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1. 发生了什么
AmEx前两天发布了改版的Amex Blue Cash Everyday信用卡,参考:
最初在businesswire里面就写明了改版的特点:
https://www.businesswire.com/news/home/20220714005286/en/
其中很重要额度一条是:
- No redemption minimum on Cash Back earned
2.返现卡返现兑换
在Amex Blue Cash Everyday的信用卡terms,兑换说明也替换了。
Cash Back Program You will earn cash back only on eligible purchases and in the form of Blue Cash Reward Dollars (reward dollars). You can redeem reward dollars for statement credits with no minimum redemption amount. You cannot use cash back to pay your Minimum Due. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period.
细心的Doc(及其读者)检索了所有返现卡的terms,都取消了最低兑换限制。这些卡是:
-
Amex Blue Cash Everyday
-
Amex Blue Cash Preferred
-
Amex cash magnet
-
一些绝版的卡,如Amex old blue
AmEx返现卡几个版本的兑换限制:
-
最早版本:每次只能兑换$25的整数倍
-
后来版本:每次必须兑换大于$25的金额
-
现金版本:不限制兑换金额,最低可以$0.01
实际操作了下,确实可以,如下图:
3.点评
这个肯定是好的改进,以前的版本会出现关卡前兑换不干净(不足$25整数倍)或者余额少于$25无法兑换,损失的相当于送给Amex了。现在有这个改进,还是很值得肯定的。
比如「美卡攻略-潮酷社群」知识星球读者Cpuer就曾经关过BCP,损失账户的$20返现(不足$25,无法兑换)。
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$49.99 (as of 2023年9月24日 21:26 GMT -05:00 - More infoProduct prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on [relevant Amazon Site(s), as applicable] at the time of purchase will apply to the purchase of this product.)原创文章,作者:美卡攻略,如若转载,请注明出处:https://usccstrategy.com/no-redemption-minimum-on-cash-back-earned/