Mipiro yakanakisisa yemakadhi emakadhi e 2017 akasarudzwa zvichienderana nebhonasi yekuisa mari, kuenderera mberi kwemubairo wezvikwereti, kusarudzwa kwekuregererwa, mari yegore negore , nezvimwe zvikwereti zvekwereti. APRs , kusanganisira kupikisa APRs yakanga isiri chinhu kubva pakubhadhara zvakakwana nekudzivisa kufarira zvachose ndiyo nzira yakakodzera yekudzidzira pamubairo kadhi rechikwereti.
Kana uri kutarisa kuwedzera mitsva yechikwereti kadhi rechikwereti chikwama chako chegore rino, tarisa urongwa urwu rwemakomborero akawanda emakadhi emakadhi pamusika ikozvino.
Mibairo Yakanakisisa yeCash Card: American Express Blue Cash inosarudzwa
Kadhi Yakakosheswa yeAmerican Blue Cash inopa $ 150 mubayiro kana ukashandisa $ 1 000 mumwedzi mitatu yokutanga yekuzarura kadhi rako rechikwereti. Zvichienderera mberi, kadhi rinoripira 6 muzana mari zvakare kumashure kwekutengesa zvipfeko, yakagadzirirwa pa $ 6,000 pagore. Ndiyo $ 360 mari zvakare mugore rimwechete kana iwe uchikwanisa kubhadhara mari iri munharaunda yega, iyo inogona kuitika kana iwe uchipedza mavhareji e $ 500 pane zvekudya mwedzi mumwe nomumwe.
Vashandi veKadhi vachawanawo 3 muzana mari yekudzokera kumagetsi uye vanosarudza dhipatimendi rekudyara muUnited States. Hapana muganhu wehuwandu hwemari shure iwe unogona kuwana mu 3%.
Zvimwe zvinhu zvose zvinotenga, kusanganisira nekutengeswa kwezvitoro kune $ 6,000 pagore, inowana 1 muzana cash back.
Kune zvishoma zvishoma zvekuwana mari zvakare ne Amex Blue Cash inofanirwa.
Zvitoro zvekutengesa hazvirevi kutenga zvakagadzirwa pazvitoro zvepamusoro uye zvivigiro zvekuchengetedza. Gas station inotenga haisi kusanganisira gesi kutenga zvigadzirwa pamasitetari, mashura makuru uye mabhizimisi ekuchengetedza. Iwe unofanirwa kutenga zvigadzirwa zvako pazvitoro zvezvokudya zvechokwadi uye zviteshi zvegesi zvinokonzera kuti uwane mibairo yakakwirira. Kana zvisina kudaro, kutenga uku kuchawana 1 muzana mubayiro mubayiro.
Mari inobhadharwa inobhadharwa muBlue Cash Reward Dollars muzvinyorwa zvemadhora makumi maviri nemashanu uye inowanikwa pose apo mubairo wako uripo unenge madhora makumi maviri nemashanu. Makomborero anogona kuregererwa senheteti yechikwereti icho chichaderedza chikamu chako chakanaka nekuwanda kwekuregererwa.
Kune $ 95 mari yegore inoshandiswa mugore rokutanga uye inogona kugadziriswa nyore nyore kana iwe ukashandisa kadhi rechikwereti yezvinhu zvako zvose zvekudya, gesi, uye dhipatimendi rebazi. Mugore rechipiri uye gore rimwe nerimwe shure kwaizvozvo, unofanirwa kupedza mari inenge $ 1,600 pane zvekudya gore roga rega kuti urege kuputsa mari ye $ 95 yegore negore.
American Express inouya nezvimwe zvikomborero zvakadai semotokari yekurasikirwa nekurasikirwa nemishuwarenzi, kuenda kwerinishuwarenzi yengozi, kumigwagwa yemugwagwa, rubatsiro rwakawedzerwa, kuchengetedzwa kwekudzoka, nekuchengetedzwa kwekutenga
Best 5% Cash Kubhadhara Makombodhi Kadhi: Chase Freedom
The Chase Freedom Credit Card inopa mari ye $ 150 yemari inobhadhara mari kana ukashandisa $ 500 pakutenga mumwedzi mitatu yekutanga yokuzarura akaunti yako.
Pane kubata: iwe unogona kuwana bhonasi yekunyora chete kana iwe usina kuwana bonus kubva ku Chase mukati memwedzi 24 yapfuura. Kana uchitova neKadhi rechikwereti, chengetedza zvirevo zvako zvekare kana kudana basa revatengi kuti uzive kana uye pakupedzisira wakagamuchira bhonasi yekunyora.
Vanotsvaga Vatori vemakadhi vanoita mari vanowana mazana mashanu emari kubva kumashure mune zvitsva zvakasiyana-siyana zvinotenderera kwekota imwe neimwe ne1 muzana pane zvimwe zvose zvekutenga. Kubva munaJanuary kusvika munaMarch 2017, semuenzaniso, vatori vemakadhi vanowana 5 muzana yemari kumashure pamagetsi emotokari uye kutengesa kunotengesa kutengesa. Mari inodzokorora pa 5% yekutengesa yakavharwa pa $ 1,500 roga roga. Kana wangozosvika pachikumbaridzo kutenga kunowana 1 muzana cash back.
Iwe unofanirwa kushanda yako 5 muzana yemari mitezo yekudzorera kwega roga roga kuti uone kuti zvakakodzera kutenga zvinhu zvinowana mari yakawanda yemari shure.
Iwe unogonawo kuchinja kushandiswa kwako kushandiswa kwega kwega roga kuti uwedzere huwandu hwe5% hwekushandisa mari.
Hapana muganhu wemigumisiro yaunogona kuwana, asi iwe unofanira kudzikinura zviduku zve $ 20 nguva imwe neimwe. Ruregerero rungagadzirwa sechinyorwa chekwereti, magetsi ekuisa mari yekuona kana kukwanisa kubhadhara, kana kuti makadhi emakadhi kana zvimwe zvingarudzo zvekuregererwa kuburikidza ne Chase Makomborero Akakosha.
Chese Rusununguko hauna mari yegore negore inoreva kuti iwe unogona kufara nezvinyorwa zvekadhi kwemahara chero bedzi iwe usingabhadhari zvimwe zvekuda kana mari.
Yakawanda Flexible Cash Kare Chikwereti Chekwereti: Capital One Quicksilver Makomborero
NeCheart One Quicksilver Makomborero kadhi, vashandi vemakadhi vanowana $ 100 bonus mushure mekushandisa $ 500 pakutenga mukati memwedzi mitatu yekutanga yekuzarura iyo. Kuenderera mberi, kutenga kunowana kuwana zvisingagumi 1.5 muzana mari zvakare. Izvozvo zvinoreva kuti hapana muganhu pane zvaunogona kuwana uye haufaniri kuchinja mari yako kuti uwane mari mune zvimwe zvikamu.
Makomborero haambofi uye anogona kuregererwa nokuda kwemari kare chero nguva uye chero ipi zvayo. Hapana mutero wegore negore uye hapana mari yekutengeserana kunze kwenyika kune Capital One Quicksilver Makomborero kadhi anokupa mukana wekunakidzwa nemubairo wako pasina kubhadhara mari ipi zvayo.
A flat-rate reward reward credit card yakanaka kune vatengi vanoshandisa mari munzvimbo dzakasiyana-siyana, vasingadi kubhadhara mari yegore negore, kana kuti vasingadi kushayiwa kuedza kuchengeta nekushandisa mari.
Inonyanya Kuvaka kana Kuvandudza Chikwereti: Ona Kuti Yakachengeteka
Zvikomborero zvakawanda zvekwereti makadhi anoda kuti iwe uve nekodzero yakaisvonaka yekukodzera. Tsvaga ine nzira yakanakisisa yevatengi vasina mari yakanakisisa yekwereti.
Zivone Izvo Zvakachengetwa murima 2 muzana mari inosvika kusvika ku $ 1 000 pamwe chete nekudya uye gesi kutenga uye 1 muzana mari yakadzokera pane zvimwe zvose. Sebhonasi, Ziva zvakafanana nemari yose yemari yaunowana mugore rokutanga nhoroondo yako yakazaruka. Hapana mhedziso pamari yemari yaunogona kuwana uye mibairo yako haigari kupera. Iwe unogona kuregera mubairo wako wemari (chirevo chekwereti) chero nguva, shandisa mibairo yako yekadhi dzechipo mu Discover Deals, kana kushandisa kunyange mubairo wako kune zvekutenga pa Amazon.com.
Hapana mari yegore negore paAkawana Chikamu Chekuchengeteka, asi iwe unofanirwa kuita chekuchengetedzwa kwekuchengetedza mari ye $ 200. Iko mari yacho inowanikwa kune makadhi ekodhi akachengetwa uye inochengetedza chikwereti chekwereti kune vashandi vemakadhi vasina kukwanisa kuwana kadhi rechikwereti.
A perk iyo inofadza vanhu vanoedza kuvakazve chikwereti chavo : Tsvaga inoshuma basa rako rekutevedzera kune zvitatu zvikwereti zvikwereti . Kuva neakawandisa iri mubhuku rako rekwereti richabatsira chikwereti chako chero bedzi iwe uchitarisira nhoroondo yako zvakanaka. Mushure mekunge mave neakaunti yako kwemwedzi minomwe, Discover ichadzorera kero yako nguva nenguva kuti uone kana iwe wakakwanisa kutenga kambani isingadyi kuchengetedzwa kwemari.
Best Travel Rewards Credit Card: Chase Sapphire Inosarudzwa
The Chase Sapphire Yakakosha kadhi rechikwereti ine rimwe remabhonasi makuru ekuisa mari yemakadhi ose emakadhi. Vatori vadhidhiyo vanowana 50 000 mahora bonus mushure mekushandisa $ 4,000 pakutengesa mukati memwedzi mitatu yekutanga yekuvhura kwekaunti. Bhonasi inokosha kusvika ku $ 625 kana iwe uchidzikinura pfungwa dzako kuburikidza neChase Ultimate Rewards, Chase muInternet rewards redemption tool. Kunyanya, kana iwe uwedzerwa mumwe munhu akakodzera uye unotenga mumwedzi mitatu yokutanga, iwe uchawana mabhiriyoni mashanu ebhonasi. Izvo zvikamu makumi mashanu zvishanu zvemazana zvinokwana kusvika ku $ 687.50. Kuti uwane bhonasi, haugoni kuwana bhonasi kubva kune iyi kana imwe kadhi yeChishe mumwedzi 24 yapfuura.
Zvichiripo, vashandi vemakadhi vanowana maonero maviri emadhora ose anoshandiswa pakudya uye kufamba uye imwe pfungwa yedhora rega rega rakashandiswa pane zvimwe zvose. Mibairo inokwana makumi maviri kubva muzana paunenge uchidzikinura kuburikidza neChase Makomborero Mashoma.
Nokuti Chase Sapphire Yakasarudzwa haisati yakasungirirwa kune imwe ndege kana kuti hotera yehotera, iwe unowedzera kushanduka mukushandisa mibairo yako yekufamba. Kunyanya, Chase ichakubvumira kuti uwedzere pfungwa dzako kune avo vatengi vemakambani pahuwandu hwe1: 1, izvo zvinoreva kuti iwe hauchazorasikirwi nharo mukudhinda.
Hapana mari yekutengeserana kunze kwenyika inoita kuti ive kadhi rakanaka raunoshandisa paunofamba-famba munyika yose.
The Chase Sapphire Yakasarudzwa ine $ 95 yemari yegore inenge yaiswa mugore rokutanga. Mushure megore rokutanga, iwe uchada kupedza pakati pe $ 3 800 uye $ 7 600 gore roga roga kuti uparadze kunyange pamutengo wegore negore. Kana zvisina kudaro, kana iwe hausi mukuru spender, kadhi ingasakubatsira iwe kupfuura gore rimwe chete.
Zvakanakisisa Hapana Zvese Yegore Rokufambisa Kufamba Makomborero Kadhi Kwereti: BankAmericard Kufamba Makomborero Kadhi Kadhi
BhidhiAmericard Travel Rewards Card inobhadhara mabhiriyoni makumi maviri emabhonasi mushure mekunge iwe uchishanda $ 1 000 mumazuva ekutanga makumi 90 ekuzarura kadhi rako rechikwereti. Bhonasi inogona kuregererwa kwe $ 200 statement chikwereti pamusoro pekutengesa kutengesa kwakaitwa nekadhi yako yekwereti.
Zvose zvaunotenga zvinowana 1.5 mairai neyodhora, pasinei nemari yekushandisa. Uye, kana uine dzimwe nhoroondo neBhange reAmerica, unogona kuwedzera mubairo wako. Vashandi veCadhi vanoita basa rekuita Bhizinesi reAmerica kuongorora kana kuchengetedza gwaro rekuchengetedza vachagamuchira 10 muzana mabhonasi ekutengeserana pamatengo ose. Bhizinesi reAmerica Rinofarirwa Makomborero vatengi vanowana mabhiriyamu 25 kusvika ku75 muzana zvichiwedzera zvichienderana nehuwandu hwavo.
Hapana misi yakasviba kana zvipingamupinyi paunokwanisa kuregera mubairo wako. Iwe une rusununguko rwekutora kufamba kwako pane imwe ndege kana webhusaiti uye unogona kuregera mibayiro semashoko ekukweretesa anoshandiswa kurwendo, mahotera, mazororo, mafambisi, motokari dzinoshandiswa, kana mitero yemitoro.
Hapana mari yegore negore paBanAmericard Travel Rewards Credit Card iyo inoreva kuti iwe unogona kufara izvi zvisingabhadhari chero bedzi iwe uchibhadhara mari yako yakazara mwedzi mumwe nomumwe uye usabhadhara chikwereti nemari.
BhiAmerican Travel Rewards Credit Card isarudzo yakanaka kune vatengi vasiri vashandi vakakura, avo vasingadi kubhadhara mari yegore negore, kana vanopedza mumhando dzakasiyana-siyana.
Best Premium Travel Rewards Credit Card: Chase Sapphire Reserve
Kufanana neChese Sapphire inofanirwa, Chase Sapphire Reserve inorayira mazana mashanu emabhonasi apo iwe unopedza $ 4,000 mumwedzi mitatu yekutanga yeAngesi yako inotanga. The Chase Sapphire Reserve, nokuenzanisa, inopa 50 muzana mamwe mubayiro pavanodzikinurwa kuburikidza neChase Ultimate Mipu, iyo inokonzera bonus ya 50 000 yakaenzana ne $ 725 kuenda kune imwe nzvimbo. Chase Sapphire Inofanirwa inobhadhara chete 25 kubva muzana pane mibayiro yakadzikinurwa kuburikidza neChase Ultimate Makomborero. Iwe unogona kugamuchira bhonasi chete kana usina kugamuchira bhonasi imwe kubva pakadhi yeChase mumwedzi 24 yapfuura.
(Sapphire Reserve yakapa kare mabhiriyoni zana emabhonasi, asi yakaderedza bhonasi yekuisa muJanuary 2017.)
Zvaunotenga zvinowana 3 mapeji emari imwe neimwe inoshandiswa pakufamba uye kudya kutenga (zvichienderana ne 2 points ne Chase Sapphire Inofanirwa) uye 1 nhamba pamadhora kune mamwe ose akatenga.
Mipiro ichangobva kutanga izvo Sapphire Reserve inofanira kupa. Iwe uchagamuchira $ 300 yegore yekufambisa chikwereti kuti uzvidzore zvakakwana kune chero marwendo ekutenga akaitwa kukadhi rako.
Chese ichapa $ 100 mvumo yekubhadhara chikwereti kune chikumbiro che Global Entry kana TSA PreCheck. Kadhi yako inokupa mukana wekutanga weChiporiti Pass Select nhengo ichikupa kusvika kune 900+ airport lounges.
Vanonyanya kubhadhara makadhi vachabhadhara mari ye $ 450 yegore uye imwe $ 75 yega yega yega yega yevashandi vanobvumirwa kutanga mugore rokutanga. Mari yekubhadhara mari yegore negore inogona kunge yakashandurwa kune vamwe, asi iyi ndiyo mubayiro wokutanga wekwereti kadhi rechikwereti uye mibairo uye zvinodiwa zvinokonzerwa nemari yaunoshandisa chero bedzi iwe uchitora mukana wavo uye uchishandisa ichi sekadhi yako yekutanga.
Best Co-Branded Retail Credit Card: Amazon Prime Rewards Visa Signature
Iko muAmazon Prime Priest Visa Signature ndiyo mimwe mitsva yekadhi rechikwereti, yakatanga muna 2017.
Vagari vemakadhi anogamuchirwa vachawana $ 70 muAmerica kadhi kadhi pakarepo apo iyo gwaro rinogamuchirwa. Hapana huwandu hwekushandisa mari kana nguva yekumirira yekuwana bhonasi uye unogona kushandisa bhonasi pakarepo.
Zvichienderera mberi, muZimbabwe Zvikomborero zveVisa Zvikuru Visa Signing inopa 5 muzana yemari yakadzoka kuAmazon.com kutenga (iwe unoda kukodzera kuve nhengo yeChishanu); 2 muzana mumaresitorendi, magaraji, uye drugstores; uye 1 muzana kumashure pane zvimwe zvose.
Nokuti iyi i-co-branded kadhi rechikwereti, zvinoreva kuti rakabhadharwa nemutengesi uye guru rekadhi rechikwereti, unogona kushandisa kadhi kunze kweAmazon kuti uwedzere mibayiro yako. Nokuenzanisa, Amazon.com Store Card inogona kushandiswa chete kuAmazon.
Kana ukangoshandisa kadhi yako ku account yako ye Amazon.com, unogona kuregera mubairo wako chero nguva chero ipi zvayo kune yose kana chikamu che Amazon.com yako.
Iko muZimbabwe Mitsara yeView Priest Visa Signature inouya nemimwe mizhinji yakawanda inosanganisira kushandiswa kune dzimwe nyika kushambadzira, inshuwarheni yepamberi yeruzhinji, kurasikirwa kwemitambo yeruzhinji, kubhadhara mitambo yveshuwarenzi, kufamba kwekukurumidza uye rubatsiro rwekukurumidzira, kuchengetedzwa kwekutenga uye kuchengetedzwa kwechirongwa chekuchengetedza.
Kadhi haina mari yegore negore kana mari yekutengeserana kunze kwenyika.
Iwe Unofanirwa Sei Kusarudza Mibayiro Yakanakisisa Yokukwereta?
Chimbofunga rudzi rwemabhadharo aunoda kutenga, mari yaunotora iwe yaunoda kubhadhara, uye yako yaunoshandisa kushandisa maitiro. Somuenzaniso, kana iwe uchida kunyanya kuwana mari yemari, haudi kubhadhara mari yegore negore, uye iwe haugoni kuchinja kushandisa kwako mari, Capital One Quicksilver Reward inokosha sezvo ichibhadhara chidimbu pazvose kutenga.
Iwe ungasarudza kanopfuura kadhi kadhi rechikwereti kuti uwedzere mibayiro yaunogona kuwana. Nemuenzaniso, kana iwe ukwanisa kupedza zvakakwana kubhadhara mari yegore negore, unogona kushandisa American Express Blue Cash Cash yakasarudzwa nehokudya yako uye gasi kutenga uye Chase Sapphire inofanirwa nekufambisa nekudya zvekutenga.
Hazvina mhosva kuti unosarudza kadhi ipi, iva nechokwadi chokuti iwe uribhadhare muyeri yako yakazara uye nenguva imwe neimwe mwedzi. Kana zvisina kudaro, kutakura chikwereti zvinoreva kubhadhara chikwereti chinokanganisa mibairo yako. Kubhadhara kunono kunowedzera mari yekupedzisira kumari yekadhi rako rechikwereti uye kunokuisa pangozi yekurasikirwa nemubairo wako.
Ramba uchifunga mupfungwa dzako kuti kuenzanisa kunoendesa mberi uye mari inofambira mberi hazviwani mibayiro. Izvi zvinowanzotora mari uye kuderedza chikwereti chinowanikwa pakugadzira zvingawana mibairo. Zvakanakisisa kushandisa mubairo kadhi rechikwereti chete pakugadzira kutenga kunowana mubairo uye kuchengetedza kuenzaniswa kwekubhadhara kwekusatipa mubayiro kadhi rechikwereti.
Ngwarira zvakare kuti iwe unopedza chete zvaunokwanisa. Kuchengetedza chikwereti chako uye kuramba uchikwereta chikwereti kutora mari yekuwana mibairo zuva rimwe nerimwe.
Zvinonzwisisika: Mashoko emakadhi ekubhadhara anowanzochinja. Enda kune webhusaiti yekwereti yemari yekwereti kune yakawanda kusvika kune misi mibairo nemashoko ekukosha.