收集贴：各种信用卡附带有用的服务（欢迎补充，我来整理） - 未名空间MITBBS历史存档

国际科技财经博客移民网络热点娱乐民生时事公众号

Redian新闻

>未名空间

>Money - 海外理财

收集贴：各种信用卡附带有用的服务（欢迎补充，我来整理）

收集贴：各种信用卡附带有用的服务（欢迎补充，我来整理）# Money - 海外理财

C*n2014-03-31 07:03

1 楼

小弟我用了快10年的信用卡了，遗憾最近才上mitbbs的理财（省点小钱）版，才了解到
一些信用卡的Rewards Program。这个月连申请了3张信用卡都立马拿到了（Amex blue
cash preferred, FIA Amex 2%, SallieMae MC），现在才知道Amex卡附带的服务非常
不错。我来总结一下各类信用卡附带的服务，因为小弟知识太少，仅是抛砖引玉，欢迎
大家补充。
1. Car Rental Protection（包collision部分，不包Liability）：
Amex的是Primary Coverage，完胜Visa卡的secondary coverage。不过每次每辆车要付
18（加州）或25块，于是便有连续42天的coverage。
2. Return Protection:
Visa Signature有60天，Amex有90天的包退服务。
3. Price Protection（Price Match）：
MasterCard有60天的时间，SallieMae的world MC居然有120天时间。
4.Extended Warranty：
Visa, Amex, MasterCard, Discover都有此功能，貌似Amex的最好。
以上有些我也没用过，先把它们列到这儿，到时候总会派上用场。至于怎么用，有些什
么限制，请用过的人来补充补充吧。

a*e2014-03-31 07:03

2 楼

赞总结。
凡是怕担风险的，就一律用amex，比如租车、买贵重物品等。AMEX赔付起来最方便，服
务非常好。

t*92014-03-31 07:03

3 楼

10年了是老大哥了啊。。

x*h2014-03-31 07:03

4 楼

Car Rental Loss And Damage Insurance
Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance
Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy
AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU, MP,
FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance
Limited, Hagatna, Guam under Policy CRCB000000101. Coverage is determined by
the terms, conditions, and exclusions of the Policies applicable to your
Card and is subject to change with notice. This document does not supplement
or replace the Policies. Coverage applies for the first 30 days of an auto
rental and when rented from a Car Rental Company. This policy does not cover
some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles,
cars with an original manufacturer's suggested new retail price of USD $75,
000 or more, and exotic cars, as described in the Terms and Conditions. To
be eligible for claim payment, your account must be in good standing.
- This product provides secondary coverage. -
This means it pays eligible benefits not paid by any primary insurance that
you have. This product provides collision damage to the rented vehicle but
does not cover such things as damages to other vehicles or property, or
injury to other persons. For full Terms and Conditions, see americanexpress.
com/CRLDIterms.
好像也是secondary吧，难道我理解有错？

blue

【在 C*****n 的大作中提到】

: 小弟我用了快10年的信用卡了，遗憾最近才上mitbbs的理财（省点小钱）版，才了解到
: 一些信用卡的Rewards Program。这个月连申请了3张信用卡都立马拿到了（Amex blue
: cash preferred, FIA Amex 2%, SallieMae MC），现在才知道Amex卡附带的服务非常
: 不错。我来总结一下各类信用卡附带的服务，因为小弟知识太少，仅是抛砖引玉，欢迎
: 大家补充。
: 1. Car Rental Protection（包collision部分，不包Liability）：
: Amex的是Primary Coverage，完胜Visa卡的secondary coverage。不过每次每辆车要付
: 18（加州）或25块，于是便有连续42天的coverage。
: 2. Return Protection:
: Visa Signature有60天，Amex有90天的包退服务。

g*u2014-03-31 07:03

5 楼

租车免费的里united 的卡最好

C*n2014-03-31 07:03

6 楼

需要enroll Amex的PREMIUM CAR RENTAL PROTECTION plan：
KEY FEATURES
One flat rate of $24.95 per rental period, not per day ($17.95 for
California Residents)
Coverage is primary for theft and damage to a Rental Car. You won't have
to first file a claim with your personal insurance company which can help
reduce the risk of having your personal auto insurance premiums increase*.
There are no deductibles.
There is no cost to enroll and your Card will automatically be billed a
premium when a Card on your account(s) is used to pay for a car rental until
your enrollment is terminated.
PROTECTION
Coverage is worldwide, except for vehicles rented in Australia, Ireland,
Israel, Italy, Jamaica, and New Zealand**.
Coverage is for up to 42 consecutive days (up to 30 consecutive days for
Washington State Card Members).
Coverage automatically extends to your other eligible Accounts when you
enroll one of your American Express Card Accounts (e.g. excludes Corporate
Cards).
Covers most vehicles typically available from a Rental Company.
COVERAGE
Up to $100,000 of primary coverage for damage or theft of a Rental Car.
Up to $100,000 of Accidental Death or Dismemberment coverage ($250,000
for California Residents)***.
Up to $15,000 for excess medical expenses per person.
Up to $5,000 for excess personal property coverage ($15,000 for Florida
Residents).
Note: Liability is not included.

by
supplement
auto
cover

【在 x******h 的大作中提到】

: Car Rental Loss And Damage Insurance
: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance
: Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy
: AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU, MP,
: FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance
: Limited, Hagatna, Guam under Policy CRCB000000101. Coverage is determined by
: the terms, conditions, and exclusions of the Policies applicable to your
: Card and is subject to change with notice. This document does not supplement
: or replace the Policies. Coverage applies for the first 30 days of an auto
: rental and when rented from a Car Rental Company. This policy does not cover

W*n2014-03-31 07:03

7 楼

Price Protection（Price Match）
有啥服务，如果东西买贵了，会帮着把差额补上？

x*h2014-03-31 07:03

8 楼

太好了，我没有AMEX的卡所以不太清楚。谢谢指教！

have
a
until

【在 C*****n 的大作中提到】

: 需要enroll Amex的PREMIUM CAR RENTAL PROTECTION plan：
: KEY FEATURES
: One flat rate of $24.95 per rental period, not per day ($17.95 for
: California Residents)
: Coverage is primary for theft and damage to a Rental Car. You won't have
: to first file a claim with your personal insurance company which can help
: reduce the risk of having your personal auto insurance premiums increase*.
: There are no deductibles.
: There is no cost to enroll and your Card will automatically be billed a
: premium when a Card on your account(s) is used to pay for a car rental until

e*e2014-03-31 07:03

9 楼

赞总结

blue

【在 C*****n 的大作中提到】

C*n2014-03-31 07:03

10 楼

Price Match (PM)的功能正是这样。我看到版内有人用了SallieMae的PM功能的，他说
非常不错，信用卡公司很爽快给他把差价补上了的。

【在 W*******n 的大作中提到】

: Price Protection（Price Match）
: 有啥服务，如果东西买贵了，会帮着把差额补上？

z*42014-03-31 07:03

11 楼

mark
赞lz

e*e2014-03-31 07:03

12 楼

头像是楼主吗？

w*t2014-03-31 07:03

13 楼

Thanks. How to enroll? Just call Amex each time before rental and pay the
one time fee?

have
a
until

【在 C*****n 的大作中提到】

s*u2014-03-31 07:03

14 楼

能详细介绍一下吗？

【在 g***u 的大作中提到】

: 租车免费的里united 的卡最好