Wana mibairo kubva munzvimbo dzaunoda kutenga
Chengeta makadhi emakwereti akabatanidzwa nechitoro chechitoro uye dzimwe nguva zvivako zvehanzvadzi zvine kambani imwechete. Chengeta makadhi emakwereti akakupa kukwanisa kuunganidza zvipo zvaunogona kushandisa kune ramangwana rekutenga. Mamwe makadhi emakadhi emakadhi anopawo zvikwereti zvakasiyana-siyana zvekubhadhara zvinokubvumira kuti ubhadhe chikoro chako munguva.
Ramba uchifunga kuti mari yakakosha muchechi makadhi emakadhi anowanzoreva kuderedza kufarira. Iwe unofanirwa kubhadhara chikwereti chako chakakwana munguva yakatarwa yekubhadhara, zvisinei, iwe uchatorwa nekutorazve kufarira kufambidzana kufambidzana kubva musi wawakatanga kuvhura akaunti yako.
Paunenge uchisarudza kadhi rechikwereti rezvitoro, tarisa mahomwe uye zvikwereti, mari yepamusoro, chikwata chekuda, uye kukwanisa kwako kushandisa kadhi rechikwereti kutenga kunze kweropa iroro.
01 Zvakanakisisa Zvokufuka: Gap Visa
Isa chikamu cheGap Visa uye uwane 20 muzana kubva pakutenga kwako kwekutanga paIndaneti uye kutumira pachena. Sezvo Gap Visa ichinyorwa chechikwereti kadhi rechikwereti, zvinoreva kuti rakabatana nekakadhi kadhi rechikwereti yekugadzira, iwe unogona kuishandisa kunze kweGap mabhizimusi kupi uko Visa kadhi yemakadhi inogamuchirwa.
NeGap yako Visa, iwe uchawana mazano mashanu e $ 1 imwe neimwe yakashandiswa muGAP, Old Navy ne Banana Republic; uye 1 nhamba ye $ 1 imwe neimwe yakashandiswa kune imwe nzvimbo. Iwe uchagamuchira $ 5 mubairo wezvikamu zvese 500 zvaunowana. Kunyanya kunakidzwa nekuwedzera kwe10 muzana kubva zuva rega roga iwe unotenga paGap uye Gap Factory mashamba, mazuva ekutenga mabhizimusi, pamwe nechipo chinokosha pazuva rako rokuzvarwa.
Mushure mekunge mawana zviuru zvishanu mugore rekarenda, iwe uchasimbiswa kuGap Silver mamiriro ayo anokupa 20 kubva muzana yebhonasi Makomborero ekubhadharwa, kusununguka kwekutengesa kwekutenga pasina hutengo hutenga hunodiwa, hurumende huru kuchinja kweBana Republic kutenga nekusvika ku "Sarudza Wakatengesa Zuva Rako. "
Mitengo Inokosha : APR ndeye 25.74 muzana uye hapana mari yegore negore.
02 Best for Toys: Toys "R" Is MasterCard
Kana iwe kazhinji uchitenga zvematayipi kana zvinhu zvevana, Toywa "R" Isu MasterCard ndeyekuti tive nehomwe muhomwe yako. Sezvo iri MasterCard, unogona kuishandisa chero kupi zvako MasterCard inogamuchirwa, ichikupa kukwanisa kuwana mimwe mibayiro yekutenga kwako.
Paunenge uchitsvaga kambani iri paIndaneti, iwe uchava nemukana wekugamuchira 15 kubva muzana kubva pakutenga kwako kokutanga kana mari yakakosha (pakutenga kupfuura $ 299). Mari inokosha inokupa iwe sarudzo yekubhadhara yako kutenga nguva yakawanda uye usabhadhara chero chido.
Iwe uchawana zvikamu zviviri pamadhora e Toys "R" isu nevana "R" Isu tinotenga uye imwe pfungwa ye $ 4 yose yakashandiswa pane MasterCard kutenga. Iwe uchagamuchira $ 5 mu "R" Us Reward Dollars yezvipi zvese 125 pfungwa dzaunowedzera.
Mitengo Inokosha : APR ndeye 26.99 muzana uye hapana mari yegore negore.
03 Best For Electronics: Best Buy Credit Card
Iyo Yakanakisisa Kutenga Credit Card inokubvumira kuti uwane mibairo yaunogona kushandisa mune ramangwana Best Purchase kutenga. Kana, nekutenga zvimwe, unogona kusarudza mari yakakosha inokupa kushanduka kwekubhadhara kutenga zvenguva.
Tora 10 muzana zvakare mumubairo pakutenga kwako kokutanga. Sarudza pakati pe5 kubva muzana zvakare mumubairo kana kushandiswa mari mari. Kana iwe uri pamusika kune magetsi makuru kana michina, Best Buy Credit Card yakanakisisa yekuwana mibairo kana kuputsa kutenga kwako mubhadharo uye usabhadhara chikwereti.
Nguva yakareba yekubhadhara mari yakasiyana inobva pakutenga kwako: kutenga $ 199 uye kumusoro kuwana mwedzi mitanhatu yekubhadhara mari; inotenga $ 399 uye ichikwanisa kuwana mwedzi 12 mari yakakwana; kushandiswa kukuru kwekutengesa kunowana mwedzi gumi nemasere ekubhadhara mari.
Mitengo inokosha : APR inogara iri 26.49 muzana uye hapana mari yegore negore.
Best for Fast Shipping / Online Shopping: Amazon Prime Store Card
Iko Amazon Prime Store Card inobhadhara mazana mashanu kubva mumari shure kwezvose zvinotenga pa Amazon.com. Kunyanya neAmerica Prime yako (inotarisirwa kuti uwane kadhi), iwe uchanakidzwawo nokutakura kwemazuva maviri pane zvose zvakakodzera kutenga.
Iwe uchange uinewo sarudzo yekusarudza pakati pezvishanu kubva muzana yemari yakadzoka kana mari inokosha pakutenga kune imwe chiyero. Kutenga kudarika $ 149 kunokodzera mwedzi mitanhatu yekubhadhara kwakakwana uye $ 599 kana kupfuura inokodzera kwemwedzi gumi nemari yakakosha mari. Zvimwe zvinhu zvinokodzerwa nemwedzi 24 yekubhadhara mari. Kana iwe uchikwanisa kubhadhara chikwereti zvachose mukati memazuva makumi matatu, zvikamu zvishanu zvemari yakadzoka inowanzova mutengo uri nani.
Ramba uchifunga nezve Amazon Prime Store Card inogona kushandiswa chete pa Amazon.com, iyo haisi iyo chinhu chakaipa kuongorora Amazon yakawanda sarudzo yezvigadzirwa. Kana iwe ukashandisa mari inodarika $ 2,000 muAmerica inotenga gore, zvikamu zvishanu kubva muzana zvichakubvumira kuputsa kunyange kuUtungamiri hwako huri $ 99 pagore.
Mitengo inokosha : The APR ndeye 25.99 muzana uye hapana mari yegore negore.
05 Best for Everyday Shopping: Target REDCard
Mazana mashanu ekudururwa anopiwa ne Target REDCard akaoma kurova. Vanotsvaga vanotora vanogona kuwana mazana mashanu kubva mukutengesa pane zvese zvezuva rega rega zviri mu-rekutsva uye nekutengesa kwepaIndaneti zuva rega rega, kunyange pa-store store ye Starbucks. Izvo zvinoshandiswa zvinowanzoshandiswa kutenga kana iwe uchizviita - haufaniri kuunganidza zvipo kana kutendeukira kune zvipi zvitikiti zvekubhadhara kuti uwane rubatsiro. Iwe uchazobvuma kutumirwa pachena pane zvinhu zvakawanda zvinotengeswa paTarget.com.
Pane zvikamu zvishomanana zvekutsvaga kwekutenga, kusanganisira asi kusingakwanisi ku: mitemo, makiriniki paTarget and Target Optical maziso ekuongorora, makadhi emakadhi uye makadhi ekubhadharwa, uye zvipfeko zvechipo pa Target.com.
Uchawana mamwe mazuva makumi matatu ekudzorera zvinhu zvawakatenga pa Target uye Target.com. Cherechedza kuti kune bhadha yebhadhiro yeCharget REDCard iyo inobatanidza kuongororo yako yekuongorora uye zvikwereti zvinotenga zvakananga kubva kubhuku rako. Zvechokwadi, nehurukuro yemadhidhiji, hapana chido chokuzvidya mwoyo uye iwe haufaniri kutora chikwereti pane chero kadhi rekwereti rechikwereti.
Mitengo Inokosha : The APR ndeye 23.90 muzana uye hapana mari yegore negore.
06 Best for Excellent Credit: Macy's American Express
Ne Macy's American Express, iwe uchachengetedza makumi maviri kubva muzana kubva pakutenga iwe unoita zuva raunoshandisa akaunti yako uye zuva rakatevera rekuchengetwa kwemazana kusvika ku $ 100. Nemhaka yokuti kadhi yakabatanidzwa neAmerican Express, unogona kuishandisa chero kupi zvako American Express inogamuchirwa. Iwe uchawana mazano mashanu yedhora rose rakashandiswa pane kadhi rako rechikwereti uye unogamuchira $ 10 muNyenzi Mari kana uchinge waunganidza 1000 points. Izvo zvinoshanda kusvika ku $ 10 mumubairo we $ 200 yose yakashandiswa pane yako kadhi rechikwereti.
Macy anotumira vatori vemakadhi avo vechikwereti Star Star. Izvi zvinopa iwe kukwanisa kuponesa 25 muzana pane zuva ripi neripi raunosarudza chero bedzi iwe uchishandisa Macy yaAmerican yekutenga kwako.
Kutenga kwako kunogona kukubatsira kuti uwane Gorosi nePlatinum uye uwane ruzivo rwemimwe mibayiro. Vose Goridhe uye nhengo dzePlatinum vanowana rusununguko rwakakwana rwekutumira kune Macy inotenga. Nhengo dzePlatinum dzinowana zvikamu zvishanu kubva muzvikwereti zvisingawaniki.
Mitengo inokosha : The APR ndeye 26.49 muzana, mutengo wekutengeserana kune dzimwe nyika inenge chikamu chetatu chekutengesa, uye hapana mari yegore negore.
07 Best for Furniture: Pottery Barn Credit Card
Pottery Barn Credit Card ine imwe yezvikomborero zvakakwirira zvekadhi rechikwereti, kadhi rechikwereti chezvitoro uye zvimwe. Izvo zvinewo chidimbu chechikwereti chechikwereti, ichienzaniswa nedzimwe makadhi ematokari ezvitoro.
Ne Pottery Barn Credit Card, iwe uchawana 10 muzana kumashure mumubairo pane zvose zvaunotenga paPottery Barn, Pottery Barn Kids kana PB teen. Mugore rose, iwe uchange uine mikana yekuwana mibayiro miviri. Gamuchira $ 25 mubhadharo wemari ye $ 250 yose yaunopedza pane yako kadhi rechikwereti. Iwe unofanirwa kushandisa mibairo yako mazuva 180 kubva panguva iyo chipo chekubhadhara chakapiwa. Zvinyorwa zvisina kushandiswa izvo zvisina kuisa mubhadharo wemubairo zvinopera mushure memwedzi 36.
Kana iwe ukatenga kutenga kudarika $ 750, iwe uchange uine sarudzo yekusarudza pakati pe10 muzana mumubairo kana mwedzi 12 mari yakakosha. Tora mibairo kana uchikwanisa kubhadhara chikamu pakarepo - iwe uchabuda zviri nani munguva refu.
Mitengo inokosha : The APR ndeye 17.99 muzana uye hapana mari yegore negore.
08 Best for Home Goods: Overstock Store Card
Kana iwe unonakidzwa nokutenga paIndaneti kwezvinhu zvekugadzirisa pamba pamba pakaderera, The Overstock Store Card ingave iyo kadhi yaunoda. Kana uchinge wabvumirwa, uchagamuchira 10 muzana kubva pahutano hwako hwekutanga uye mukana wekushandisa zvakadai pasina-rubatsiro rwekubhadhara kwemwedzi inenge 24, zvichienderana nekutenga kwako. Iko kutanga kwekutsvaga hakushandisi kune zvinobudiswa zvino uye zvinokwana $ 5,000.
Iwe uchange uine sarudzo yekusarudza mari yakakosha pakutenga kunyange mushure mekunge mazarura account yako. Kushandiswa kwemazuva mashoma kwemwedzi mitanhatu ndeye $ 249; Mwedzi 12 ndeye $ 499; Mwedzi 18 ndeye $ 1,499; Mwedzi 24 ndeye $ 1,999.