Ive pfungwa yakanakira kunyora chimwe chekadhi idzi
Mari inoshandiswa nemari yekwereti inogona kuita kuti zvive zvakaoma kubhadhara mari yakawanda. Pazvikwereti zvikwereti zvemakadhi, kufarira kusingabatsiri kubatsirwa kwemipiro yawakagamuchira. Nenzira yakanaka, vazhinji vane kadhi rechikwereti vanopa zvikwereti zvekwereti makadhi emakwereti anokubvumira kuti usabhadhara chikwereti chekutenga kana kutengesa kushandiswa kana zvose. Iwe unogona kushandisa zvakadai izvi pasina chikwereti zvemakadhi emakadhi ekubhadhara kutenga kukuru pasina chidimbu kana kutumira chikwereti chekuda kwehuwandu.
Nzvimbo dzakanakisisa zero pamakadhi emakadhi ane nguva yakareba yehutari, pasina mari yebhayari inotamiswa kana kupa chikwata chekutsvaga kune zvose zviri zviviri kutengesa nekutenga. Iwe uchawana zvishomanana zvemarudzi ose pane zvatakanyorera zero yakanakisisa yekwereti makadhi emakadhi.
01 Zvakanakisisa Zvisina Chengetedza Kutengesa Mari: Sse Slate
Kuenzanisa mari yekubhadhara pamiganhu mikuru kunogona kutengesa. Kana uri kutumira chikamu chikuru, Chase Slate ndiyo nzira yakanakisisa yekugadzirisa mari yekuendesa chikamu. Sse Slate haatengesi mari yekubhadhara mari pamarikeri inotamirwa mukati memazuva 60 ekutanga kokuzarura account yako. Maharuro akatamirwa mushure mememazuva makumi matanhatu ekutanga anotengesa mari ye5% kana $ 5, chero ipi zvayo.
Kutenga uye kuenzanisa kunoendesa vose vanowana zero muzana inofarira kwemwedzi gumi nemashanu kubva pakubhadharira kwekugadzira. Mushure mezvo, APR inogara ye15,99 kusvika 24.74 muzana inoshanda. Hapana chechipiri APR uye kwete mari yegore negore.
02 Best for Long Pure Promotional Period: Citi Simplicity
Paunowana chinhu chakanaka, unoda kuti chigare kwenguva yakareba sezvazvinogona. Uye ndizvo chaizvo zvaunowana neCiti Simplicity - mwedzi 21 pasina chido chekutenga uye kutengesa kuenzanisa. Icho chava makore maviri asina chido. Mushure mokunge zero muzana yezvibereko inopera, APR inogara iri 15.24 kusvika 25.24 muzana, zvichienderana nekodworthiness yako.
Kana iwe ukatora mukana wezera reZero muzana wekutengesa kubhadharwa, iwe uchabhadharwa $ 5 kana matatu muzana yemari yako sebhaari yekubhadhara mari. Hapana hutori hwekupedzisira, hapana chirango chekutengesa uye hapana mari yegore negore. Chimwe chikwereti: iwe unosarudza kusarudza iwe pachako kubhadhara musi wako wekubhadhara kuitira kuti kubhadhara kwako kunokonzerwa nenguva yakanakisisa yekuti iwe uye yako mari.
03 Best for Rewards Rewards: BlueCash Daily Day Card kubva kuAmerican Express
Bhuku rinonzi BlueCash Daily Day kubva kuAmerican Express rinopa mari mibairo pakutenga uye ine zero muzana yekutanga APR inokutengesa kutengesa uye kutenga kwemwedzi 15 yekutanga - pasina mari yegore negore. Mushure mekunge nguva yekutanga yatopera, APR inosvika 14.24 kusvika 25.24 muzana. Kana ukashandisa kadhi rechikwereti kuti uwedzere mari yakaenzana, iwe uchabhadhara mari ye $ 5 kana matatu muzana yekutengesa.
Kutenga kwako paBlueCash Everyday Card kunowana mubayiro. Iwe uchawana mazana matatu kubva muzana mari kumashure muzvitoro zvomuU.S. kusvika kune $ 6,000 pagore; zvikamu zviviri kubva muzana kubva mumari yeUnited States uye kusarudza dhipatimendi re US uye imwechete yepfuma mari yakadzokera pane zvimwe zvose. Gamuchira $ 150 mari zvakare apo iwe unoshandisa $ 1 000 pane yako kadhi rechikwereti mumwedzi mitatu yokutanga yekuvhura account yako. Kuenzanisa kwekufambisa hakurevi kutarira kubhadhara mari yekushandisa.
04 Best Best Customer Service: Zivonei
Tsvaga nguva dzose inogamuchira zvikwereti uye mibairo yebasa rayo. Ndiyo imwe chete yezvinhu zvinoita Kuti Zvione kuti ndiyo imwe yepamusoro yepuro peresiti yemakadhi emakadhi. Zero muzana inotanga APR inoshandiswa kune zvose zviri kutenga uye kushandiswa kwemari kwemwedzi gumi nemana. Pashure pacho, APR inogara iri 11.99 kusvika 23.99 muzana. Mari yekubhadharisa mari iri paDzidza ndeyechitatu muzana.
Iwe unogonawo kuwana mubairo pane zvaunotenga. Kusvika ku $ 1,500 mukutenga mune zvimwe zvikamu zvinowana zvikamu zvishanu mubayiro. Izvo zvikamu zvinotenderera kukota kwega roga, kazhinji zvichienderana nekutenga kwemwaka. Iva nechokwadi chokuti iwe unyoresa kune zvikamu zvishanu zvemubairo kuitira kuti utange kutanga kuwana pakutanga kwekota. Zvose zvinotenga zvinowana imwe peresenti yemari shure. Tsvaga zviri nyore kuenzanisa mari kumashure kumagumo egore rokutanga kune vose vatsva vadhidhidhi.
Iwe uchawana zvimwe zvishoma zvinowanikwa neAkazviona. Chikamu chepachena cheFICO chinosanganiswa nemashoko ako ose emwedzi ekubhadhara. Kunyanya, Kuisunungura kuri / kuvhara shanduro kunokubvumira kuti uende uye usapinda kuwana kadhi rako rechikwereti kuti udzivise mhaka dzekunyengera.
05 Best for Travel Rewards: CapitalOne VentureOne
Iko Capital One Venture igadziro-yekutambira mubayiro wekwereti kadhi rechikwereti iyo inopa zero muzana mubereko wekutenga pakutenga kwemwedzi gumi nembiri yekuzarura akaunti yako. Maruva anogara ari 13.24 kusvika 23.24 muzana.
Iwe uchawana zvisingagumi 1.25 makiromita pamadhora pazvinhu zvose zvaunenge watenga pane yako kutenga kadhi rechikwereti. Vatsva vadhidhidhi vane mukana wekuwana mabhiriyoni makumi maviri emabhonasi mushure mekunge maipedza $ 1 000 pamakadhi enyu ekwereti mumwedzi mitatu yekutanga yekuvhura account yako. Iwe unokwanisa kudzikinura makamera semutemo wemari kune chero marwendo ekutenga unowedzera pane yako kadhi rechikwereti. Iwe unogona kuwana nhamba dzisingagumi yemigumisiro uye mibayiro yako haigari kupera chero bedzi akaunti yako ichichengetwa zvakanaka.
06 Best for Low Interest Rate Mushure mekusimudzira: US Bank Platinum Visa Card
Iko US Bank Platinum Visa Card inopa zero muzana yekutanga APR pamatenga uye kutengesa kuendeswa kwekubhadhara 18 maitiro. Pashure pacho, APR ndiyo 11.49 kusvika 23.29 muzana. Kadhi rinopa mamwe mashoma. Iwe unogona kusarudza zuva rako roga roga uye uwane rusununguko rwako rweTransUnion credit score.
Bhadhara musero wako wefoni nekadhi rako rechikwereti uye uwane rusununguko rwekuchengetedza foni kusvika kune $ 600 mukana wekuparara kana kuba. Coverage inoshandiswa kusvika pamatafura matatu uye iyo inobviswa ndiyo $ 25 chete. Iwe unogona kushandisa izvi kuti uwedzerane neshuwarisi yako yehutayimusi kana kuti bvisa shandisi yako yveshuwarenzi zvachose uye uchengetedze mari pane yako cell phone bill.
07 Best for Students: Bank of America Travel Rewards for Students
Bhizinesi reAmerica Kutarisa Makomborero yeKadhi rechikwereti rechikwereti rinopa zero muzana mutengo wekuda kwekutenga pakutenga kwekutanga kokubhadhara mabhiriji. IAAP inogara nguva dzose iine 15.99 kusvika 23.99 muzana.
Mukuwedzera pakunakidzwa kwekutenga kusingabatsiri kwegore, vadzidzi vanosarudza Bhizinesi reAmerica Travel Ropafadzo dzeVadzidzi vane kadhi rechikwereti vanowana mafambiro ekufambisa pakutsvaga zvakare. Zvichienderera mberi, vadzidzi vachawana peji 1.5 kubva kune imwe dollar inoshandiswa pakutenga. Uyezve, mune mukana wekuwana mazana emabhonasi 20 000 mushure mekushandisa $ 1 000 pakutenga mumazuva ekutanga 90 ekuvhura account yako. Bhonasi inogona kuregererwa kwe $ 200 statement chikwereti pamusoro pekutengesa kutengesa kunoitwa pakadhi rako rechikwereti.
Vadzidzi vanewo mari inoshingaira yeBan America yekuongorora kana kuchengetedza kwekodha vanogona kuwana mari yebhasiti yepfumbamwe pamubairo. Mipiro inogona kudzikinurwa pane imwe ndege yepamusoro kana kutengesa hotele chero nguva. Iwewo uchange uine ruzivo rwehuwandu hweFICO yako kuburikidza neBan of America's Mobile Banking purogiramu kana kuburikidza nekubhengi kwebhangi. Izvi zvinobatsira pamwe chete nevadzidzi vanotanga kuvaka zvikwereti zvadzo.