Kwerekiti yemakadhi makadhi inzira yakanaka yekubhadhara kufamba kwako, zvingava iyo ndege, mahotera , motokari, kana kuti motokari dzinotora. Kufamba makadhi emakadhi ekubhadhara makiromita kana mapurisa pamusoro pekutenga kwaunoita nekadhi rako rechikwereti. Zvadaro, mushure mokunge mawana mimwe mibairo yezvipo, munogona kuregera mubairo wenyu wekutengesa kutengesa kana kushandisa mibairo yenyu semashoko ekubvisa kusafirwa kwakanyorwa pamakadhi enyu. Nzira dzakanakisisa dzokufamba makadhi emakadhi anopa mibayiro mikuru uye mamwe mafambiro ekufambisa.
Mazano Anokurumidza Okusarudza Kufambisa Makomborero Kadhi Kwereti
Kazhinji, APR yaKadhi yemakadhi yaizoita chinhu chikuru mukusarudza kadhi rechikwereti. Mberi inokosha chete apo iwe unoronga kutakura chikwereti pane kadhi rako rekwereti nokuti rezasi APR rinoreva iwe uchabhadhara zvishoma mubereko. Iwe haufaniri kumbhadhara chikwereti pane kadhi rechikwereti rechikwereti nokuti inofanidza mibayiro yawakagamuchira pane kadhi rechikwereti. Izvozvo zvinoreva kuti iwe unofanira kugara uchibhadhara chikwereti chako zvachose uye usambobhadhara zvakawanda pane zvaunokwanisa kubhadhara.
Usasarudza kadhi kadhi rechikwereti rinotarirwa nehuwandu hwekutsvaga kutengesa kupiwa . Mienzaniso inoshandiswa haibhadhari mibayiro uye inotora chikwereti chiripo iwe unogona kushandisa kushandisa mari yako yekutanga. Kwete izvo chete, kuenzanisa kunotengesa kuisa mari yekubhadhara mari , ine mari yakawedzera iyo inokanganisa chero mibayiro yaunowana pane kadhi.
Kana ukangobvumirwa kusarudza kadhi kadhi rechikwereti, iva nechokwadi chekuti uchengetedze nhoroondo yako yakavharika, yakashanda, uye yakamira zvakanaka kuti urege kurasikirwa nemubairo wako.
Best Travel Credit Cards
Kune zvakawanda zvekuenda makadhi emakadhi ekusarudza kubva uye kuenzanisa vose zvinogona kutora maawa. Pasi pane urongwa hwemhando dzakanakisisa dzekufambisa makadhi emakadhi emakadhi, akabatanidzwa muzvikamu zvakasiyana.
Most Flexible Redemption
Barclaycard Inosvika Plus World Elite Mastercard
Top Benefits:
- Bhokisi guru rekunyora
- Mafungiro ekudzikinura akasiyana-siyana
- Free online FICO chikamu
Dzimwe makadhi emakadhi anoita zvibvumirano zvekuti ungakwanise sei kuregera mubairo wako, semuenzaniso wekugara kwehotera. Bharclaycard Inosvika Plus World Elite MasterCard inokubvumira kuti udzikinure mibairo yeshoko rechikwereti kune chero rudzi rwekufamba chero bedzi kutenga kwako kwakagadzirwa mukati memakore makumi maviri ekupedzisira.
Iwe uchawana mamiriyoni makumi mashanu emabhonasi paunoshandisa $ 3,000 mumazuva ekutanga 90. Iyi bonus yaK 50K inokodzera $ 500 statement chikwereti.
The Arrival Plus World Elite MasterCard inoratidzira 2 nharo pazvinhu zvose zvakatengwa. Vakawanda vanoenda makadhi emakadhi ane purogiramu yemubairo inobhadhara iyo inopa mibayiro yakawanda yekutengesa kutengesa. Ne makadhi aya, kuwedzera mibairo kunoda mamwe mafambiro. Iyi mibairo yakazara yakagadzirwa inoita kuti zvive nyore kunzwisisa kuti ingani mibairo yako yako yaunotenga ichawana.
Pamusoro pemipiro yaunowana pakutenga, iwe uchawana 5 muzana inodzokorora zvakare nerudzikinuro rumwe. Kununura mamiriyoni 50 000 kunobvumira kuti uwane 2 500 mabhonasi. Iwe unogona kushandisa mibairo yako kune yako inotevera kuregererwa.
Iwe unogona kuregera mubairo wako wemari kana yekutengesa, asi mibayiro haifaniri kukosha kana iwe uchidzikinura nenzira iyi.
Imari ye $ 89 yegore negore inodzingwa mugore rokutanga uye hapana kune imwe nyika yekubhadhara mitero.
Dhiyabhorosi : Mubayiro wakazara wehurongwa unoreva kuti hapana nzira yekuwedzera mibairo kunze kwekuita kuregererwa.
Best Nhamba Yese Yegore Rokubhadhara Rwendo Rwokukwereta Kadhi
BankAmericard Travel Rewards Card
Top Benefits:
- 20K mabhonasi mapeji
- Flexible redemption
- Kwete mari yegore negore
Mazhinji emakadhi ekukweretesa akakwira mutengo wegore negore, kunyanya mugore rechipiri uye gore rimwe nerimwe shure kwaizvozvo. Kana uri kutsvaga kadhi rechikwereti rekufamba iyo ichapa kukosha kwegore negore pasina yebhadharo yegore negore, tarisa kwete kupfuura BankAmericard Travel Rewards Card.
Gamuchira mapeji emabhonasi makumi maviri nezviuru kana ukaita $ 1 000 mukutenga mumazuva ekutanga makumi 90 ekuvhura account yako. Imari inoshandiswa yakaderedzwa ichienzaniswa nemamwe akawanda makadhi emakadhi emakadhi, mamwe ayo anoda $ 3,000 kana $ 4,000 yekushandisa panguva imwechete. Makero ako emaji 20K anogona kuregererwa kwe $ 200 statement chikwereti pamusoro pekutengesa kutengesa kunoitwa pakadhi rako rechikwereti.
Zvaunotenga zvinowana zvisingagoneki 1.5 nhamba yedhora rose raunoshandisa pane zvose zvinotenga. Iwe unogona kuwana mimwe mibayiro yekutenga kana iwe uine dzimwe mabhizinesi eBankee America. Semuenzaniso, kana uine Bhuku reAmerica rinotarisa kuongorora kana kuchengetedza kambani yekuchengetedza, uchagamuchira 10 muzana yevashandi bhodhi pabasa pazvose zvaunotenga. Uye, kana iwe uri Bhizinesi reAmerica Unofarira Makomborero muchengeti, bhonasi yako inogona kuwedzera kusvika pa25 muzana kune 75 muzana zvichienderana nehuwandu hwekubatsira kwako.
Kune zvakawanda zvakajeka mukudzikinura mibayiro yako sekuwana mari. Shandisa kadhi yako kuti uite mafirimu, zvino udzikinure mapepa ako chechirevo chekwereti. Iwe hausi kurega kune mamwe mawebsite kana mazuva uye pfungwa dzako dzinogona kushandiswa kune dzimwe ndege, mahotera, mazororo, mapurisa, motokari dzinotora, kana kuti mitero yemitoro.
Hakusi chete chete kune mari yegore negore, panewo mari yekutengeserana kwenyika kunze kwekutenga kwaunoita mune dzimwe mari.
Zvinyorwa : Bhizinesi reBanAmericard Travel Rewards rine bhaasi rezasi yokunyora kupfuura dzimwe dzakawanda dzekwereti makadhi. Zvechokwadi, kadhi hainawo mari yegore negore, saka pane zvimwe zvebhizimusi. Iyo purogiramu yakajeka yepurogiramu inoita kuti zvive nyore kuziva zvaunowana, asiwo zvinowedzera zvakaoma kuwedzera mibairo kunze kwekuti iwewo une Bank yeAmerica kuongororesa kana kugadzirisa kero.
Yakanakisisa yeImbai Yekugara
Starwood Preferred Guest Credit Card Kubva kuAmerican Express
Top Benefits :
- 5x Nyaya dzeNyeredzi dzakawanikwa pahotera dze Starwood
- Mvumo yekuendesa pfungwa kumakiromita emakiromita
Ne Starwood Preferred Guest Credit Card kubva kuAmerican Express, unowana 25000 ma Starpoints bonus mushure mekushandisa kadhi yako kuita $ 3,000 mukutenga mukati memwedzi mitatu yekutanga yekuzarura kadhi rako rechikwereti.
Zvichienderera mberi, iwe uchawana 5 Starpoints pamusoro peholl yega yaunoshandisa pahotera dze Starwood, 2 Starpoints per dollar pane yakakodzera Marriott Rewards hoteli uye 1 Starpoint per dollar pane zvimwe zvose. Kana uri kugara mune zvakawanda zve Starwood kana Marriott properties, iwe uchange uine mukana wekuwana zvakawanda zve Starpoints. Kana zvisina kudaro, unongowana imwe Starpoint yedhora rose raunopedza.
Dzorerai ma Starpoints ako mahara usiku huno pa Starwood nzvimbo kusanganisira St. Regis, W Hotels, Westin, Four Points by Sheraton, The Luxury Collection, Aloft, Sheraton, uye Tribute Portfolio. Iwe unogona kunge uchibhadhara mutero webasa kune mamwe mahotera uye nzvimbo dzekugara.
Iwe unogona kutora Starpoints yako mumhepo makiromita uye udzikinure nokuda kwezvikepe zvepachena pane mapurisa anopfuura 150. Pfungwa dzinogonawo kuendeswa kune dzimwe ndege dzenguva dzese dzinowedzera mapurisa, kunyanya pane imwechete imwe chete. Iwe uchagamuchira bhizinesi 5,000 Starpoints paunotumira 20,000 nhovo kune purogiramu inowanzobuda yepurogiramu.
Kune $ 95 mari yegore negore yakasunungurwa mugore rokutanga uye hapana mari yekutengeserana kunze kwenyika inowirirwa kana ukashandisa kadhi yako kutenga zvigadzirwa mune dzimwe mari.
Zvimwe zvacho : Kadhi rino harifaniri kukosha zvikuru kunze kwekuti iwe ugare mu Starwood kana Marriott dzimba kazhinji. Iko bhonasi yekutanga inenge yakaderera kune kadhi rechikwereti iro rinopa mari yegore negore. Iwe unogona kusakwanisa kuwana bhonasi kana wakagamuchira imwe bhonasi pane imwe American card credit card.
Chikuru cheBhonasi
Chase Sapphire Reserve
Top Benefits :
- Bhokisi guru rekunyora
- Gore negore kufamba chikwereti
The Chase Sapphire Reserve ine imwe yemabhonasi makuru ekubvisa chero kadhi rechikwereti - kufamba uye zvimwe. Makomborero emakadhi ane makadhi makumi mashanu emabhonasi mushure mekunge asangana nemari inoshandiswa ye $ 4,000 mumwedzi mitatu yekutanga. Ikoji yeC50K inokwana $ 750 kuenda kune imwe nzvimbo kana iwe uchidzikinura pfungwa dzako kuburikidza neChase Ultimate Rewards.
Iwe uchawana zvikamu zvitatu pamadhora paunofamba uye uchidya zvekutenga uye 1 nhamba pamadhora pane zvimwe zvose. (Mamwe makadhi emakwereti ane tiered point system anobhadhara mibayiro shoma pakudya.)
Nharo dzako dzinokwana makumi mashanu kubva muzana paunenge uchishandisa kuverenga mafirimu kuburikidza neChase Ultimate Rewards. Saka, zvikamu makumi mashanu zvebhonasi zvinokwana makumi manomwe nemakumi manomwe.
Chase Sapphire Reserve ine zvimwe zvakawanda zvinoshamisa: $ 300 gore roga roga chikwereti richakurumidza kubhadhara iwe nokuda kwezvaunenge watenga zvawakakwereta kadhi rako.
Gamuchira $ 100 yemari yekubhadhara chikwereti cheGlobal Entry kana TSA PreCheck, mapurogiramu anokubvumira kuti uende mudhipatimendi rekukurumidza. Iwe unofanira kushandisa Chase Sapphire Preferred Reserve Card yako kuti upedze kushanda uye kuripa mari. Wana mamwe mashoko pamusoro purogiramu yeGlobal Entry, inoshandiswa nevatengi veUnited States uye Border Protection, nekuenda ku globalentry.gov. Kuti uwane mamwe mashoko pamusoro peTSA PreCheck, inoshandiswa neU.S. Transportation Security Administration, shanyira zve.gov.
Tsvaga Kukosha Pamberi Pfuura Sarudza nhengo yako ichikupa kusvika kune 900+ airport lounges.
Kana iwe wakatsvaga mapepa nedzimwe hotera kana mapurisa ehurumende iwe unogona kuunganidza mibayiro yako yekubatsira kukuru. Chase inopa 1: 1 nhotera kuendesa kunotungamirira ndege uye mapurogiramu ekuvimbika kwehhotela.
Pane mari ye $ 450 yemari yega wekutanga wekadhi uye imwe $ 75 yega yega yega yega yega yakashandiswa nemushandi. The Chase Sapphire Preferred Reserve haina kukweretesa mari yekubhadhara kune dzimwe nyika.
Dhigiridziro : Imari ye $ 450 yegore inodhura uye inoda kubhadharwa mumwedzi wokutanga wekuti kadhi rechikwereti rirege kuchengetedza uye kurega kukanganisa kukosha kwezvipo. Iwe haugoni kukodzera kubhonasi kana wakagamuchira rimwe bhonasi kubva ku Chase mukati memwedzi 24 yapfuura.
Inonyanya kukosha kukosha
Tsvaka Safiri Inofanirwa
Top Benefits :
- Bhokisi guru rekunyora
- Iko kodzero yekuendesa zvipo kune mamwe mapurogiramu
New Chase Sapphire Inofanirwa nevaridzi vemakadhi vanowana 50 000 mapepa emabhonasi mushure mekushandisa $ 4,000 pakutenga mukati memwedzi mitatu yekutanga kwebhuku. Bhatusiti yaK 50K inokwana $ 625 mukufambisa kana iwe uchidzikinura kuburikidza nechigadziro chekuchengetedza Chase, Chase Makomborero Ekupedzisira. Iwe unogona kuwana mamwe mabhiriyoni mashanu emabhonasi kana iwe uchinge wakagadzirisa unyanzvi uye uchitenga yako yekutanga kutenga mukati memwedzi mitatu yekutanga kwebhuku.
Iwe uchawana mahwena maviri pakufamba uye uchidya paresitorendi uye imwe nhamba ye dollar pane zvimwe zvose. Mibairo yako inokwana 25 muzana yepamusoro apo iwe unovadzikinura kuburikidza ne Chase Makomborero Akakosha. Izvozvo zvinoreva kuti zvikamu makumi mashanu zvebhonasi zvinokwana 62,500.
Hapana misi yakasviba kana zvigadziro zvechigaro kana uchishandisa mibayiro yako yekuverenga mafirimu.
Iwe unogona kuita 1: 1 point inotumira kune chero chevamwe vaChese vaifamba nadzo vanofambisa iyo inosanganisira Southwest , Marriott, uye British Airways.
Mari ye $ 95 yegore negore inodzingwa mugore rokutanga. Iko hakuna mvumo yekubhadhara kune dzimwe nyika inowanikwa paChase Sapphire Preferred Card.
Zvimwe zvinoshandiswa : Zvimwe zvacho hazvina kufanana neChase Sapphire Reserve, asi inofanirwa ichiri chikafu chekare chekwereti kadhi rechikwereti, kunyanya kune vatengi vanofarira kuti vasabhadhara mari ye $ 450 gore negore. Kufanana neChase Sapphire Reserve, unogona kungogamuchira zvikwereti zvebhonasi kana usina kuwana rimwe bhonasi kubva ku Chase mukati memwedzi 24 yekupedzisira.
Zvinonzwisisika: Mashoko emakadhi ekubhadhara anowanzochinja. Enda kune webhusaiti yekwereti yemari yekwereti kune yakawanda kusvika kune misi mibairo nemashoko ekukosha.