Chengetedza makadhi emakwereti anopa zvikwereti uye mibayiro yevashambadzi vakavimbika kwazvo. Kana iwe unowanzoita zvakawanda zvako kutengesa mune imwe chete kana mbiri mbiri, kuva nechikwereti chechikwere ichocho chikwama chako chinogona kukubatsira kuchengetedza mari pane zvinangwa zvako. Pamusoro penzira, iwe haudikanisi chikwereti chakakosha kuti chibvumirwe kune makadhi akawanda ezvitoro zvezvitoro, kunyanya kushandiswa kwemakadhi emakadhi emakadhi anogona kungoshandiswa mune imwe nzvimbo yekutoro.
Usati wasarudza kadhi rechikwereti chechikwereti chechikwama chako, ziva kuti makadhi ematokari ezvitoro anowanzo kutakura mari yepamusoro yekutora zvinoreva kuti iwe unofanira kugara uchibhadhara mari yako yakazara kuitira kuti urege kubhadhara chikwereti pachiyero chako. Apo kadhi rechikwereti chezvitoro rinopa ruzivo rwakakosha kusimudzirwa, iwe unofanira kubhadhara chikwereti chakazara musati nguva yekudhinda ipera. Kana zvisina kudaro, kadhi yacho inowedzera zvizere zvakakwana zvekufarira kwero rako.
Iye zvino zvatakafukidza zvinhu zvakakosha, heyi ndiyo yakanakisisa denga makadhi emakadhi iwe unogona kuva muhomwe yako muna 2018.
Best for Online Shopping: Amazon Prime Store Card
Ne Amazon Prime Store Card , iwe uchatora kutora kwemazuva maviri neveAmai Your Prime Prime, pamwe nebhadharo 5 muzana pamabhuku enyu ose Amazon.com. Amazon Nhengo yepamusoro ye $ 99 pagore, saka kana ukashandisa mari inodarika $ 2,000 pa Amazon.com inotenga gore roga rega, 5% yemari yakadzoka yakakosha. Mipiro inobhadharwa sechirevo chekwereti.
Iva nekodzero yekubhadhara mari inokosha zvichienderana nemari yako yekutenga. Wana mwedzi mitanhatu yekubhadhara mari inokosha yekutenga kwe $ 149 kana kupfuura, mwedzi gumi pakutenga $ 599 kana kupfuura, mwedzi makumi maviri nemasere pakusarudza zvinhu zvakatengeswa neAmazon, uye mwedzi gumi yakaenzana mubhadharo pakusarudza maAmerica-akatengesa zvinhu. Nebhadharo rakaenzana, iwe unokwanisa kuita 12 kuenzana pamwedzi pamari pane zvimwe zvinhu.
Cherechedza kuti unofanirwa kusarudza kuwana 5 muzana yemari shure kana kugamuchira mari yakakosha, haugoni kugamuchira zvose. Nokuti iri kadhi rechikwereti redu rekuchengetedza uye kwete co-branded kadhi rechikwereti, iwe unogona kungoshandisa kadhi pa Amazon.com kutenga.
Mitengo inokosha : The APR ndeye 25.99 muzana uye hapana mari yegore negore .
Best for Clothes: Kohl's Charge Card
Dhipatimendi rebazi reKohl inzvimbo yakaisvonaka yokutenga zvipfeko zvemhuri yose. Iwe uchawana 25 muzana kubva pakutenga kwako Kohl's Charge yokutanga uye imwe 15 muzana apo kadikiti yako inosvika mune tsamba. Sekupa rubatsiro rwakakosha, iwe uchave nekukwanisa kusvika kune gumi nezviviri zvinopiwa gore negore. Uye kana ukashandisa $ 500 pamutengo wako weKohl, iwe uchava Muteereri Anokosha Kwazvo uye uchatora zviduku gumi nemana pagore.
Zvichienderera mberi, uchawana imwe Yega2Imiripo inoratidza dhora rose raunoshandisa paKohl's Charge yako uye $ 5 mibayiro yezvikamu zana zvaunowana. Uyezve, uchagamuchira chipo chekuzvarwa uye zvimwe zvinoshamisa kana iwe uri muchengeti.
Mitengo Inokosha : The APR ine 24.99 muzana. Hapana mari yegore negore.
Chinangwa Chakanaka Chakanaka: Target REDCard
Vatengesi vanogona kuwana zvese zvezuva nezuva uye kuchengetedza 5 muzana. Ne Target REDCard, iwe uchachengetedza 5 muzana pane Target uye Target.com kutenga zuva rimwe nerimwe (zvimwe zvinoshandiswa zvinoshandiswa), kunyange pane zvinyorwa zveS storebucks mune-store.
Iwe uchanakidzwawo nekutumira kusununguka pane zvinhu zvakawanda zvinotengeswa paTarget.com.
Pair yako kadhi neCartwheel, App Coupon yekuburitsa kuchengetedza kusvika makumi mashanu kubva muzana pane mazana ema-e-store zvinhu. Kunyanya, tora mamwe mazuva makumi matatu ekudzorera zvinhu zvawakatenga pa Target uye Target.com.
Mitengo Inokosha : The APR ndeye 23.90 muzana uye hapana mari yegore negore.
Best for Home Improvement: Lowe's Advantage Card
Kana iwe mukuru mukuvandudza kwemusha, Lowe's Advantage Card ikadhi rakakura. Iwe uchawana 5 muzana kubva kune yako Lowe inotenga zuva rega rega. Kana, kana uri kutenga zvigadzirwa zvepurojekiti, unogona kusarudza kuwana mwedzi mitanhatu yekubhadhara mari yakasiyana panzvimbo ye 5% kudhura. Iwe unofanirwa kuita zviduku zve $ 299 zviduku zvekutenga kuti uwane kukwana kwemwedzi mitanhatu yakabhadhara mari. Kana uine purojekiti yakawanda yakatengwa pa $ 2,000 kana kupfuura, unogona kukumbira kupera kweApri kushandiswa kwemakore 36, 60, kana 84.
Iwe unogona kukumbira $ 30 kubva pakutenga kwako kokutanga kana iwe ukanyorera Lowe's Advantage Card muchitoro uye iwe unogamuchirwa. Mumamiriro ezvinhu apo 5 muzana kukodzero yakawanda kudarika $ 35 pamutengo wako wokutanga, iyo kutengesa ichashandiswa.
Mitengo Inokosha : The APR ndeye 26.99 muzana uye hapana mari yegore negore.
Best for Club Clubs: CostCo Anywhere Visa
Kune vanotengesa mabhizimusi, CostCo Anywhere Visa isarudzo yakanaka. Vatori veKadhi vanowana 4 muzana kumashure emagetsi akakodzera pasi rose yekutanga $ 7,000 gore negore; 3 muzana kumashure paresitorendi uye akakodzera kufamba kutenga pasi rose; 2 muzana mari yakadzokera kune dzimwe dzose kutenga kubva ku Costco uye Costco.com; uye 1 muzana pane zvimwe zvose zvinosanganisira gesi kutenga kune $ 7,000. Gasi kutenga kunowanikwa pazvitoro zvepamusoro, zvipuritatimendi, zvinyorwa zvinoshandiswa uye mabhizimisi ekuchengetera mari kunze kweCotcoco kana kuti mafuta anoshandiswa kune zvisiri-auto zvinangwa.
Sezvo iine co-chinonzi Visa kadhi rechikwereti, unogona kushandisa kadhi rako rechikwereti chero Visa inobvumirwa kuti uwane mubairo. Zvose mari yakabhadharwa iwe mugore rekarenda inobhadharwa segore rekwereti yemari yekubhadhara chikwereti mumutauro wako wekubhadhara waFebruary. Iwe unogona kudzikinura chiremba chemari kana yekutengesa ku US Costco Warehouses.
Matengo Anokosha : Fara nekutanga 0% APR kwemwedzi 7 pakutenga. Mushure maizvozvo, Apr ichava 16,49 muzana. Hapana mari yegore negore.
Nokuda Kwekwereti: Walmart Store Card
Vatengesi veWalmart vane chikwereti chakanaka vanofanira kufungisisa Kadhi Yezvokuchengetedza Walmart-iyo yakagadzirirwa chinangwa chekadhi rechikwereti chinogona kushandiswa chete paWalmart store. Cherechedza kuti kune co-branded Mastercard version yeWadhiart credit card iyo inoda kuti iwe uve nekodzero yemari yechikwereti kuti uwane.
Kana iwe ukanyorera Walmart Credit Card yako paIndaneti, uchachengetedza $ 35 paunoshandisa kadhi rako rechikwereti musi iwoyo. Iwe uchachengetedzawo 3 muzana zuva nezuva paWalmart.com; 2 muzana pane gasi paWalmart uye Murphy USA; 1 muzana paWalmart uye Sam Clubs. Kuponesa kunobhadharwa semutanho wechikwereti chero bedzi akaunti yako isati yapera.
Mitengo inokosha : APR nguva dzose ndeye 23.9 muzana uye hapana mari yegore negore.