Khusela ishishini lakho ngomgca omkhulu wekhredithi
Njengomnini-shishini lomncinci, ukuba nekhadi lesikweletu elifanelekileyo liyinxalenye ebalulekileyo yokukhuseleko lwezezimali kunye nokuthula kwengqondo. Xa ukhathazekile ngokuqhuba ibhizinisi lakho nokukhonza abathengi bakho, into yokugqibela ofuna ukuxhalaba ngayo nokuba ingaba ikhadi lakho lekhredithi liyakukuhlawula okanye liyakukukhonza kakuhle.
Kuloluhlu, uza kufumana amanqaku amakhredithi asemgangathweni kubanini bamashishini abancinci. Abanye bakhokhela imali yokubuyisela imali kwiindleko zakho ezinkulu zoshishino, abanye banikela ngepesenti zepesenti zenkxaso yexesha lokuqala, okanye unokufumana umvuzo wokuhamba ukuhlawula iindleko zeendleko zakho zokuhamba.
01 Ibhonasi yokuBhalisa ibhetele: Chase iNkampani ebandakanyekayo
Uninzi lwamashishini amancinci ngamakhadi wesikweletu anikezela ibhonasi yokubhalisa xa usebenzisa imali ethile kwiinyanga ezimbalwa zokuqala ukuvula iakhawunti yakho. Nge-Chase Ink Business Preference Credit Card, uza kufumana amanqaku amabhonasi angama-80 000 emva kokuchitha i-$ 5,000 kwiintlawulo zokuqala kwiinyanga ezintathu zokuqala. Ibhonasi ye-80K ixabisa ukuya kuma-$ 1,000 kumvuzo wokuhamba xa uhlawulela kwi-Chase Ultimate Rewards.
Ngokuqhubekayo, uya kufumana amanqaku amathathu nge dollar kwi-$ 150,000 yokuqala oyisebenzisayo kwiindidi zoshishino ngamnye ngonyaka. Oku kuquka ukuthenga owenzayo ekuhambeni, ukuthumela, intanethi, ikhefu kunye nefowuni, kunye neendaba zoluntu / okanye i-injini yokukhangela ukuthengwa kweentengiso. Zonke ezinye zakho Ukuchithwa kweeNkcukacha zeeNkampani ezikhethiweyo Ukuthengwa kufumana iqondo elingenamkhawulo nge dollar.
Sebenzisa ukuxosha ithuluzi lokubuyisela kwi-intanethi - Hlanganisa iMvuzo emihle-ukuhlawulela i-airfare, iihotele, ukuqashisa imoto, kunye neendawo zokuhamba kunye neengongoma zakho zixabisa ngaphezulu kweepesenti ezingama-25.
Intengo ebalulekileyo : APR i-16.99 ukuya kwi-21.99 iphesenti. Intlawulo yaminyaka yonke i-$ 95 kwaye akukho mali yokuthengiswa kwamanye amazwe.
02 Eyona ndlela ihamba phambili yeCash Rate Cash Back: Capital One Spark Cash
Nge-Capital One Spark Cash, ishishini lakho lifumana imali yokufumana ibhonasi yemali eyi-$ 500 nje ngokuchitha i-$ 4,500 eentengo zokuthenga kwiinyanga zokuqala ezintathu zokuvula i-akhawunti.
Ngokuqhubekayo, ukuthengwa kwekhadi lakho lesikweletu kukufumana imali engapheliyo yeepesenti ezimbini. Akukho zigaba ezikhethekileyo zokugcina kunye kwaye akudingeki ukuba usebenzise imali yakho ukuze ufumane imivuzo eyongeziweyo. Ukuba uchitha kakhulu kwi shishini lakho, unethuba lokufumana amawaka eedola ngembuyekezo ngonyaka. Hlawulela umvuzo wakho naliphi na ixesha nakweyiphi na imali. Akukho nto yokuhlengwa.
Intengo ebalulekileyo : Thenga i-APR: 17.99 ekhulwini. Imali yonyaka i-$ 0 kunyaka wokuqala, i-$ 95 emva koko kwaye akukho ntlawulo yokuthengiswa kwamanye amazwe.
03 Iindlela ezihamba phambili zokuhamba ngeeNkulumbuso ze-Premium: I-Business Platinum Card evela kwi-American Express
I-Platinum Card yase-American Express ihlawula iinqanaba ezintlanu nge dollar kwiinqwelo-moya kunye neehotele ezihlawulwa kuqala xa ubhala ngeimextravel.com. Emva koko, fumana amanqaku ama-1.5x nge dollar kwiintengo ezifanelekileyo zokuthengwa kwee-$ 5,000 okanye ngaphezulu-ukuya kwezigidi ezimbini; kunye nenqaku elilodwa nge dollar kuyo yonke into. I-Amex inikela ngamaphesenti angama-35 eengongoma zakho emva kokuba usebenzisa iMbuyekezo Yobulungu ukuhlawula yonke into okanye inxenye yokufumana imali efanelekileyo. Jabulela umrhumo werhafu ye-airline ngonyaka we-airline ongayifaka isicelo kwiimali ezinje ezifana neengxowa ezikhethiweyo kunye nokuthengwa kwendiza.
Uya kuba nethuba lokufumana u-75,000 Imivuzo yobulungu njengobhonasi bhaliso. Okokuqala, uza kufumana amanqaku angama-50,000 Amalungelo eMbuyekezo emva kokuchitha i-$ 10,000. Emva koko, fumana amanqaku angaphezulu kwama-25,000 xa usebenzisa ii-$ 10,000 ngaphezulu ekuthengeni okufanelekileyo kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho.
Ixabiso elibalulekileyo : Kukho imali engama-$ 450 yonyaka kwaye akukho mali yokuthengiswa kwamanye amazwe.
04 Ilungelelaniso lokuTshintshiselana kweeMali: Hlukana neNkampani yeCash Cash Credit Card
Ukuba udinga ukudlulisela ibhalansi kwenye ikhadi lekhredithi okanye ukufuna ukuthenga imali enkulu ukuthenga nokukhusela umdla, i-Chase Ink Business Cash Credit Card inomyinge omdala kakhulu. Jabulela i-APR yesingeniso sokugqibela ekuthengeni nasekuthengisweni kwemali kwiinyanga ezili-12 zokuqala.
Fumana i-$ 500 yeBhonus Cash Back xa usebenzisa ii-3,000 zamaRandi ekuthengeni kwiinyanga ezintathu zokuqala emva kokuvula i-akhawunti yakho. Ukufumana imali eyi-5 yeepesenti kwi-$ 25,000 yokuqala kwiintengo ezidibeneyo kwiivenkile zokubonelela ngeeofisi, i-intanethi, ikhebula kunye neenkonzo zefoni nganye ngonyaka. Iipesenti ezimbini zeemali kwi-$ 25,000 yokuqala echithwa kwiitishi zegesi kunye neevenkile; kunye neepesenti enye engenamkhawulo emva kwayo yonke into ekuthengiweyo.
Ixabiso elibalulekileyo : I-APR rhoqo i-14.49 ukuya kuma-20.49 yeepesenti kwaye akukho ntlawulo yonyaka.
05 Eyona ndlela ifanelekile kwiiNkonzo zeeFree: SimplyCash Plus Business Card iKhadi kwi-AmEx
I-SimplyCash Plus Business Credit Card evela kwi-American Express yikhadi lekhredithi elifanelekileyo kakhulu yokufumana imali kwii-ofisi zee-ofisi. Uya kufumana imali engama-5 eepesenti kwi-ofisi yokuthengwa kweeofisi kunye nokuthengwa kweenkonzo ezingenazintambo ezivela ngqo kwiinkonzo zabase-US. Emva koko, thola imali emithathu kwipesenti ezikhethiweyo ezikhethiweyo ozikhethileyo ukuya kwii-50,000 ngonyaka ngamnye wekhalenda; kunye neepesenti enye zibuyisele imali kuyo yonke into.
Uza kuba nakho ukuchitha ngaphaya komda wakho wesikweletu, ukuya kwisixa esithile kuxhomekeke kwimbali yakho yentlawulo, irekodi yemboleko, izibonelelo zemali kunye nezinye izinto ezichazwe yi-American.
Imilinganiselo ebalulekileyo : Jabulela ipesenti yeepesenti u-APR ekuthengeni kweenyanga ezi-9 zokuqala. Emva koko, i-APR rhoqo iya kuba ngu-13.49, 18.49, okanye i-20.49 ipesenti kuye kuxhomekeke ekutyala kwakho. Akukho ntlawulo yonyaka.
06 Best Airline: CitiBusiness / AAdvantage Platinum Khetha i-World MasterCard
Nge-CitiBusiness / AAdvantage Platinum Khetha i-World MasterCard, uya kufumana amawaka angama-60,000 ase-American Airlines AAdvantage bonus emva kokuchitha i-$ 3,000 kwiintlawulo zokuqala kweenyanga ezintathu zokuvula i-akhawunti. Yiyo, thola iililesi ezimbini kuyo yonke idola oyichithayo ekuthengeni ishishini lokukhetha kuquka izitishi zegesi kunye nokuthenga okufanelekileyo kwe-American Airlines kunye neyela elilodwa nge dollar kuyo yonke into.
Ibhonasi yokubhalisa kunye nemivuzo inkulu; ezongezelelweyo iimpahia zibeka eli khadi ngaphezu kokhuphiswano. Uya kufumana ithikiti le-American Airlines Companion xa uchitha i-$ 30,000 okanye ngaphezulu ngonyaka; ulondoloze ama-25 ekuthengeni kweenqwelo-moya kwiindiza ze-American Airlines; kunye ne-fly fly ukukhetha iindawo kwi-American Airlines ezihamba ngeenqwelo-moya ukuya kuma-7,500 ambalwa ama-Avantvantage miles. Hlola isikhwama sakho sokuqala mahhala kwaye ufumane ibhodi ekhethiweyo kwiinqwelo zasekhaya zase-American Airlines.
Intengo ebalulekileyo : I-APR rhoqo i-16.99 ukuya kuma-24.99 ekhulwini. Intlawulo yaminyaka yonke i-$ 95 kwaye akukho mali yokuthengiswa kwamanye amazwe.
07 Eyona ndlela yokwakha iNgxowa-mali yeZimashishini: I-Wells Business Business Card ephephile
Ukuba ufuna ukuseka okanye ukuvuselela ikhredithi yakho yebhanki, khangela i-Business Wells Fargo Business Credit Card. Unokwenza idiphozithi phakathi kwama-$ 500 kunye ne-25,000 zamawaka ukukhusela umda we-credit card. I-Wells Fargo iya kuphinda ihlaziye i-akhawunti yakho ngokukhawuleza ukuba iqinisekise ukuba ikuphucula kwikhadi lekhredithi elingakhuselekanga. Ixesha lexesha lokuhlaziywa kunye nokuguquka kuyahluka. Ngenxa yoko, kubalulekile ukuphatha i-akhawunti yakho ngokuhlakanipha.
Fumana i-1.5 yeepesenti emva koko ufumane imali yakho ngokuzenzekelayo njengetyala kwi-akhawunti yakho okanye ekuhloliseni kwakho i-akhawunti okanye ukugcina i-akhawunti nganye kwikota. Akukho zigaba zenkcitho okanye iifowu kwimali o imivuzo onokuyifumana.
Ixabiso elibalulekileyo: Inzala yemali yiNtloko + 11.90 ekhulwini. Kukho umrhumo wonyaka wama-25 ngekhadi kwaye akukho mali yokuthengiswa kwamanye amazwe.