北美留学生信用卡推荐，欢迎大家用refer链接！
1. Discover入门级信用卡，无年费，积累FICO信用以便申请后续福利更多的信用卡，每个quarter有5%的指定消费返现，其余返1%，第一年rewards最后会翻倍，推荐大家把返现兑换成需要用的gift card因为礼品卡有折扣，Become a Discover Cardmember and get a $100 Statement Credit with your 1st purchase within 3 months. https://refer.discover.com/s/yxy659?advocate.partner_share_id=7207680620
2. Chase freedom信用卡，无年费，福利包括电商实体店刷卡折扣，5%旅游以及Lyft的返现，3%餐厅药店的返现，其余1.5%，免费三个月doordash membership，之后9个月半价；免费3个月instacart会员，租车collison damage waiver等等。Earn $200 cash back with the Chase Freedom Unlimited® or Chase Freedom Flex℠ credit card. learn more: https://www.referyourchasecard.com/18a/3NDFJHO5N3
3. Chase Sapphire信用卡，年费$98，第一年免年费，除去比freedom更多的返现，提供免费6个月instacart会员可以随便买线上grocery了包括Costco送货上门，以及一年的doordash membership。很多旅游险，no foreign transaction fee。Now you can earn 60,000 bonus points with the Chase Sapphire Preferred® credit card ($600). learn more: https://www.referyourchasecard.com/6f/5TSU11HJF9
4. American Express买菜卡，无年费，与各大电商经常合作，网上购物前可以看看AE是不是有折扣，买菜返现也比较不错
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