커피를 사러 갔다가 대기하는 동안 흥미로와 보이는 기사가 있어서 사진을 찍어놓고 나중에 보려고 했는데, 지금 읽다보니 반쪽이네요ㅋㅋㅋ 여러분도 한 번 시간나면 읽어보셔요.
B4 페이지 혹시 있으신 분 공유 해주시면 감사하겠습니다. 더 뉴욕 타임즈 4/28일자 토요일 Business Day 입니다.
https://www.nytimes.com/2018/04/27/your-money/airline-frequent-flier-credit-card.html 같습니다.
짤린 부분 이후부터요.
A few years ago, Barclays made an aggressive bid for the JetBlue credit card business and won it. The bank now reports that it has doubled the overall size of the business in two years.
So what accounts for the continued appeal of the airline credit card, and who ought to have one?
Some things that have always been true about these cards remain so: If you travel a lot on the same airline and spend a lot of money in your everyday life, earning the same reward currency when you travel and when you’re using your card can help you quickly earn more and better free trips.
But things have also changed. In addition to the miles, many of the mileage cards now come with privileges. You might get a free checked bag. Or you can board your flight in the fifth group instead of the seventh, thereby getting space for your carry-on in the overhead bin.
This is clever and ought to inspire some healthy cynicism. After all, the airlines created the problem that the cards are now solving by charging for checked baggage. Now, for an annual fee of $95 or $150 or $450, you can avoid multiple $25 or $35 nicks for checking bags. And even if you can’t be sure what a free flight will cost in miles, at least the baggage giveaway is something tangible.
“As points become more confusing and devalued, people turn to perks — and they are easy to see and easy to value,” said Brian Kelly, the founder of The Points Guy, a website that makes money from referrals by channeling consumers to the most useful cards. (Wirecutter, a New York Times company, has also made money this way in the past and plans to again in the future.) “The issuers are doubling down on perks, and it appears to be paying off.”
The card offerings are now complicated enough that it’s nearly impossible to offer generic advice about who ought to have one. For me, the sign-up bonuses for the Delta and American cards plus the baggage fee waivers on Delta were enough to persuade me. The top-tier American card also comes with airline lounge access, which I finally treated myself to (and deducted on my taxes) after too many years of hacking together standing desks at abandoned airport gates so I could work comfortably on my laptop.
One bit of math should be obvious: If you’re carrying a balance and paying 18 percent annual interest, the rewards don’t come close to making that up. According to American Express, 21 percent of its outstanding credit card loans belonged to people with a Delta credit card as of the end of 2017.
Many people don’t spend or earn enough to justify switching cards. Sure, they might extract a bit more value from a simple card that refunds 2 percent of all purchases, but then they would have to change all automated payments, which is a giant headache.
It’s also possible that plenty of people simply do not know that generic points cards from the likes of Chase and its Ultimate Rewards program might offer more in the way of returns. Many bloggers offer helpful advice about this offering.
For those who don’t want to do the math themselves, Jay Sorensen did it for you. Mr. Sorensen, who runs the IdeaWorksCompany airline revenue consultancy, ran hundreds of simulations to come up with the following data for an award seat availability study he does with the rental site CarTrawler: The average value per mile redeemed for economy class travel ranges from 0.7 cents to 1.4 cents, depending on the airline. For long-distance business class seats, it ranges from 1.5 cents to 2.4 cents. So a 2 percent cash-back card would more often be a better value.
But some consumers simply do not care about the math — or perhaps are hypnotized by years of gauzy marketing and the daydreaming it inspires. “While you may be right that the value per mile has decreased, that’s a function of a lot of things,” said Denny Nealon, who runs Barclays’ United States partnerships business. “Airline miles are an incredibly aspirational and valuable currency.”
And those aspirations cement the emotional hook of credit-card airline miles: They offer the distinct possibility that you could use everyday spending to get yourself as far as possible from your everyday life.
“What we are in the business of doing is travel,” said Bridget Blaise-Shamai, vice president for loyalty and customer insights at American Airlines. “We could have this conversation 100 years from now, and it would remain relevant.”
델타 카드로 아멕스 돈 엄청 벌었고 앞으로도 계속 엄청 벌거라라네요...발클레이도 젝블루때문에 엄청 벌었고 시티도 노력중인데 뭐...마일이랑 포인트가 많아지고 디발류가 오고 마일게임도 더 어려워지고 하니 많은 사람들이 free checked luggage랑 라운지같은 perks 때문에 카드 여는 사람들도 많다.
포인트는 우리같이 포인트만 빼먹는 사람도 많겠지만 아멕스나 여러 카드 회사들 엄청 돌벌고 있다. 난 아멕스에 별로 미안하지 않다. ㅋㅋ. 앞으로도 계속 부탁해 아멕스야.
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