Une chikwereti chikuru chekwereti? Tarisa purasitiki yaunoda kuwana
Kuva nekodhi yakanakisa kunovhura nyika yekadhi yekwereti yekwereti - nemigumisiro inoshamisa, zvinotengeswa uye nguva yakareba yekurudziro yezvibereko inopiwa. Chikamu chakaoma hachina kuwana kadhi rakakura rechikwereti, kuri kuderedza zvisarudzo zvako kune imwe chete. Paunenge uchisarudza yakanakisisa kadhi rechikwereti rechikwereti chakanakisisa, tarisa mabhosi ekuisa mabhizimusi, zvinowanikwa uye mari yegore negore. Funga zvaunowanzoshandisa kushandisa mari yako nechinangwa chekadhi rako rechikwereti - sekuda kuwana mari yakawanda kumashure kana kubhadhara chikwereti chakanaka-chikwereti-kusarudza chakanaka. Unoda rubatsiro here? Verenga pamusoro kuti uone zvikwereti zvikwereti zvekwereti kuti zvikumbire kana iwe une chikwereti chakaisvonaka.
01 Best Mafambiro Okufambisa: Sisa Sapphire Unofanirwa
The Chase Sapphire Chinodiwa kadhi ndechekuti ndiyo yakanakisisa yekufambisa mubayiro kadhi rechikwereti kune vanhu vane chikwereti chakaisvonaka. Iwe unogona kuwana 50 000 mahoropu emabhonasi mushure mekushandisa $ 4,000 pakutenga mukati memwedzi mitatu yekutanga yekuzarura account yako (chero bedzi iwe usina kugamuchira rimwe bhonasi kubva ku Chase mukati memwedzi mitatu yapfuura). Bhonasi inokosha $ 625 paunodzikinura kuburikidza neChase Ultimate Rewards, Chase yekushandisa pakutsvaga paIndaneti.
Iwe uchawana mazano maviri yedhora rose raunoshandisa pakufamba uye kudya kwekutenga uye imwe pfungwa yedhora rose iwe unopedza kwose kwose. Zvose zvese zvaunowedzera zvinokwana 25 kubva muzana paunenge uchidzikinura kuburikidza neChase Ultimate Rewards. Kunyanya, iwe unogona kutora pfungwa dzako kune mapirogiramu ekupa mubayiro pamwe chete nehuwandu hwe1: 1.
Pamwe pamwe nebhonasi nemubairo, iwe uchave nekuwana mamwe mazendo akawanda ekufambisa inoshuwarenzi, kuenda kunonoka kubhadharwa, kubhadhara kusungira inshuwarisi nekutanga kwekugadzirisa kukanganisa kweiver. Iwe unofanirwa kubhadhara rwendo rwako (kana motokari yekubhadhara) nekadhi rako rechikwereti kuti uwane maropafadzo.
Mitengo inokosha : APR inogara iri 17.24 kusvika 24.24 muzana, iyo $ 95 yemari yegore inoshandiswa inodzingwa mugore rokutanga uye hapana mari yekubhadhara kune dzimwe nyika.
Kufarira kuverenga mamwe maongororo? Tarisa kutarisa kwedu shanduro dzekwereti dzakanakisisa nekanakisisa mafambiro ekufambisa .
02 Best Best Travel Rate Rewards: Capital One Venture
NeCheart One Venture kadhi rechikwereti, iwe uchawana mazana mazana emabhonasi maawa mushure mekushandisa iwe $ 3,000 pane kadhi rako rechikwereti mukati memwedzi mitatu yekutanga yekuvhura kwekaunti. Ndiyo imwe yemabhonasi makuru ekubvisa chero kadhi rechikwereti.
Zvichienderera mberi, iwe uchawana maira maviri pamadhora pazvose zvaunotenga. Izvo zvipfeko mubairo maitiro anoita kuti zvive nyore kutarisa mibairo yauchawana. Iwe haufaniri kuchinja kushandisa kwako mari. Unoda kuwana mibairo yakawanda pakutenga? Bhuku ne Hotels.com uye uwane makiromita gumi nemadhora apo iwe unobhadhara neCentral One Venture kadhi rechikwereti.
Mitengo inokosha : APR nguva dzose yekutenga uye kuendeswa kwemashure ndeye 14.24 kusvika 24.24 muzana. Mari ye $ 95 yegore negore inodzingwa mugore rokutanga uye hapana mari yekubhadhara kune dzimwe nyika.
03 Best Premium Credit Card: Platinum Card kubva kuAmerican Express
Platinum Card kubva kuAmerican Inorayira kubhadhara 60,000 Mitezo Mibairo Pamwe mushure mekushandisa kadhi rako rechikwereti kuita $ 5,000 mukutenga mumwedzi mitatu yekutanga.
Zvichienderera mberi, iwe uchawana Mamiriyoni Mitsva Makomborero eDhora rega roga raunoshandisa pahotera dzakakodzera iwe bhuku paimextravel.com uye pane dzimwe ndege dzaunonyora pamwe chete neyo ndege kana neAmerican Express Travel. Iwe uchawana imwe yenhamba pamadhora pane zvimwe zvose.
Vatori vemakadhi vanokwira kusvika ku $ 500 muUber chikwereti pamwe chete imwe $ 200 yemari yekubhadhara chikwereti gore negore inobatanidza zviitiko zvakadai sekubhadhara mitoro, mu--kuchimbidza kudya uye nemimwe mari inokonzerwa neimwe ndege yakakodzera inofanirwa iwe.
Mitengo Inokosha : Mari yegore negore ndeye $ 550. Iyi ikadhi rinotengesa, zvinoreva kuti iwe uchabhadhara bhadha yako yakazara mwedzi mumwe nomumwe uye usabhadhara chido.
04 Best Cash Back Card yemhuri: Blue Cash inosarudzwa kubva kuAmerican Express
Kukwanisa kuwana zvikamu zvitanhatu zvemari kumashure pamasitolo makuru eUnited States anoita BlueCash Everyday kubva kuAmerican ikadhi kadikiti yemhuri. Iwe uchawana mari yakawanda kune vose vaya vanotengesa magareta. Izvo zvikamu zvitanhatu mubayiro zvinowanikwa kune $ 6,000 mukutengesa kwepasiteteti. Iwe uchatorawo zvikamu zvitatu kubva muzana mari zvakare kumashure eUnited States uye sarudza dhipatimendi re US uye imwechete muzana mari yakadzokera pane zvimwe zvose.
Gamuchira $ 200 mari apo unoshandisa $ 1 000 pamakadhi ako ekwereti mumwedzi mitatu yokutanga yekuzarura akaunti yako. Zvinosuruvarisa, kuenzanisa kuwedzerwa hakurevi kutarira kubhadhara mari yekushandisa. Iwe unofanirwa kutenga zvigadzirwa kana uchida kuwana bhonasi.
The BlueCash Everyday Card kubva kuAmerican Inopa zero muzana yekutanga APR inotarisa kuendesa uye kutenga kwemwedzi 12 yekutanga.
Mitengo inokosha : APR inogara iri 14.24 kusvika 25.24 muzana. Mari ye $ 95 yegore negore inodzingwa mugore rokutanga.
05 Best Best Cash Back: Zivhura
Iyo Inowanikwa inobhadhara mazana mashanu emari kubva kumashure kusvika ku $ 1,500 mukutenga muzvikamu zvinoshandura kota imwe neimwe. Ingova nechokwadi chekuti iwe unyoresa paIndaneti kana kuti nemunhare yefoni kuti uwane mazana mashanu muzana. Zvose zvinotenga zvinowana imwe peresenti yemari shure. Sebhonasi yevatori vatsva, Discover ichakurumidza kuenzanisa nemari yakadzoka iwe yawakagamuchira pakupera kwegore rokutanga.
Iwe unogona zvakare kutora mukana wemwedzi 14 wemwedzi zero muzana wekutanga APR pamatenga uye kutengesa kutengesa.
Tsvaga zvakare inopa Kusunungura, iyo in / off off switch iyo inokubvumira kudzivirira kushandiswa kusina mvumo kwekadhi rako rechikwereti. Nyaya kuwana FICO yako chikoro pasina mwedzi mumwe nomumwe pane chirevo chako chekubhadhara.
Mitengo inokosha : Maruva anogara ari 11.99 kusvika 23.99 muzana. Hapana mari yegore negore.
Tarisa mimwe mhinduro dzedu dzepamusoro-soro mari-yemakadhi emakadhi anowanikwa pamusika nhasi.
06 Best for Balance Transfers: Sse Slate
Paunenge uchiendesa chikamu chikuru, mari yekubhadhara mari inogona kuwedzera. NeChese Slate, haungabhadhara mari yekubhadhara mari yebhaari pane imwe yero yekutengesa mumazuva ekutanga makumi matanhatu ekuvhura account yako. Mushure mezvo, mari yekubhadhara inosvika mashanu muzana yemari inoshandiswa kana zviduku zve $ 5, chero ipi zvayo yakakura. Pa $ 10 000 muyero, iwe uchachengetedza $ 500 chete nekuendesa chikoro chako nokukurumidza.
Iva nemafuta e zero yekutanga APR pamitengo uye kutengesa kutengesa kwemwedzi gumi nemashanu kubva pakubvumira kwekugadzira. Mushure mezvo, APR inogara ye15,99 kusvika 24.74 muzana inoshanda. Hapana chebhadharo yegore negore uye hapana chirango CHAP kana iwe uchinge usisipo mubhadharo.
Sekutsvaga kadhi kadiki, unogona kugara pamusoro pekwereti yako chikoro nekuwana kune imwe huru yeFICO chikamu mwedzi mumwe nomumwe, uyewo zvishanu zvinonyanya kukosha zvinokonzera chikoro chako.
Unoda mamwe rubatsiro kuti uwane chii chaunenge uchitsvaga? Verenga kuburikidza nehutano hwedu hwakanaka kutumira chikadhi chemakadhi .
07 Best Hotel: Starwood Preferred Guest Credit Card
Kana uri kutsvaga kadhi rechikwereti richabhadhara iwe mibayiro mikuru yekugara kwehotera, iyo Starwood Preferred Guest Credit Card inosarudza zvakanaka. Sezvo mutsva wekadhi, iwe unogona kuwana 25000 mapepa ebhonasi kana iwe ukaita $ 3,000 mukutenga mukati memwedzi mitatu yekutanga yekuzarura kadhi rako rechikwereti.
Zvichienderera mberi, iwe uchawana shanu Starpoints per dollar pakutenga pane zvakakodzera Starwood hoteli, maviri Starpoints per dollar pakutenga pavanobatana mahofisi eMarriott Mitsva uye imwe Starpoint per dollar pane zvimwe zvese zvakatengwa. Iwe unogona kuregera mubairo wako pamusoro pekugara pazvikamu zve SPG, izvo zvinosanganisira St. Regis, W Hotels, Westin, uye Four Points Sheraton.
Iwe uchagamuchira chikwereti kweusiku hutanhatu uye vaviri vanogara gore negore kuenda kune SPG mamiriro ekuremekedza. Iwe unogona kutotumira Starpoints kune anopfuura 30 ndege dzinowanzofambisa mapurogiramu - vamwe vanokutendera kuti uende kune imwechete imwechete.
Mitengo inokosha : The APR is 16,49 kusvika ku20,49 muzana pakutengesa, $ 95 mari yegore negore inodzingwa mugore rokutanga uye hapana mari yekubhadhara kune dzimwe nyika.
Unoda kutarisa pane dzimwe sarudzo? Ona mutungamiri wedu kune yakanakisisa yekodhi yemakadhi emakadhi .