Loaʻa i ka heluʻai uku kiʻekiʻe? E nānā i ka ulaula āu e pono ai
Loaʻa ka loaʻaʻana o ka hōʻai'ē maikaʻi i nā'ōleka kāleka kāleka maʻamau - me nā uku nui, nā pilikino a me nā hāʻawi manawa hoʻolimalima lōʻihi. ʻO ka paʻakikī paʻakikīʻaʻole i loaʻa kahi kāleka kāleka nui, ua hoʻopiʻi i kāu mau koho i hoʻokahi wale nō. Ke koho neiʻoe i kahi kāleka maikaʻi loa no ka hōʻaika maikaʻi, e nānā i nā hōʻailona hōʻoia, nā pilina a me ka uku makahiki. E noʻonoʻo i kāu mau maʻamau maʻamau a me kāu pahuhopu no kāu kāleka kāleka - pēlā i ka loaʻaʻana o ke kālā hou a iʻole e uku i kahi palekana o nā kuhi kiʻekiʻe-e koho i ka mea pono. Loaʻa i kahi kōkua? E heluhelu i kaʻikeʻana i nā kāleka maikaʻi loa e noi ai inā loaʻa iāʻoe ka hōʻaika maikaʻi.
01 He mau makana hanohano: Chase Sapphire Preferred
ʻO ka Chase Sapphire Kāleka makemake nuiʻia ka mea maikaʻi loa i ka hōʻai'ē kāleka maikaʻi loa no nā kānaka me ka maikaʻi maikaʻi. Hiki iāʻoe ke loaʻa i nā helu bonus 50,000 ma hope o ka hoʻohanaʻana i $ 4,000 ma ke kūʻaiʻana i loko o nā mahina muaʻekolu o ka weheʻana i kāuʻike (ināʻaʻoleʻoe i loaʻa kahi bonus'ē aʻe mai Chase i loko o nā mahinaʻekolu i hala aku nei). Pono ke kumukūʻai he $ 625 i ka wā e kūʻai aiʻoe ma o Chase Ultimate Rewards, ka mea kākau pūnaewele pūnaewele Chase.
E loaʻa iāʻoeʻelua helu no kēlā me kēia kālā āu e hele ai ma ka heleʻana a me kaʻaiʻana i nā kūʻai a hoʻokahi helu no kēlā me kēia kālā āu e hoʻohana nei ma nā wahi'ē aʻe. ʻO nā kumukūʻai a pau āu e hōʻiliʻili nei, he 25 pakeneka ka nui ke loaʻaʻoe ma o Chase Ultimate Rewards. Hiki hou, hiki iāʻoe ke hoʻololi i kāu mau helu i nā polokalamu uku maikaʻi i kahi ratio 1: 1.
Me ka bonus a me nā uku, e hiki iāʻoe ke komo i nā huakaʻi kaʻahele'ē aʻe e like me ka inimahi hoʻokahuli hele, ka hoʻolimalimaʻana i ka hoʻoholoʻana, ka hoʻolimalima hoʻokokoke ukana a me ka hoʻokahuliʻana i ka hoʻohuoiʻana i nā'ōkuhi mua. Ponoʻoe e uku no kāu huakaʻi (aiʻole ka hoʻokele kaʻa) me kāu kāleka kāleka e loaʻa ai nā pono.
Palekana Nui :ʻO ka APR o ka manawa maʻamau he 17.24 i ka 24.24 pakeneka, ua hoʻokuʻuʻia ka uku makahiki $ 95 i ka makahiki mua aʻaʻohe pili kālā.
Makemake e heluhelu i nā manaʻo hou? E nānā i kā mākou kohoʻana i nā kāleka maikaʻi maikaʻi loa me nā mea hele maikaʻi loa .
ʻO ka uku maikaʻi loa o ka hōʻailona holomua: kahi kūʻai nui hoʻokahi
Me ka Card Cone Card Capital, e loaʻa iāʻoe he 50,000 bonus miles after you spend $ 3,000 ma kāu kāleka kāleka i loko o nā mahina muaʻekolu o ka weheʻana i ka helu. ʻO ia kekahi o nā kākoʻo hōʻailona nui loa o kekahi kāleka kāleka.
Ke holo nei, loaʻa iāʻoe nā mileʻelua ma ke kālā no kāu mau kūʻai. ʻO ka papa hana maʻalahi ka mea e maʻalahi ai ke hahai i nā uku e loaʻa iāʻoe. ʻAʻole ponoʻoe e hoʻololi i kāu kālā. Makemakeʻoe e loaʻa nā uku hou ma ka kūʻaiʻana? E kākau me Hotels.com a loaʻa iāʻoe he 10 mile no ke kālā inā ukuʻoe me kāu kāleka kālā nui Capital One Venture.
Nā Kūlana koʻikoʻi :ʻO ka APR mau no ka kūʻaiʻana a me ka hāʻawiʻana i ke kauʻana he 14.24 i ka 24.24 pakeneka. E hoʻokuʻuʻia ka uku makahiki makahiki he $ 95 i ka makahiki mua aʻaʻohe pili kālā.
03 Ka Palapala Hōʻike Kiʻekiʻe Loa:ʻO ka Platinum Card maiʻAkaʻAmelika
Ke uku nei ka Card Platinum mai American Express i ka loaʻaʻana o 60,000 mau lālā makana ma hope o kāu hoʻohanaʻana i kāu kāleka kāleka e hoʻolilo i $ 5,000 ma ke kūʻaiʻana i nā mahinaʻekolu.
Ke hele neiʻoe, loaʻa iāʻoe nā helu'Aiwi Loaʻaʻelima no kēlā me kēia kālā āu e hoʻolālā ai ma nā kūpono kūpono e hōʻaia ma amextravel.com a me nā huakaʻi āu e kākau nei me nāʻoihana pūnaewele a me ka Travel Express Express. E loaʻa iāʻoe kahi helu ma ka kālā ma nā mea a pau.
Lawe nā mea kuleana ma kahi $ 500 i nā kumukūʻai Uber a me kahi hōʻai'ē hoʻolālā he $ 200 i kēlā me kēia makahiki e uhi ana i nā mea likeʻole e like me nā ukana ukana, nā meaʻaʻa-ʻole a me nā uku'ē aʻe i hoʻoiliʻia e kekahiʻoihanaʻoihana akamai e koho aiʻoe.
ʻO ka uku nui :ʻO ka uku makahiki he $ 550. He kāleka kāleka kēia,ʻo ia hoʻi, e ukuʻoe i kāu kaulike i loko o kēlā me kēia mahina me ka ukuʻole.
04ʻO Kāleka Kākiʻoni maikaʻi loa no nāʻohana: Blue Cash Loaʻaʻia maiʻAmelika
ʻO ka hiki ke loaʻa i kaʻeono'ekene kālā kālā ma nā kālekeʻo US e hoʻolilo iā BlueCash Everyday mai American Express i kāleka kāleka nui no nāʻohana. E loaʻa iāʻoe kahi kālā hou ma kēlā mau mākaʻikaʻi hale kūʻai. Ke waihoʻia nei nā pākēkahoʻeono pākēkī i $ 6,000 ma nā kūʻai kūʻai kūʻai. E uku houʻoe iʻekolu kālā kālā ma nā pūnaehanaʻea ma US a koho i nā hale kūʻai o US a he hoʻokahi hapene kālā no nā mea a pau.
E loaʻa $ 200 kālā ke ukuʻoe i ka $ 1,000 ma kāu kāleka kāleka i nā mahina muaʻekolu o ka weheʻana i kāu pūnaewele. ʻO ka pōʻino,ʻaʻole e heluʻia nā hoʻoiliʻai kaulike no ka loaʻaʻana o ka bonus lilo. Ponoʻoe e kūʻai inā loaʻaʻoe i ka bonus.
ʻO ka BlueCash Kāleka Kāleka mai kahi American Express e hoʻolālā i ka haʻawina hoʻohālike APR i ka hoʻoili a me ke kūʻaiʻana no nā malama he 12 mua.
Palekana Nui :ʻO ka APR mau he 14.24 i 25.24 pakeneka. Hāʻawiʻia ka uku makahiki he $ 95 i ka makahiki mua.
05'Oke maikaʻi loa Cash Back: Eʻikeʻia
ʻO ka Discover ua ukuʻia i loko o ke kālā he 5 pakeneka kālā a hiki i $ 1,500 ma nā kūʻaiʻana i nā kāpili i hoʻololi i kēlā me kēia meena. E mālama ponoʻoe e hoʻopaʻa inoa ma ka pūnaewele a iʻole ma o ka polokalamu kelepona e loaʻa ma ka pākēneka elima pakeneka. ʻO nā kūʻai'ē aʻe a pau he hoʻokahi pakeneka kālā. Ma keʻano he uku no nā mea kope hou, e hoʻohālikeʻo Discover i ke kālā i loaʻa iāʻoe ma ka hopena o ka makahiki mua.
Hiki iāʻoe ke hoʻohana i ka haawina he 14 mau o ka haʻawina APR hoʻokomo i nā kūʻaiʻana a me nā hoʻololi kauʻana.
Hōʻike pū kekahi me ka hoʻolālāʻana iā ia, kahi pākuhi / palepa e hiki ai iāʻoe ke pale i ka hoʻohanaʻoleʻia o kāu kāleka kāleka. Loaʻa i kāu pūnaewele FICO i kēlā me kēia mahina ma kāu hōʻike kālā.
Palekana Nui :ʻO ka APR mau manawa he 11.99 i ka 23.99 pakeneka. ʻAʻole he uku makahiki.
E nānā i kā mākou mau manaʻo hou aʻe no nā kāleka hōʻai'ē kālā maikaʻi i loaʻa ma ka mākaʻikaʻi i kēia mau lā.
06 Paipai no nā hoʻoili kaulike: Chase Slate
Ke hoʻololi neiʻoe i kahi kaulike nui, hiki ke hoʻonui hou i ka uku hoʻololi pale. Me ka Chate Slate,ʻaʻoleʻoe e uku i kahi kumukūʻai palekana palekana no kēlā me kēia kaulike āu e hoʻololi ai i nā lā 60 mua i wehe ai i kāu pūnaewele. Ma hope o kēlā,ʻo ka uku kaulike he 5 pakeneka o ka huina i hāʻawiʻia aiʻole he emi iki paha o $ 5,ʻoiaiʻoi aku. Ma ka hōʻai'ē $ 10,000, e mālamaʻoe i $ 500 ma muli wale nō i ka hoʻololiʻana i kāu palekana ma mua.
Eʻoluʻolu i kahi haʻahaʻa o kahi APR hoʻokomo i ka kūʻaiʻana a me nā hoʻololi kauʻana no nā mahina he 15 mai ka weheʻana i ka helu. Ma hope o kēlā, e pili ana ka APR o 15.99 i 24.74 pakeneka. ʻAʻole he uku makahiki aʻaʻole hoʻi he hoʻopaʻi iā APR inā e neleʻoe i ka uku.
Ma keʻano he mea hoʻopukaʻai Chase, hiki iāʻoe ke noho ma luna o kāu helu'ai'ē me ka loaʻaʻana i ka helu FICO free i kēlā me kēia mahina, aʻo nā kumu nui pae e pili ana i kāu helu.
Makemake hou i ka huliʻana i kāu mea eʻimi nei? E heluhelu ma o kā mākou kūleʻa maikaʻi i kāleka i nā palapala kāleka .
07 Best Hotel: Hōʻikeʻike Kālā Kālā Kālāʻo Starwood
Ināʻoe e noi nei i kāleka kāleka e uku iāʻoe i nā uku nui no nā noho hoʻomaha, he koho maikaʻi loa ka Star Card Preferred Guest Card. Ma keʻano he mea mālama hou, hiki iāʻoe ke loaʻa 25,000 bonus ma ka ukuʻana i $ 3,000 ma ke kūʻaiʻana i loko o nā mahina muaʻekolu o ka weheʻana i kāu kāleka kāleka.
I kēia mau lā, loaʻaʻoe i elima Starpoint ma ke kālā no ka kūʻaiʻana ma nā hōkūʻo Starwood pono'ī,ʻelua Starpoints ma ke kālā no ka kūʻaiʻana ma nā huiʻo Marriott Rewards a me kahi Starpoint ma ka kālā no nā kūʻai'ē aʻe. Hiki iāʻoe ke uku i kou uku i nā noho ma nā mea SPG e pili ana, e komo pū ana me St. Regis, W Hotels, Westin, a meʻehā Points e Sheraton.
E loaʻa iāʻoe ka hōʻai'ē no nā pōʻelima aʻelua mau noho i kēlā me kēia makahiki e pili ana i kahi kūlana kūʻokoʻa SPG. Hiki iāʻoe ke hoʻololi i Starpoints a hiki i kahi 30 mau polokalamu lele lele o ka'ahamele - kekahi mau mea e hāʻawi aku iāʻoe e hoʻololi i kekahi kumu hoʻokahi.
Palekana Nui :ʻO ka APR he 16.49 i ka 20.49 pakeneka ma nā kūʻaiʻana, ua hoʻokuʻuʻia ka $ 95 makahiki makahiki i ka makahiki mua aʻaʻole he uku kālā.
Makemakeʻoe e nānā i nā koho'ē aʻe? E nānā i kā mākou alakaʻiʻana i nā kāleka hōʻaika maikaʻi loa .