Ukusetyenziswa kwezinto zokutya kwakha inxalenye enkulu yebhajethi yeentsapho. Intsapho yezine ingachitha phakathi kwama-$ 500 kunye ne-$ 1,300 ngenyanga kwizinto zokutya, kuxhomekeke kwiminyaka yabantwana, ngokubhekiselele kwiNkokheli yezoLimo zeSebe lezoLimo lase-US ngoFebruwari 2018. Kwaye iintsapho ezincinci kunye nezibini ziyakubona ukusetyenziswa kwezinto zokutya eziphezulu njenge $ 700 ngenyanga.
Kuthekani ukuba unokufumana enye yale mali emva kwimivuzo yomvuzo wesikweletu .
Ngokusebenzisa i-credit card ilungelo lokuthenga ukutya, unokukhawula inani elinomlinganiselo wembuyekezo yekhadi lesikweletu. Khetha ikhedi lekhredithi elifanelekileyo kwaye unokufumana iimvuzo nakwezinye zokuthenga ngekhadi lesikweletu.
I-Blue Cash ekhethwa kwi-American Express
I-Blue Cash ekhethiweyo ye-American Express yamakhadi-krediti ahlawula imali ephezulu ye-cash back on grocery of any card. Uya kufumana imali engama-6 ekhulwini kwi-supermarket zase-US ukuya kuma-6,000 ngonyaka ngonyaka ekuthengeni. Yiloo $ 360 xa uchitha yonke i-$ 6,000 kwizinto zokutya. Uyakufumana imali engama-3 ekhulwini kwiimveliso zesefu ze-US kwaye ukhethe amasebe kunye neepesenti eziyi-1 imali emva kwayo yonke into, kuquka ukuthengwa kwezinto zokuthengisa ngaphezu kwe-6,000 zamawaka kunyaka wekhalenda.
Uza kufumana i-credit statement ye-bhonasi ye-$ 200 xa uchitha i-$ 1,000 ekuthengeni kwiinyanga ezi-3 zokuqala. Oko kwenzelwa ngokuzenzekelayo ukuhlawulwa kwemali eyi-$ 95 yonyaka , unyaka wokuqala ubuncinane.
I-Blue Cash Dayday Card ukusuka kwi-American Express
Ukuba imbono ye-$ 95 yemali yonyaka iguqulwa, i-Blue Cash Dailyday Card esuka kwi-American Express ingajongeka kangcono kwi-wallet yakho.
Ikhadi ihlawula imali engama-3 ekhulwini kwi-supermarket yase-US ukuya kuma-6,000 e-year ngonyaka xa kuthengwa- i-180 epheleleyo xa uchitha i-$ 6,000 kwimpahla yokutya. Uzakufumana imali engama-2 ekhulwini kwimali ye-gas kwaye ukhethe amasebe kunye neepesenti eziyi-1 imali emva kwayo yonke into, kuquka ukuthengwa kwezinto zokuthenga ngaphezu kwe-6,000 kwi-khalenda.
Fumana i-statement yebhonasi ye-bonus ye-$ 150 xa uchitha i-$ 1,000 ekuthengeni kwiinyanga ezintathu zokuqala.
I-Amazon Prime Rewards Visa
Ngama-Prime Prize ama-Visa i-Visa, uza kuhlawula ama-5% kwi-Amazon.com kunye nokuthengwa kweThengi loKutya, kunye neepesenti ezi-2 kwiindawo zokutya, izitishi zegesi, kunye nezidakamizwa, kunye neepesenti ezi-1 emva kwayo yonke into.
Amalungu Amanqaku angama-Amazon kwimimandla ekhethiweyo aya kukunika i-Prime Pantry, ivenkile apho ungathenga khona ukutya kunye nemveliso yendlu. Sebenzisa i-Visa ye-Amazon Prime Rewards Visa kulezi zithengi zokuthenga kunye nokufumana ama-5 ekhulwini.
Akukho mrhumo wonyaka, kodwa kufuneka ube nobulungu beNkulumbuso ukuvunyelwa kwikhadi lekhredithi. Ubulungu obuyinkokheli njengamanje bubiza i-$ 49 ngonyaka ngabafundi kunye ne-99 ngonyaka ngonyaka ngamnye. Uya kufuneka uchithe ngokwaneleyo ukukhupha iindleko zokuBambisa Ubulungu bekhadi lokuthenga ngetyala.
Ibhanki yeMelika Imivuzo Yemivuzo Yesikhadi Lesikweletu
Ukufumana ama-3 ekhulwini kwi-gas kunye neepesenti ezi-2 emva kwezinto zokutya kunye namaqela e-wholesale kwi-$ 2,500 yokuqala ekuthengiseni ukutya, igesi kunye ne-wholesale club ekuthengeni nganye kwikota; i-1 pesenti ibuyele kuyo yonke into.
Ukuba unayo ibhanki okanye i-akhawunti ye-investment ye-Bank of America okanye i-Merrill Lynch unokufumana i-bonus ye-10 yepesenti kwimbuyekezo yakho.
Yaye ukuba ugcina imali engama-20,000 okanye ngaphezulu kweye-akhawunti, umrhumo wemali umlinganiselo we-skyrockets ukuya kuma-25 ukuya kuma-75 ekhulwini kuxhomekeke kwibhalansi yakho.
Njengobhonasi yokubhalisa, unokufumana i-$ 150 ukuba uchithe i-$ 500 kwiinyanga zokuqala ezintathu ukuvula i-akhawunti yakho. Ngakumbi, nandipha i- APR ye-0% ye- intro introductions kumanqaku okubhadela okuqala oku-12 ekuthengeni kunye nokuhanjiswa kwe-balance eyenziwe kwiintsuku ezingama-60 zokuqala. Akukho ntlawulo yonyaka.
Chase Freedom Unlimited
I-Chase Freedom Unlimited yenza umvuzo wemali ulula. Zonke ukuthenga-kuquka ukuthengwa kwezinto zokuthenga-ufumane i-1.5 yeepesenti zemali ezingenamkhawulo emva kwerhafu yonyaka. Unokufumana i-$ 150 yebhonasi emva kokuchitha i-$ 500 ekuthengeni kwiinyanga ezi-3 zokuqala ukuvula i-akhawunti yakho. Ukuba ungumthengisi omkhulu, unokufumana ibhonasi yokubhalisa ngaphakathi kwinyanga okanye ezimbini nje.
Akukho mali yokuhlawulela encinci yokubuyisela imali yakho, unokuhlawulela nanini na, kwaye umvuzo wakho awuyikuphelelwa ixesha elide njengoko i-akhawunti yakho ivulekile kwaye imele kakuhle.
Ukuba unomnye umxhasi wekhadi lesikratshi, njenge-Chase Sapphire okhethwe umzekelo, unokudibanisa umvuzo wokunyusa ixabiso. Qaphela ukuba ukuba ufanelekile kwibhonasi yokubhalisa akumele ufumane enye ibhonasi ukusuka kwi-Chase kwiinyanga ezingama-24 ezidlulileyo.
Jabulela u-0% wamaphesenti wokuqalisa u-APR ngeenyanga ezili-15 ngokuthenga kunye nokuhanjiswa kwemali. Emva koko, i-APR rhoqo i-16.24 ipesenti ukuya kuma-24.99 ekhulwini. Gcina ingqondo ekudlulisweni kwemali engayifumani imivuzo kunye nayiphi na ibhalansi othungayo inciphisa i-credit yakho ekhoyo kwaye yenza kube nzima ukuhlangabezana nemfuneko yokuchitha imali kwibhonasi yokubhalisa.