免費停車優惠
Jane and Ben are in a department store. Ben is paying at the cash register.
珍和本在一家百貨公司。本在櫃台結帳。
Ben: Hold on. Let me find the right credit card.
本：等一下噢，讓我找一找要用的信用卡。
Jane: Wow. Is it necessary to have so many credit cards at your disposal?
珍：哇，有沒有必要用到那麼多張信用卡啊？
at one’s disposal 可供某人使用或處置
Ben: All these are rewards cards that are affiliated with different brands.
本：這些都是跟不同品牌合作的聯名紅利卡。
be affiliated with 隸屬於～
Jane: What does that mean?
珍：什麼意思？
Ben: It means they are co-branded by a credit card issuer and a retail brand.
本：意思是，這些都是信用卡公司與商家合作的聯名卡。
retail(n.)(v.)售賣、零售
Jane: So what rewards do you get by using this credit card?
珍：那刷這張信用卡可以得到什麼獎勵？
Ben: If I use this department store’s own branded credit card, then I don’t need to spend as much to cover my parking fee.
本：如果我用這家百貨公司的聯名信用卡，我不必消費到特定金額，就可以免費停車。
cover(v.)足夠支付
Jane: That’s a nice perk. Do you use co-branded cards for all of your purchases?
珍：這福利真不錯。你都用聯名卡消費嗎？
perk(n.)（工作上的）福利或待遇
Ben: These cards usually have higher interest rates, so they’re not ideal for carrying a balance.
本：這些卡通常都有比較高的利率，不適合積欠卡費。
interest rate 利率be ideal for 適合～balance(n.)餘額、結存