Kutanga kojiji? Tine makadhi emakwereti akakanakisisa kwamuri.
Kuwana kadhi rechikwereti semudzidzi kunogona kuvhiringidza, kunyanya kwekutanga. Pane zvakawanda zvingasarudzwa zvokusarudza kubva, zvakaoma kuziva zvaunotarisa uye iyo kadhi rechikwereti ndiro rakarurama. Mudzidzi wepamusoro wechikwereti makadhi ane mari shoma kana kwete yegore negore, kukwikwidzana kwechirongwa chekuda, pamwe nemigumisiro kana zvimwe zvinowanikwa nevadzidzi.
Mudzidzi wemakadhi emakadhi echirongwa urwu zvose zvakanakisisa zvekanakisisa. Ivo vanobva kune vakakurumbira kadhi rechikwereti uye vanopa mibairo pakutenga uye zvakakosha zvevadzidzi. Vamwe vanotopa chikamu chemazana chezana chekutanga chikwata chekuda, izvo zvingakupa nguva yekufanirwa kuva nekadhi rechikwereti pasina mari yakawedzera yekufarira.
Kana ukangobvumirwa kubhadhara kadhi rechikwereti chaunosarudza, iva nechokwadi chokuti unochengetedza chikwereti chako pasi uye uite zvikwereti zvako zvegore negore nenguva. Iyi miitiro yakanaka ichabatsira kuvaka chikwereti chenhoroondo yako uye kukubvumira kuti uwane zvinhu zvakadai semotokari, imba kana imba mune ramangwana. Iye zvino, ngatitarisei kune vakanakisisa vechikwereti makadhi makadhi.
01 Zvakanakisisa Kwazvo: Zivonei kune Vadzidzi
Nokuda kwezvinonyanya kukosha pakuwana mubairo, Kuzviwana kuVadzidzi vechikwereti kadhi ndiyo nzira yekuenda nayo. Wana mazana mashanu emari mari kumashure kwezvikamu zvitanhatu zvekushandura uye imwe yezana kumashure pane zvimwe zvose. Iwe unofanirwa kuinaini kuti uwane mazana mashanu emari zvakare mumabhonasi masangano. Sebhonasi, Discover ichafananidza, idhora-ye-dollar, iyo yose yemari yawakagamuchira pamagumo egore rako rokutanga.
Iwe unogonawo kuwana $ 20 mari yebhasi shure gore rimwe nerimwe rechikoro yako GPA iri 3.0 kana kupfuura. Iwe unogona kuwana bhonasi kusvika kumakore mashanu anotevera.
Mitengo inokosha : Hapana mari yegore negore. Gamuchira 0% yemutambo wokutanga APR kwemwedzi mitanhatu. Mushure mezvo, APR inogara iri 13.99 kusvika 22.99 muzana.
02 Mipiro Yakanakisisa Yemajenya: Rwendo Rwendo Rwevadzidzi kubva kune Capital One
NeRwendo Rwokubhadhara Makomborero Kwevadzidzi Kubhadhara kubva kuGeor One, vadzidzi vanowana imwe yezana mari kubva kumashure ose ekutenga. Capital One inopa kukurudzira kukuru kukurudzira maitiro akanaka ekadhi rechikwereti: mimwe mibayiro yekubhadhara nguva. Iwe unogona kusimbisa mari yako kumashure kusvika 1.25 muzana mwedzi mumwe nomumwe unoita kubhadhara kwako nenguva.
Hapana muganhu wehuwandu hwemari shure iwe unogona kuwana uye yako mari mibayiro haigari.
Kanaka maitiro ekukwereta kadhi rechikwereti achakubvumira kuti uwane imwe mubairo: iyo inogona kukwereta chikwereti. Kana iwe ukagadzira makoko ako mashanu okutanga nenguva, iwe unokodzera kuwana chikwereti chikamu kuwedzerwa. Kuita kuti zvive nyore kupa zvikwereti panguva yakakodzera, iwe une kusununguka kwekusarudza yako chaiyo zuva rakakodzera.
Mitengo inokosha : Hapana mari yegore negore kana mari yekutengesa kune dzimwe nyika. Maruva anogara ari 24.99 muzana.
03 Best for Dining and Gas Rewards: Onai Chrome yeVadzidzi
Kana iwe uri mudzidzi uyo anotora zvakawanda pakudya uye gesi, Idzive iyo Chrome yeVadzidzi ndeyewe. Wana mazana maviri emari mari kumashure maresitorendi uye magasi emotokari kusvika kusvika ku $ 1 000 muhutano akabatanidzwa akatenga chikamu chimwe nechimwe uye chimwe chikamu pane zvimwe zvose. Hapana kuiswa kwaidiwa kunokosha.
Kufanana neKugamuchira kwaVadzidzi, unogona kutenga $ 20 mari shure kwegore rimwe nerimwe rechikoro GPA iri 3.0 kana yakakwirira, kusvikira kumakore mashanu anotevera.
Mitengo inokosha : Hapana mari yegore negore. Iwe uchagamuchira zero muzana yemutambo wePAP kwemwedzi mitanhatu. Mushure mezvo, APR inogara iri 13.99 kusvika 22.99 muzana.
04 Best Points Makomborero Kadhi Kwereti: Citi ThankYou Unofanirwa kuVadzidzi veChikoro
Citi ThankYou Unofanirwa kuVadzidzi veChikoro inopa bhonasi yakanaka yekunyora. Unowana 2 500 mabhonasi mapoka mushure mekushandisa $ 50 pakutenga mumwedzi mitatu yekutanga yevhuraji. Aya 2,500 pfungwa dzinokwana $ 25 mumakadhi emakadhi, magetsi uye zvizhinji pa thankyou.com.
Zvichienderera mberi, iwe uchawana mbiri mbiri pamadhora ekudya uye kudya kunze uye imwe nhamba ye dollar pane zvimwe zvose zvaunotenga.
Mitengo inokosha : Hapana mari yegore negore. Iva neruzhinji rwezero pamusana pekutanga APR pakutenga kwemwedzi minomwe. IAAP yakawanda iri pakati pe15,74 uye 25.74 muzana, zvichienderana nekwerekiti yako.
05 Best for International Students: Vakakodzera Edu MasterCard yeVadzidzi
Zvikwereti zvizhinji zvemakadhi zvinoda nhamba yekuchengetedzwa kwevanhu. Ndizvo kuti chikwereti chikwereti chikwereti chinonyatsozivikanwa kuti mudzidzi ndiani uye chengetedza chikwereti chekwereti. Izvi zvinogona kuunza dambudziko kune ani zvake asina nhamba yekuchengeteka kwevanhu, kusanganisira vadzidzi vekune dzimwe nyika.
The Deserve Edu MasterCard inobhadhara chikamu chimwechete chemari isina chikwereti chemari shure kwezvose zvakatengwa pane kadhi rechikwereti. (Izvi hazvirevi mari yekufambira mberi, zviyero zvinotamirwa kubva kune imwe kadhi rechikwereti kana kutengwa zvakadzorerwa). Anofanirwawo kubhadharira Amazon Prime Student nhengo, zvichibvumira vashandi vemakadhi kuti vawane rusununguko rweVhidhiyo, Music, uye kuverenga. Amazon Prime Student nhengo yevamwe inowanzosvika $ 49.99 pagore.
Mushure mokunge mvumwa, Inofanirwa kutanga kutaurira chikwereti chenhoroondo yako yechikwereti kune zvikwereti zvekwereti, zvinoreva kuti iwe unoshandisa kadhi rechikwereti rinokubatsira ichakubatsira kuvaka chikwereti chakanaka. Kushandisa kadi yako zvine mwero kunokubvumira kuti uwane kodzero yeDeserve Pro MaseterCard, iyo inokweretesa zvitatu zvemari kubva shure pakufamba nekuvaraidza, zvikamu zviviri kubva kumashure muresitorendi uye chikamu chimwe chete shure kwezvose zvinotenga.
Mitengo inokosha : APR inogara iri 19.99 muzana. Hapana mari yegore negore.
06 Best Bonus Signup: Bhizinesi reAmerica Kuronga Mubayiro weVadzidzi
Bhizinesi reAmerica Kutarisa Makomborero yeVadzidzi vane kadhi rechikwereti vanobhadhara mabhii 20,000 ebhonasi. Kuti uwane bhonasi, uchafanira kushandisa $ 1 000 pakutenga mumazuva ekutanga makumi 90 ekuvhura account yako. Nekadhi rino, bhonasi 20 000 inogona kuregererwa kwe $ 200 statement chikwereti pamusoro pekutengesa kutengesa kunoitwa pakadhi rako rechikwereti.
Zvichienderera mberi, iwe uchawana 1.5 mapeji emari yose yaunoshandisa pakutenga. Kunyanya, iwe unogona kuwana bonus 10 muzana pamubairo wako kana iwe uine Bhizinesi reAmerica rinotarisa kana chekuchengeta mari. Iwe unogona kushandisa kudzikinura mibairo yako kune ipi neipi yendege kana kutengesa hotele chero nguva.
Sebhanji reAmerican credit cardholder, iwe uchakwanisa kuwana chikamu chako cheFICO pachena nokuda kweNhare Mobile Banking kana muInternet banking. Iko FICO chikamu chichakuchengetedza iwe kurongedza pane apo chikwereti chako chinomira.
Mitengo inokosha : Farira zero muzana mutengo wekuda kwekutenga pakutenga kwekutanga kwekubhadhara mabhiriji. Mushure mezvo, APR inogara iri 15.99 kusvika 23.99 muzana. Hapana mutero wegore negore uye hapana mutero wekutengesa kune dzimwe nyika.
07 Best for Building Credit: Capital One Secured MasterCard
Zvinowanzoita kuti vadzidzi vatsigire chikwereti chavo panguva yekutanga kuti vave nenguva yakaoma kubvumidzwa kuti vawane kadhi rechikwereti. Ndiko apo kadhi rakagadziriswa rinogona kubatsira.
Nekadhi rekwereti rakachengetedzwa, iwe unobhadhara mari yekuchengetedza kuitira kuchengetedza chikwereti chekwereti.
NeCherenti One Secured MasterCard, iwe uchava nemukana wekubhadhara $ 49, $ 299, kana $ 200 kuchengetedzwa kwekuchengetedza zvichienderana nekwereworthworthiness yako. Nekuda kwekodzero yekuchengetedzwa kwekuchengetedza, iwe uchawana $ 200 chikwereti chikwereti pamakadhi ako kuti utange. Kana iwe uchida chikwereti chikuru chekwereti, iwe unogona kuisa mari yakawanda vasati vheji yako yatanga.
Kana ukangowana kadhi rako rechikwereti, unogona kuzvishandisa sezvinongoita imwe kadhi rechikwereti. NeCherenti One Secured MasterCard, iwe unokodzera kuwana chikwereti chikamu kuwedzerwa paunoita makosi ako okutanga mashanu pamwedzi nenguva. Iwe haufaniri kuita chimwe chekuchengetedzwa kwekuwedzerwa kune mari iyi kuwedzerwa kwekwereti.
SeGuta Rokutanga Mutengi, iwe uchawana ruzivo rweCreditWise, yekusununguka kwekwereti yekuona basa rekubhadhara rinokubatsira kugara uri pamusoro pekwereti yako yemari.
Mitengo Inokosha : The APR ine 24.99 muzana. Iko hakuna mari yegore negore.