Amakhadi ekhredithi yokuhamba yindlela enhle yokuhlawula ukuhamba kwakho, nokuba ngaba iindiza, amahotele , iinqwelo zokuhamba okanye iimoto eziqashisayo. Amakhadi ekhredithi yokuhamba ahlawula amawaka okanye amanqaku ekuthengeni kwakho ngekhadi lakho lesikweletu. Emva koko, emva kokuba uqokelele inani elithile lembuyekezo, unokuhlawulela umvuzo wakho wokuthengwa kwempahla okanye usebenzise umvuzo wakho njengesitatimende ukukhupha ukuhamba okukhishwe ekhadini lakho. Eyona ndlela yamakhadi ekwereti ahamba phambili anika umvuzo omkhulu kunye nezinye izinto zokuhamba.
Iingcebiso ezikhawulezayo zokukhetha iRhafu yeeKhenketho kwikhadi leKhariti
Ngokuqhelekileyo, i -APR yekhadi lesikweletu iya kuba yinto ebalulekileyo ekukhetheni ikhadi lekhredithi. I-APR ibaluleke kuphela xa uceba ukwenza i-balance kwikhadi lakho lekhredithi kuba i-APR ephantsi ithetha ukuba uya kuhlawula umyinge. Awufanele uhlawule umdla kwikhadi lesikredenti lokuhamba ngoba uhlawula umvuzo owenze kwikhadi lesikweletu. Oko kuthetha ukuba ufanele uhlawule ngokuhlawula ibhalansi yakho ngokupheleleyo kwaye ungalokothi uhlawule ngaphezu kokuba unako ukuhlawula.
Ungakhethi ikhadi lekhredithi yokuhamba ngokusekelwe kwisibonelelo sokudlulisela ibhalansi . Ukulinganisela okudlulileyo akufumani umvuzo kwaye uthatha i-credit ekhoyo ukuba ungayisebenzisa ukufumana ibhonasi yakho yokuqala. Akunjalo kuphela, ukulinganiswa kokudluliselwa kwemali kubandakanya imali yokudlulisela imali , iindleko ezongezelelweyo ezikhupha nayiphi na imivuzo oyifumana kwikhadi.
Emva kokuba uvunyiwe ukuba ukhethe ikhadi lokuthenga ngetyala, qiniseka ukuba ugcina i-akhawunti yakho evulekile, esebenzayo, kwaye efanelekileyo ukuphepha ukulahlekelwa ngumvuzo wakho.
Eyona ndlela ihamba phambili kwiCards Credit
Kukho ininzi yamakhadi okuthenga ngetyala ekhethekileyo ukusuka kuyo kwaye ukuthelekisa nabo bonke bathatha iiyure. Ngezantsi uluhlu lweendlela ezihamba phambili zokufumana umvuzo wemakhadi-ngxowa-mali, aqokelelwe kwiindidi ezithile.
Uninzi lweFlexible Redemption
I-Barclaycard Ukufika I-World Elite Mastercard
Izibonelelo eziphezulu:
- Ibhonasi enkulu yokubhalisa
- Izinketho zokukhulula
- Umlinganiselo weFICO wamahhala kwi-Intanethi
Ezinye iikhadi zamatyala ezihambayo zenza imiqobo malunga nendlela onokuzihlawulela ngayo umvuzo wakho, umz. Kuphela ukuhlala kweehotele. I-Barclaycard Ukufika I-World Elite MasterCard ikuvumela ukuba uhlawulele umvuzo kwisitatimende sekhredithi kunoma yiluphi uhambo lokuhamba ngexesha nje ukuthengwa kwakho kwenziwa kwimihla eyi-120 yokugqibela.
Uza kufumana amaphuzu ebhonasi angama-50 000 xa usebenzisa i-$ 3,000 kwiintsuku zokuqala ezingama-90. Ibhonasi ye-50K ifanele i-credit statement ye-$ 500.
I-Arrival Plus i-World Elite MasterCard ihlawula amanqaku angama-2 kuwo onke amathengi. Uninzi lwamakhadi ekhredithi ahamba kunye neprogram yomvuzo ehamba phambili ehlawula umvuzo omkhulu ekuthengeni kwezohambo. Ngala makhadi, ukwandisa imivuzo kudinga ukuhamba ngaphezulu. Esi sakhiwo somvuzo esincinci senza kube lula ukuqonda ukuba zininzi iimvuzo zakho ezizakufumana.
Ngaphezulu kwembuyekezo oyifumanayo ekuthengeni, uza kufumana ama-5 ekhulwini abuyele ngokukhulula. Ukuhlawulela imivuzo engama-50,000 kunokukuvumela ukuba ufumane amanqaku amabhonasi angama-2 500. Ungasebenzisa umvuzo wakho ekuhlawuleleni kwakho okulandelayo.
Unokuzihlawulela umvuzo wakho ngemali okanye kwiirhwebo, kodwa umvuzo awufanelekanga xa ukhulula ngale ndlela.
Intlawulo ye-$ 89 yonyaka ikhutshwe ngonyaka wokuqala kwaye akukho mali yokuthengiswa kwamanye amazwe.
Iimpawu zokubala : Inkqubo yokufumana umvuzo wendlela ebonisa ukuba ayikho indlela yokwandisa imivuzo ngaphandle kokwenza ukuhlengwa.
Eyona mveliso ayikho Imali Yonyaka yokuThuthwa kweeKhariti zeKhariti
Ikhadi leRewards yokuBhawula iBhanki
Izibonelelo eziphezulu:
- 20K amanqaku ebhonasi
- Ukuhlengwa kweFlexible
- Akukho ntlawulo yonyaka
Ininzi yamakhadi ekhredithi ahamba phambili ahlawula umrhumo wonyaka, ubuncinane ngonyaka wesibini kunye nonyaka emva koko. Ukuba ukhangele ikhadi lekhredithi yokuhamba eliza kunika ixabiso elikhulu ngonyaka emva kweendleko zonyaka, ungaboni ngaphezu kweKhadi leMbuyekezo yemivuzo yeBhanki.
Fumana amanqaku amabhonasi angama-20,000 xa wenza i-$ 1,000 ekuthengeni kwiintsuku zokuqala ezingama-90 zokuvula i-akhawunti yakho. Imfuno yokuchitha imali iphantsi ngokuthelekiswa namanye amanqaku amaninzi ekweretheni, kwaye ezinye zazo zifuna i-$ 3,000 okanye i-$ 4,000 yokuchitha ngexesha elifanayo. Amanqaku akho ebhonasi angama-20 angakhululwa kwi-statement ye-200 yemali yeentengo ngokuthengwa kohambo olwenziwe kwikhadi lakho lesikweletu.
Ukuthenga kwakho kuzuza amanqaku angama-1.5 kuwo wonke ama dollar ochitha kuyo yonke into yokuthenga. Unokufumana imivuzo eyongeziweyo xa uthengwa xa unayo enye i-akhawunti yaseBhanki yaseMelika. Umzekelo, ukuba unayo i-akhawunti yaseBhanki yaseMelika yokujonga okanye yokugcina i-akhawunti, uza kufumana ibhonasi yamanani e-amakhasimende angama-10 kuyo yonke into oyithengayo. Yaye, ukuba uyinkokhelo yeBhanki yaseMelika yeBhanki yaseMelika, ibhonasi yakho inokunyuka ukuya kuma-25 ukuya kuma-75 ekhulwini kuye kuxhomekeke kwinqanaba lakho leenzuzo.
Kukho ukuguquguquka okukhulu ekuhlawuleleni umvuzo wakho njengokuba uzuza. Sebenzisa ikhadi lakho ukuhamba ngokuhamba, uze uhlawule amanqaku akho kwi-credit statement. Awunqatshelwe kwiwebhusayithi ethile okanye iintsuku kwaye iingongoma zakho zingasetyenziswa kwiindiza, ihotele, iipakethi, iinqwelo zokuhamba, iimoto eziqashisayo, okanye iimali zentlawulo.
Akukho kuphela umrhumo wonyaka, akukho mali yokuthengiswa kwamanye amazwe ekuthengeni kwezinye iirharensi.
Iimpawu zokubaleka : I-BankAmericard Travel Rewards Card inebhonasi engaphantsi kwezona zinto ezinye iikhodi zekredithi zokuhamba. Ngokuqinisekileyo, eli khadi alinayo imali yonyaka, ngoko kukho indawo yokuthengisa. Iprogram yomvuzo wendawo elula yenza ukuba kube lula ukwazi oko uza kuzuza, kodwa kwenza kube nzima ukukhulisa umvuzo ngaphandle kokuba unayo iBhanki yaseMerika ukujonga okanye ukugcina i-akhawunti.
Elilungele ukuhlala kwiihotele
I-Starwood ekhethiweyo yeKhadi leNkcazo yeNdwendwe evela kwi-American Express
Izibonelelo eziphezulu :
- 5x Starpoints ezifumanekayo kwihotele ze-Starwood
- Ikhono lokutshintshela amaphulo kwiimitha zamanxweme
Ngekhadi leKhangelo leNkxaso yeNdwendwe evela kwi-American Express, ufumana ama-Starpoints angama-25,000 emva kokuba usebenzisa ikhadi lakho ukwenza i-$ 3,000 ekuthengweni kwiinyanga ezi-3 zokuqala ukuvula ikhadi lakho lekhredithi.
Ngokuqhubekayo, uza kufumana ama-Starpoints ama-5 kuyo yonke idola oyisebenzisayo kwihotele ze-Starwood, ii-Starpoints nge-dollar kwiihotele zeMarriott Rewards kunye ne-Starpoint nganye nge-dollar kuyo yonke into. Ukuba uhlala kwiindawo ezininzi ze-Starwood okanye ze-Marriott, uza kuba nethuba lokufumana ezininzi ze-Starpoints. Ngaphandle koko, ufumana i Starpoint enye kwidola ngalinye ochithayo.
Hlaziya ama-Starpoints akho ngobusuku bakhululekile kwiimpawu ze-Starwood eziquka iSt Regis, W Hotels, Westin, ezine Iingqungquthela ze-Sheraton, i-Luxury Collection, i-Aloft, i-Sheraton, ne-Tribute Portfolio. Kufuneka uhlawule inkokhelo yenkonzo kwezinye ihotele kunye neendawo zokungcebeleka.
Unokujika ii-Starpoints zakho kwiimitha zokuhamba kwaye uhlawulele iindiza zamahhala kuma-airline angaphezu kwama-150. Iingongoma zingaphinde zithunyelwe kwiiprogram ezithile zeenqwelo zeenqwelo-moya eziqhelekileyo, ngokubanzi kwisiseko esisodwa. Uya kufumana ibhonasi ye-5,000 Starpoints xa udlulisela amanqaku angama-20,000 kwinkqubo ehamba phambili yeflaya.
Kukho imali engama-$ 95 yonyaka oye yachithwa ngonyaka wokuqala kwaye akukho mali yokuthengiswa kwamanye amazwe ehlawulwayo xa usebenzisa ikhadi lakho ukuthenga ngezinye iirhafu.
Iidrabacks : Eli khadi aliyi kuba lixabiso elikhulu ngaphandle kokuba uhlale kwiimpawu ze-Starwood okanye i-Marriott rhoqo. Ibhonasi yokuqala ibingaphantsi kwekhadi lesikweletu elihlawula imali yonyaka. Awukwazi ukufumana ibhonasi ukuba ufumene enye ibhonasi kwikhadi lekredithi yase-American Express.
Ibhonasi enkulu
Chase Sapphire Reserve
Izibonelelo eziphezulu :
- Ibhonasi enkulu yokubhalisa
- Ikhenda lokuhamba ngonyaka
I-Chase Sapphire Reserve inomnye weebhonasi ezinkulu zokubhalisa kwanoma yiliphi ikhadi lekhredithi - ukuhamba nokunye. Iintlawulo zabanikazi bamakhadi abanamaqhosha ama-bonus angama-50 000 emva kokudibanisa imfuneko yokuchitha imali eyi-4,000 kwiinyanga ezintathu zokuqala. Ibhonasi ye-50K ixabisa i-$ 750 ukuya kwindlela yokuhamba xa uhlawulela amaphuzu akho ngokuShawula iMvuzo emihle.
Uza kufumana amanqaku ama-3 nge dollar ekuhambeni nasekudleni ukuthenga kunye ne-1 iphuzu nge dollar kuyo yonke into. (Amanqaku amaninzi amakhredithi aneenkqubo eziphathekayo zihlawula umvuzo omncinci wokuthenga ukutya.)
Amaphuzu akho axabisa ama-50 ekhulwini xa uwasebenzisa ukuhamba ngokuhamba nge-Chase Ultimate Rewards. Ngoko, amaphuzu ebhonasi angama-50,000 ayenene amanqaku angama-75,000.
I-Chase Sapphire Reserve inezinto ezininzi ezimangalisayo: i-$ 300 yemali yokuhamba ngetyala iyakubuyisela ngokuzenzekelayo ukuthengwa kohambo oye wahlawulisa kwikhadi lakho.
Fumana i-100 yemali yentlawulo yesicelo kwi-Entry Global okanye kwi-TSA PreCheck, iinkqubo ezivumela ukuba uhambe kwi-moya ye-moya ngokukhawuleza. Kumele usebenzise iKhadi lakho lokuSebenza eliKhethwe yiChase Sapphire ukugqiba isicelo kwaye uhlawule umrhumo. Fumana iinkcukacha ezongezelelweyo malunga neprogram ye-Entry Global, esebenza ngabathengi base-US kunye noKhuselo lweMida, ngokuya kwi-globalentry.gov. Ukufumana ulwazi olungakumbi nge-TSA PreCheck, eqhutywa yi-US Administration of Security Security, tyelela i -.gov.
Fumana iPrase Priority Pass Khetha ubulungu obunikeza ukufikelela kwii-lounges ze-900 + zee-airport.
Ukuba uye waqhawula amaphuzu kunye nezinye ihotele okanye amaphulo e-airline ungadibanisa umvuzo wakho wenzuzo enkulu. Chase inikezela nge-1: 1 iphuzu lokudlulisela kwiinkqubo zenkampani yeenqwelo-moya kunye neenkqubo zeentlondi.
Kukho imali engama-$ 450 yonyaka we-card holder kunye ne-$ 75 eyongezelelweyo kumsebenzisi ngamnye ogunyazisiweyo. I-Chase Sapphire Reserve Preferred Reserve ayihlawulisi imali yokuthengiswa kwamanye amazwe.
Imirhumo : Imali engama-$ 450 yonyaka iyabiza kwaye kufuneka ihlawulwe ngenyanga yokuqala yokuba nekhadi lesikweletu ukuphepha umdla kunye nokuphepha ukulahlekelwa ixabiso lembuyekezo. Awukwazi ukufumana ilungelo lokufumana ibhonasi xa ufumene enye ibhonasi ukusuka kwi-Chase kwiinyanga ezingama-24 ezidlulileyo.
Ixabiso eligqwesileyo
Chase Sapphire ekhethiweyo
Izibonelelo eziphezulu :
- Ibhonasi enkulu yokubhalisa
- Ikhono lokudlulisa umvuzo kwezinye iiprogram
I-New Chase Sapphire Amakhadi abathandayo afumana amanqaku angama-50 000 emva kokuchitha i-$ 4,000 xa kuthengwa kwiinyanga ezi-3 zokuqala kweakhawunti. Ibhonasi ye-50K ixabise i-$ 625 yeehambo xa uhlawulela ngeThuluzi lokubhuka kwe-Chase, i-Chase Ultimate Rewards. Unako ukufumana amaqhosha amabhonasi angaphezulu ama-5 000 xa ukongeza umsebenzisi ogunyazisiweyo kwaye wenze ukuthenga kwakho kokuqala kwiinyanga ezi-3 zokuqala kweakhawunti.
Uza kufumana amabini amabini ekuhambeni nasekudleni kwiivenkile kunye nendawo enye nge dollar kuyo yonke into. Imiphumo yakho ixabisa ngaphezulu kweepesenti ezingama-25 xa uzikhulula ngokuShawula iMvuzo emihle. Oko kuthetha ukuba ama-bonus angama-50,000 angama-62,500.
Akukho mihla emnyama okanye izithintelo zokuhlala xa usebenzisa imivuzo yakho yokubhuka.
Unokwenza i-1: 1 iphuzu lidluliselwe kuyo nayiphi na amaqabane ohambo lukaChase aquka uMzantsi-ntshona , iMarriott kunye ne-British Airways.
Imali ye-$ 95 yonyaka ikhutshwe ngonyaka wokuqala. Akukho mali yokuthengiswa kwamanye amazwe ehlawulwa kwiKhadi elikhethiweyo likaSafira.
Iimpawu zokungabikho : Izinto ezihamba phambili aziyiyo yonke indawo njengeChese Sapphire Reserve, kodwa i-Preferred iseyona ikhadi lekhredithi elihamba phambili, ngokukodwa kubathengi abangenakho ukuhlawula imali engama-$ 450 yonyaka. Njenge-Chase Sapphire Reserve, unokufumana kuphela amanqaku ebhonasi ukuba awufumani enye ibhonasi ukusuka kwi-Chase kwiinyanga ezingama-24 zokugqibela.
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