
1% Cashback for others
5. Citi Forward:
这个神卡，不解释。。。5% CB for food, bookstore, movie theater any time.还没有年费。
No Annual Fee, 3% foreign transaction fee
5,000 bonus ThankYou Points after you make $600 in purchases within the first 3 months of account opening3
1,000 bonus ThankYou Points when you sign up for Paperless Statements within the first 3 months of account opening3
100 bonus ThankYou Points each billing period when you pay on time and stay under your credit limit2
5 ThankYou Points for every $1 spent on purchases at restaurants (including fast food), bookstores, music stores, video rental stores and movie theaters;
1 ThankYou Point for every $1 spent on all other purchases2
对了，Citi的identity monitor现在有deal，一个月只要5块钱，可以看信用报告，信用分数，还可以监控你的identity有没有被盗。
http://www.identitymonitor.citi.com/index.aspx
最后推荐一个american express的blue cash everyday
Apply through the following link you can get a 100 dollar bonus by Feb 28 2012 if you spend 1000 within your first 90 days of Cardmembership.
http://email.americanexpress.com/a/hBPDFRSAQB6FsB8eRpmNtLDiH.AQB6Fsf$/axp3?MGM_GEN_ID=2C03E565B03A5B3D5CE0A31F23287FB9F630B68437904BAA
• Get 3% cash back at supermarkets
• Get 2% cash back at gas stations and department stores
• Get 1% cash back everywhere else1
Start with $100 cash back2
You can get a $100 bonus when you spend $1,000 in your first 3 months with the Blue Cash Everyday Card.
Plus, as a Cardmember you can:
Earn unlimited cash back on your purchases
With the Blue Cash Everyday Card, there's no spend minimum and no enrollment required, so you can start earning cash back right away. It's easy to earn cash back because the reward categories don't change. 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.
Suite of travel and shopping protections
With your Blue Cash Everyday Card, enjoy access to a suite of shopping and travel protections, like Purchase Protection3, Extended Warranty4, Global Assist® Hotline5, Travel Accident Insurance6, and more.
Special savings with the Blue Savings Program®7
Blue Cash Everyday gives you access to the Blue Savings Program, which offers a wide range of offers and extras at hotels, car rental companies, restaurants, cruise lines, and more.
Refer a friend and receive a $25 bonus8
Recommend the Blue Cash Everyday Card to as many friends as you want and receive a $25 bonus for each friend approved for the Card. There's no limit to how many friends you can refer!
Plus, receive a 0% introductory APR on purchases for 12 months. After that, your APR will be a variable rate, currently 17.24%-22.24%.9
Apply now through this e-mail10 by February 28, 2012 to enjoy this special offer and more, for no annual fee.
Terms & Conditions
1. You will receive Reward Dollars for eligible purchases. You can redeem Reward Dollars for statement credits, or, at our discretion, additional items like merchandise and gift cards, whenever your available Reward Dollar balance is 25 or more. The number of Reward Dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases made during the billing period. Each eligible purchase shall qualify for a reward of 3, 2, or 1% of the purchase amount as follows: 3% for eligible purchases at supermarkets (excluding superstores and warehouse clubs), 2% for eligible purchases at department stores and for automobile gasoline purchased at stand-alone gas stations, and 1% for all other eligible purchases posted to your account. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. Additional terms and conditions apply.
2. Offer valid for first-time American Express Cardmembers only. To qualify for the $100 bonus, you must make purchases with your Blue Cash EverydaySM Card from American Express that total $1,000 or more within your first 90 days of Cardmembership. The bonus will be awarded in the form of Reward Dollars, which will be added to your Reward Dollar balance 6-8 weeks after the spend threshold is met and can be redeemed at any time at a minimum of 25. Cash advances, balance transfers, interest charges, fees, and the purchase of American Express® Travelers Cheques and American Express Gift Cheques, or other cash equivalents, do not apply. Additional Cardmembers on your account are not eligible for this offer. To receive the $100 bonus, account must be active, in good standing, and not in default at the time the statement credit is posted to your account.
3. Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
4. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.
5. While the Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Cardmembers are responsible for the costs charged by third-party service providers. Please consult your Welcome Kit for full terms and conditions.
6. Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
7. Visit americanexpress.com/bluesavings to view the Blue Savings Program® current offers, including their terms and conditions, the applicable promotion codes as well as Card enrollment instructions. To be eligible for the offers, you must (1) enroll your Card or enter the designated promotion code, if applicable, and (2) charge your purchases with a Blue from American Express®, Blue Cash® from American Express, Blue Cash Everyday,SM Blue Cash PreferredSM, Blue Sky from American Express®, or Blue Sky Preferred from American Express®.
8. You can earn 25 Reward Dollars for each new Blue Cash EverydaySM account you refer. Referred individual(s) must be approved for a new Blue Cash Everyday Card account. Please allow 6–8 weeks for the Reward Dollars to post to your account after each referred individual is approved for a new Card account. Due to the confidential nature of the credit approval process, you will not be notified of whether we approve or decline any application(s) from individual(s) you refer. You understand and agree that the referred individual(s) must apply online through an e-mailed link (provided by American Express) and be approved in order for you to receive the bonus. We cannot provide you with any non-public information about the referred individuals. The individuals you referred may not receive the e-mail if they have previously "opted out" of receiving e-mail marketing communications from American Express. If you violate or abuse this program, you may not receive some or all of the Reward Dollars.
9. Your APR on purchases will be 17.24%, 20.24%, or 22.24%, based on your credit worthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
10. You understand and agree that the American Express® Cardmember who referred you may be compensated if your application is approved, and consequently may be able to tell if your application is approved.
American Express Customer Service Department
P.O. Box 297817 | Ft. Lauderdale, FL 33329-7817
Copyright 2012 American Express Centurion Bank. All rights reserved.
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