一張圖告訴你 Merrill+, FlexPerks, UBS 點數價值有多少!

Merrill+, FlexPerks, UBS 的點數若用來購買機票,都是那種分段計算的兌換方式。按照官方的表述的話,可能無法很直觀的看出點數價值和機票的對應關係。今天我就來畫幾張圖,讓點數價值一目了然!

Merrill+ 點數價值

能夠賺 Merrill+ 點數的卡目前主要是 Merrill+ Visa Signature 這一張信用卡。關於點數兌換機票,官方說明只有這句:

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).

至於超過$500的機票怎麼兌換,福利說明上並沒有明確寫出。但是實際操作中大家發現,超出部分是以每美分1點的方式補點數的。根據這一計算公式,可以做出下面的圖:

Merrill+ 點數價值圖

顯而易見,在機票票價$500時兌換價值最高(2 c/p),兌換票價在$500附近的機票最划算,越接近越好。

FlexPerks 點數價值【2018.1 更新:FlexPerks 兌換旅遊的價值變成固定 1.5 c/p了】

FlexPerks 是 US Bank 的一套點數體系。能夠賺 FlexPerks 點數的卡有以下幾張:

FlexPerks 點數兌換機票時的比例見下表:

rewards_content2

根據這張表格很容易作圖:

FlexPerks 點數價值圖

顯而易見,在幾個分界點處兌換價值最高(2 c/p),兌換票價剛好小於幾個分界點的機票最划算,剛好大於分界點的則普遍不划算。超貴的機票則無所謂是否靠近了,兌換價值都相差不大。(不過為啥要買這麼貴的機票呢,這麼貴的用里程換啊!)我是畫出這張圖之後才意識到,其實 FlexPerks 想要兌換出高價值其實還是蠻容易的。

UBS 點數價值

能夠賺 UBS 點數的卡目前主要是 UBS Visa Infinite 這一張信用卡。此點數兌換機票的規則相當佶屈聱牙:

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.

這麼複雜的規則,憑心算已經很難直觀感受兌換價值了… 於是我們根據這規則做出了如下的圖:

UBS Visa Infinite 點數價值圖

是不是點數價值一目了然了!顯然,在機票票價$900時兌換價值最高(1.8 c/p),兌換票價在$900附近的機票都還可以。鋸齒形狀出現的原因在於付出的點數必須是5k的整數倍,但是放到大趨勢里看的時候,就可以發現這一小波動並不影響大局。


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