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.
在美国信用积累很重要。信用卡不仅是我们作为国际学生积累信用的工具，也是为我们省钱以及理财好帮手。
下面的几种信用卡各有特色，但无疑是在美国的数千种信用卡里比较突出的了，毕竟是CNN选的。信用卡申请的条件大都相似，但是好的信用记录是基础。如果你有600 up的信用积分，并且有一些稳定的收入：比如打工、TA、RA等等，申请成功的把握更大。
信用积分可以再freecreditreport.com免费查询。当然，刚拿到SSN的同学还是去试试专门为学生准备的信用卡吧，等到信用积分比较高了再申请其他的信用卡。提醒：反复申请一张卡会造成信用积分的降低；同样，信用卡过多也会成为申请新卡的不利因素。
Simmons First Visa Platinum
Courtesy: Simmons First
Why we like it: Very low rate （低利息，适合偶尔 透支消费的人）
If you're looking for a low rate, you can't get much better than 7.25%, but you must have excellent credit to be approved. Bonus: There are no balance transfer fees, though transferred balances don't get a teaser rate -- they go right to 7.25%.
Interest rate: 7.25% variable
Grace period: 25 days
(www.simmonsfirst.com , 800-272-2102)
Schwab Invest First Visa
Courtesy: Schwab.com
Why we like it: Great cash-back rewards, no foreign transaction fees （这个卡很好，任何消费都可以得到2%的返利，而且在美国以外的国家消费也不收手续费。一般的信用卡都要收3%境外消费手续费）
You earn 2% unlimited cash back on every single purchase you make. You must have a Schwab One brokerage account, but there are no fees to open or maintain the account. Bonus: If you're traveling abroad, this is the card to take with you -- it charges no foreign exchange transaction fees.
Grace period: At least 25 days from the statement closing date
(www.schwab.com , 866-724-9223)
Citi Forward
Courtesy: Citigroup
Why we like it: Shrinking APR （这个卡，只要按时还款，利率会慢慢下降，适合常 年透支消费的人群）
Citi Forward just might be the model for all credit cards in the future: Stay under your credit line and pay at least your minimum amount due on time three billing periods in a row, and your purchase APR will be reduced by 0.25%. It can be reduced a maximum of eight times for a total reduction of 2% during the lifetime of your account.
Interest rate: 12.24% variable
Grace period: At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period.
(www.citiforward.com , 800-456-4277)
Pentagon Federal Visa Platinum
Courtesy: PenFed.org
Why we like it: Cash back for gas guzzlers （看好哦！直属联邦五角大楼的信用机构。买汽油返利5%，超市消费返利2%，其他所有返利1.25%，而且现在还有限时活动 ：2009年7月31日前用这个卡买飞机票返利5%！很好的卡。就是申请程序稍显繁琐，需先加入联邦的Credit Union，读下文可知。）
The rewards on this credit union card are hard to beat, especially if you're a road warrior. Earn 5% back on all gas purchases, 2% on supermarket purchases, and 1.25% on everything else. You must join the credit union to apply, but if you don't meet membership requirements , you can join the National Military Family Association -- open to anyone -- for a one-time fee of $20. PenFed is also promoting a great balance transfer for life rate -- 2.99%. (Balance transfer fees are 2.5% of the loan, capped at $100.)
Interest rate: 13.99%
Grace period: 25 days on average
(www.penfed.org , 800-247-5626)
Clear from American Express
Courtesy: AmericanExpress.com
Why we like it: Free from fees （没有任何费用。懒人专用，适合经常忘记还款，透支消费的人。同时可以得到1%的返利。不过要先问清楚你经常消费的地方是否接受American Express。）
If you're looking for simplicity, go with this card. It charges no fees of any kind -- late, over-limit, balance transfer, or cash advance fees. You earn an unlimited 1% back on every purchase; you automatically receive a $25 American Express shopping card for every $2,500 you spend.
Interest rate: Starts at prime + 8.99%
Grace period: 28-31 days if the previous balance shown on each billing statement is paid in full by each respective due date.
(www.americanexpress.com , 800-223-2670)
Blue Cash from American Express
Courtesy: AmericanExpress.com
Why we like it: A lot of cash back （大宗消费者必备的卡。优惠幅度惊人：以一年为单位，每年消费在汽油、超市和药房的头$6500返利1%，其他消费返利0.5%； $6500之后的 汽油、超市和药房的消费返利5%，其他返利1.5%。个人认为这个卡适合拥有大家庭的人，或者烧钱能力较强的成功人士的留学子女。顺便说一下，American Express的卡比较漂亮。）
Big spender who pays down your balance each month? This is the card for you. After you spend $6,500 in a year, you earn 5% back on all purchases at supermarkets, drugstores and gas stations and 1.5% back on everything else. (Before you reach $6,500, you earn 1% and 0.5%, respectively.)
Interest rate: Starts at prime + 7.99%
Grace period: Up to 20 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
(www.americanexpress.com , 800-223-2670)
免责声明
申请信用卡时请仔细阅读银行的各项条款，银行条款中与上文不符的，请遵循银行条款。本文意在为在美国生活的人提供实惠的生活信息，因此文产生的各种纠纷本人不承担任何法律责任。
金融危机下的美国出现信贷紧缩的现象，多少会影响到信用卡申请的成功率。这时需要大家拿出签证时的勇气和信念。最后祝大家申卡成功！
