E ukuʻia no kāu lilo
ʻO nā kāleka kāleka kālā kahi o nā kāleka kāleka maikaʻi loa. ʻO ke kālā holoʻokoʻa. ʻO nā kāleka kāleka ma kēia papa inoa e uku kālā i nā uku ma ka kūʻaiʻana i ke kāleka. Loaʻa kekahi i nā bonus hōʻailona. ʻO kekahi poʻe i loaʻa i nā waiwai nui ma luna o ke kuaho. Loaʻa i kahi kōkua kōkua? E hōʻoia i ka papa inoa o nā kāleka maikaʻi maikaʻi loa e koho i kahi maikaʻi loa iāʻoe.
01 Best Overall: Nui Nui Loa Quicksilver Rewards
Hiki ke paʻakikī i ka mālamaʻana i nā kāwai uku uku a hoʻololi i kāu kālā e hoʻonui i kou uku. Ināʻoe eʻimi ana i kahi kāleka hōʻai'ē kōkua maʻalahi,ʻo ka mea kūʻai nuiʻo Capital One Quicksilver Rewards.
Me ka Capital One Quicksilver Rewards, loaʻa iāʻoe he 1.5 keu kālā kālā ma nā kūʻai a pau. A he hōʻailona hōʻailona hōʻailona, loaʻa i nā kāpena hou $ 150 ka uku kālā ma hope o ka liloʻana i $ 500 i loko o nā mahina muaʻekolu o ka weheʻana i ka helu.
I kēia mahinaʻoʻApelila 2018, e hoʻihoʻi i 50 pakeneka i ka wā e hoʻohana aiʻoe i kāu kāleka Quicksilver Rewards e uku ai no kāu kau inoa manawa Spotify Premium.
Palekana Nui: Eʻoluʻolu i kahi pakenekaʻole o ka APR ma nā kūʻaiʻana a me nā hoʻololi kauʻana no nā mahinaʻeiwa. Ma hope o kēlā,ʻo ka APR mauʻia he 13.99 i ka 23.99 pakeneka. ʻAʻole he uku makahiki. Mai uku i kekahi uku kālā ma nā kūʻaiʻana ma waho oʻAmelika Hui PūʻIa.
02 Aia maikaʻi loa: eʻike iā ia
He aha ka meaʻoi aku ma mua o ke kāleka hōʻai'ē kālā uku? ʻO kahi kālā hōʻai'ē kālepa maikaʻi e hele mai me nā mea pili. Ma mua o ka loaʻaʻana o nā pīkole'ē aʻe i hoʻolakoʻia e ka Discover It card, e kamaʻilio e pili ana i ka papahana uku.
Lawe nā mea kūʻai i ka waiwai he 5% o ka waiwai a hiki i $ 1,500 ma nā kūʻaiʻana i nā kāpili e hoʻololi ana i kēlā me kēia kahā. ʻO nā kūʻai'ē aʻe a pau he 1 pene kālā hou. Loaʻa kēia i nā kūʻai ma luna o $ 1,500 ma nāʻano bonus. Ma mua o ka pākuhi hōʻoia mua,ʻikeʻokoʻa a pili pono i nā kālā a pau āu e loaʻa ai i ka hopena o kāu makahiki mua.
ʻAʻole i pau ka uku o kāu uku a hiki ke kūʻai houʻia no kekahi nui i kēlā me kēia manawa. Hiki iāʻoe ke uku i kou uku ma nā mea a pau ma ke kauoha Amazon.com.
I kēia manawa no nāʻili. Me nā hōʻailona hōʻemi hou loa, pono nā kiaʻi e mālama i ka hoʻohanaʻana i kā lākouʻike pilikino. ʻIkeʻia nā hoʻolaha helu helu ola mālama olaʻole, e hoʻomaopopo iāʻoe inā loaʻa kāu'āpanaʻike iʻikeʻia ma nā pūnaewele kūpono.
ʻAʻoleʻoe e hopohopo e pili ana i kekahi mea e hoʻohana ana i kāu kāleka i nalowale aiʻole iʻaihueʻia. Hiki iāʻoe ke hoʻokuʻu i kāu moʻokāki ma o ka pūnaewele pūnaewele a iʻole ka pūnaewele pūnaewele e pale ai i nā hana hou. Ināʻikeʻoe ma hope aku i kāu kāleka kāleka, hiki iāʻoe ke hoʻomaopopo wale i ka hoʻomaka e hoʻohana hou. Hoʻomaopopo kēia iāʻoe i ke kelepona i ka lawelawe mea lawelawe e loaʻa i kahi kāleka hōʻailona hou i hoʻounaʻia iāʻoe.
ʻO ka noho ma luna o kāu heluʻai'ai'ē he mea nui ia no kou ola olakino. Loaʻa iāʻoe kahi pūnaewele FICO wale nō i kēlā me kēia mahina me kāu'ōlelo kāleka kāleka.
Palekana Nui:ʻO ka Discover it Card ke hele mai me kahi pakenekaʻole o ka APR no nā mahina he 14 i ka kūʻaiʻana a me nā hoʻololi kauʻana. Ma hope iho o ia,ʻo ka APR mau manawa he 11.99 i ka 23.99 pakeneka. ʻAʻole he uku makahiki.
03'Okela no kēlā me kēia manawa Hoʻoponoʻana: Blue Cash Preferred American Express
ʻO nāʻohana i hoʻolimalima nui i nāʻoihana kūʻai a me ke kinoea e loaʻa i ka Blue Cash Preferred American Express. E loaʻa iāʻoe heʻeono mau kālā kālā aʻoi aku i $ 6,000 ma ke kūʻaiʻana ma nā kālepa US; 'ekolu uku kālā ma nā hale kaʻaʻea a me nā hale kūʻai o ka' Amelika; a he 1 pakeneka ma nā mea'ē aʻe a pau, me ka kūʻaiʻana i nā mea kūʻai ma luna aʻe o ka pae $ 6,000.
Hāʻawi ka Blue Cash Preferred American Express i kahi bonus hōʻailona hōʻailona,ʻoiaiʻo ka hoʻolimalima kālā eʻoi aʻe ke kiʻekiʻe. Hiki i nā mea kūʻai hou ke $ 200 waiwai ma hope o ka hoʻohanaʻana i $ 1,000 ma ke kūʻaiʻana i nā mahinaʻekolu. Ua ukuʻia ka $ 200 ma keʻano he hōʻai'ē hōʻike.
Palekana Nui: Eʻoluʻolu i ka hapalua o ka hoʻokomo APR ma nā kūʻai a me nā hoʻololi palekana no 12 mau mahina. Ma hope iho o ia,ʻo ka APR mau i waena o 13.99 a 24.99 pakeneka. Aia he $ 95 makahiki makahiki.
04ʻO nā mea maikaʻi no nā Gas Purchases: Bank Americard Cash Rewards
Inā lōʻihi kou heleʻana i ka hana a iʻoleʻoe e hele nui i kahiʻoihana, hiki paha iāʻoe ke hoʻonui i ka kālā ma ka kino. Ke uku nei ka Bank Americard Cash Rewards i nā uku maikaʻi ma ka kūʻaiʻana i ke kino.
Loaʻa he 3 pakeneka kālā ma hope o ka kūʻaiʻana i ke kino a me ka 2 pakeneka ma hope o ka hale kūʻai a me nā kāleʻa nui ma ka $ 2,500 mua i ka kūʻaiʻana i nā kumukūʻai a me ka lāʻau kūʻai i nā makahiki pākahi. E loaʻa ka waiwai kālā he 1 pakeneka ma nā mea a pau.
No ke hōʻoia o ka bonus, e loaʻa iāʻoe kahi bonus kālā kālā $ 150 ma hope o kāu hanaʻana i $ 500 ma ke kūʻaiʻana i nā 90 mau lā o ka weheʻana o ka helu.
Ināʻoe he kālepa Bank of America, e loaʻa iāʻoe he bonus 10p ka uku ke ukuʻoe i kāu uku i kahi Bank of America e nānā ai i kahiʻike kālā mālama. Kālepa oʻAmelika i makemake nuiʻia e hiki i nā haumāna ke hoʻonui i ka bonus 25 ā 75 pakeneka.
Palekana Nui: Eʻoluʻolu i ka hoʻokomoʻia o ka hapalua o ka APR ma ke kūʻaiʻana a me ka hoʻoiliʻana i nā hoʻololi no nā kaumāna hoʻoili kālā 12 mua. Pono e hana i nā hoʻoili kaulike i loko o nā lā he 60 o ka weheʻana o ka helu e hiki ai ke kaʻina hoʻolimalima pāʻali. Ma hope o kēlā,ʻo ka APR mauʻia he 13.99 i ka 23.99 pakeneka. ʻAʻole he uku makahiki.
05 He mea nui no ka uku houʻana: Citi Double Cash
ʻO ka uku waiwai ma ka kūʻaiʻanaʻo ia ka maʻamau no ka hapa nui o nā kāleka hōʻai'ē maikaʻi. Hāʻawi nui ka Citi Double Cash no ka ukuʻana i kāu kaulike kāleka hōʻai'ē. ʻO ka kālepa e uku i ka uku pakeneka ma nā kūʻai a pau a i kekahi'ē aʻe 1 pakeneka ke ukuʻoe i kāu kaulike.
E kala akuʻo Citi i kāu hōʻai'ē kāleka mua loa, hiki i kahi $ 27 ma kahi uku. Inā ua lōʻihiʻoe, e ukuʻiaʻoe i kahi hōʻailona o ka hōʻailona a hiki i $ 38.
Ma keʻano he mea lawe lima Citi, hiki iāʻoe ke komo i kahi kūikawā kūikawā i nā pepa kūikawā, e like me nā pelekane presale ma o Citi Pass Pass.
Me ka Citi Price Rewind,ʻaʻole loaʻoe e minamina i ke kūʻaiʻana no ka mea uaʻikeʻoe i ia mea i hāʻawiʻia no ka uku haʻahaʻa. E kākau i kāu mau mea i kūʻaiʻia a loaʻa kahi hoʻololi kūʻai kūʻai kūpono inā e hāʻule ana ka uku o ka mea i loko o nā lā he 60 e hiki mai ana.
Palekana Nui:ʻO ka Citi Cash Cash Cash he wahi hoʻokomo i ka hapalua o ka paleʻai APR no nā mahina he 18. Ma hope o ka manawa hoʻolālā, he 14.49 i ka 24.49 pakeneka ka loaʻaʻana o ka APR palekana. ʻAʻole he uku makahiki.
06ʻO ka mea maikaʻi no kaʻaiʻana: Uber Cash Rewards Card
ʻO ka Uisa Visa Card hou, i hāʻawiʻia e Barclays, he koho nui loa ia no nā poʻe e lilo nui ana i kaʻai. ʻO ke kālepa e hoʻonui i kaʻehā pakeneka ma kaʻaiʻana, e like me ka Uber Eats; ʻekolu pakeneka hoʻi ma ka hōkele a me kaʻae; ʻelua pakeneka kūʻai hou aku ma ka pūnaewele, me Uber; a hoʻokahi pakeneka hoʻi ma hope o nā mea a pau.
Loaʻa i nā mea hou ka $ 100 bonus ma hope o ka hoʻohanaʻana i $ 500 ma ke kūʻaiʻana i loko o nā lā he 90. Hiki iāʻoe ke ho'ōla i ka bonus no ka hōʻai'ē Uber, kahi hōʻai'ē hōʻike a i nā kāleʻa makana. Hiki iāʻoe ke loaʻa nā uku palenaʻole aʻaʻole loa e pau kou uku. E mālama pono i ka mālamaʻana i kāu moʻokāki a me ka kūpono.
E hoʻolimalima i $ 5,000 aʻoi aʻe paha ma kāu kāleka kāleka i loko o ka makahiki a loaʻa iāʻoe he $ 50 kālā no nā lawelawe pūnaewele. Hiki iāʻoe ke hoʻohana i ka hōʻai'ē no ka hoʻokōʻana i ke mele a iʻole ka hoʻopaʻa inoa wikiō.
E uku hōʻai'ē no ka inikua pūlewele? E uku i kāu pālākiō pili pūnaewele me kāu kāleka kāleka a loaʻa iā $ 600 no ka hewa kīnā pūnaewele a iʻole kaʻaihue.
ʻAʻohe palena i nā uku e hiki iāʻoe ke loaʻa aʻaʻole lākou e pau i ka lōʻihi o kāu mālamaʻana i kāu moʻokūkii i ke kūlana maikaʻi. Hiki ke hoʻololi a kūʻai aku paha i nā mea.
Ka Hoʻokaʻawale Nui:ʻO ka Uber Cash Rewards Visaʻaʻole e pili ana i kekahi APRs hoʻolaha no ka kūʻaiʻana a iʻole ka hāʻawiʻana i nā hoʻololi. ʻAʻole he uku makahiki aʻaʻole hoʻi he uku kālā kālā'ē.