Shandisa mari uye shandisa mibayiro yako pakufamba
Chimwe chikomborero kadhi rechikwereti inzira inofadza yekuwana mubayiro nokuda kwekutenga kadhi rako rechikwereti. Izvo zvakanakisisa zvepfungwa zvikomborero zvine mabhizimisi makuru ekure uye mipuro mikuru mikuru. Shandisa kadhi rako rechikwereti kuti uite zvishoma (kana makiromita) zvaungashandisa pakufamba, makadhi emakadhi nezvimwe zvinhu. Heano ndiyo yakanakisisa iyopo mibayiro yemakadhi emakadhi anowanikwa ikozvino.
01 of 06
Zvakanakisisa Kwazvo: Chase Sapphire Reserve
Kutendeseka kweChase The Chase Sapphire Reserve ndiyo mubayiro wokutanga wekadhi rechikwereti - imwe ine mabhonasi makuru ekuisa mabhizimusi, mari yepamusoro uye yepamusoro mari yegore.
Ngatitange nepurogiramu yemubairo. Chase Sapphire Reserve inoratidzira matanho matatu pamadhora ekufamba, kusanganisira mahotera, mataresi uye zvitima; nhatu nhatu pamadhora ekudya pasi rose; uye imwe pfungwa pamadhora kune zvimwe zvose. Pfungwa dzinokwana makumi mashanu kubva pazana paunodzikinura kuburikidza neChase Makomborero. Hapana misi yakasviba kana zvipingamupinyi paunokwanisa kuregera mubairo wako.
Kufanana neChese Sapphire inofanirwa, Chase Sapphire Reserve inobhadhara mazana mashanu emabhonasi mapepa mushure mekushandisa $ 4,000 pamatenga mumwedzi mitatu yekutanga yekuvhura nhoroondo. Asi, neChase Sapphire Reserve, bhonasi inokwana kusvika $ 750 mufambiro kana iwe uchidzikinura pfungwa dzako kuburikidza nechikwata chekutsvaga paChine online: Chase Ultimate Rewards.
Bhonasi yokupupurira ichangobva kutanga kweChase Sapphire Reserve yezvinhu zvinoshamisa.
Vashandi veKadhi vanogamuchira $ 300 gore roga roga chikwereti chinogona kudzikinurwa nokuda kwekutengesa kutengesa kunoitwa pamakadhi. Iwe uchagamuchira $ 100 yemari yekubhadhara mari yechikwata che Global Entry kana PreCheck. Zvimwe zvinowanikwa neChase Sapphire Reserve zvinosanganisira kupinda kune nzvimbo dzekuchengetedza ndege uye mavhesi akakodzwa emotokari ne National Car Rental, Avis uye Silvercar paunotora nekadhi rako.
Mitengo inokosha: Mari yegore negore inokwana $ 450 yemari yegore yekutanga wekadhi uye $ 75 yemari yegore yevamwe vashandi vanobvumirwa (kusvika 4). Hapana mari yekubhadhara kune dzimwe nyika.
02 of 06
Mhanya-Mhanya, Akanakisisa Kwazvo: Chase Sapphire Anosarudza
Kutendeseka kweChase The Chase Sapphire Inosarudzwa ndeimwe hukuru hukuru hunopa kadhi rechikwereti pamusika. Urongwa hwekubhadhara huri nyore nyore, mari yegore negore inonzwisisika, uye kadhi ine imwe yemabhonasi makuru ekunyora.
Nekutsvaga Sapphire Inofanirwa, iwe uchawana mbiri mbiri yedhora rose raunoshandisa mukufamba uye uchidya paresitorendi uye imwe nhamba ye dollar pane zvimwe zvose. Kunyange zvazvo Chase ichikupa zvakasiyana-siyana zvekuregererwa, mapepa anokwana 25 kubva muzana apo iwe unoshandisa Chase Makomborero Ekupedzisira kuti udzikinure mubairo wako.
Sebhonasi yekucherechedza, iwe uchawana mapeji ebhonasi 50,000 mushure mekunge uchishandisa $ 4,000 pakutenga mukati memwedzi mitatu yekutanga kwekuvhara kwekaunti. Pfungwa dzinokwana $ 625 paunodzikinura kuburikidza neChase Ultimate Rewards.
Kana iwe uri nhengo yemamwe mapurogiramu ekuvimbika uye uchida kubatanidza nhu, iwe unogona kutora pfungwa 1: 1 kuhotera yeChase nevanoshanda navo. Vamwe vashoma vanobatanidza Southwest Airlines Rapid Makomborero, United MileagePlus uye Marriott Makomborero.
Mitengo Inokosha: Usabhadhara mari yekutengeserana kune dzimwe nyika pamitengo yaunenge uchiita mune dzimwe mari Mari ya $ 95 yegore negore inodzingwa mugore rokutanga.
03 of 06
Zvakanakisisa nokuda kwekufambisa kwekufamba: Capital One Venture Rewards
Kutendeseka kweCheart One Nokuda kwekugadzirisa zvishoma muhutano hwako hwekuwana mibairo, tarisa Capital One Venture Makombodhi kadhi rechikwereti. Gamuchira zvisingagumi mamiriyoni maviri nedhora pazvinhu zvose zvaunotenga. Kunyanya uwane mazana emabhonasi 50 000 kana wapedza $ 3,000 pamatenga mukati memwedzi mitatu yokutanga.
Kununura mibayiro kunongova nyore uye kusingabatsiri sekuwana mari. Ingozvidzikinura zvikwereti semashoko ekukwereta nezvekutenga kwako kutengesa.
Mitengo inokosha: Mari ye $ 95 yegore negore inodzingwa mugore rokutanga, uye inotyisirwa gore rega rega pamwedzi wako wekuyeuka. Hapana mari yekubhadhara kune dzimwe nyika.
04 of 06
Best Promotion Rate: Citi ThankYou Unofarira
Kutendeseka kweCiti Citi ThankYou Kadhi yakakoshesa inokwereta mapeji maviri pamadhora ekudya nekuvaraidza; imwe pfungwa ye dollar pane zvimwe zvose. Iwe unogona kuwana mapeji asina kukwana uye pfungwa dzako hadzina kupera. Dzosera mapepa emakadhi echipo, maropafadzo ekufambisa, kana kushandisa pa Amazon.com kana BestBuy.com.
Somutengi weCiti, unogona kunakidzwa neCiti Price Rewind, chinhu chinokudzosera iwe zvigadziridzo zvekutengesa. Nzvimbo yacho inotsvaga mutengo wakaderera pane zvinhu zvakanyoreswa zvawakatenga neCiti yako kadhi uye unodzorera musiyano pakati pemutengo wawakabhadhara uye mutengo wakaderera. Zvose zvaunofanirwa kuita ndezvokunyora chinhu, Citi inobata basa rose.
Mitengo Inokosha: Citi ThankYou Inofanirwa inopa 0% yemutambo wokutanga APR kwemwedzi gumi nemashanu pakutenga uye kuwedzerwa kweyeri. Mushure mokunge nguva yekupedza ipera, APR inogara ichange yava 14.49 kusvika 24.49 muzana. Hapana mari yegore negore.
05 of 06
Best Airline: Southwest Rapid Rewards pamwe Credit Card
Kutendeseka kweChase Zvose zvinowanzoitika zvinoda kadhi rekwereti yemakadhi mune mari yavo. I Southwest Rapid Rewards Plus Chikwereti Chekwereta inopa zvisingabatsiri zvikamu zviviri zvemadhora paSouthwest Airlines uye mamwe hotera uye kutengesa motokari; ipapo, imwe pfungwa ye dollar pane zvimwe zvose.
Gamuchira makumi mana emabhonasi mapepa paunoshandisa $ 1 000 pakutenga mukati memwedzi mitatu yekutanga yokuzarura akaunti yako. Kunyanya kugamuchira zviuru zvitatu zvemakore gore rimwe nerimwe pamakadhi ako. Iwe unogona kuregera pfungwa dzako kune dzimwe nyika dzendege, motokari, mahotera ehotera, kukodzwa kwemotokari uye makadhi emakadhi.
Mari yegore negore yeSouthwest Airlines Mipiro Plus Credit Card inodarika $ 69. IYe Premier Premier version yekadhi inouya ne $ 99 yemari yekubhadhara gore rose, inovandudza bhizimusi yegore rino kusvika 6,000 points uye haina mari yekubhadhara kune dzimwe nyika.
06 of 06
Best Hotel: Hilton HHonors American Express
Kutendeseka kweAmerican Express IHilton, imwe yemaketani epahotera akakurumbira munyika, inewo imwe yezvikomborero zvezvirongwa. NeHilton HHonors American Express, ona magwaro manomwe nedhora rekugara kwehotera mukati mehutorikoti yeHilton; zvikamu zvishanu pamadhora ezvokutenga zvinowanikwa kuUnited States restaurants, zvipasitete uye magasi. Wana zvikamu zvitatu pamadhora pazvinhu zvose zvakakodzera kutenga.
Shandisa $ 1 000 pamatenga mukati memwedzi mitatu yekutanga yekuvhura account yako uye uwane 50,000 Hilton Honors bonus points. Ikopa re Hilton rinosanganisira Hilton Hotels & Resorts, Embassy Suites naHilton, DoubleTree naHilton, Waldorf Astoria Hotels & Resorts, Hilton Garden Inn nezvimwewo.
Tsvaga Silvers chiitiko nekadhi rekwereti. Nechivigiro cheSirivheri, iwe pachako uchange uine 15 muzana bonus paHalton Honors base yaunotaura iwe unowana, unogamuchira husiku hweusiku huse hwega huripo pahotera dzekugara uye unakidzwe nezvikwereti zvepahotera sekutaridzika kwekombiyuta uye nguva yekuongorora.
Shandisa $ 20,000 pamatoro akakodzera paKadhi yako mugore rekarenda uye uwane Hilton Honors Gold Hali yegore rose uye kuburikidza nokuguma kwegore rinotevera rekarenda. Nzvimbo yegoridhe inosanganisira zvinhu zvose zveSirivheri Mutengo, pamwe chete inokupa bonus ye25 muzana yeHilton Honors Base Points yaunowana, yega yega yega yega yega yega yega neyekugadziriswa kwekamuri zvichienderana nekuwanikwa.
Mitengo inokosha: Hapana mari yegore negore.
Mashoko emakadhi emakadhi anoenderana nekuchinja. Tarisa nekadhi kadhi rechikwereti nemitemo uye mamiriro ekupedzisira.