15% 加成:如果你把 Upromise Program 账户和 529 College Savings Plan 关联起来,你获得的返现将多得15%的加成。算上加成的话,返现比例就是 1.4375% 了。
Upromise Round Up: Upromise Round Up lets you round up your purchases to the nearest dollar, based on the threshold you set (from $1 to $500). The total Round Up Amount is considered a purchase and also earns 1.25% cash back. 规则太复杂了,就先不翻译了。先不管那个 threshold,我举例讲解一下这到底是个啥吧。例如:一笔$0.01的消费,round up amount 就是 $0.99,你总共被 charge $1.00。这 $0.99 本身会变成返现,然后 $1.00 的消费金额赚取的返现数额是 $1.00*1.25%*(1+15%)= $0.014375,因此得到的返现总额是 $1.004375。这个规则超级复杂,然而多赚的返现就是零点几分的数目,算下来完全没卵用就是了。
No Foreign Transaction Fee (FTF)。
无年费。
缺点
没有开卡奖励。
建议申请时间
巴克莱非常看重近期 Hard Pull,推荐6个月内 Hard Pull 数量小于6个的时候申请,尽管这不是严格的rule。
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