About the US Credit Card 101 Knowledge Planet

US Credit Card 101 Knowledge Planet is a members-only community. The full annual membership fee is ￥399 (about $55), roughly half the annual fee of a typical credit card. With this membership, you gain access to the community’s collective knowledge, which can help you get more cards, more airline miles and points, more business- and first-class award tickets, more luxury hotel stays, and more cash back. Inside, there is a large amount of content related to US credit cards, airline miles, hotel points, all kinds of deals, cloud players, and more, along with many knowledgeable and generous experts from different fields.

The community began operating on March 21, 2025, and now has about 550 members. At this point, US Credit Card 101 Knowledge Planet serves as a repository for high-value information, with nearly 100 featured posts and 14 categorized columns accumulated so far. The WeChat groups, meanwhile, are the place for quickly sharing information and solving problems, with useful updates every day that are worth scrolling through and reviewing.

After six months of operation, the community offers not only foundational knowledge-sharing, but also many additional perks and activities. Here is a unified introduction to them. You can also check out our earlier introduction posts:

Full-Price Member Benefits (Exclusive to ￥399 Members)

For those who join at the full price of ￥399, we offer four extra benefits, and you may choose one of the four. After joining, please contact our WeChat assistant at uscards101 and let us know your selection. Anyone who joins at a discounted price is not eligible for any of the four benefits below, though you may participate later by paying the difference to reach the full annual membership fee.

  1. If you need to book business- and first-class travel between China and the US, especially using your own points, we can prioritize a consultation with award ticket expert ISAAC. Based on your route and existing points balances, he will provide an optimal flight and award-booking strategy. Details: US Credit Card 101 - Exclusive Award Ticket Booking Service: Unlock the Freedom of Business and First Class Here!
  2. If you are a complete beginner in the US credit card space and want to grow quickly, we offer a Beginner Bootcamp. Members with 3 or fewer credit cards are eligible to join, helping you increase both your card count and points balances quickly over the course of the year.
  3. If you are a cloud resident, you can choose our cloud resident starter guidance to help you get US credit cards more quickly and avoid obstacles in the application process. We have also connected with some experienced cloud-play experts who are willing to provide one-on-one guidance, as long as you are able to successfully use 1-2 of their credit card referral links. This is especially suitable for cloud players who are just getting started with an ITIN and can help you avoid many detours.
  4. If you run into difficult issues, we can provide dedicated assistance with problems such as Financial Review, address and identity verification, Notary, completing Form 4506, fraud issues, and more. Of course, we cannot guarantee a resolution, but we do have more experience than any individual working alone, so the chances of solving the problem are higher.

If you want the full-price member benefits, you can join directly by scanning the QR code below, or by using the link below:

Benefits for All Members

The benefits below are available to all members of US Credit Card 101 Knowledge Planet.

Application Cash Back

We have built a cash-back platform for applying for credit cards, brokerage accounts, and related services. Members can apply directly through this page, and once the application tracks successfully, you will receive additional cash-back rewards. This platform is exclusive to Knowledge Planet members and requires linking your Knowledge Planet account before use.

After linking your account, you will be able to see the cash-back offers list. Right now, 68 products offer cash back, including select credit cards and checking account products from banks such as AMEX, Chase, Citi, Capital One, US Bank, and HSBC, as well as brokerage platforms such as TradeUP and Moomoo.

It’s also very easy to use—just click through, the same way you would on a regular cash-back site.

Tracked cash back will appear in your account, and then you can contact us to cash out.

Monthly Sharing Events

Every month, we host a sharing event in the community where members can share their own experiences and stories, helping keep the atmosphere active and engaging. There are also red-envelope rewards.

Rewards for Active Members

If you publish featured posts, actively reply to others, or invite new members to join, you can earn rewards. These are distributed once per month to encourage sharing and content creation.

Referral Link Placement

From time to time, we also invite members to submit referral links for placement, which can earn very solid rewards as well. Here is one month’s SoFi result: many people got 2-3 successful referrals, and some earned $200-$300, far exceeding the annual membership fee.

US Stock Investing

We’ve found that quite a few members are interested in US stock investing, so we created a dedicated group for discussion. Some experienced members also generously guide others for free on IPO subscriptions, calls/puts, butterfly options, and more. There is meaningful earning potential there as well.

In addition, if you need a cryptocurrency trading platform, we also partner with Bitget to provide members with an exclusive 30% trading fee rebate.

Cloud Resident Benefits

Online information for cloud residents can be scattered and sometimes outdated. So we have put together a dedicated beginner guide for cloud residents to help everyone get started quickly.

How to Register

If you want the full-price member benefits, you can join directly by scanning the QR code below, or by using the link below: