First on the list also happens to be our best overall pick.

名單上的第一名也恰好是我們最好的整體選擇。

And that's the Chase Sapphire preferred card.

而這就是大通藍寶石優先卡。

The sapphire preferred is a great card.

藍寶石優先卡是一張偉大的卡。

If you love to travel, it earns valuable Chase ultimate rewards points for every dollar you spend on it and those points can be redeemed for travel and other eligible categories At 1.25 cents per point or transferred to the program's airline and hotel partners for potentially even more valuable redemptions.

如果你喜歡旅行，你每花一美元就能獲得寶貴的大通終極獎勵積分，這些積分可以以每分1.25美分的價格兌換旅行和其他符合條件的類別，或者轉移到該計劃的航空公司和酒店合作伙伴，以獲得可能更有價值的兌換。

Now, some of our favorite features of the sapphire preferred include bonus points for every dollar you spend on travel dining, select streaming services and select online grocery purchases.

現在，我們最喜歡的藍寶石首選的一些功能包括：你在旅行餐飲、選擇流媒體服務和選擇在線雜貨購買時每花一美元都有獎勵積分。

You also won't get dinged for any foreign transaction fees when you use the card overseas.

當你在海外使用該卡時，你也不會被收取任何國外交易費用。

Now the chase sapphire preferred does have a $95 annual fee, but the perks more than make up for it.

現在，追逐藍寶石優先計劃確實有95美元的年費，但其福利足以彌補它。

And if you don't already have the card, you can even potentially earn tons of thousands of bonus points when you first get it.

如果你還沒有這張卡，你甚至有可能在第一次拿到這張卡的時候就獲得成千上萬的獎勵積分。

Check out the latest sign up offer for the chase sapphire preferred in the description below.

在下面的描述中查看最新的追趕藍寶石優先註冊優惠。

Second is the platinum card from American Express, which we love for luxury travel.

其次是美國運通的白金卡，我們喜歡用它來進行豪華旅行。

Now look this is not a cheap card but famous Amex Platinum is a heavyweight when it comes to top notch travel perks, it has numerous annual credits and provides complimentary access to hundreds of airport lounges worldwide, including Amex's own centurion lounges, priority pass lounges and Delta Sky clubs.

現在看來，這不是一張便宜的卡，但著名的運通白金卡是一個重量級的卡，當它涉及到一流的旅行福利時，它有許多年度積分，並提供免費使用全球數百個機場貴賓室，包括運通自己的百夫長貴賓室、優先通行證貴賓室和三角洲天空俱樂部。

When you're flying Delta, You'll also get elite status with two major hotel chains and multiple car rental companies along with even more luxury travel benefits.

當你乘坐達美航空時，你還可以獲得兩個主要連鎖酒店和多家汽車租賃公司的精英身份，以及更多的豪華旅遊福利。

So what is the Amex platinum costs?

那麼，運通白金的費用是多少呢？

Well right now the annual fee is $695 which may seem hard to swallow, but the card comes with enough annual credits that you can utilize to offset most, if not all, of the cost of that annual fee.

現在的年費是695美元，可能看起來難以接受，但該卡有足夠的年費積分，你可以利用這些積分來抵消大部分（如果不是全部）的年費成本。

And the cherry on top is the welcome bonus offer you can earn when you become a new Amex Platinum card member, which you should be able to redeem for a pair of domestic airline tickets for you and a companion at the very least and possibly even a trip to europe and coach for yourself.

而最重要的是，當你成為運通白金卡的新會員時，你可以獲得歡迎獎金優惠，你應該能夠為你和同伴至少兌換一對國內機票，甚至可能為自己兌換一次歐洲旅行和長途汽車。

Now check out our story with the latest Amex Welcome offer in the description below.

現在請看我們的故事，在下面的描述中，有最新的Amex歡迎優惠。

Finally, number three, the Southwest rapid rewards priority credit card which is our pick for the best airline travel card.

最後，第三名，西南快速獎勵優先信用卡，這是我們挑選的最佳航空旅行卡。

This one is great if you plan on being a frequent flyer on Southwest Airlines this year.

如果你打算在今年成為西南航空的常客，這個就很好。

Some of our favorite features include a $75 Southwest travel credit each year, four upgraded boardings per year when available and bonus points on all your Southwest purchases that you put on the card as well as transit commuting and select telecommunications purchases.

我們最喜歡的一些功能包括每年75美元的西南旅遊信貸，每年有四次升級的登機機會，以及你放在卡上的所有西南購物的獎勵積分，以及交通通勤和選定的電信購物。

Now the Southwest priority card does come with a $149 annual fee.

現在西南優先卡確實有149美元的年費。

But remember if you can use the cards annual $75 Southwest Travel Grant.

但請記住，如果你能使用該卡每年75美元的西南旅遊津貼。

You're effectively cutting the cost of the card in half.

你實際上是把卡片的成本減少了一半。

And then starting on your first anniversary as a Southwest priority cardholder.

然後從你成為西南地區優先持卡人的第一個週年紀念日開始。

And each year thereafter you'll receive 7500 bonus points which are valuable enough to effectively offset the remainder of that annual fee.

此後每年你都會收到7500個獎勵積分，其價值足以有效地抵消剩餘的年費。

Look, if you're already a fan of Southwest, you'll really enjoy the perks that come with the Southwest priority card.

聽著，如果你已經是西南航空的粉絲，你會非常享受西南航空優先卡所帶來的優惠待遇。

If you don't have the card already, you can earn a sign up bonus when you first get it and meet certain spending requirements.

如果你還沒有這張卡，當你第一次拿到這張卡並達到一定的消費要求時，你可以獲得簽約獎金。

You'll find the current offer for the Southwest priority card in the description below.

你可以在下面的描述中找到西南優先卡的當前優惠。

Want to better understand our methodology.

想更好地瞭解我們的方法。

Click here to watch how we rank credit cards and for more news, reviews and insights into all your financial and travel needs.

點擊這裡，觀看我們如何對信用卡進行排名，並瞭解更多新聞、評論和對你所有金融和旅行需求的洞察力。

Keep it locked here to CNN underscored.

鎖定這裡，向CNN強調。