https://blog.huoke.me/tags/%E7%99%BD%E9%87%91%E5%8D%A1/Recent content in 白金卡 on Huoke.Me - 跨境生活，从理财开始！HugocnTue, 14 Apr 2026 00:00:00 +0800https://blog.huoke.me/posts/amex-plat-2026/Tue, 14 Apr 2026 00:00:00 +0800https://blog.huoke.me/posts/amex-plat-2026/<blockquote> <p>🎯 <strong>一句话总结：</strong> 年费 $695 → $895，但报销加了 $2,000+。用得好的话还是负年费。</p></blockquote> <hr> <h2 id="-基本信息">💳 基本信息</h2> <table> <thead> <tr> <th>项目</th> <th>内容</th> </tr> </thead> <tbody> <tr> <td>年费</td> <td>$895/年（首年不免）</td> </tr> <tr> <td>开卡奖励</td> <td>最高 175K MR</td> </tr> <tr> <td>消费要求</td> <td>6 个月 $12,000</td> </tr> <tr> <td>卡面</td> <td>金属卡，Amex 最重</td> </tr> <tr> <td>境外手续费</td> <td>无</td> </tr> </tbody> </table> <p>老用户续费日在 2026/1/2 之前可按 $695 再续一次。</p> <hr> <h2 id="-2026-新增报销">🆕 2026 新增报销</h2> <table> <thead> <tr> <th>报销项</th> <th>金额</th> <th>周期</th> <th>说明</th> </tr> </thead> <tbody> <tr> <td>Lululemon</td> <td>$75</td> <td>季度</td> <td>仅限美国</td> </tr> <tr> <td>Resy</td> <td>$100</td> <td>季度</td> <td>合作餐厅</td> </tr> <tr> <td>Oura Ring</td> <td>$200</td> <td>年度</td> <td>正好覆盖第四代</td> </tr> <tr> <td>Uber One</td> <td>$120</td> <td>年度</td> <td>—</td> </tr> <tr> <td>Clear Plus</td> <td>$209</td> <td>年度</td> <td>快速通关</td> </tr> <tr> <td>流媒体</td> <td>$25</td> <td>月度</td> <td>含 YouTube Premium</td> </tr> <tr> <td>FHR</td> <td>$300</td> <td>半年</td> <td>高端酒店预订</td> </tr> </tbody> </table> <hr> <h2 id="-保留的原有权益">✅ 保留的原有权益</h2> <table> <thead> <tr> <th>权益</th> <th>金额/频率</th> </tr> </thead> <tbody> <tr> <td>航空杂费报销</td> <td>$200/年</td> </tr> <tr> <td>Saks 报销</td> <td>$50/半年（⚠️ 7月取消）</td> </tr> <tr> <td>Walmart+</td> <td>月度报销</td> </tr> <tr> <td>Uber Cash</td> <td>$200/年（月 $15，12月 $35）</td> </tr> <tr> <td>Hilton Gold</td> <td>免费双早</td> </tr> <tr> <td>Marriott Gold</td> <td>—</td> </tr> <tr> <td>Priority Pass</td> <td>每次带 2 人</td> </tr> <tr> <td>百夫长休息室</td> <td>—</td> </tr> <tr> <td>FHR 酒店特权</td> <td>升级房型、免费早餐等</td> </tr> </tbody> </table> <hr> <h2 id="-一年能薅多少">🧮 一年能薅多少</h2> <table> <thead> <tr> <th>报销项</th> <th>年总额</th> </tr> </thead> <tbody> <tr> <td>航空杂费</td> <td>$200</td> </tr> <tr> <td>Lululemon</td> <td>$300</td> </tr> <tr> <td>Resy</td> <td>$400</td> </tr> <tr> <td>Uber Cash</td> <td>$200</td> </tr> <tr> <td>流媒体</td> <td>$300</td> </tr> <tr> <td>Walmart+</td> <td>$155</td> </tr> <tr> <td>Clear Plus</td> <td>$209</td> </tr> <tr> <td>Uber One</td> <td>$120</td> </tr> <tr> <td>FHR</td> <td>$600</td> </tr> <tr> <td>Oura Ring</td> <td>$200</td> </tr> <tr> <td><strong>合计</strong></td> <td><strong>$2,684</strong></td> </tr> </tbody> </table> <p>减去年费 $895 → <strong>净赚 $1,789</strong></p>