Sebenzisa imali kwaye usebenzise umvuzo wakho ekuhambeni
Iphuzu lemivuzo lekhadi lekhredithi yindlela ehle kakhulu yokufumana umvuzo ngokuthengwa kwekhadi lakho lesikweletu. Okulungileyo kakhulu kumaphuzu anemivuzo ebhalisini eliphezulu kunye neenkqubo ezivuzayo. Sebenzisa ikhadi lakho lekredithi ukuze udibanise amanqaku (okanye iilili) ongayisebenzisa ukuhamba, amakhadi wesipho kunye nezinye izinto. Nantsi ingongoma engcono kakhulu kumvuzo wamakhadi ekhredithi atholakalayo kwangoku.
01 ngo-06
Eyona ndlela iphezulu: Chase Sapphire Reserve
Ngobubele beChase I-Chase Sapphire Reserve yi-premium umvuzo wekhadi lesikweletu - enye eneebhonasi ezinkulu zokubhalisa, i-perks eyongezelelweyo kunye nemali ephezulu yonyaka.
Masiqale ngeprogram yokuvuza. I-Chase Sapphire Reserve ihlawula amanqaku amathathu nge dollar ekuhambeni, kuquka neehotele, iitekisi kunye neetreni; Amaphuzu amathathu nge dollar ekudleni emhlabeni wonke; kunye nenqaku elilodwa nge dollar kuyo yonke into. Amaphuzu afaneleka ngaphezulu kweepesenti ezingama-50 xa ubahlawulela ngokuShawula iMvuzo emihle. Akukho mihla emnyama okanye izithintelo xa ungahlawulela umvuzo wakho.
Njenge-Chase Sapphire ekhethiweyo, i-Chase Sapphire Reserve ivuza amanqaku angama-50,000 emva kokuchitha i-$ 4,000 ekuthengeni kwiinyanga ezintathu zokuqala ze-akhawunti. Kodwa, kunye ne-Chase Sapphire Reserve, ibhonasi ixabisa ukuya kuma-dollar ayi-750 ekuhambeni xa uhlawulela iinqununu zakho ngeCase ye-intanethi yokubuyisela: Yilungiselele iMvuzo emihle.
Ibhonasi yokubhalisa yinto nje yokuqala ye-Chase Sapphire Reserve.
Abanikazi bamakhadi bathola i-300 yeekhredithi zokuhamba zonyaka ezihlawulelwayo zokuthenga ukuhamba ezenziwe kwikhadi. Uya kufumana i-$ 100 yentlawulo yesicelo kwi-Global Entry okanye i-PreCheck. Ezinye iipaki ze-Chase Sapphire Reserve zibandakanya ukungena kwii-lounges kunye neenqwelo ezikhethiweyo zeenqwelo zokuqashisa ngeCar Rental Car, i-Avis ne-Silvercar xa ubhala ngekhadi lakho.
Intlawulo ebalulekileyo: Intlawulo yonyaka iyimali engama-$ 450 yonyaka we-card holder kunye ne-$ 75 yemali yonyaka kunabani abasebenzisi abagunyazisiweyo (ukuya ku-4). Akukho mali yokuthengiswa kwamanye amazwe.
02 we-06
I-Runner-Up, Eyona ndawo iphezulu: Chase Sapphire ekhethiweyo
Ngobubele beChase I-Chase Sapphire ekhethiweyo yinye inqaku elihle livuza umvuzo wesikweletu kwikharityhulam. Isakhiwo sokwenza umvuzo sinokulula, umrhumo wonyaka unengqiqo, kwaye ikhadi linomnye weebhonasi ezinkulu zokubhalisa.
Nge-Chase Sapphire ekhethiweyo, uya kufumana amanqaku amabini kwiidola zonke ozichithayo ekuhambeni nasekudleni kwiivenkile kunye nepotra enye nge dollar kuyo yonke into. Ngoxa i-Chase ikunika iindlela ezahlukeneyo zokuhlenga, amanqaku afanele ama-25 ekhulwini xa usebenzisa i-Chase Ultimate Rewards ukuhlawulela umvuzo wakho.
Njengobhonasi bhaliso, uya kufumana amanqaku amabhonasi ama-50,000 emva kokuchitha ii-4,000 zamaRandi ekuthengeni kwiinyanga ezintathu zokuqala ze-akhawunti. Amaphuzu axabisa i-$ 625 yeeRawulo xa uwahlawulela ngokuShawula iMvuzo emihle.
Ukuba uyilungu leminye inkqubo yokunyaniseka kwaye ufuna ukudibanisa amaphuzu, unokudlulisa amanqaku e-1: 1 kwi-hotele yeChese kunye namaqabane e-airline. Ambalwa amalingani afaka iMiphumo yeRiphabliki ye-Air Rapid, i-United MileagePlus neMbuyekezo yeMarriott.
Intengo ebalulekileyo: Musa ukuhlawulwa kwemali yokuthengiswa kwamanye amazwe ekuthengeni kwamanye amaxabiso Imali yemali eyi-$ 95 yonyaka isuswa ngonyaka wokuqala.
03 we-06
Eyona ndlela ihamba phambili yohambo lwe-Flexible: Imali Eyinkunzi yeNtengo
Ngokunyanisekileyo kweNkunzi eyodwa Ukuze ulungelelanise kancinci ukukwazi ukufumana umvuzo, khangela i-Capital One Venture Mewards card. Fumana iimitha ezimbini ezingamkhawulo nge dollar kuyo yonke into oyithengayo. Phinde uthole amawaka amabhonasi angama-50 000 emva kokuba uchithe imali engama-3,000 kwiintengo zokuthenga ezinyangeni ezintathu zokuqala.
Ukuhlawulelwa kwemivuzo kulula nje kwaye kunzima ukuzifumana. Yenza umvuzo nje nje ngomvuzo njengetatimende lesikweletu ekuthengeni kwakho kwezohambo.
Ixabiso elibalulekileyo: Imali engama-$ 95 yonyaka ikhutshwe ngonyaka wokuqala, kwaye uhlawulwa ngamnye ngonyaka kunyaka wakho wokugubha. Akukho mali yokuthengiswa kwamanye amazwe.
04 we-06
Ixabiso eliphakamileyo eliphakanyisiweyo: Citi SiyabongaUthandayo
Ngobubele beCiti I-Citi SiyabongaUkhadi elikhethiweyo lihlawula iipoti ezimbini nge dollar ekudleni nasekuzonwabisa; inqaku elinye nge dollar kwinto enye. Unokufumana amanqaku angenamkhawulo kwaye amaphuzu akho awapheli. Phula amaphupha ngamakhadi wesipho, imivuzo yokuhamba, okanye usebenzise kwi-Amazon.com okanye kwi-BestBuy.com.
Njengomthengi weCiti, unokuzonwabisa ngeCiti Price Rewind, into ebuyisela ngokuzenzekelayo ukulungiswa kwexabiso. Isixhobo sitshekisha amaxabiso aphantsi kwizinto ezibhalisiweyo ozithengile ngekhadi lakho leCiti kwaye ubuyisela imali phakathi kwexabiso olihlawuleyo kunye nexabiso eliphantsi. Konke okufuneka ukwenze ukubhalisa into, iCiti yenza yonke loo misebenzi.
Ixabiso elibalulekileyo: I-Citi I-ThankYou ekhethiweyo inikezela nge-0% yepesenti yokuqala ye-APR malunga neenyanga ezili-15 ngokuthenga kunye nokuhanjiswa kwemali. Emva kokuba ixesha lokuphromotha liphela, i-APR rhoqo iya kuba ngama-14.49 ukuya kuma-24.49 ekhulwini. Akukho ntlawulo yonyaka.
05 ka 06
I-Airline ehamba phambili: I-Rapid Rapid Rewards Plus Card Credit
Ngobubele beChase Yonke into ehamba rhoqo ifuna ikhadi lekhredithi yomoya. Umvuzo we-Southwest Rapid Plus kunye neKhadi leKhariti lihlawula iipalini ezimbini ezingenamkhawulo nge dollar kwi-Southwest Airlines kunye neehotele ethile kunye nokuthengwa kwemoto; ngoko, enye inqaku nge dollar kwinto enye.
Fumana amanqaku amabhonasi angama-40,000 xa usebenzisa i-$ 1,000 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. I-Plus yifumana iingongoma ezi-3,000 ngonyaka ngamnye kunyaka wakho wokukhumbula. Unako ukukhupha amaphupha akho kwiindiza zamazwe ngamazwe, ukuhamba, ukuhlala kweehotele, ukuqashisa imoto kunye namakhadi wesipho.
Umrhumo wonyaka we-Southwest Air Rewards Plus Credit Card yi-$ 69. Inombolo yeNku lumbuso yekhadi iza ne-$ 99 yemali yonyaka, ukuphucula ibhonasi yokukhumbula iminyaka engama-6 000 kwaye ayinayo intlawulo yokuthengiswa kwamanye amazwe.
06 we-06
Ihotele ehamba phambili: Hilton HHonors American Express
Ngobubele be-American Express I-Hilton, enye yeetyunithi ezikhethiweyo zeehotele zesizwe, nayo inomnye weenkqubo zokuvuza. Nge-Hilton HHonors yase-American Express, fumana amanqaku asixhenxe nge dollar ehlala kwihotele kwi-portfolio ye-Hilton; Amanqaku amahlanu nge dollar xa kuthengwa kwiivenkile zase-US, ivenkile kunye nezikhululo zegesi. Fumana amanqaku amathathu nge dollar kuzo zonke ezinye izinto ezifanelekileyo.
Sebenzisa imali eyi-1 000 kwiintlawulo zokuqala kwiinyanga ezintathu zokuvula i-akhawunti yakho kwaye ufumane ama-bonus angama-50,000 kwi-Hilton Honors points. Iphothifoliyo ye-Hilton iquka iHalton Hotels & Resorts, i-Embassy Suites yi-Hilton, i-DoubleTree yi-Hilton, i-Waldorf Astoria Hotels & Resorts, i-Hilton Garden Inn kunye nokunye.
Fumana isimo sokuncedisa iSilvers kunye nekhadi lakho lesikweletu. Ngesimo seSiliva, uzakufumana ngokuzenzekelayo ibhonasi engama-15 kuwo wonke amaziko aseHlton Honors owafumanayo, uya kufumana ubusuku bo-5 bakhululekile kwiindawo zeehotele kwaye ujonge iintlawulo zeehotele ezifana nokungena kwedijithali nokukhangela emva kokukhawuleza.
Sebenzisa imali engama-20,000 kwiimali ezifanelekileyo kwiKhadi lakho kunyaka wekhalenda kwaye ufumane i-Hilton Honors Isimo segolide selo lonke unyaka kwaye ekupheleni konyaka wekhalenda olandelayo. Iimo zeGolide ziquka zonke izinto ezikhoyo zeSiliva, kunye ne-bonus ikunika ibhonasi yeepesenti ezingama-25 kuzo zonke iiPalo zeSixeko ze-Hilton Honors ozifumanayo, ubusuku bo-5 ubusuku obukhululekile kunye nokuhlaziywa kwamagumbi kusekelwe kukufumaneka.
Intengo ebalulekileyo: Akukho ntlawulo yonyaka.
Amakhadi ekhadi lesikweletu aya kutshintshwa. Hlola ngomniki wekhadi ngamnye weemboleko ngemimiselo nemibandela yakutshanje.