最近辦了一堆卡片，沒有一張卡片是萬能，很麻煩，只能慢慢研究
一般國外刷卡：國泰世華
3%小樹點回饋，海外1.5%刷卡手續費，360點可換亞萬1000哩，花10000元，得300點，150點抵消手續費，另外150點可換價值417哩程，1000點約為27歐，消費1歐大約獲取1.5亞萬哩程回饋
Amex卡：一歐1.5 Amex point，可換FB 1.2哩程，以賺開卡禮為主
美卡若開成功，消費一歐=1.2哩 (1USD=1MR)，也是以賺開卡禮為主
05/25 Amex DE Payback
06/25 Amex DE Platinum
07/25 Amex DE Green
12/25 CUBE
01/26 1. Amex US Hilton Honors
to do list:
03/26 Eurowing Kreditkarte
Amex blue for point protection
2. Amex green
16/03/26 ITIN (passport certificate)
04/26 Cancel Amex DE Platinum kündigen 06.06.
transfer MR point to Amex US
3. Capital One Venture X / Venture reward
cancel Amex DE green 27.06.
06/26
JCB卡綁Lounge key (e.g. BKK/SIN)
10/26 AMEX us transfer bonus to flyingblue or virgin Atlantic
2027
4. Chase Sapphire Reserved
5. Chase Sapphire Preferred
6. Amex Gold / Amex Hilton Honors Aspire
7. Amex platinum / Amex Hilton Honors Surpass
8. Citi AA
9. Citi premier Strata
10. Chase Marriott Bonvoy Boundless -> Ritz Carlton
因為Amex換國泰貶值，使得Amex 換Garuda Indonesia有吸引力，最好的是用Virgin Atlantic 換7000+$20=75 Euro，
Flyingblue sweetspot: FRA-TPE/TPE-FRA Business ticket with infant discount average 50000 miles + tax
justification:
Amex green for restaurant, transit, hotel, travel (3x)
CSR for visa payments, restaurant, Hotel, groceries, priority pass (include 300 travel credit)
Best cards for long term:
Capital One Venture X, Lounge, everything 2X, 10x on hotel, 5 x on flight, 300 travel credit
Chase Sapphire Reserved, 4x on flight direct, 4x on hotel direct, 3x dining, 300 travel credit + 500 Edit hotel (Free priority pass)
Capital One Savor Cash Rewards: 3% on worldwide supermarket and retail stores, dining and entertainment
Hilton Honors American Express Aspire ($200 on flight tickets, $400 in Hilton resort)
if travel to US once a year:
Hilton 1 free night, $400 credit
Airline credit e.g. united $200
Amex FHR $ 600
Chase Edit $ 500
Lyft, Lululemon 75-300, uber 15, lyft 10, doordash 20-40, Resy 100-200, Saks 50 TSA 150, chase dining credit 150
隨著研究點數旅行，自己也有越來越多的夢想
希望能靠點數旅行免費賺到許多旅行體驗：
St. Regis Bora Bora (MB)
Hilton Bali Resort
Conrad Bali Resort
Umana Bali
