Uninzi lweemiphumo ezilungileyo kakhulu zekhadi zamakhadi zinikeza iibhonasi zokubhalisa - isamba semali enokufumana imali kwiinyanga ezimbalwa zokuqala zokuba nekhadi lakho lekhredithi. Ukufumana ibhonasi, kufuneka uchithe imali ethile kwiinyanga ezimbalwa zokuqala (ngokuqhelekileyo iinyanga ezintathu) zokuvula ikhadi lekhredithi .
Okubalulekileyo malunga nokubhalisa ibhonasi kukuba unokufumana umvuzo ovulekileyo wembuyekezo ngokuchitha kuphela iqhezu lemali oyifunayo ukuyisebenzisa ukuze ufumane umlinganiselo ofanayo wembuyekezo.
Ukusebenzisa ibhonasi yokubhalisa kusindisa amawaka eedola.
Iibhonasi zokuBhaliswa kweKhadi lokuBhalisa ngeNgcono ye-2017 | |
| Ikhadi letyala | Ibhonasi / imivuzo |
|---|---|
Imivuzo Yokuhamba Iikhadi Zetyala NgeBhonasi Yokubhalisa | |
| Chase Sapphire Reserve | Fumana amanqaku amabhonasi ama-50,000 xa uchitha i-$ 4,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 3 amanqaku nge dollar ekuhambeni nasekudleni, 1 iphuzu nge dollar enye enye into; Iingxowa-mali zokuhamba ngeenyanga ezingama-300. Imali yonyaka: $ 450. |
| Chase Sapphire ekhethiweyo | Fumana amanqaku amabhonasi ama-50,000 xa uchitha i-$ 4,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 2 amanqaku nge dollar ekuhambeni nasekudleni, i-point enye nge dollar enye into. Intlawulo yonyaka: $ 95 * |
| Ikhadi elilodwa leNgcaciso yoMvuzo | Fumana amanqaku amabhonasi angama-40,000 xa usebenzisa i-$ 3,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 2 amanqaku nge dollar ekuhambeni (kuquka negesi); 2 amanqaku nge dollar ekudleni nasekuzonwabisa; Inqaku eli-1 nge dollar enye enye into. Imali yonyaka: $ 59 * |
| Imali yeNkulumbuso yeNgcali yeGadi evela kwi-American Express | Fumana amanqaku amabhonasi angama-25,000 xa uchitha i-$ 2,000 xa uchitha i-$ 3,000 kwiinyanga ezi-3 zokuqala. Imivuzo: ama-3X amanqaku kwienqwelo ezindizayo ezifakwe ngqo kwiinqwelo-moya; Amanqaku angama-2X kwizikhululo zegesi, ivenkile, kunye neevenkile; I-1X icatshulwa kuyo yonke into. Ibhonasi inokufumaneka kuphela kumalungu amatsha amakhadi. Imali yonyaka: $ 195 * |
| I-Barclaycard Ukufika kwe-World Elite MasterCard | Ukufumana amanqaku amabhonasi ama-50,000 xa usebenzisa i-$ 3,000 kwiintsuku zokuqala ezingama-90. Imivuzo: ii-2X zeekhilomitha ekuthengeni konke; Iimitha ezili-5% emva kwexesha owenza ukukhululwa. Intlawulo yonyaka: $ 89 * |
| IPlatinum Card Ivela kwi-American Express | Fumana amanqaku amabhonasi angama-40,000 xa usebenzisa i-$ 3,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 1 iphuzu nge dollar; Iingxelo zeentengo zemali ze-200 ezimalunga neziganeko; ukufikelela ngokukhawuleza kwii-lounges; ubhaliso kwiPredority Pass Select. Imali yonyaka: $ 450 |
| Citi SiyabongaNkulumbuso | Ukufumana amaxabiso angama-30,000 ebhonasi xa usebenzisa i-$ 3,000 kwiinyanga ezi-3 zokuqala. Iintlawulo: 3 SiyabongaYa manqaku nge dollar kwihambo; 2 amanqaku nge dollar ekudleni kunye nokuzonwabisa; Inqaku eli-1 nge dollar kuyo yonke into. Ibhonasi ayifumanekanga xa uvula okanye uvale iCiti yeNkulumbuso yeNkulumbuso ye-Citi kwiinyanga ezili-18 zokugqibela. Intlawulo yonyaka: $ 95 * |
| Iibhanki ze-AmeriCard Travel Travel | Fumana amanqaku amabhonasi angama-20,000 xa usebenzisa i-$ 1,000 kwiintsuku zokuqala ezingama-90. Imivuzo: 1.5 amanqaku nge dollar. Akukho ntlawulo yonyaka. |
| US Bank Flex Perks Ukuvakalisa Imbuyekezo Imiqondiso yeVisa | Ukufumana amaqaku amabhonasi angama-20,000 xa uchitha i-$ 2,000 kwiinyanga ezi-4 zokuqala. Imivuzo: Amaphuzu amathathu kwiiminikelo ezifanelekileyo ezifanelekileyo; ziphindwe kabini kwicandelo elinye apho uchitha ininzi kunye nabanikezeli beefowuni; inqaku elilodwa kuyo yonke into. Akukho ntlawulo yonyaka. |
| I-Barclaycard Ukufika I-World MasterCard | Fumana amawaka angama-50 000 xa uchitha i-$ 3,000 kwiintsuku zokuqala ezingama-90. Imivuzo: ii-2X iiekhilomitha ekuhambeni okufanelekileyo kunye nokuthenga ukutya; Iimitha ezili-dollar ngalinye kwiiyonke ukuthenga; Ama-5% eekhilomitha emva komhlawulelo ngamnye. Intlawulo yonyaka: $ 89 * |
Imivuzo yeeHlabathi Iikhadi zetyala kunye neBhonasi yokuBhalisa | |
| Imivuzo yeMarriott Inkulumbuso yeKharity Credit | Fumana amanqaku amabhonasi angama-80,000 xa uchitha i-$ 3,000 kwiinyanga ezi-3 zokuqala. Imivuzo: ama-5 amanqaku nge dollar ekuthengeni kwama-Marriott; Amanqaku a-2 nge dollar kwiititi zeenqwelo zomoya ezithengwa ngqo kwiinqwelo-moya, ii-arhente zokuqeshisa imoto, kunye neevenkile; Iphuzu elingu-dollar ngalinye kwizinto zonke. Kumele usebenzise ikhadi lakho ubuncinane kanye emva kweenyanga ezingama-24 ukugcina umvuzo wakho. Intlawulo yonyaka: $ 85 |
| I-IHG Imivuzo yeKlabhu Khetha ikariti yekhredithi | Fumana amanqaku amabhonasi angama-60,000 xa uchitha i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: Elinye iinqununu ezingama-dollar kumahotele eHG; Amanqaku ama-2 nge dollar kwisitishi segesi, ivenkile kunye nokuthengwa kwevenkile; Iphuzu eli-1 nge dollar kuyo yonke into; kunye nobusuku bobukhulu ngonyaka. I-Bonus iyatholakala kubafundi abatshintshi abangekho bamkeli ibhonasi yale khadi kwiinyanga ezingama-24 ezidlulileyo. Imali yonyaka: $ 49 * |
| Ikhadi leNdwendwe elikhethwe yi Starwood elivela kwi-American Express | Fumana ama-25,000 xa uchitha i-$ 3,000 kwiinyanga ezi-3 zokuqala. Imivuzo: Ukufika kuma-5 amaphuzu nge-dollar kwi-SPG ukuthenga ihotele, inqaku eli-1 nge-dollar kuyo yonke into. Kumele ubhalise ngo-Matshi 30, 2016 kule bhonasi. Intlawulo yonyaka: $ 95 * |
Imirhumo yeeNkampani zeeNkcitho kunye neBhonasi yokuBhalisa | |
| I-Gold Delta SkyMiles Credit Card | Fumana iingongoma ezingama-30,000 ukuba uchitha i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 2 iiyure kwi-Delta yokuthenga, ukuhamba ngeebhola kuqala kwiinqwelo ze-Delta, isikhwama sokuqala sakhange sikhulule kwiinqwelo ze-Delta. Ibhonasi inokufumaneka kuphela kubaphathi bamakhadi amatsha. Intlawulo yonyaka: $ 95 * |
| Ikhadi Lokuhlola I-Mileage Plus | Ukufumana amaxabiso angama-30,000 ebhonasi xa uchitha i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 5,000 amanqaku ebhonasi xa ungeze umsebenzisi ogunyazisiweyo kwaye uthenge; Amanqaku angama-10 000 nganye kwikhalenda unyaka ochitha ubuncinane amaRandi angama-25,000 ekuthengweni kwentengo; 2X iililesi ekuthengweni kwe-United ngqo kwi-United; 1 imayela nge dollar kuzo zonke ezinye izinto zokuthenga. I-Bonus iyatholakala kubafundi abatshintshi abangekho bamkeli ibhonasi yale khadi kwiinyanga ezingama-24 ezidlulileyo. Intlawulo yonyaka: $ 95 * |
| I-Southwest Airlines Iingxelo ezikhawulezayo zeKharity Credit Card | Fumana ama-50,000 xa uchitha i-$ 2,000 kwiinyanga ezi-3 zokuqala. Imivuzo: amanqaku ama-2X okuthengwa kwe-Southwest Airlines ezenziwe nge-airline nakwiihotele kunye nokuthengwa kwemalingani yokuqeshisa imoto; Iphuzu eli-1 kuyo yonke into; 3,000 amanqaku eebhonasi kwi-cardmember. Intlawulo yonyaka: i-69 |
Imali Ebuyiselwayo Imbuyekezo Iikhadi Zemboleko NgeBhonasi Yokubhalisa | |
| I-Blue Cash ekhethwe kwi-American Express | Fumana i-credit statement ye-$ 150 xa usebenzisa i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: i-6% emva kwiivenkile (ukuya kuma-6,000 kwiintengo zonyaka), i-3% kwizikhululo zegesi, i-1% kuyo yonke into. Ibhonasi inokufumaneka kuphela kubaphathi bamakhadi amatsha. Intlawulo yonyaka: $ 95 |
| Chase Inkululeko | Fumana ama-15,000 amanqaku ebhonasi xa uchitha i-$ 500 kwiinyanga ezi-3 zokuqala. Imivuzo: ama-5% emva kwiiklasi zokujikeleza ngekota (ukuya kwi-$ 1,500 ekuthengeni ngekota); 1% emva kwayo yonke into. I-Bonus iyatholakala kubafundi abatshintshi abangekho bamkeli ibhonasi yale khadi kwiinyanga ezingama-24 ezidlulileyo. Akukho ntlawulo yonyaka. |
| I-Blue Cash Dailyday Card esuka kwi-American Express | Fumana i-credit statement ye-$ 150 xa usebenzisa i-$ 500 kwiinyanga ezi-3 zokuqala. Imivuzo: 3% kwi-$ 6,000 yokuqala kwivenkile ethengwa minyaka yonke; 2% kwiitishi zegesi ezikhethiweyo kunye nezorhwebo; 1% kuyo yonke into. Ibhonasi inokufumaneka kuphela kubaphathi bamakhadi amatsha. Akukho ntlawulo yonyaka. |
| Iibhanki ze-AmeriCard Cash Rewards | Fumana i-$ 100 xa uchitha i-$ 500 kwiintsuku zokuqala ezingama-90. Imivuzo: i-3% kwi-$ 1,500 yokuqala kwi-grocery edibeneyo / igesi ithengwa nganye kwikota; 2% kwiivenkile zokutya; 1% kuyo yonke into. Ibhonasi ye-10% xa uhlawulela imali yakho kwiBhanki yaseMerika ukujonga okanye ukugcina i-akhawunti. Akukho ntlawulo yonyaka. |
Imiba eFlexible Amaphuzu Amakhadi Eetyala kunye neBhonasi yokuBhalisa | |
| I-Amex iKhadi elikhethiweyo ngalinye | Ukufumana amaxabiso amabhonasi angama-15,000 xa usebenzisa i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: ama-3X amanqaku kwiivenkile (ukuya kwii-6,000 zamaxabiso ezithengiweyo), ama-2X amanqaku kwizikhululo zegesi, i-1X iingongoma kuzo zonke izinto. Amanqaku angama-50% xa usebenzisa ikhadi lakho 30 okanye amaxesha angaphezulu xa uthengwa ngexesha lokuhlawula. Ibhonasi inokufumaneka kuphela kubaphathi bamakhadi amatsha. Intlawulo yonyaka: $ 95 |
| Citi SiyabongaUthandayo | Ukufumana amaxabiso amabhonasi angama-15,000 xa usebenzisa i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 2 SiyabongaNokuthi ubeka iidola nge dollar ekudleni kunye nokuzonwabisa; Inqaku eli-1 nge dollar kuyo yonke into. Ibhonasi ayifumanekanga xa uvula okanye uvale iKhadi eliKhethiweyo leCiti eliKhethekileyo kwiinyanga ezili-18 zokugqibela. Akukho ntlawulo yonyaka. |
| I-Amex EveryDay Card | Fumana amanqaku angama-10 ebhonasi xa uchitha i-$ 1,000 kwiinyanga ezi-3 zokuqala. Imivuzo: 2X iingongoma kwiivenkile ezifikelela kuma-6,000 zamawaka ekuthengeni ngonyaka; I-1X icatshulwa kuyo yonke into. Ibhonasi inokufumaneka kuphela kubaphathi bamakhadi amatsha. Akukho ntlawulo yonyaka. |
| US Bank FlexPerks Khetha + i-American Express Card | Fumana amanqaku angama-10 ebhonasi xa uchitha i-$ 1,000 kwiinyanga ezi-4 zokuqala. Imivuzo: 1 iphuzu nge dollar. Akukho ntlawulo yonyaka. |
| I-Visa eyongezelelweyo yeVisa | Fumana amanqaku angama-10 ebhonasi xa uchitha i-$ 500 kwiinyanga ezi-3 zokuqala. Imivuzo: ii-2X zikhomba kwi-NFL kunye nokuthengwa kweqela, amathikithi emidlalo, ukuthengwa kwiivenkile zeqela kunye ne-stadium ukuthenga ngosuku lomdlalo; Inqaku eli-1 nge dollar kuyo yonke into. Akukho ntlawulo yonyaka. |
| * Intlawulo yonyaka echithwe ngonyaka wokuqala | |
Yintoni Oyaziyo Ngokufumana iBhonasi yokuBhalisa
- Umda wakho wesikweletu udlala indima . Umda wakho wekhredithi uthinta indlela elula ukufumana ibhonasi. Ukuba umda wakho wekhredithi ungaphantsi komda wokuchitha imali, kuya kufuneka uhlawule ngokukhawuleza ibhalansi yakho yekhadi lesikweletu ukuze ukhulule i-credit card eyongezelelweyo ngokuthenga.
- Inani lokuthengwa, kungekhona ezinye iintengo . Imali yokuchitha imali isekelwe ekuthengweni kwentengo eyenziweyo, kungekhona ukuhanjiswa kwemali okanye ukunyuka kwemali . Ukuba umgomo wakho kukufumana ibhonasi yokubhalisa kwikhadi lakho elitsha lekhredithi, shiya ukutshintshela ibhalansi yakho kwenye ikhadi. Kwakhona, phawula ukuba ukubuya kunye nezikwereti kuya kuphelisa imali esebenzile.
- Lindela umrhumo wonyaka . Amakhadi angama-18 kwimizuzu engama-24 kuloluhlu anemivuzo yonyaka . Ezinye iikhadi zekhredithi zilahla umrhumo wonyaka kunyaka wokuqala, kodwa abanye abayithandi. Xa ikhadi lekhredithi lihlawula umrhumo wonyaka kunyaka wokuqala, umrhumo awunakubalwa kwimali efunekayo yokufumana ibhonasi.
- Qaphela ixesha lokufumana ibhonasi . Imimiselo neemeko zebhonasi ezininzi zokubhalisa zithatha kuthatha iiveki ezi-6 ukuya kwezi-8 ukuba ibhonasi ibhalele kwiakhawunti yakho. Ngoko gcina ukhumbule ukuba yenza ukuthatha iinyanga ezilisithandathu ukususela ngexesha uvula i-akhawunti yakho ukuze ufumane ibhonasi yakho.
- Njalo uhlawule ngokupheleleyo . Ukuhlawula umdla kumvuzo wekhadi lesikweledu akungenzi umvuzo wembuyekezo. Akunjalo kuphela, ukuthwala ibhalansi ubophelela i-credit yakho, okwenza kube nzima ukuqhubeka uhlawula umvuzo. Sebenzisa ikhadi lakho lomvuzo kuyo yonke into , kodwa hlawulela ibhalansi ngokupheleleyo inyanga nganye.
- Funda imigaqo . Imithetho ye- American Express ibonisa ukuba awukwazi ukufumana ibhonasi yokubhalisa kwikhasi elifanayo kabini kwaye mhlawumbi kungekhona ukuba unomnye (u-Amex) u-Amex uvule ngexesha elifanayo. I-Chase ayiyi kukuvumela ukuba ufumane ibhonasi ukuba sele unayo ikhadi lekhredithi (uya kufuneka uyikhansele kuqala) okanye ukuba ufumene ibhonasi kwiinyanga ezingama-24 ezedlule. Imiqathango yeCiti ibonisa ukuba ukhansele ikhadi lakho kwaye ulinde iinyanga ezili-18 phambi kokuphinda usebenzise kwakhona kwaye ufumana ibhonasi yokubhalisa kwikharityhulam enye.
Ukwahlula r: Iibhonasi zokubhalisa ezibhalwe apha zikhoyo njengangomhla kweli nqaku. Abaniki bamakhadi ngekhadi banokutshintsha imivuzo, kunye nolwazi lwexabiso, ukubhalisa iibhonasi nganoma kunini. Njalo u tyelele iwebhusayithi ye-credit card ye-issuer ye-credit card yeyona nkcazelo ngokubanzi ngokubhalisa ibhonasi, imivuzo kunye neminye imigangatho kunye nemigomo.