你用过最好用的信用卡是什么？2022信用卡推荐，全网超值得办的信用卡！
我扒过N家银行，几十张信用卡权益，还亲身用了小10张信用卡！给我体验感最好的是：交通银行！
权益实用、优惠多、提额下卡快、还不用付年费！！
从交通银行的官网找来的申请通道，直接戳下方的链接网上就能申请~不用专门跑到下线点~
由于不同人有不同的需求，办卡资质也不同。如果是商务高端人士建议直接奔着白金卡去；如果是优质“打工人”，想用有限的money花出无限的感受，我有很多宝藏卡推荐给你，建议大家先收藏在阅读~
1. 腾讯超V卡
推荐指数：⭐️⭐️⭐️⭐️⭐️
下卡难度：⭐️
年费：可免首年年费（消费6次免次年年费）
每当有人问，交行新户今年推荐哪张卡？我必定会推荐这张腾讯超 V 卡。丰厚的权益非常实惠，原来联名卡还可以这么玩！而且这张卡拥有两种卡面，灰色适合男生，粉色适合女生，更适合情侣！
首先是腾讯权益月月领（新用户最多一年），一年至少省200+。
信用卡还款现金券 20 元、手机充值现金券 20 元、微信读书 30 天无限卡、QQ 音乐 VIP 会员月卡、腾讯视频 VIP 会员月卡或者微信支付现金券 10 元。
在六项权益之中任选一项，我比较推荐信用卡还款券和手机充值券，这两个是最实在的。
这里，我再给大家讲一下权益的具体领取方式：
首月：开通&刷卡任意金额，然后在「腾讯联名信用卡」公众号里，卡片管理 - 我的 - 卡片进度 - 添加腾讯联名信用卡 - 绑定交通银行腾讯超 V 信用卡，绑定后在卡片管理 - 卡片权益馆内领取
非首月：每月 25 日前，通过微信支付使用超 V 卡消费单笔 ≥199 元，次月到「腾讯联名信用卡」领取。
最后，如果你看着权益很眼馋，但是有交行卡啦，怎么办？我给你提供一个思路：整户注销你的交行卡，满六个月以上再来申请。
除此之外，还可以参加交行的最红星期五，这点我会放在后面说。
总结：非常适合“打工人"，一年腾讯VIP权益就剩下了大几百元。除了会员权益外，还可享受交行最红星期五特别活动，羊毛薅到飞起。这张卡真的是颜值与实力共存，可以称之为“卡界的特斯拉“。
2. 交通银行标准银联金卡
推荐指数：⭐️⭐️⭐️⭐️⭐️
下卡难度：⭐️
首年免年费，刷满6笔免次年。
这张卡的额度还是挺大的，最高能有5万元。
综合评分包含了我们的个人征信情况、工作、工作年限、所从事行业的类别、工作岗位、薪资水平、婚否、是否当地有社保等等一系列的评分项目，得分越多，通过率越高，额度也就越高。分数不够了就相当于考试不及格，只能下一次。
它有一些专享优惠，比如境外可以使用此卡，最后也可以用人民币来进行还款，很大程度上避免了外汇不足带来的不方便，出过旅游购物更方便快捷。
国外消费也能记入积分，1美元累计是7分。而且无需在卡内预存现金，先刷卡后还款，最长免息期有56天呢，还款理财更加轻松。
这张卡同样也是可以参加“最红星期五”的活动，能够享受全国众多城市的消费优惠~
总结：适合上班族选择，能提供完善的信用卡金融服务，拥有多项优惠计划。而且九月开始，只要注册这张卡就会获得实物礼品哦，什么水壶、电饭煲应有尽有！
3. 洛天依主题信用卡
推荐指数：⭐️⭐️⭐️⭐️
下卡难度：⭐️
年费：首年免，消费6笔免次年。
目前有四个卡板：洛天依主题信用卡（横版、竖版）、洛天依洛舞樱花主题信用卡、洛天依生日纪念版主题信用卡。哪个卡面都可以，自己喜好而定，对权益没啥影响。
除了大家心动的卡面，还有洛天依粉丝专属权益哦~
-新用户任意消费一笔就能获得100元刷卡金。此外，当月消费总额超3888元（含），次月可领35元刷卡金，月月达标月月可享！香~
-
除此之外每周还能领取好礼，活动如下：
活动一：当月消费总额超1288元（含），可在达标次月领奖8次。所获得的奖励包括:积分、刷卡金、买单吧红包、分期手续费满减券。
活动二：当月在银联消费总额超1288元（含），可在达标次月领奖20次。奖品包含积分、刷卡金、买单吧红包、分期手续费满减券、京东礼品卡、话费充值卡等礼品。
两个活动，建议参加第二项。每个月银联渠道消费满1288元，次月可抽奖20次。正好换季，用这张卡买件大衣，返还的礼品和福利就等于衣服打折喽~~
总结：洛天依粉丝，参与活动即可享受反礼权益。
上面说的3种卡片，在下方的官方申请链接里面都能办理，只要填完整自己信息资料就能在线申请了，审批过后就可邮寄到家~
以上是交行主流卡，接下来我要给大家按头安利交行最红星期五特别活动。经常出去吃饭的胖友们看过来！
加油秒减5%，超市秒减5%，餐饮5折.....就问问看着香不香？
红五活动不仅仅是吃饭打折，基本涵盖了吃穿住行，让你用一张卡玩转周五~~以上三张卡均可享受此权益，真是太贴心啦~
交行的卡没有雷区，主要的特点就是日常活动多、贴近生活，下卡容易，对白户很友好。而且他们家的买单吧APP也很好用，界面清晰，优惠权益花样多、还款细则什么的写的也清楚，用着很舒心。
信用卡，选交通银行准没错！
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