一张图告诉你 Merrill+, FlexPerks, UBS 点数价值有多少!

Merrill+, FlexPerks, UBS 的点数若用来购买机票,都是那种分段计算的兑换方式。按照官方的表述的话,可能无法很直观的看出点数价值和机票的对应关系。今天我就来画几张图,让点数价值一目了然!

Merrill+ 点数价值

能够赚 Merrill+ 点数的卡目前主要是 Merrill+ Visa Signature 这一张信用卡。关于点数兑换机票,官方说明只有这句:

How You Use Your Points: Redeem points for travel, cash rewards and gift cards. Anytime, Anywhere™ Air Rewards start at 25,000 Merrill Points for flights up to $500 (inclusive of taxes and fees).

至于超过$500的机票怎么兑换,福利说明上并没有明确写出。但是实际操作中大家发现,超出部分是以每美分1点的方式补点数的。根据这一计算公式,可以做出下面的图:

Merrill+ 点数价值图

显而易见,在机票票价$500时兑换价值最高(2 c/p),兑换票价在$500附近的机票最划算,越接近越好。

FlexPerks 点数价值【2018.1 更新:FlexPerks 兑换旅游的价值变成固定 1.5 c/p了】

FlexPerks 是 US Bank 的一套点数体系。能够赚 FlexPerks 点数的卡有以下几张:

FlexPerks 点数兑换机票时的比例见下表:

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根据这张表格很容易作图:

FlexPerks 点数价值图

显而易见,在几个分界点处兑换价值最高(2 c/p),兑换票价刚好小于几个分界点的机票最划算,刚好大于分界点的则普遍不划算。超贵的机票则无所谓是否靠近了,兑换价值都相差不大。(不过为啥要买这么贵的机票呢,这么贵的用里程换啊!)我是画出这张图之后才意识到,其实 FlexPerks 想要兑换出高价值其实还是蛮容易的。

UBS 点数价值

能够赚 UBS 点数的卡目前主要是 UBS Visa Infinite 这一张信用卡。此点数兑换机票的规则相当佶屈聱牙:

Redeem 25,000/50,000 rewards points for one ticket up to $350/$900 on any commercial airline. Tickets must be booked through UBS and charged to your UBS Visa Infinite credit card. Once your purchase is complete, applicable rewards points per ticket will be deducted from your account and a credit posted to your credit card account for the ticket price. For tickets costing more than $350 or $900, you must pay the difference using additional rewards points at a rate of 5,000 points for any additional cost of up to $50 of ticket value. Additional payments may be made only in increments of 5,000 points. You must cover the full cost of ticket with rewards points.

这么复杂的规则,凭心算已经很难直观感受兑换价值了… 于是我们根据这规则做出了如下的图:

UBS Visa Infinite 点数价值图

是不是点数价值一目了然了!显然,在机票票价$900时兑换价值最高(1.8 c/p),兑换票价在$900附近的机票都还可以。锯齿形状出现的原因在于付出的点数必须是5k的整数倍,但是放到大趋势里看的时候,就可以发现这一小波动并不影响大局。


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