Yenza inani lakho lokuthenga kwiholide ofanelweyo
Ngaba uhamba ezininzi ngezoshishino okanye ukuzonwabisa? Ukuba kunjalo, ngoko unokufuna ukubhalisela kwikhadi lekredithi elingakunceda ukufumana amanqaku okuhamba okuhamba mahhala. Kukho amakhadi enkredithi kunye namakhadi e- debit ahlawula umvuzo, unike iibhonasi zokubhalisa, kwaye zibandakanya iimpahla zokuhamba ezongezelelweyo ezifana nobusuku bamahotele, iitikiti ezithandanayo, ibhodi yokuphambili kunye nokunye. Senze umsebenzi wesikolo kwaye sijikeleze iikhedi zamakhredithi ezona zilungelelaniso ezihamba phambili, ngoko enoba uhambela eParis ukuya kwintlanganiso yebhodi okanye kwi-Ital Coast yase-Amalfi kwiholide efanelwe kakhulu kunye nosapho, siya kubonisa ukuba ungayenza njani ngaphantsi.
01 Eyona ndawo iphezulu: Chase Sapphire Reserve
INkulumbuso iChase Sapphire Reserve iza neempembelelo ezimbalwa ezihle kakhulu. Ukuqala, uza kufumana i-$ 300 yenyanga yemali yokuhamba ekhutshwayo ngokuthengwa kohambo olwenzayo kwikhadi lakho lesikweletu. Uya kufumana i-$ 100 yemali yentlawulo yesicelo kwi-Entry Global okanye PreCheck.
Unethuba lokufumana amanqaku amabhonasi angama-50 000 emva kokuchitha i-$ 4,000 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ibhonasi iyafaneleka ukuya kwi-$ 750 ekuhambeni xa uhlawulela nge-Chase Ultimate Rewards, eyi-Chase ye-intanethi yokubuyisela ithuluzi.
Ngokuqhubekayo, uya kufumana amanqaku amathathu nge dollar ekuhambeni, okuquka amahhotela, iteksi kunye neetreni; Amaphuzu amathathu nge dollar ekudleni emhlabeni wonke; kunye nenqaku elilodwa nge dollar kuyo yonke into yakho yokuthenga. Uza kufumana amanqaku akho xa uhlawulela kwi-Chase Ultimate Rewards-amanqaku afanele ama-50 ekhulwini.
Intlawulo ebalulekileyo: Intlawulo yonyaka yintlawulo ye-$ 450 yonyaka we-card holder kunye ne-$ 75 yemali yonyaka kunoma yimuphi umsebenzisi ogunyazisiweyo ongezelelweyo (ungeze ungeze kwi-ezine), kwaye akukho mali yokuthengiswa kwamanye amazwe.
02 Eyona ndawo yonke, Umgijimi: IBhanki yaseMelika iMbuyekezo yemivuzo yeKhadi leKhadi
I-Bhanki yaseMelika iMbuyekezo yemivuzo yeKharity Card inikezela kuma-$ 200 kwizikolo zemali zokuhamba ezidibeneyo. Okokuqala, unako ukunyuka kwi-100 yemali yengxelo yeentengo ze-airline ezifana nezokuphucula izihlalo, iintlawulo zempahla, iinkonzo ze-flight kunye neemali zokuhlala ezikhuphonini. Ngaphezulu, unako ukunyuka kwi-100% yentengo ye-TSA PreCheck okanye i-Global Entry Application fee, kwiminyaka emine.
Sebenzisa i-$ 3,000 kwiintsuku zokuqala ezingama-90 zokuvula i-akhawunti kwaye uza kufumana amaphuzu ebhonasi ama-50,000.
Ngokuqhubekayo, uya kufumana amanqaku amabini kuwo wonke ama dollar ochithayo ekuhambeni nasekuthengeni ukuthenga kunye neepalenti eziyi-1.5 nge dollar esetyenziswe kuyo yonke into. Akukho mida kumaphu angayifumana kwaye amaphuzu akho akapheli. Unako ukuhlawulela amaphuzu akho ngenkokhelo yemali njengengxelo yekhredithi, njengediphozithi kwi-akhawunti yaseBhanki yaseMelika okanye ekuthengeni uhambo ngeBhanki yeMerika yeZiko leZiko.
Ixabiso elibalulekileyo : I-APR i-17.24 ukuya kwi-24.24 ekhulwini, intlawulo yonyaka i-$ 95 kwaye akukho mali yokuthengiswa kwamanye amazwe.
03 Eyona nto ibalulekileyo kwiBhodi yokuPhambili: i-United MileagePlus Club Club
Ngokuqhelekileyo, kufuneka ufumane inani elithile leekhilomitha ngeprogram yeenqwelo zeenqwelo zeenqwelo zeenqwelo zeenqwelo-moya ukuze ukwazi ukufumana ibhodi yokuphambili. NgeKhadi le-United MileagePlus Club, ufumana i-perk ngokukhawuleza -kuba wena kunye nomnye umhlobo ohamba ngokuhamba okufanayo. Wena kunye neqabane lakho unokujonga kwakhona isikhwama sakho sokuqala esingenasiphelo.
NgeKhadi le-United MileagePlus Club, uzakufumana amawaka amabhonasi angama-40,000 emva kokuchitha i-$ 3,000 kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ngokuqhubekayo, uza kufumana iililesi ezimbini kuyo yonke idola oyisebenzisayo kwiitikiti ezithengiweyo ukusuka kwi-United kunye neyure enye nge dollar kuzo zonke ezinye izinto zokuthenga.
Enye i-perk enkulu: uza kufumana i-United Club yexesha elilodwa elidlulileyo ixesha ngamnye kunyaka wakho. Ezi zidlula zikunika ukufikelela kwindawo yesikhumulo sezindiza apho uzonwabela izixhobo zokuncedisa, ukutyiwa, kunye nezinye izinto eziphathekayo.
Ixabiso elibalulekileyo : I-APR i-17.24 ukuya kuma-24.24 ekhulwini ekuthengeni nasekuhanjisweni kwemali, imali engama-$ 95 yonyaka ichithwa ngonyaka wokuqala, kwaye akukho mali yokuthengiswa kwamanye amazwe.
04 I-Best Free for Free Checked Luggage: I-Gold Delta SkyMiles yase-American Express
Nge-Gold Delta SkyMiles American Express, ibhagi yakho yokuqala ihlolwe ikhululekile kwihambo nganye. Ngaphezu koko, abahlobo abasibhozo abahamba nawe kunye nokubhuka okufanayo bangajonga kwakhona isikhwama sokuqala samahhala ekuhambeni okujikelezayo.
I-Gold Delta SkyMiles I-American Express kwikhadi lesikredithi lihlawula iilidi ezingama-30,000 zebhonasi emva kokuba wenze i-$ 1,000 ekuthengeni kwikhadi lakho kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ngaphezulu uya kufumana i-credit statement ye-$ 50 emva kokuba wenze u-Delta ukuthenga kwiinyanga ezintathu zokuqala.
Ngokuqhubekayo, uza kufumana iilidi ezimbini nge dollar ekuthengeni okwenziwe ngqo kunye neDelta kunye neyure enye nge dollar kuyo yonke into oyithengayo kwikhadi lakho lesikweletu. Unokuzikhulula iikhilomitha zakho ukuya kwi-Delta kunye nabalingane abangaphezu kwe-15.
Ixabiso elibalulekileyo : I-APR i-16.99 ukuya kwi-25,99 ekhulwini, imali engama-$ 95 yonyaka ikhutshwa ngonyaka wokuqala, kwaye akukho ntlawulo yonyaka.
05 Best Tickets Companion: I-Rewards Rapid Rewards I-First Credit Card
Umvuzo we-Ntshonalanga yeeNkcazo zeNkulumbuso yeKharityi yeKharityhulam ikunika ithuba lokuba neqabane elinyukayo likhululekile kunye nawe. Okokuqala, kuya kufuneka uhambe ngeenqwelo-moya ezi-100 ezifanelekileyo okanye ufumane amanqaku angama-110 000 afanelekileyo kumnyaka wekhalenda. Emva kokuba ukhangele le bhokisi, uza kufumana iPasson Pass kunyaka olandelayo. NgePass Companion, ungakhetha umntu omnye ukuba ahambe kunye nawe ngaphandle kwexesha xa uthenge okanye ukhulule amaphuzu kwendiza.
Imivuzo yeeNkcazo zeNkulumbuso yeNtshona-mpahla i-First Credit Card ihlawula ama-50,000 amanqaku xa uchitha i-$ 2,000 kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ngaphezulu, ngamnye ngonyaka kwikhumbuzo lakho lemali, uya kufumana amanqaku amabhonasi ayi-6 000.
Ngokuqhubekayo, uya kufumana amanqaku amabini kuwo wonke ama dollar ochitha kwi-Southwest Airlines ukuthengwa okwenziwe ngqo kwi-airline; Iingongoma ezimbini nge dollar kwiiholide zeRubid Rewards kunye nokuthengwa kwemalingani yokuqeshisa imoto, kunye nenqaku elinye nge dollar kuyo yonke into.
Intengo ebalulekileyo : I-APR i-17.24 ukuya kwi-24.24 ekhulwini yokuthenga kunye nokuhanjiswa kwemali, umrhumo wonyaka i-$ 99 (ifakwe kwisitatimende sakho sokuqala senkokhelo), kwaye akukho mali yokuthengiswa kwamanye amazwe.
06 Eyona ndlela ihamba phambili kwiNkcenkcesho yoKhutshwa kweNkcenkcesho yokuCandwa
I-Chase Sapphire Ekhethwayo inikezela ezininzi izinto ezihamba phambili zokuhamba kwaye enye yamakhadi amakhredithi anika i-inshorensi yokukhansela. Unokubuyiselwa kwi-$ 10,000 ukuba uhambo lwakho lukhanselwe okanye luphazanyiswe ngenxa yokugula, isimo sezulu esinzulu kunye nezinye iimeko. Akugcini nje ukunika isiqinisekiso esincinci xa usubhalela uhambo lwakho, ungasindisa imali kwi-inshurensi eyongeziweyo ethengiswa ngokwahlukileyo kwi-arhente yokuhamba nge-intanethi.
Abanikazi bamakhadi abatsha banethuba lokufumana amanqaku amabhonasi angama-50 000 emva kokuchitha i-$ 4,000 ekuthengeni kwiinyanga ezintathu zokuqala ze-akhawunti. Xa uhlawulela amaphuzu akho nge-Chase Ultimate Rewards, ixabisa i-$ 625.
Ngokuqhubekayo, uya kuba neengongoma ezimbini kwiidola zonke ezisetyenziswe ekuhambeni nasekudleni kwiivenkile kunye nenqaku elinye nge dollar kuyo yonke into. Amaphuzu afanele ama-25 ekhulwini xa usebenzisa i-Chase Ultimate Rewards ukuhlawulela umvuzo wakho.
Intengo ebalulekileyo: I-APR rhoqo i-17.24 ukuya kuma-24.24 ekhulwini, imali engama-$ 95 yonyaka isuswa kwinyanga yokuqala, kwaye akukho mali yokuthengiswa kwamanye amazwe.
07 I-Best Best for Free Ihotele yeehotele: Citi Prestige
Imivuzo yeCiti Prestige inikezela ngokuqhubekayo kwimizuzu yesine-night kwiyiphi na hotele ozikhethayo emva kobungakanani obuncinane bokulandeleka kwebusuku obune-ThanksYou.com, i-portal yokubuyisela umvuzo weCiti.
Unyaka ngamnye, uzakufumana ngokuzenzekelayo imali engama-250 engama-kredithi yokuhamba ngomoya ngokumalunga neenqwelo-moya ezihlawulisayo kwikhadi lakho. Uya kufumana i-$ 100 yemali yemali yentlawulo yesicelo.
Uya kufumana amanqaku amathathu nge dollar ekuhambeni komoya kunye nokuthengwa kwehotele, amaphuzu amabini nge dollar ekudleni nasekuzonwabisa kunye nenye ngenye ye dollar kuyo yonke into. Unako ukukhupha amanqaku akho phantse nantoni na - ukuhamba, i-electronics, izikripthi zenkcazo kunye nokunye - kwi-ThanksYou.com. Ungaphinde uthumele amaphupha akho ukufumana iinkqubo ezifanelekileyo zokuqhuba i-airline kunye neenkqubo zeentlondi zokuthembeka.
Ixabiso elibalulekileyo : I-APR i-16.99 ukuya kuma-24.99 epesenti, intlawulo yonyaka i-$ 450 kwaye akukho mali yokuthengiswa kwamanye amazwe.