1、 在美国用DISCOVER信用卡消费，入门级的神卡，能申请到，好处多多。具体申请见

https://www.discover.com/

http://bbs.pinggu.org/thread-3225134-1-1.html

好处：

1)$50 Cashback Bonus

You get $50 Cashback Bonus for each friend that becomes a cardmember, up to 10 new cardmembers a year.

Your friends get $50 Cashback Bonus after their first purchase within 3 months.*

群内有不少老师有DISCOVER信用卡，胡晓伦、孙蓉、傅淑琴、赵普琴等，都可以推荐。

2)5% Cashback Bonus

Here are just some of the places where you can earn 5% Cashback Bonus this quarter

OCT-DEC 2015 Amazon.com, Department Stores, and Clothing Stores

3 Shop with Apple Pay

购买APPLE产品优惠。

2、在walmart service center,用国内银联卡购买MONEYORDER，上面写的名称MONEYGRAM，1000刀，费用0.7刀

3、在MONEYORDER填写信息，在银行柜台入账，free。如同Check入账的方式。

4、查询国内银联卡，实时扣钱了，按当日卖出价汇率结算，无其它费用。

评价：国内带美元较少也没有关系，不用外汇汇率，这是我的教训，费用花了许多。