【2021.11更新】通过refer,一笔消费就返$100的开卡奖励仍然有效(已经持续很久了)。笔者个人认为,如果你已经无卡可开了,此卡作为首年3x信用卡,尤其适合购物季的适合入手。
以下方法均可
1. 复制链接前往申请
2. 长按识别二维码申请或者跳转浏览器申请
3. 点击左下角“阅读原文”(Read More)申请
- SSN(美国的社会安全号)
- 0 信用记录
只有通过refer的链接才有开卡奖励,上述即为我们的链接。
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开卡后三个月内,第一笔后即给 $100。返现虽然叫 Miles 但其实是 Cash,Miles 可以以1cent/point兑换美金。
- 无年费!
- 开卡奖励为 $100, 三个月内消费一笔即可。
- 可以添加副卡,无费用,没有限制副卡数量。
- 有 3 种卡面可选,你也可以随时找客服替换。
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1.5% 返现,首年双倍返现 3%,无上限。
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首年额外的返现会在持卡一年后到账。
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没有境外消费转换费(no Foreign Transation Fee,FTF)。
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与银联有合作,在中国大陆,理论上合法的银联POS机都可以刷此卡。
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可以绑定微信支付,消费类别为Misc Cat,首年 3% Cashback,之后 1.5%。
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账单地址可以联系客服改为全球多数地方(包括中国),但改为可能无法 refer 别人。
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此卡可以 refer 别人,每推荐成功一人,双方分别获得 $100,每个日历年(Calendar Year)的推荐上限为 $500 (10人)。
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每个月账单金额小于等于 $2.00,Discover都会帮你抹掉账单,不需要还款。如果此卡沦为你的抽屉卡,可以设置定期进行一些小额充值,比如Amazon Reload或购买iTunes 50G的存储空间、通过Apple Pay Reload日本的一些交通卡(如日本西瓜卡)等:美国信用卡Small Balance Credit介绍
- 申请需要 SSN
- 除了首年双倍 3% 返现,之后只有 1.5%。
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添加副卡需要 ITIN 或 SSN,友好度较差
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发卡组织为Discover本身,接受度不高,除了与银联及Dinner‘s Club合作外,在境外刷卡比较难。
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拿到 SSN 之后即可通过 refer 链接申请,欢迎使用我们的上述链接(或阅读原文前往申请)
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Discover 信用卡每人只能持有两张,需要在第一张信用卡至少满一年才能申请第二张。
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如果你消费能力很强,此卡适合你作首卡,反之建议选择季度 5% 的Discover it 作为首卡
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你可以持有一张季度5%的Discover it卡,再持有一张Discover Miles。
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Discover 很少有retention offer,但可以尝试下。持卡满一年后,可以尝试打卡背面电话,咨询是否有 retention offer。
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Discover 信用卡持满一年后,可以转卡,打卡背面电话或者直接网上操作:Discover信用卡之间快速在线转卡。
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如果需要关卡,建议至少持卡满一年后再进行。考虑到 Discover 的信用卡都没有年费,为了保持良好的信用记录,美卡攻略不建议你关卡,当作抽屉卡还是不错的。
如需添加作者微信或者加入读者群,在公众号后台输入“好友”,即可扫码添加作者。欢迎咨询各类问题。
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