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  • This is Brian Kelly.

    這是 Brian Kelly。

  • You'll often find him traveling.

    你常常會發現他在旅遊。

  • I've been to Ghana now ten times.

    我去迦納去了十次。

  • I got to visit Liberia.

    我得以去賴比瑞亞旅遊。

  • Took my parents to South Africa.

    帶父母去南非。

  • I love flying Emirates first classit's gaudy, it's gold.

    我超愛搭乘阿聯酋航空的頭等艙—又華麗,又金碧輝煌。

  • You get caviar, and I have never paid for it.

    你可以享用魚子醬,而且我一毛錢都沒付過。

  • So Brian traveled to all these places basically for free. And he did it using credit card rewards.

    所以,Brian 基本上都是免費去這些地方旅遊的,而他是利用信用卡的回饋福利。

  • Banks promise offers like cashback, bonus miles, and cash bonuses to get you to sign up and spend.

    銀行承諾提供現金回饋、里程數紅利,以及現金紅利,吸引你辦卡與消費。

  • And it's rewards like these that people like Brian have become masters at maximizing.

    正是因為這類的回饋,像 Brian 的人就得以變成「物盡其用」的專家。

  • Ultimately though, someone is paying for these credit card rewards.

    然後最終,一定有人在支付這些信用卡回饋福利。

  • And there's a hidden battle going on over their future.

    面對未來,背後有一場 (各家銀行的) 隱性的戰爭。

  • During the Great Recession, some of the biggest US banksWells Fargo, JP Morgan and Bank of Americahad a problem.

    在經濟大衰退期間,一些美國規模最大的銀行—富國銀行、摩根大通銀行與美國銀行都面臨難題。

  • They weren't making as much money from mortgages.

    它們從借貸款上賺取的利潤不如往常。

  • So they shifted their business to credit cards.

    所以它們將重心轉移到信用卡身上。

  • And in order to get customers to sign up and spend on their cards they offered bigger and better rewards.

    為了吸引顧客辦卡,並用自家信用卡消費,它們提供更大、更好的回饋。

  • "In 2011 we saw our first ever 100,000 point offer, Chase offered on a British Airways Visa.

    2011 年時,我們第一次累積到一萬點的回饋,大通銀行提供英國航空的簽證。

  • 100,000 points for a credit card.

    一張信用卡累積到一萬點。

  • Wild!

    超狂!

  • And really I think what JP Morgan/Chase was doing was thinking we gotta focus more on consumer lending and not just on that corporate lending or even mortgages.

    而且我真的認為,摩根大通旗下的大通銀行就是欲把重心放更多在消費者借貸,而不只侷限企業借貸或抵押借款。

  • As banks expanded rewards, more people starting using rewards cards.

    當銀行增加更多獎勵時,越來越多人開始使用回饋卡。

  • By 2018, 92% of all credit card purchases were made on rewards credit cards.

    截至 2018 年,92% 的信用卡消費都是使用回饋信用卡的消費。

  • That's up from just 67% in 2008.

    2008 年才 67% 而已。

  • But it's not the banks that ultimately pay for these rewards.

    然而,銀行並非最終支付這些回饋的人。

  • So when a customer uses a credit card to buy something, the store is charged what's called an interchange fee.

    所以當客戶使用信用卡購物時,店家需要支付「交換費」。

  • That fee is a percentage of the total sale.

    該費用是按總銷售額的比例收取。

  • It's the bank that issued the card that collects the interchange fee.

    是核發信用卡的銀行在收取信用卡的交換費的。

  • And it's this money that they heavily rely on to pay for cardholder rewards.

    它們極度依賴這份收入,因為這筆費用正是支付持卡人回饋的來源。

  • They're making money on your annual fee and on interest.

    它們藉由年費與利息來賺錢。

  • But the big way with these premium credit cards is the interchange fee.

    但以頂級信用卡來說,交換費才是大部分的收入來源。

  • That's the bread and butter.

    這是謀財之道啊。

  • Interchange fees aren't the same across all credit cards.

    所有信用卡的交換費不盡相同。

  • Cards with no low rewards typically have an interchange of about 1.5% of the purchase price.

    低回饋的卡通常收取的交換費是消費總額的 1.5%。

  • While cards with bigger rewards can have an interchange fee of nearly 3%.

    而回饋更多的卡可以收取高達 3% 的交換費。

  • And the divide between these two types of cards has increased.

    這兩種卡的界線已越發明顯。

  • Banks can make about $0.25 more per average purchase if the customer uses a premium rewards card over a basic one.

    若是客戶使用頂級信用卡而不是一般卡的話,平均每消費一筆,銀行就可多賺 0.25 美元。

  • In 2017, retailers paid card issuers $43.4 billion dollars in interchange fees.

    2017 之際,零售業者支付核卡人的交換費達到 434 億。

  • So it's no surprise that stores aren't a huge fan of these credit card rewards.

    所以不意外的是,店家都不太喜歡信用卡回饋。

  • They don't really want to pay for your free trip to South Africa.

    它們根本不想幫你的南非之旅出錢。

  • Most stores don't have negotiating power over these interchange fees.

    大部分的店家沒有協商交換費的餘地。

  • Payment networks like Visa and Mastercard require them to "honor all cards" which means they have to accept both low fee and high fee credit cards.

    像是 Visa、Mastercard (萬事達卡) 等的支付網路,就要求店家要「萬卡尊榮」,意即不管是低費用還是高費用的卡,店家都必須接受。

  • And as a result some stores reported that they've increased retail prices in order to make up for the cost of accepting credit cards.

    結果,某些店家指出它們為了補足刷信用卡的費用,而提高了零售價格。

  • Which means even if you don't have a rewards credit card, you may still be paying for those rewards.

    這意味著,即使你沒有回饋信用卡,你可能仍要為這些回饋出一分錢。

  • So if you're using cash, you're basically paying for my points.

    所以如果你付現,你其實是在付我的紅利點數。

  • So it can be argued that people who can't obtain credit, those with lower incomes are basically funding the system for others.

    因此,可以說那些得不到信用額度、收入較低的人基本上為別人提供了資金。

  • Others will say, well the merchants get paid more, they get paid on time, there's less theft when people use credit cards.

    其他人會說,商人可以賺得更多、準時收到款項,而且使用信用卡會使偷竊率下降。

  • It's an interesting ecosystem.

    這是很有趣的生態系統。

  • I won't get into the ethics but I will maximize my part of it.

    我不會牽涉到道德問題,但我會物盡其用我的部分。

  • Some major retailers have indicated that they'll challenge the "honor all cards" rule so that they can reject cards with higher fees.

    有些較大型的零售商表明它們會挑戰「萬卡尊榮」這項規定,如此一來便能拒收收費較高的卡。

  • And if stores succeed at driving down interchange fees, banks are likely to respond by chopping rewards.

    如果店家成功壓低交換費,銀行很有可能以降低回饋來因應。

  • This isn't a hypothetical outcome.

    這並非假設性的結果。

  • When credit card interchange fees were capped at .3% in Europe, banks responded by cutting rewards.

    如果信用卡的交換費在歐洲以 3% 為上限,銀行就會降低回饋。

  • For now, with so many credit card rewards out there, it's hard to know which deals are better than others.

    現今有這麼多的信用卡回饋,很難知道到底哪家比較優惠。

  • But with the cost of these rewards built into the things that we buy everyday, just using a rewards card at all can be beneficial.

    但是根據購買日用品的這些回饋成本,只要使用回饋卡就會受益了。

  • If you're using a debit card or god forbid, cash, for purchases, you're literally leaving points and money on the table.

    如果你使用簽帳金融卡,或天理難容的現金,你真的就是把眼前的點數與錢拒之在外。

  • It's like throwing money away every time you use cash.

    就像每次現金付款時,你都把錢丟掉。

  • So get debt free, get disciplined with your finances, put your expenses on each month, pay them off, earn the points, and avoid interest.

    所以不要負債、有紀律地管理好自己的財務狀況、每月記帳、當月結清、賺取點數,以及避免付利息。

  • That's how you win at the points game.

    這就是贏得點數遊戲的秘訣。

  • So Brian Kelly, the card rewards expert in this video had a lot of great tips about how to get the most out of your credit card rewards.

    所以囉,片中這位信用卡回饋達人 Brian Kelly,有很多如何取得最多信用卡回饋的秘訣。

  • We didn't have time to include them all in this video, but I wanted to share them with you in a video extra.

    我們沒有時間把全部秘訣放在這支影片,但是我想在另一支影片裡和你們分享。

  • You can check out those extra tips at the Vox Video Lab.

    你可以上 Vox Video Lab 網站看看其他的秘訣。

  • If you haven't already heard, we've launched a paid membership program right here on YouTube, called the Video Lab.

    以防你還沒聽過這件事,我們在 YouTube 上推出一個付費的會員節目,也就是 Video Lab。

  • For a monthly fee, subscribers get access to tons of special features, including these tips on credit card rewards.

    一個月的費用讓訂閱者得以取得許多特別的報導,包含信用卡回饋的秘訣。

  • So if you're not already a member, and you're interested, head on over to vox.com/join to sign up.

    所以如果你還沒成為會員,但是很感興趣的話,前往 vox.com/join 加入會員吧!

This is Brian Kelly.

這是 Brian Kelly。

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