Hāʻawi nā Kāleʻa Kālā Kāleʻa i ka paleʻana i nā meaʻai
ʻO ka Oil Patch kekahi mau kāleka maikaʻi loa ma ka mākeke. I ka piʻiʻana o nā kumukūʻai o ka'ōmole, hiki iā lākou ke kōkua iāʻoe e hōʻemi i nā hapa o ka uku.
ʻO ka nui o nā kāleka e uku i kahi uku o 3% aʻoi aʻe paha i nā kūʻai kūʻai kino, a 1% aʻoi aʻe paha i nā kūʻai'ē aʻe. ʻO kekahi o lākou he uku nui i nā mea hou. He mau wahi APR loa liʻiliʻi kekahi.
ʻO ka hapanui o nā kāleka e kūʻai i kou uku i ka manawa maʻamau i loko o keʻano o ka hōʻai'ēʻikepili no nā kūʻai kūʻai kumukūʻai e hiki mai ana, no lailaʻaʻoleʻoe e mālama i kēia mau mea.
Ināʻoe e hele nui ma ka kaʻa, pono nā kāleka e pono ai. ʻO kā mākou mau punaheleʻelima.
01 PenFed Platinum Cashback Reward Visa Card
Hāʻawi ka peni kālā PenFed Platinum Cashback Reawina Visa i ka 5% ma hope o ka kūʻaiʻana i nā kumukūʻai ma ka pama ma kahi o ke keʻena e hoʻohana aiʻoe. Loaʻa iāʻoe he 2% ma nā supermarkets a he hoʻokahi pakeneka ma nā wahi'ē aʻe. Eia kekahi,ʻo kona mau APR mau loa e hana i kēia kāleka kekahi o nā kāleka palekana maikaʻi.
I mea e pono aiʻoe no kēia kāleka, ponoʻoe e lilo i lālā o ka Pentagon Federal Credit Union. Ināʻoe ma ka pūʻali koa a i pili paha i kekahi mea, hiki iāʻoe ke komo pū. Nui ka nui o nā kāleka maikaʻi maikaʻi i PenFed.
02 BP Visa Kāleka
Loaʻa iāʻoe he 5% hoʻi ma nā keʻena BP a me Amoco. Loaʻa iāʻoe he 2% hoʻi ma nā huakaʻi hele a me kaʻaiʻana a me ka 1% ma ka nui o nā kūʻai'ē aʻe. I loko o nā lā he 60 i hala, loaʻa iāʻoe ka uku kālā-uku,ʻo ia hoʻi, loaʻa iāʻoe he 10% ma nā kūʻai kūʻai'ūlā.
Ke loaʻa iāʻoe he $ 25 i nā kumukūʻai, hiki iāʻoe ke kūʻai i ke kālā no ka makana BP, kahi haki, a hāʻawi i ka waihona mālama mālama, a me ke aloha'āina. ʻAʻole i nui ka nui o nā uku āu e loaʻa ai i ka papahana. Loaʻa kekahi APR haʻahaʻa inā loaʻa iāʻoe.
Eia naʻe,ʻaʻoleʻoe e loaʻa nā uku i nā haleʻaiʻai wikiwiki, nā mea kūʻai nui, nā hale kūʻai hale kūʻai, nā hale kūʻai ukana a me nā hui. No laila, mai hōʻaleʻa i ka hoʻohanaʻana iā Walmart, Target, BJs a me nā like.
03 Hess Visa Papa Paʻa
Loaʻa iāʻoe kahi hoʻolimalima 3% ma ka kūʻaiʻana i ka Hess gasoline, akā i loko o nā mahinaʻelua i loaʻa iāʻoe he 10% waiwai, e like me ka BP Card. E waihoʻia he 10% uku i $ 40, akā makemakeʻoe e lilo $ 400 ma ke kino ma mua o ke pāʻana i kēlā mark.
Ma hope o nā mahinaʻelua mua, loaʻaʻoe i 3% ma hope o ka kūʻaiʻana i ka lāʻau. E ukuʻia kēia uku i $ 12 ma ka mahina, akā, ponoʻoe e lilo $ 400 i ka malama ma Hess ma mua o kou nuiʻana.
Ma nā puka o waho o Hess, loaʻaʻoe i ka 1% hope loa; ʻaʻohe palena i nā uku e hiki ai iāʻoe ke loaʻa ma kēlā mau mea kūʻai.
04 Chevron a me Texaco Visa Card
Loaʻa iāʻoe he $ .10 no ke kalani uku no ka hoʻouluʻana ma nā keʻena o Chevron a me Texaco. Me ka uku o $ 3.50 i ke galani, ua kokoke ka hoʻolimalima 3%. Eia hou, loaʻa iāʻoe kahi hoʻolimalima piha o 3% no nā kūʻai kūʻaiʻole o ka meaʻai ma loko o nā kahuaʻo Chevron a me Texaco. Loaʻa iāʻoe ke kālā piha 1% a i nā kūʻai'ē aʻe a pau,ʻoiaiʻaʻole lākou e kūʻai i nā mea kūʻai pāʻani ma nā pā kuʻi.
Hoʻopakele pinepineʻia nā kumukūʻai ma keʻano o kahi hōʻai'ē hōʻai'ē e pili ana i nā kūʻai a Chevron a me Texaco i kāu mahina aʻe. Loaʻa he $ 300 mau pale o ka makahiki ma luna o nā kumukūʻai hiki iāʻoe ke loaʻa.
I ka hoʻohuiʻoleʻana i ka uku makahiki, he APR liʻiliʻi kēia palapala, inā kūpono iāʻoe.
05 ExxonMobil Platinum MasterCard
ʻO ka uku kumu kūʻai he $ .15 no ke galani ma ke kumukūʻai kūʻai ma Exxon a me nāʻoihana Mobil i ka'āina. ʻO ka hanaʻana i kahi kokoke i 4% inā lōʻihi nā uku i lalo o $ 4 ke galani. Loaʻa iāʻoe he 0.5% hoʻi ma kāu $ 999 mua o nā kūʻai, 1% a hiki i $ 6,000, 2% ma ke kūʻaiʻana a $ 10,000, a me 1% ma nā mea a pau ma $ 10,000. He maikaʻi a maikaʻi paha ka mea ma mua o Discover a me nā kīʻaha kālā'ē aʻe he nui.
Hoʻomaopopo a kūʻai ponoʻia kou uku. I ka manawa i loaʻa iāʻoe he $ 10, loaʻa kāu uku i kāu hoʻopiʻi kāleka kāleka e hoʻohana ai i nā kūʻai kūʻai'ūlā. Hiki nā lāpili ma hope o nā makahikiʻelua ināʻaʻoleʻoe e kūʻai.
Ke kūlana kiʻekiʻe nei ka APR ma kēia kāleka, no laila e hoʻomanaʻo mau e uku i ka palekana i loko o nā mahina a pau.