At present, American Express Yao Hongka has eight banks to apply for, with slightly different rights and interests. But as a universal card, the rights and interests of each card are quite good. For example, Yao Hongka of Everbright American Express has more rights and interests in food, and there are discounts for star-rated hotel buffets, and Starbucks gives them special stars. Guangfa American Express Yao Hongka online shopping has cashback, which are platforms that people will use in their daily lives, such as Meituan, Hungry, JD.COM and Tmall.