Nazi ezinye zeenzuzo eziqhelekileyo eziqhelekileyo zekhadi lesikredenti ezingenza imali ephezulu yonyaka ixabise iindleko ezinkulu:
Ibhonasi ye-Sign up Up Bonuse
Unokufuneka uhlawule amakhulu emadola ngaphambili, kodwa ukuba usebenzisa ikhadi lakho rhoqo, ngokuqinisekileyo uza kuphinda uhlawule yonke into okanye ininzi yemali yokuqala yonyaka-mhlawumbi kunye nemali yeminyaka yesibini, kwakhona. Eyona makhadi aphezulu kakhulu, umzekelo, unike isibhaliso kwiibhonasi ezibiza amawaka eedola ngokuhamba kwamahhala. Ngokomzekelo, ikhadi le-American Express Platinum, elihlawula imali engama-$ 550 yonyaka, linika ama-bonus angama-60,000-axabisa ama-$ 600 ekuhambeni-xa uchitha i-$ 5,000 kwiinyanga ezintathu zokuqala zekhadi. Okwangoku, iKhadi le-Chase Sapphire Reserve (i-$ 450 ngonyaka) kunye ne-US Bank Altitude Reserve ye-Infinite Visa ikhadi (i-$ 400 ngonyaka) unikezela ngamanqaku ama-bonus angama-50 000 axabisa ukuya kuma-750 e-travel free.
I mivuzo e ngakumbi
Amakhadi anemali ephakamileyo yonyaka kananjalo anikezela ngeenkqubo ezinomvuzo onamandla, ngoko ke ukuba unomthwalo osindayo, kufuneka ube nexesha elilula lokufumana iindleko zemali yakho yonyaka.
Kuxabiseke kangakanani ukuphuma kwiprogram ye-idiosyncratic yekhadi, nangona kunjalo, kwiinkqubo zakho zokuchitha imali, ngoko uya kucinga ngokucokisekileyo malunga nenkcitho yakho phambi kokuba ulungele ekhadini. Ngokomzekelo, ikhadi le-US Altitude Reserve Visa Infinite linika amaphuzu amathathu kuwo wonke ama dollar osichithayo ekuthengweni kweselula-inzuzo yokushintsha umdlalo kubanini bamakhadi abasebenzisa iifowuni zabo ezininzi zokuthenga kwabo-kunye namanye amanqaku amathathu kwiidola zonke ozichithayo ekuhambeni .
Kodwa ukuba awuhambanga rhoqo okanye usebenzisa i-wallet yakho yeselula, awuyi kufumana phantse kuwo. Ngokufanayo, ikhadi leCiti Prestige (elihlawulisa imali engama-$ 450 yonyaka) linika amanqaku amathathu kuwo wonke ama dollar asetshenziswe kwiindiza kunye namahotele kunye neengongoma ezimbini kwidola ngalinye elichithwe ekudleni nasekuzonwabisa. Kodwa ukuba ungumntu ohlala ekhaya, unokuba nzima ukufumana amaphuzu anele emva kokuba unyaka wokuqala wokukhawulela umrhumo wonyaka.
Iimpawu ezihamba phambili zokuhamba
Amanqaku amaninzi aphakamileyo ngamatyala ekhredithi anika neengxelo zemali zokuhamba zonyaka ongayisebenzisa ukuhlawula iindleko zokuhamba emoyeni, ukuhamba kweeteksi okanye ukuqeqesha amathikithi, kuxhomekeke kwikhadi. Ikhadi le-US Altitude Reserve, umzekelo, unikezela ngetyala le-$ 325 lokuhamba ngetyala onokuyisebenzisa kwi-airfare, ihotele kunye nokubhuka kweenqanawa, ukuthengwa kweenqwelo zentengiso, ukuhamba kweetekisi, uhambo lokuhamba kunye nokunye. Ikwabonelela ngamakhredithi enkxaso-mali ye-Wi-Fi. Ikhadi le-Chase Sapphi Reserve Reserve linika inkokhelo efanayo yokuhamba ngemali eyi-300. Okwangoku, ikhadi le-Citi Prestige linika i-$ 250 yeetyala zemali ongayisebenzisa kuyo nayiphi na indleko yokuhamba emoyeni, kuquka ne-airfare kunye nemirhumo yempahla, ngelixa ikhadi le-American Express Platinum linikeza i-$ 200 ukuhlawula iifizi zokuhamba ngeenqwelo zomoya, ezifana neengxowa ezikhethiweyo okanye ukutya okuphazamisayo.
Ikhadi lePlatinum linika imali engamaRandi angama-200 e-Uber ngamnye ngonyaka ukwenzela ukuba ungekho ukuhlawula ukuthuthwa okongeziweyo xa uhamba. Ukongezelela, amaninzi amakhadi anemali emithathu yonyaka ahlawula iindleko zokufaka isicelo sokungena kwi-Global Entry, okunye ibiza i-$ 100, okanye i-TSA Precheck, ebiza i-$ 85, ukuze ukwazi ukukhupha ngeendlela zokukhusela izikhumulo.
UkuPhuculo okuKodwa
Ngamaphepha amanqaku aphezulu akhredithi, uya kufumana nokufikelela kwizaphulelo ezizodwa kunye nokukhushulwa, ezinokuzongeza ukuya kumawaka eedola ngonyaka ukuba uyazisebenzisa rhoqo. Ngokomzekelo, ikhadi leCiti Prestige livuza abahamba ngexesha eli-4 bakhululekile behlala rhoqo xa ubhala ubusuku obuthathu obulandelelanayo obufanele ukuhlala kwehotele kwikhadi lakho. Okwangoku, ikariti ye-American Express Platinum inikeza izaphulelo ezikhethekileyo kunye neeprayim e-perks kwiivenkile zentengiso kunye neendawo zokungcebeleka.
Ngokutsho kweAmerican Express, ixabiso lale hotele yokunethezeka-iquka ukuphuculwa kwamagumbi okuncedisa, ii-repository zamahhala kunye neerhafu eziyi-100 zeenkonzo ze-spa okanye ezinye iinkonzo ze-hotele-zingongeza kwi-$ 550, ngokwesilinganiso. Ukuze ufumane ixabiso elikhulu kulezi zikhululekile, nangona kunjalo, kufuneka ukuba sele usisindisi esikhulu.
Iindleko zokuHlola ezongezelelweyo
Ukongezelela kwiikrediti zokuhamba kunye neeraphulelo, amakhadi aphezulu aphezulu anikezela izityezelo zokuhamba ezongezelelweyo ezenza umququzeleli ohambahambayo kunye nokulula. Ngokomzekelo, amakhadi e-premium afika ngokufikelela kwamahhala kwii-lounges apho ungakwazi ukuphumla kude kwindawo eqhutywe kuyo kwaye ujonge ukutya kunye nokusela. Amanye amakhadi, afana nekhadi le-United MileagePlus Club (imali engama-$ 450 yonyaka) kunye nekhadi lokuthenga ngetyala le-Delta Reserve (i-$ 450) nalo linika ibhodi yokuphambili ukuze ungalindelanga ixesha elide kumgca ukuze ubaleke. Ukuba uhamba ngeyona nto kwaye rhoqo usebenzise inzuzo (kwaye uhlawule) loo mizila yokuhamba , ke intlawulo yonyaka ihlawula yona.
Amakhadi ehlawuliswayo aphezulu athambekele ekunikeni ukukhusela okukhuselekileyo okuhamba, njenge-inshente yokukhansela i-inshurensi, i-inshurensi yempahla kunye nokukhuseleka kokukhawuleza kokuhamba Oko kuthetha ukuba ii-hiccups eziqhelekileyo, ezinjengeenqwelo-moya eziphosakeleyo okanye ezikhansekileyo, azixhomekekanga nje-okanye zibiza.