Shandisa mukana wako kune imwe kadhi uye uchengetedze mazana
Iwe unogona kuchengetedza mazana emadhora kuburikidza nekukwira kwepamusoro-nhanho yemari yekuenzanisa kusvika pakero yekuendesa kadhi rechikwereti ne zero yezana yekutanga mutengo. Kana zvasvika pakuenzanisa kutengesa makadhi emakadhi, nguva yakareba nguva yokutanga, zviri nani. Izvozvo zvinokupa nguva yakawanda yekubhadhara chikamu chako uye zvachose kudzivisa kubhadhara kufarira.
Pane zvinhu zvishomanana zvinogona kuita zero muzana kubhadhara kadhi rechikwereti kunyange zviri nani - kwete mari yekutsinhanisa mari, zero muzana pane kutenga, pamwe nemaropafadzo. Makadhi echikwereti pane zvinyorwa zvedu zvose anopa mamwe mafaro pamusoro pemutengo mukuru wekutanga. Sezvaunosarudza mukana wekutengesa kadhi rechikwereti, funga zvose urefu hwekutsvaga nguva uye kuti ungashandisa sei kadhi rechikwereti mushure mekutengeswa kwenguva kwapera.
01 Best for No Balance Transfer Mutengo: 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.
02 Nguva Yakawedzerwa Yakanyanya Kupfuura: Citi Simplicity
Kana uchida nguva yakawanda yekubhadhara chikamu chikuru, Citi Simplicity ndiyo kadhi yakanakisisa iwe. Zero muzana yekutanga APR pamitengo uye kutengesa kunoendesa kwekupedzisira kwemwedzi 21. Icho chava makore maviri echinhu chisingafariri paunoyera. Mushure meizvozvo, APR inogara iri 15.24 kusvika 25.24 muzana, zvichienderana nekwereworthworthiness yako. Iwe unofanirwa kubhadhara mari yekubhadharisa mari iyo ndiyo yakakura ye $ 5 kana katatu muzana yega imwe yekutsvaga mari.
Iko kadhi inochengetedza iri nyore isina mari yakaderera, pasina chirango chekuda uye pasina mari yegore negore. Sarudza zuva rako rekubhadhara rekubhadhara kuti uwe pane chero zuva mukati memwedzi.
SeCiti cardholder, iwe unogonawo kuwana Citi Price Rewind, chimwe chinhu chinokudzosera iwe kutengesa mutengo pane zvinhu zvakatengwa pakadhi rako.
03 Best for 5% Cash Rewards: Zivone
Kana iwe uchida kuwana mibairo pane yako kadhi rechikwereti mushure mekunge iwe wakabhadhara chikwereti chako chekuendesa, ipapo Discover isarudzo yakanaka. Chokutanga, iwe unogona kutora mukana weZero muzana yekutanga APR iyo inotora mwedzi gumi nemana pakutenga uye kutengesa kuwedzerwa. Maruva anogara ari 11.99 kusvika 23.99 muzana. Kana uine chikwereti chenhoroondo yechikwereti, iwe ungangodaro unowana chidimbu chechikwereti. Mari yekubhadharisa mari iri paDzidza ndeyechitatu muzana.
Kutenga kunokodzera mari yekudzokera shure. Iwe uchawana mazana mashanu emari kubva kumashure kusvika ku $ 1,500 mukutenga muzvikamu zvinotenderera kota imwechete chero bedzi iwe unyoresa paIndaneti kana kuburikidza ne app mobile. Zvose zvinotenga zvinowana imwe peresenti yemari shure. Sebhonasi yevatori vatsva, Discover ichakurumidza kuenzanisa nemari yakadzoka iwe yawakagamuchira pakupera kwegore rokutanga.
Zvimwe zvinoshandiswa: Sirai pa / kurega kushandura kweakaunti yako kudzivirira kushandiswa kusina mvumo kwekadhi rako rechikwereti (kana kuti uzvichengete kusashandisa kusvikira iwe uchibhadhara mari yako yokutumira). Nyora kuwana FICO yako chikwereti pamutauro wako wekubhadhara pamwedzi.
04 Best Flat Rate Cash Back: Citi Double Cash
Iko Citi Double Cash inewo inonakidza yakareba nguva yekufambisa nguva. Farira zero muzana mutumbi wePAP paanenge achiendesa mberi kwemwedzi gumi nemana. Mushure mezvo, APR ndiyo 14.74 kusvika 24.74 muzana. Mari yekubhadhara mari inenge $ 5 kana matatu muzana yemari yekuendesa, chero ipi zvayo. Kuenzanisa kwekuenzanisa kunofanira kuzadzikiswa mukati memwedzi mina yekuzarura kambani kuti iwane chikamu chekutsvaga. Iwe unoda kuita shanduko yekufambisa nokukurumidza sezvinobvira, kuitira kuti iwe unogona kutora zvakakwana nguva refu yekutsvaga.
Sezvo chikwata chekutsvaga chisingashandisi pakutenga, iwe ucharamba uchitora chikwereti pane chero chinhu chaunenge uchigadzira pane kadhi rechikwereti - kunyange kana iwe uchibhadhara zvakakwana mari yekutenga. Zvakanakisisa kumirira kusvikira wakabhadhara bhaari yako kutumira kunotenga.
Kana ukangotanga kutenga uchishandisa Citi Double Cash, kutenga kwako kuchawana imwechete yepasita mari shure apo iwe unovaita uye imwe yezana paunodzorera zvakare. Ndiyo apo "kaviri" muCiti Double Cash inobva.
Hapana mari yegore negore paCiti Double Cash.
05 Best Tiered Rewards: BlueCash Daily Day Card kubva kuAmerican Express
The BlueCash Everyday Card kubva kuAmerican inopa zero muzana yekutanga APR pamusana wekutengesa uye kutenga kwemwedzi 15 yekutanga. Mushure mezvo, APR ndiyo 14.24 kusvika 25.24 muzana.
Gamuchira $ 150 mari zvakare apo iwe unoshandisa $ 1 000 pane yako kadhi rechikwereti mumwedzi mitatu yokutanga yekuvhura account yako. Zvinosuruvarisa, kuenzanisa kuwedzerwa hakurevi kutarira kubhadhara mari yekushandisa. Iwe unofanirwa kutenga zvigadzirwa kana uchida kuwana bhonasi.
Kana uchangotanga kushandisa kadhi rechikwereti rekutenga, iwe uchawana katatu muzana yemari kumashure mashopu ekuAmerica kusvika kusvika $ 6,000 pagore; zvikamu zviviri kubva muzana kubva mumari yeUnited States uye kusarudza dhipatimendi re US uye imwechete yepfuma mari yakadzokera pane zvimwe zvose.
Hapana mari yegore negore paBlueCash Everyday Card kubva kuAmerican Express.
06 Best Card Rewards Remhepo: JetBlue Plus Card
IJetBlue Plus Card ndeyekushamwaridzana kukuru kwekutsinhanisa kutengesa uye mubhadharo wemhepo yekukwereta kadhi rechikwereti. Iyo kadhi inopa zero muzana yekutanga APR inokuenzanisa kushandiswa kwekutanga kokubhadhara mabhiriji (chinyorwa kuti mabhiriji gumi ekubhadhara achange ari shomanana kudarika gore rakazara rekarenda). Mienzaniso inofanira kuendeswa mumazuva makumi mashanu ekutanga kuti ave akakodzerwa nematengo chaiwo. IAAP nguva dzose iine 12.99, 20.99 kana 25.99 muzana zvichienderana nekwereworthworthiness yako.
Iwe unayowo mukana wekuwana matanho makumi matatu emabhonasi mushure mekushandisa iwe $ 1 000 pakutenga mumazuva ekutanga makumi mapfumbamwe. Ngwarira - kutenga hauna purogiramu yekutsvaga uye kuchaita kuti iwe uwane chido kana iwe une zvose zvekutenga muyero uye kubhadhara kutengesa chikamu pane kadhi rako rechikwereti.
Kana ukashandisa kadhi rechikwereti kuti uwane mibairo mushure mekunge iwe wakabhadhara chikwereti chako chekuendesa mberi, uchawana zvitanhatu pamadhora pazvinhu zvose zvekutenga JetBlue; pfungwa mbiri pamadhora paresitorendi uye zvitoro zvezvitoro; uye imwe pfungwa kana dhora pamamwe ose akatenga. Dzoserai pfungwa dzenyu kune chero chigaro paJetBlue-operated ndege uye farai yako yekutanga chekuvhara bhegi pasina.
Kune mari ye $ 99 yegore negore uye hapana mutero wokutengeserana kunze kwenyika.
07 Best for Students: Bank of America Travel Rewards for Students
Bhizinesi reAmerica Kutarisa Makomborero yeVadzidzi vechikwereti kadhi rinopa zero yezana yekutanga yekutora chikwata chekutenga kwekutanga kokubhadhara mabhiriji. Mushure mezvo, APR inogara iri 15.99 kusvika 23.99 muzana.
Vadzidzi vanewo mukana wekuwana mabhiriyoni makumi maviri emabhonasi mushure mekushandisa $ 1 000 mumazuva ekutanga 90. Ingochenjerera kuti iwe usati watiza chikwereti chausingakwanisi kuripa kuburikidza kuwedzera kutenga uye kuenzanisa kuendesa kune imwe kadhi rechikwereti. Kana ukasarudza kuishandisa, iyo bhonasi 20 000 inogona kudzikinurwa kwe $ 200 statement chikwereti pamusoro pekutengesa kutengesa kwakaitwa pakadhi rako rechikwereti.
Kutenga kunowana 1.5 points pamadhora. Iwe unogona kuwana bonus 10 muzana pamubairo wako kana iwe uine Bhizinesi reAmerica rinotarisa kuongorora kana kuchengetedza kero. Bhizinesi reAmerica rinoitawo kuti zvive nyore kuchengetedza nekodzero yako yechikwereti nokuita kuti FICO yako chikamu chiwanikwe pasina pachena neshoko rako remwedzi.
Hapana mutero wegore negore uye hapana mutero wekutengesa kune dzimwe nyika.