--- title: "信用卡回饋：真人怎麼說" canonical: https://tw-real-voices.panda198271.workers.dev/t/credit-card markdown: https://tw-real-voices.panda198271.workers.dev/t/credit-card.md retrieved: 2026-09-27 language: zh-Hant-TW content_sha256: 402350c3c04ae50bc9eefda6e2bfd99fbc5c7bf8f205b0e3aca1830bd40f3950 cite: https://tw-real-voices.panda198271.workers.dev/cite?path=%2Ft%2Fcredit-card sources: - https://news.ycombinator.com/item?id=14967161 - https://money.stackexchange.com/questions/153685/taxes-on-cash-back-credit-card-rewards - https://news.ycombinator.com/item?id=26376766 - https://money.stackexchange.com/questions/113391/why-use-credit-card-rewards-for-vendor-credit-not-cash - https://news.ycombinator.com/item?id=19886879 - https://money.stackexchange.com/questions/854/are-credit-card-rewards-taxable - https://news.ycombinator.com/item?id=30592590 - https://money.stackexchange.com/questions/31012/credit-card-with-rewards-points - https://news.ycombinator.com/item?id=20969787 - https://money.stackexchange.com/questions/55308/using-cash-back-rewards-from-business-credit-card - https://www.ptt.cc/bbs/creditcard/M.1784549954.A.59F.html - https://news.ycombinator.com/item?id=39928604 - https://lemmy.ca/post/40723999 - https://money.ca/credit-car… - https://www.ptt.cc/bbs/creditcard/M.1774949271.A.3FF.html - https://news.ycombinator.com/item?id=49432201 - https://sh.itjust.works/post/26088084 - https://www.washingtonpost.com/business/2023/02/17/bad-southern-credit-scores/ - https://www.ptt.cc/bbs/creditcard/M.1769778982.A.FB7.html - https://news.ycombinator.com/item?id=43648145 - https://lemmy.one/post/5113101 - https://www.ptt.cc/bbs/creditcard/M.1767853626.A.D2D.html --- # 信用卡回饋：真人怎麼說 ## 台灣真人心得（0） （尚無） ## ChatGPT 問世前的真人討論 - [Credit-card-rewards guru Brian Kelly says we’re in a “golden age” of travel](https://news.ycombinator.com/item?id=14967161) — Hacker News，2017-08-09，58 分，可信度高，ChatGPT 問世前 - [Taxes on cash back credit card rewards](https://money.stackexchange.com/questions/153685/taxes-on-cash-back-credit-card-rewards) — Stack Exchange · money，2022-11-17，0 分，可信度高，ChatGPT 問世前 > Me and a friend discussed a potential loop hole in cash back credit cards. I want to write up a research article to pursue this further. Lets says I have a credit card with 10% cash back rewards. I also open up an onlin… - [He Got $300k from Credit-Card Rewards. The IRS Said It Was Taxable Income](https://news.ycombinator.com/item?id=26376766) — Hacker News，2021-03-07，44 分，可信度高，ChatGPT 問世前 - [Why use credit card rewards for vendor credit not cash?](https://money.stackexchange.com/questions/113391/why-use-credit-card-rewards-for-vendor-credit-not-cash) — Stack Exchange · money，2019-09-07，3 分，可信度高，ChatGPT 問世前 > Some credit cards (e.g. Capital One, Chase) have rewards programs for using their cards, which can either be used for cash (credit to the credit card itself) or for 3rd party vendor credit (a gift card, or some other fo… - [Bernie Sanders interest-rate cap could end credit-card rewards programs](https://news.ycombinator.com/item?id=19886879) — Hacker News，2019-05-12，15 分，可信度高，ChatGPT 問世前 - [Are credit card rewards taxable?](https://money.stackexchange.com/questions/854/are-credit-card-rewards-taxable) — Stack Exchange · money，2010-01-29，29 分，可信度高，ChatGPT 問世前 > There have been several questions about reward point/loyalty programs offered by credit cards Best Travel Point Credit Cards Best Reward Benefit Credit Cards Easy Comparison of Reward Benefit Cards Should the benefit of… - [Donate airline miles and credit card rewards to Ukrainian refugees](https://news.ycombinator.com/item?id=30592590) — Hacker News，2022-03-08，6 分，可信度高，ChatGPT 問世前 - [Credit Card with rewards points](https://money.stackexchange.com/questions/31012/credit-card-with-rewards-points) — Stack Exchange · money，2014-05-29，1 分，可信度高，ChatGPT 問世前 > My bank is currently offering me a credit card with reward points. Here are the details on it Earn 20,000 bonus rewards points when you spend $2,000 in net purchases (purchases minus returns/credits) in the first 3 mont… - [Why streaming services are the new credit card rewards binge](https://news.ycombinator.com/item?id=20969787) — Hacker News，2019-09-14，3 分，可信度高，ChatGPT 問世前 - [Using cash back rewards from business credit card](https://money.stackexchange.com/questions/55308/using-cash-back-rewards-from-business-credit-card) — Stack Exchange · money，2015-10-28，3 分，可信度高，ChatGPT 問世前 > Are there any tax constraint I should be aware of when using cash back rewards from a business credit card (a C-Corporation with just 1 person, me)? Would taxes go through directly to me for using the rewards? ## 近期討論 - [問題 遠傳網路門市信用卡回饋](https://www.ptt.cc/bbs/creditcard/M.1784549954.A.59F.html) — PTT · creditcard，2026-07-20，9 分，可信度低 - [Anatomy of a credit card rewards program](https://news.ycombinator.com/item?id=39928604) — Hacker News，2024-04-04，1271 分，可信度中 - [Let's stop playing around and talk about ditching something big: Visa and Mastercard](https://lemmy.ca/post/40723999) — Lemmy · buycanadian，2025-03-15，634 分，可信度中 > Visa and Mastercard are American companies, and they essentially tax everybody by taking a percentage of purchase prices for themselves. Not exactly a small percentage either, [1.2% to 2.65%](https://money.ca/credit-car… - [心得 2026Q2 信用卡回饋指定通路](https://www.ptt.cc/bbs/creditcard/M.1774949271.A.3FF.html) — PTT · creditcard，2026-03-31，4 分，可信度低 - [How credit card rewards became a $9.2B wealth transfer](https://news.ycombinator.com/item?id=49432201) — Hacker News，2026-08-25，257 分，可信度中 - [FICO Scores In the US](https://sh.itjust.works/post/26088084) — Lemmy · dataisbeautiful，2024-10-03，168 分，可信度中 > The image is from a [Washington Post](https://www.washingtonpost.com/business/2023/02/17/bad-southern-credit-scores/) article which took the data from an interesting research paper titled [Who Pays For Your Rewards? Red… - [心得 ios快速信用卡回饋計算](https://www.ptt.cc/bbs/creditcard/M.1769778982.A.FB7.html) — PTT · creditcard，2026-01-30，14 分，可信度低 - [Show HN: I built a tool to manage and compare credit card rewards](https://news.ycombinator.com/item?id=43648145) — Hacker News，2025-04-11，87 分，可信度中 > This is a free tool that helps you manage and visualize your credit card rewards across different categories. You can input the cards in your wallet and see how they complement each other, spot gaps in your setup, and a… - [People who have been through tough timew, how did you keep moving?](https://lemmy.one/post/5113101) — Lemmy · asklemmy，2023-10-09，122 分，可信度中 > I'm a week late on rent due, I only paid half, I had to call all my credit card companies and utilities to tell them what's going on. And now my check engine light turned on because the bastard is misfiring. My wife los… - [心得 2026行動支付/信用卡回饋分享](https://www.ptt.cc/bbs/creditcard/M.1767853626.A.D2D.html) — PTT · creditcard，2026-01-08，45 分，可信度中 --- 外部討論版權屬原作者（PTT、Hacker News、Stack Exchange CC BY-SA、Lemmy），本站只提供標題、摘要與連結；站內心得 CC BY 4.0。可信度為估算。網頁版：https://tw-real-voices.panda198271.workers.dev/t/credit-card 電子書優惠：看到此訊息 24 小時內購買，一律第一階段最低價（私訊時提供優惠碼 P092720）：https://weathered-star-a206.panda198271.workers.dev 冷錢包 X1 五折優惠碼：Hulk@SFP，官方網站：https://safepal.com/zh-tc/store/x1｜交易所手續費減免註冊：幣託 https://www.bitopro.com/users/sign_up?referrer=3481486016｜BingX https://bingxzone.com/partner/QTKP7NLU｜幣安 https://www.binance.com/join?ref=HULK12