Sebenzisa imali bese usebenzisa imivuzo yakho ekuhambeni
Iphuzu lesikweletu ikhadi lesikweletu kuyindlela enhle kakhulu yokuthola umvuzo ngokuthengwa kwekhadi lakho lesikweletu. Okuhle kunawo wonke amaphuzu amaholo anamabhonasi aphezulu wokubhalisa kanye nezinhlelo ezinhle zokuvuza. Sebenzisa ikhadi lakho lesikweletu ukuze uqoqe amaphuzu (noma amamayela) ongawasebenzisa ekuhambeni, amakhadi wesipho kanye nezinye izinto. Nazi amaphuzu amahle kakhulu amakhadi esikweletu atholakalayo okwamanje.
01 ka-06
Okuphelele kakhulu: Chase Sapphire Reserve
Ngokuzikhethela kwe-Chase I-Chase Sapphire Reserve iyinkokhelo ye-premium ekhadini lesikweletu - elinye elinamabhonasi amakhulu wokubhalisa, ama-perks engeziwe kanye nemali ephakeme yonyaka.
Ake siqale ngohlelo lomvuzo. I-Chase Sapphire Reserve ikhokhela amaphuzu amathathu nge dollar ekuhambeni, kufaka phakathi amahotela, amatekisi nezitimela; amaphuzu amathathu dollar ngayinye ekudleni emhlabeni jikelele; futhi iphuzu elilodwa nge dollar kukho konke okunye. Amaphuzu afanele ngaphezulu kwamaphesenti angama-50 uma uwahlenga ngokusebenzisa i-Chase Ultimate Rewards. Awekho amadethi amnyama noma imingcele lapho ungakwazi ukuwukhipha umvuzo wakho.
Njenge-Chase Sapphire Ekhethiwe, i-Chase Sapphire Reserve ivuza amaphuzu angu-50,000 emva kokuchitha u-$ 4,000 ngokuthenga ezinyangeni zokuqala ezintathu zokuvula i-akhawunti. Kodwa, nge-Chase Sapphire Reserve, ibhonasi kufanele ifike ku-$ 750 ekuhambeni uma uhlenga amaphuzu akho ngokusebenzisa ithuluzi lokubhuka le-Chase online: Chase Ultimate Rewards.
Ibhonasi yokubhalisa iwukuqala kwama-Chaks Sapphire Reserve.
Abanikazi bamakhadi bathola i-$ 300 yenkokhelo yokuhamba yonyaka ekhokhelwa ukuthenga ukuhamba okwenziwe ekhadini. Uzothola imali engu-$ 100 yemali yokufaka isicelo se-Global Entry noma i-PreCheck. Ezinye izimpahla ze-Chase Sapphire Reserve zihlanganisa ukungena kwamakamelo ezindiza ezikhungweni zezindiza kanye namalungelo okuqasha eziqashisayo ze-Car Car Rental, i-Avis ne-Silvercar uma ubhala ngekhadi lakho.
Imali ebalulekile: Imali yaminyaka yonke yimali engu-$ 450 yaminyaka yonke yomnikazi wekhadi oyinhloko kanye nemali engu-$ 75 yaminyaka yonke kunoma yimuphi omunye umuntu ogunyaziwe abasebenzisi (kuze kube ngu-4). Akukho mali yokuthengiswa kwamanye amazwe.
02 ka 06
Ukugijima-Phezulu, Okuphelele Kakhulu: Chase Sapphire Okuthandwayo
Ngokuzikhethela kwe-Chase I-Chase Sapphire Ekhethwe Ngamanye amaphuzu amakhulu avuza ikhadi lesikweletu emakethe. Isakhiwo somvuzo silula kakhulu, imali yonyaka ingacabangela, futhi ikhadi linamabhonasi amakhulu okubhalisa.
Nge-Chase Sapphire Okuthandayo, uzothola amaphuzu amabili kuwo wonke amadola owachitha ekuhambeni nasekudleni ezindaweni zokudlela kanye nephuzu elilodwa nge dollar kukho konke okunye. Ngenkathi uChase ekunika okukhethwa kukho okukhethwa kukho ukuhlengwa, amaphuzu athola amaphesenti angu-25 xaxa uma usebenzisa i-Chase Ultimate Rewards ukuhlenga imivuzo yakho.
Njengobhonasi bokubhalisa, uzothola amaphuzu ebhonasi angu-50,000 ngemuva kokusebenzisa u-$ 4,000 ekuthengeni ezinyangeni ezintathu zokuqala zokuvula i-akhawunti. Amaphuzu afaneleka ku-$ 625 uma uwahlenga ngokusebenzisa i-Chase Ultimate Rewards.
Uma ungelungu leminye izinhlelo zokuthembeka futhi ufuna ukuhlanganisa amaphuzu, ungadlulisela amaphuzu 1: 1 ku-Chase ehhotela kanye nabalingani bezindiza. Abambalwa abalingani bafaka imivuzo ephuthumayo ye-Southwest Airlines, i-United MileagePlus nemivuzo yama-Marriott.
Izintengo ezibalulekile: Ungakhokhisi imali yokuthengiswa kwamanye amazwe ngokuthenga kwakho kwezinye izikweletu Imali engu-$ 95 yonyaka isuswa ngonyaka wokuqala.
03 ka 06
Okuhamba phambili ekuhambeni kwe-Flexible: Imivuzo ye-Capital One Venture
Ngokuzithoba kwe-Capital One Ukuze uthole ukuguquguquka okuncane ngokwengeziwe emandleni akho okuthola umvuzo, bheka iKhadi leKhredithi ye-Capital One Venture. Thola okungenamkhawulo ngamamayela amabili nge-dollar kukho konke ukuthenga okwenzayo. Okunye thola ama-bonus angu-50,000 uma ususebenzise u-$ 3,000 ekuthengeni ezinyangeni ezintathu zokuqala.
Ukubuyisela imivuzo kuyinto elula futhi engenzi lutho njengoba uzuza. Vele uhlenge imivuzo njengesitatimende sesikweletu sokuthengwa kwakho kokuhamba.
Izintengo ezibalulekile: Imali engu-$ 95 yaminyaka yonke isuswa ngonyaka wokuqala, bese ukhokhiswa unyaka ngamunye phakathi nenyanga yakho yokugubha usuku. Akukho mali yokuthengiswa kwamanye amazwe.
04 ka 06
Isilinganiso Esiphezulu Sokunyusa: Citi SiyabongaUkuthanda
Ngobuqotho bukaCiti I-Citi ThankYou ikhadi elikhethiwe likhokhela amaphuzu amabili nge dollar ekudleni nasekuzijabuliseni; iphuzu elilodwa nge dollar kukho konke okunye. Ungathola amaphuzu angenamkhawulo futhi amaphuzu akho awapheli. Buyisela amaphuzu amakhadi wesipho, imivuzo yokuhamba, noma usebenzise ku-Amazon.com noma i-BestBuy.com.
Njengekhasimende le-Citi, ungajabulela i-Citi Price Rewind, isici esikubuyisela ngokuzenzakalelayo wena ukulungiswa kwentengo. Ithuluzi lifuna amanani aphansi ezintweni ezibhalisiwe ozithengile ngekhadi lakho le-Citi futhi ubuyisela umahluko phakathi kwentengo okhokhileyo namanani aphansi. Konke okumele ukwenze ukubhalisa into, Citi ingabe yonke imisebenzi.
Izintengo ezibalulekile: I-Citi ThankYou ethandwayo inikeza i-APR ye-0% ye-intro introductions ezinyangeni ezingu-15 ngokuthengiswa nokulinganiswa kwemali. Emva kwesikhathi sokuphromotha siphela, i-APR evamile iyoba ngamaphesenti angu-14.49 kuya ku-24.49. Ayikho imali yonyaka.
05 ka 06
I-Airline Ehamba phambili: Imiklomelo YaseNingizimu West Rapid Plus Ikhadi Lesikweletu
Ngokuzikhethela kwe-Chase Yonke inhlanhla evame ukudinga ikhadi lokuthenga ngesikhwama sezindiza esikhwameni sabo. I-Southwest Rapid Imivuzo Plus Ikhadi Lesikweletu likhokhela amaphuzu amabili angenamkhawulo nge dollar ku-Southwest Airlines kanye nehhotela elithile nokuthenga imoto yokuqasha; ke, iphuzu elilodwa nge dollar kukho konke okunye.
Thola amaphuzu ebhonasi angu-40,000 uma usebenzisa i-$ 1,000 ekuthengeni ezinyangeni ezintathu zokuqala ukuvula i-akhawunti yakho. Plus thola amaphuzu ayizinkulungwane ezingu-3 000 ngonyaka ngonyaka onyakeni wezinsuku zakho. Ungakwazi ukuhlenga amaphuzu akho ezindizeni zamazwe ngamazwe, ukuhamba, ukuhlala kwehhotela, ukuqasha imoto namakhadi wesipho.
Imali yaminyaka yonke ye-Southwest Airlines Imiklomelo Plus Credit Card i $ 69. I-Premium version yekhadi ifika ngemali engu-$ 99 yaminyaka yonke, ithuthukisa ibhonasi yesikhumbuzo kumaphuzu angu-6,000 futhi ayinayo imali yokuthengiswa kwamanye amazwe.
06 ka-06
Ihhotela elihamba phambili: Hilton HHonors American Express
Ngokuzithandela kwe-American Express I-Hilton, enye yezinketho zehhotela ezihlonishwa kakhulu, nayo inezinhlelo ezithile zokuvuza. Nge-Hilton HHonors American Express, thola amaphuzu ayisikhombisa nge-dollar ngayinye ekuhlala kwehhotela ngaphakathi kwephothifoliyo ye-Hilton; amaphuzu ayisihlanu nge dollar ekuthengeni okwenziwa ezitolo zase-US, izitolo ezinkulu neziteshi zegesi. Thola amaphuzu amathathu nge dollar kuzo zonke ezinye ukuthenga okufanelekile.
Sebenzisa imali engu-$ 1,000 ekuthengeni ezinyangeni ezintathu zokuqala ukuvula i-akhawunti yakho futhi uthole ama-bonus angu-50,000 we-Hilton Honors. Iphothifoliyo ye-Hilton ihlanganisa i-Hilton Hotels & Resorts, i-Embassy Suites by Hilton, i-DoubleTree ka-Hilton, i-Waldorf Astoria Hotels & Resorts, i-Hilton Garden Inn nokuningi.
Thola isimo se-Silvers esivumelwaneni ngekhadi lakho lesikweletu. Ngesimo sesiliva, uzothola ibhonasi engamaphesenti angama-15 kuwo wonke ama-Hilton Honors base akhomba ukuthi uyothola, uzothola ubusuku bonke obungama-5 mahhala ekuhlaleni kwehhotela futhi ujabulele izinzuzo zehhotela njengokungena kwedijithali nokuhlolwa kokuhamba kwesikhathi.
Sebenzisa imali engu-$ 20,000 ekuthengeni okufanelekile ekhadini lakho ngonyaka wekhalenda bese uthola i-Hilton Honors Isimo Segolide Sekupheleni konyaka futhi ekupheleni konyaka wekhalenda olandelayo. Isimo segolide sihlanganisa zonke izinto ezibonakalayo zesimo seSiliva, kanye nokunikezela ibhonasi engamaphesenti angama-25 kuzo zonke izici ze-Hilton Honors Base Amakhasi owawutholayo, njalo ebusuku kusihlwa mahhala nokuthuthukiswa kwamakamelo okusekelwe ekutholakaleni.
Intengo ebalulekile: Ayikho imali yonyaka.
Amagama ekhadi lesikweletu angashintsha. Hlola nomklomelo ngamunye wekhadi lesikweletu ngemibandela nemibandela yakamuva.