Fumana umvuzo malunga nenkcitho yakho
Amakhadi ekhredithi embuyiselo yemali ngenye yezona ndlela ezilungileyo zokuvuza amakhadi esikwereti. Ikheshi iphela. Amakhadi ekhredithi kuloluhlu ahlawula yonke imali yokubuyisela umvuzo kwimali yekhredithi. Abanye banamabhonasi amakhulu amanqaku, kwakhona. Abanye banempahla ephezulu ngaphezulu kwe-cash back. Ngaba ufuna uncedo lokucacisa? Khangela uluhlu lwemali engcono kakhulu yokubuyisela amakhadi esikwerethi kwaye ukhethe okulungileyo kuwe.
01 Ngokugqwesileyo: I-Capital One Quicksilver Imivuzo
Kungaba nzima ukuba uqhubeke kunye neentlobo zembuyekezo zebhonasi kwaye ulungiselele imali yakho ukuze ukwandise umvuzo wakho. Ukuba ukhangele umvuzo omncintsi wekhadi lesikweletu, ikhadi leNkunzi ye-One One Quicksilver Imvuzo likhethekileyo.
Ngomvuzo owodwa we-Capital One Quicksilver, uza kufumana imali engapheliyo yeepesenti eziyi-1.5 emva kokuthenga konke. Kwaye njengobhonasi bhaliso, abanikazi bamakhadi abatsha bafumana ibhonasi yemali engama-150 emva kokuchitha i-$ 500 kwiinyanga ezintathu zokuqala ze-akhawunti.
Ngoku ngoku ku-Epreli 2018, fumana i-50 ekhulwini xa usebenzisa ikhadi lakho leMbuyekezo yemivuzo ngokukhawuleza ukuhlawula i-Spotify Premium yakho ngenyanga.
Ixabiso elibalulekileyo: Jabulela ipesenti ye-APR ngomhla wokuthenga kunye nokuhanjiswa kwemali kwiinyanga ezilisithoba. Emva koko, i-APR rhoqo i-13.99 ukuya kuma-23.99 ekhulwini. Akukho mrhumo wonyaka. Musa ukuhlawula imali yokuthengiswa kwamanye amazwe ekuthengeni okwenziwe ngaphandle kwe-United States.
02 Best Perks: Fumana
Yintoni engcono kunomvuzo wokubuyisela umvuzo wekhadi lesikweletu? Imali yokubuyisela umvuzo wekhadi lesikweletu eliza neerkski. Ngaphambi kokuba sifinyelele kwii-perks ezongezelelweyo i-Discover It card inikeza, makhe sithethe ngeprogram yokuvuza.
Abanikazi bekhadi bafumana imali engama-5 ekhulwini ngemali ukuya kwii-1,500 zamaxabiso ekuthengeni kwiindidi ezijikelezayo nganye kwikota. Zonke ezinye izinto ezithengwayo zifumana i-1 pesenti yemali. Oku kuquka ukuthenga ngaphezu kwe-1,500 zama-bhondi kwiindidi zebhonasi. Kunokuba ibhonasi yokuqala yokubhalisa, Fumana ngokuzenzekelayo ufanisa yonke imali oyibuyisele yona ekupheleni konyaka wakho wokuqala.
Imivuzo yakho ayisoze yaphela kwaye ingahlawulelwa nayiphi na imali nayiphi na ixesha. Unokuzihlawulela nembuyekezo yakho nayiphi na imali kwi-Amazon.com.
Ngoku i-perks. Ngenxa yokuphulwa kwedatha yakutshanje, abathengi kufuneka bahlale beqaphele ukusebenzisa ulwazi lwabo. Ufumanisa izibonelelo zeenombolo zokhuseleko loluntu, ukukwazisa ukuba uluhlu lwakho oluchanekileyo lwenkcazelo lufumaneka kwiiwebhusayithi eziyingozi.
Awunakukhathazeka ngomntu usebenzisa ikhadi lakho elahlekileyo okanye elibiweyo. Inqaku leFreeze liyakwenza ukuba ukhulule i-akhawunti yakho ngokusebenzisa i-app yeselula okanye iwebhusayithi ukukhusela ukuthengiswa okusha. Ukuba kamva ufumanisa ikhadi lakho lesikweletu, ungayifakraza ukuba uqale ukuyisebenzisa kwakhona. Oku kukusilela umnxeba kwinkonzo yamakhasimende ukuba ube nekhadi elitsha lekhredithi elithunyelwe kuwe.
Ukuhlala phezulu kwinqanaba lakho lokuthenga ngetyala kukubaluleka kwimpilo yakho yekhredithi. Uza kufumana isikolo samahhala seFICO ngenyanga nganye kunye nesitatimende sakho sekhadi lesikweletu.
Ixabiso elibalulekileyo: Ukufumanisa iKhadi liza neepesenti ye-APR kwiinyanga ezili-14 ngokuthenga kunye nokuhanjiswa kwemali. Emva koko, i-APR rhoqo i-11.99 ukuya kwi-23.99 iphesenti. Akukho ntlawulo yonyaka.
03 Eyona ndlela ihamba phambili yokuchitha yonke imihla: i-Blue Cash ekhethiweyo i-American Express
Iintsapho ezichitha ixesha elininzi kwizinto zokutya kunye negesi ziya kuxhamla kwi-Blue Cash ekhethwa yi-American Express. Ukufumana imali engama-6 ekhulwini kwi-$ 6,000 ekuthengeni kwiivenkile ze-US; ezintathu kwipesenti zemali kwiivenkile zamagesi kunye namasebe ase-US; kunye neepesenti ezili-1 kuyo yonke into, kuquka ukuthengwa kokuthengwa ngaphezu kwe-6,000.
I-Blue Cash ekhethiweyo i-American Express inikezela ibhonasi yokubhalisa ngokukhululekile, nangona imfuneko yokuchitha imali iphinda iphezulu. Abanikazi bamakhadi abatsha baya kufumana imali engama-$ 200 emali emva kokuchitha imali eyi-$ 1,000 xa kuthengwa kwiinyanga ezintathu zokuqala. I-$ 200 ihlawulwa njengengxelo yekhredithi.
Ixabiso elibalulekileyo: Jabulela ipesenti yeepesenti yePesenti yokuqala ekuthengeni kunye nokuhanjiswa kwemali kwiinyanga ezili-12. Emva koko, i-APR rhoqo iphakathi kwama-13.99 ukuya kuma-24.99 ekhulwini. Kukho imali eyi-$ 95 yonyaka.
04 Eyona ndlela iphezulu yokuthengwa kweGesi: iBhanki yaseMelika iMali yemivuzo
Ukuba unomsebenzi omde wokuhamba okanye uhamba ngezoshishino, mhlawumbi unokuchitha imali engaphezulu kwegesi. Iibhanki zemali ze-Americanard Cash Rewards zihlawula umvuzo ophezulu kwiintengiso zegesi.
Ukufumana imali engama-3 ekhulwini ngemali yokuthengwa kwegesi kunye neepesenti ezi-2 kwi-stroke kunye neeklasi eziqhelekileyo kwi-$ 2,500 yokuqala kwi-gesi / ivenkile yokuthenga / i-wholesale club ithengwa ngonyaka. Fumana ipesenti e-1 imali emva kwayo yonke into.
Njengobhonasi bokubhalisa, uza kufumana ibhonasi ye-$ 150 yemali ekhompyutheni yemali emva kokuba wenze okungenani ama-$ 500 ekuthengeni kwiintsuku zokuqala ezingama-90 zokuvula i-akhawunti.
Ukuba ungumthengi weBhanki yaseMelika, uya kufumana ibhonasi ye-10p yepesenti xa uhlawulela umvuzo wakho kwiBhanki yaseMerika ukujonga okanye ukugcina i-akhawunti. Ibhanki yaseMelika ekhethekileyo Imbuyekezo yabaxhasi inokunyusa ibhonasi 25 ukuya ku-75 ekhulwini.
Ixabiso elibalulekileyo: Jabulela ipesenti ye-intro ye-APR ngomhla wokuthenga kunye nokuhanjiswa kwemali kwimizila yokuqala yokuhlawula i-12. Ukudluliselwa kwemali kufuneka kwenziwe kwithuba leentsuku ezingama-60 zokuvula i-akhawunti ukufumana ilungelo lokunyusa inzala. Emva koko, i-APR rhoqo i-13.99 ukuya kuma-23.99 ekhulwini. Akukho ntlawulo yonyaka.
05 Inzuzo Enhle Yokuhlawula: I-Citi kabini Imali
Ukufumana umvuzo ekuthengeni kuyinto evamile kwimininzi yembuyekezo yamakhadi ekwereti. I-Citi Double Cash ikhokhela inkuthazo enkulu yokuhlawula ibhalansi yekhadi lakho lesikweletu. Ikhadi ihlawula ipesenti ezi-1 kwimbuyekezo kuyo yonke intengo kwaye enye enye ipesenti njengoko uhlawula ibhalansi yakho.
I-Citi iya kuxolela inkokhelo yakho yokuqala yekhadi lokuthenga ngetyala, ugcine ufike kwi-$ 27 ngomrhumo. Ukuba uthe wabuyela kwakhona, uya kuhlawuliswa umrhumo wexesha elide ukuya kuma-38.
Njengomgcini wekhadi leCiti, uya kufumana ukufikeleleka okhethekileyo kwiikitikiti zomcimbi, njengamathikithi e-presale amakhonsathi ngeCiti Private Pass.
Nge-Citi Price Rewind, awusoze wazisola ngokuthenga ngenxa yokuba uyibonile ithengiswa ngentengo ephantsi. Bhalisa izinto zakho ezithengiweyo kwaye ufumane utshintsho lwamaxabiso ngokuzenzekelayo ukuba intengo yexabiso liyehla kwiintsuku ezingama-60 ezizayo.
Ixabiso elibalulekileyo: Ikhadi leCash kabini yeCash ine-percentage ye-percentage rate ye-percentage rate ye-APR. Emva kwexesha lokukhushulwa, ukutshintshwa kwemali ku-APR ngu-14.49 ukuya kuma-24.49 ekhulwini. Akukho ntlawulo yonyaka.
06 Eyona nto yokutya: I-Uber Cash Imbuyekezo yemivuzo
Ikhadi leVibisa elitsha le-Uber, elikhutshwe yiBarlaylay, likhethe kakhulu abantu abachitha ixesha elininzi ekudleni. Ikhadi lihlawula iipesenti ezine ekudleni, kubandakanya i-Uber Eats; ezintathu kwipesenti kwihotele nakwi-airfare; ezimbini ipesenti ekuthengeni kwi-intanethi, kuquka u-Uber; kunye nepesenti enye emva kwayo yonke into.
Abanikazi bamakhadi abatsha bafumana ibhonasi ye-$ 100 emva kokuchitha i-$ 500 ekuthengeni kwiintsuku eziyi-90 zokuqala. Unako ukuhlawulela ibhonasi yekredithi ye-Uber, isitatimenti sekhredithi okanye amakhadi wesipho. Unokufumana umvuzo ongenamkhawulo kwaye umvuzo wakho awupheli. Qinisekisa ukuba ugcina i-akhawunti yakho evulekile kunye nokuma kakuhle.
Sebenzisa imali engama-5,000 okanye ngaphezulu kwikhadi lakho lekhredithi ngonyaka kwaye uza kufumana iitaliti ye-$ 50 kwiinkonzo ze-intanethi. Ungasebenzisa i-credit nge-music streaming okanye i-video subscription.
Inzondo ukuhlawula i-inshurensi yefowuni? Bhatala i-bill yakho yefowuni kunye nekhadi lakho lekhredithi kwaye ufumane i-$ 600 ngomonakalo wefowuni okanye ubusela.
Akukho mkhawulo kwimbuyekezo ongayifumana kwaye ayiyi kuphelelwa ixesha elide njengoko ugcina i-akhawunti yakho ngokuma kakuhle. Amaphuzu angadluliselwa okanye athengiswe.
Ixabiso elibalulekileyo: I-Uber Cash Imbuyekezo I-Visa ayibonakali nayiphina i-APRs yokuphromotha ukuthenga okanye ukuhanjiswa kwemali. Akukho mrhumo wonyaka kwaye akukho mali yemali yangaphandle.