I-American Express yenye yeyona makhadi amakhredithi ahloniphekileyo kunye nemivuzo emangalisayo kunye neempembelelo. Nangona ezinye zeemali zamakhadi ezithengisa phambili ziza neemali zonyaka, zikhona amakhadi amaninzi a-Amex anemivuzo emihle kwaye akukho mrhumo wonyaka. Ngaphezulu kokungahlawulwa kwemali yonyaka, ngalinye lala makhadi likunika ukuguquguquka kwemithwalo yokuphatha ibhalansi kwaye uyihlawule emva kwexesha. Amanqaku amaninzi e-Amex ngamakhadi ahlawulwayo afuna ukuba uhlawule ngokupheleleyo ngenyanga.
I-Amex Yonke i-Credit Card
Fumana amanqaku angama-10 ebhonasi emva kokuba wenze i-$ 1,000 ekuthengeni kwikhadi lakho elitsha kwiinyanga ezintathu zokuqala. Fumana amanqaku amabini nge dollar ekuthengeni kwiivenkile (ukuya ku-$ 6,000 ekuthengeni unyaka ngamnye) kunye nenqaku elinye nge dollar kwinto yonke. Sebenzisa le khadi ngaphezulu kokuthenga okungama- 20 okanye ngaphezulu kumjikelezo wenkokhelo kwaye ufumene amanqaku amabhonasi angaphezulu kwama-20% ekuthengeni kwakho (ukunyuka kwemali, ukuhanjiswa kwemali, kunye nokuthengiswa okufanayo akubalanga ukuthenga okungama-20). Izinto ozibuthelayo zingasetyenziselwa ukuhamba, ukuthengiswa okanye ukuzonwabisa kwiNkqubo yoLungiso loBulungu be-Amex.
- IPapu yokuPhakamisa : 0% ekuthengeni kunye nokuhanjiswa kwemali kwiinyanga ezili-15
- I-APR rhoqo : 12.99% ukuya kwi-21.99%
Blue Cash Daily
Fumana ibhonasi ye-cashback eyi-$ 100 (ihlawulelwe njengengxelo yekhredithi) ukuba uchitha i-$ 1,000 ekhadini lakho kwiinyanga ezintathu zokuqala. Unokufumana i-3% ye-cashback kwi-supermarket ezikhethiweyo kunye no-2% we-cashback kwizikhululo zegesi ukhethe izitolo zesebe ukuya kwii-6,000 zamawaka ekuthengeni ngonyaka.
(Unako ukufumana i-$ 180 xa uthe wachitha yonke i-$ 6,000 kwiivenkile!) Zonke ezinye izinto ezithengwayo zifumana u-1% wemali emva. Imivuzo ingahlawulelwa njengengxelo yekhredithi.
- IPhabhu loPhuhliso : 0% I-APR ekuthengeni kunye nokuhanjiswa kwemali kwiinyanga ezili-15
- I-APR rhoqo : 12.99% ukuya kwi-21.99%
Blue kwi-American Express
I-Blue Express evela kwi-American Express ikuvuza ngamanqaku amabini nge-dollar ekuthengeni kokuhamba okufanelekileyo okubhengezwa kwiwebhusayithi ye-American Express Travel kunye nepotra enye kwi-dollar kuyo yonke into ekuthengwayo.
Amaphuzu anokwenziwa ahlawulelwe ngeNkqubo yoLungiso loLungiso lwe-Amex elinamaxabiso angaphezulu kwama-500.
- Upapasho loPhuhliso : Akukho
- I-APR rhoqo : 15.24, 18.24, okanye 20.24%.
Blue Sky kwi-American Express
I-Blue Sky ayinayo i-Welcome Welcome offer njengeBlue Cash kunye ne-Amex yamakhadi wemihla okanye ithuba lokufumana amanqaku aphindwe kabini njengeBlue kusuka kwi-American Express. Ufumana enye inqaku nge dollar ekuthengeni kwaye unako ukuhlawulela onke amanqaku angama-7 500 kwi-statement yemali eyi-100 yeentengo zokuthenga.
- Upapasho loPhuhliso : Akukho
- I-APR rhoqo : 17.24, 20.24, okanye i-22.24% yokuthenga kunye nokuhanjiswa kwemali
I-Hilton HHonors evela kwi-American Express
Ukufumana umvuzo wokufumana ama-bonus angama-40,000 amanqaku emva kokuchitha i-$ 750 kuphela ekuthengeni kumakhadi kwiinyanga ezintathu zokuqala. Unokufumana ama-7 e-Hilton HHonors Amanqaku eBhonus nge dollar ekuthatheni inxaxheba kwihotele ze-Hilton kunye neendawo zokungcebeleka; Amanqaku ama-5 nge dollar xa kuthengwa kwiivenkile zase-US, ivenkile, kunye nezitishi zegesi; Amaphuzu amathathu kuzo zonke ezinye izinto ezifanelekileyo. Ukuba uchitha i-20,000 yeemali ekuthengeni okuvumelekileyo kwikhadi omnye unyaka wekhalenda, ufumana isimo seHHonors zeGolide ekupheleni konyaka wekhalenda olandelayo. Ukuba ungumtshitshi wamahhotela aseHilton kunye neendawo zokungcebeleka, le khadi lekredithi likhethekileyo.
- Upapasho loPhuhliso : Akukho
- I-APR rhoqo : 15.24, 17.24, okanye i-19.24% ngokuthengwa kunye nokuhanjiswa kwemali
USAA Imivuzo yokuhlawula imali kunye ne-American Express Card
Amalungu e-USAA angafaka isicelo seMali yemivuzo ye-American Express Card ekuvumela ukuba ufumane imali engama-5% kwi-cashback ukuya kwi-3,000 kwi-gesi kunye nokuthengwa kwezempi ngonyaka, 2% ukuya kuma-3,000 kwiivenkile zokuthengwa ngonyaka, kunye ne-1% kuyo yonke into . Imbuyekezo yakho ifakwe kwi-akhawunti yakho yonke imihla kaJanuwari njengesaphulelo kuzo zonke izinto ezithengiweyo kunyaka odlulileyo.
- Upapasho loPhuhliso : Akukho
- I-APR rhoqo : 11.9% ukuya kwi-25.9% ngokuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali
Iintlawulo zePrayFed zokuBuka kweNyanga ze-American Express
Fumana amanqaku amabhonasi angama-20,000 xa uchitha i-$ 2,500 kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Fumana amanqaku amahlanu nge dollar kwiintengo zentengo ye-air and one point per dollar kuzo zonke ezinye izinto zokuthenga.
Imivuzo ingahlawulelwa ukuhamba, ukuthengiswa, okanye amakhadi wesipho. Kufuneka ube ilungu lePentagon Federal Credit Union ukuba usebenzise isicelo, kodwa ngokuqinisekileyo abantu abahlali banokujoyina amalungu omndeni anxulumene nempi okanye ngokwenza umnikelo onobubele kumnye amaqabane ase-PenFed's charity.
- IPhromoshini yokuPhakamisa : 2.99% kwiinyanga ezili-12 malunga nokudluliselwa kwemali esenziwa phakathi ko-Apreli 1 noJulayi 14, 2015
- I-APR rhoqo : 9.99% ukuya kwi-17.99% ekuthengeni kunye nokuhanjiswa kwemali esenziwa emva kwexesha lokuphromotha
Kungakhathaliseki ukuba yiyiphi ikhadi lekhredithi oyikhethayo, uya kufumana inzuzo yekhadi lesikredithi yase-American Express kunye ne-Perks njenge-Global Assist Hotline, Ukuzonwabisa, ukukhusela ukuthenga, ukuncediswa kwendlela, ukulahlekelwa kwemoto yomshenyenzi kunye nenkohlakalo yomshuwalense, iwaranti eyongeziweyo kunye ne-inshurensi yengozi yokuhamba . Gcina ukhumbule ukuba i-Amex amakhadi ekratshi afuna ukuba ube nekhredithi enhle kakhulu, kodwa umsebenzi wakho onzima ekulawuleni i-credit yakho ihlawula ngembuyekezo kwaye ufune ukufumana.
Kugqitywe ukuhlaziywa ngoJuni 24, 2014. Imimiselo yekhadi lesikweletu kunye neebhonasi zokubhalisa ziya kutshintsha ukusuka ngexesha lokuhlaziywa. Jonga kwisicelo semimiselo yangoku kunye neemeko.