Paunenge uchitsvaga yekutanga yako kadhi rechikwereti , zviri nyore kurasikirwa muhuwandu hwakawanda hwezvisarudzo zvinowanikwa kwauri. Iyo yakanakisisa yokutanga chikwereti yakasiyana zvichienderana nokuti uri kupi muupenyu uye zvinangwa zvako zvekushandisa kadhi rechikwereti. Iyi nhamba yepamusoro yekodhi yemakadhi makadhi inosanganisira zvipo zvevadzidzi, avo vasina chikwereti , vechidiki vechidiki nezvimwe. Kana uri kuedza kusarudza kadhi rakakura rechikwereti kwekutanga, tarisa imwe yakanyorwa apa.
Best for Students: Discover It for Students
Kuzviwana kuVadzidzi ndiyo yakanakisisa kadhi rechikwereti yevadzidzi kuwana kadhi rechikwereti kwekutanga. Kadhi rechikwereti rinodhara 5 muzana yemari mibairo yemitadzo yakagadzirwa muzvikamu zvinoshandura kota imwe neimwe uye ne1 muzana kumashure pane zvimwe zvose. Iwe unogona kuwedzera mibairo yako nekuita huwandu hwekushandisa kwekadhi rako rechikwereti mumakiti mashanu ezana. Pakupera kwegore rokutanga, Discover ichafananidza zvose cashback yawakagamuchira, idhora yemadhora.
Pamusoro pemigumisiro, unogona kuwana mari inopfuura $ 20 mari kumashure kana iwe ukachengetedza GPA ye 3.0 kana kupfuura gore negore kwemakore mashanu.
Mitengo inokosha: Hapana mari yegore negore . Gamuchira 0% yemutambo wekutanga APR pamwedzi 6. Mushure mezvo, APR inogara iri 13.99 muzana kusvika 22.99 muzana.
Best for Young Vakuru: Capital One QuicksilverOne
Zvaunotenga pane Capital One QuicksilverOne Mibayiro inowana 1.5 muzana mari yakadzoka.
Hapana mazvikamu makumi mana ekufungidzira uye hapana kuiswa kwaidiwa kunowanikwa kuwana mibairo.
Kune vechidiki, mari yekudzorera ndeimwe yemhando dzakasiyana-siyana dzemigumisiro uye nokuti Capital One QuicksilverOne hairevi mari yakanakisisa yekwereti, kutanga nguva inopedzisira yava nani pakugamuchira. Mari yako yakadzorerwa inopa mibayiro isingafi uye iwe unogona kuregera mubairo wako chero nguva.
Sezvo iri kamba rako rechikwereti rokutanga, chikamu chako chekutanga chekwereti chingave chisina kukwirira. Capital One ichakuongororei iwe nokuda kwechikwereti chikamu kuwedzerwa kana iwe ukaita makosi ako mashanu okutanga pamwedzi nenguva.
Mitengo Inokosha: Mutengo wePAP uri 24,99 muzana uye mutengo wegore ndewe $ 39.
Best for Recent Graduates: Chase Freedom
Vatsva Vanotsvaga Rusununguko vanowana mari ye $ 150 yokupindira bonus mushure mekushandisa $ 500 pamatenga mumazana matatu ekutanga kubva pakubhurwa kwebhuku. Zvadaro, iwe uchawana 5 muzana mari yakadzoka kusvika ku $ 1,500 mukutengeserana pamwe chete mumabhonasi maitiro anochinja kota yega (iwe unofanira kushanda kuti uwane 5 mubayiro mibayiro). Iwe uchawana 1 muzana mari yakadzoka pane zvimwe zvose zvaunotenga.
Kubhadhara mari yebhonasi pamwe chete yakareba 0% APR nguva yokutanga inoita kuti ive kadhi rakakura rechikwereti yevakapedza kudzidza munguva pfupi yapfuura ivo vari kujaira kuupenyu kunze kwekoroji uye kubhadhara chikwereti chevadzidzi kwekutanga.
Mitengo Inokosha: Pane 0% yemutambo wokutanga APR kwemwedzi gumi nemashanu pazvinhu zviviri zvekutenga uye kuwedzerwa kweyeri . Mushure mezvo, APR inogara iine 15.99 muzana kusvika 24.74 muzana. Hapana mari yegore negore.
Zvakanakisisa Kune Vafambi: Bhizinesi reAmerica Kutora Mubayiro weVadzidzi
Vafambi vanobatsirwa neBhange reAmerica Travel Ropafadzo dzeVadzidzi.
Kadhi rechikwereti rinobhadhara mabhiriyoni makumi maviri emabhonasi kana ukashandisa $ 1 000 pakutenga mumazuva ekutanga 90 ekuva nekadhi rechikwereti. Ikobhasi ye20 000 inokwana $ 200 statement chikwereti pamusoro pekutengesa kutengesa kunoitwa pakadhi rako rechikwereti.
Kutenga kunowana 1.5 points pamadhora. Kana uine Bhuku reAmerica rinotarisa kuongorora kana kuchengeta kambani yekuchengetedza, iwe uchawana bonus 10 muzana pamubairo wako. Mibairo yako inogona kudzikinurwa chero nguva ipi zvayo kune imwe ndege kana kuti hotera kutenga.
Sekuwedzera kwepakiti, unokwanisa kuwana chikwangwani chako cheFICO pachena nokuda kwekushandisa Mobile Banking kana kubhengi bhizinesi. Yako FICO chikamu chiyero chekuti uri kuita sei nekwereti, kwete chete neBhange reAmerica kadhi rechikwereti, asi chero mamwe maakarenda ekwereti iwewo unewo, semuenzaniso chikwereti chevadzidzi kana chikwereti chemari.
Mitengo Inokosha: Fara 0 muzana yekutanga mutengo wekutenga pakutenga kwekutanga kwekubhadhara mabhiriji.
Mushure mezvo, APR inogara iine 15.99 muzana kusvika 23.99 muzana. Hapana mutero wegore negore uye hapana mutero wekutengesa kune dzimwe nyika.
Zvakanakisisa Zvisina Kubhadhara: Capital One Classic Platinum
Capital One Classic Platinum ine nhoroondo yekubvumira vashandi vari kutanga kungobuda nekwereti. Chero bedzi iwe uine pfuma yako, maitiro ako ekugamuchirwa kwekodhi yako kadhi rechikwereti yakanaka uye haufaniri kuva mudzidzi kuti agamuchirwe. Sezvo neGeor One Quicksilver One, kana iwe ukaita makosi ako mashanu okutanga pamwedzi nenguva uye Capital One ichakutarisa iwe nekuda kwekwereti chikamu kuwedzerwa.
Mitengo Inokosha: Kutenga APR ndeye 24.99 muzana uye mutengo wegore ndewe $ 0.
Best for Immigrants: Deserve Edu MasterCard
The Deserve Edu MasterCard inokosha kutanga kadhi kadhikiti kune vanoenda kune dzimwe nyika uye vagari vemo vanogara vasina huwandu hwemagariro-kusiyana nehuwandu hwemakadhi ekwereti pamusika kadhi rechikwereti harifaniri kuti nhamba yekuchengetedzwa kwevanhu inobvumirwe.
Kana uchinge wabvumirwa, the Deserve Edu MasterCard ichabhadhara 1 muzana mari isingagumi shure kwezvinhu zvose zvakatengwa pane kadhi rechikwereti. Vadzidzi vanogonawo kunakidzwa neAmerica Amai Vakuru vehutano uye vanowana mukana weVhidhiyo, Free, uye kuverenga.
Mushure mekushandisa Ita Edu MasterCard nekuchenjera, unogona kuwanika kuDeserve Pro MasterCard. Izvi zvakagadziridzwa zvinokwereta 3 muzana yemari shure kwekufambisa uye kuvaraidzo, 2 muzana kumashure paresitorendi, uye 1 muzana kumashure pane zvimwe zvose zvinotengwa.