E loaʻa nā uku mai nā wahi āu i makemake ai e kūʻai
Hoʻopiliʻia nā kāleka kālepa me kahi brand store and occasionally sister stores owned by the same company. E hāʻawi iāʻoe i nā kāleka kāleka i ka hiki ke hōʻiliʻili i nā uku i hiki iāʻoe ke hoʻohana i kahi kūʻai e hiki mai ana. Hiki ke hāʻawi aku kekahi mau kāleka kāleka i nā hana kūikawā kūikawā e hiki ai iāʻoe ke uku i kou palekana i ka manawa.
E hoʻomanaʻo i ke kālā kūikawā ma nā kāleka kāleka kiko'ī,ʻo ia hoʻi, ka manaʻo i hoʻolālāʻoleʻia. Ponoʻoe e uku i kāu palekana piha i ka manawa kālā kūikawā, iʻole, e loaʻaʻoe i ka hoihoi hoihoi hou mai i ka lā i hoʻomaka mua aiʻoe i kāu moʻokāki.
Ke kohoʻoe i kahi kāleka kāleka kūʻai, e nānā i nā uku a me nā haʻawina, ke kālā kūikawā, ka uku uku, a me kou hiki ke hoʻohana i ka kāleka kālepa no ka kūʻaiʻana ma waho o kēlā hale kūʻai.
01 No nā meaʻaʻahu: Gap Visa
E hōʻailonaʻia no ka Gap Visa a loaʻa iāʻoe he 20 pakeneka mai kāu kūʻai aku ma ka pūnaewele a me ka hoʻokuʻuʻana. No ka meaʻo ka Gap Visa he kāleka kāleka i kālepaʻia,ʻo ia hoʻi ua hui pūʻia me kahi pūnaewele nīkini maʻamau nui, hiki iāʻoe ke hoʻohana ia mea ma waho o nā hale kūʻaiʻo Gap ma kahi o nā kāleka kāleka Visa e'āponoʻia.
Me kāu Gap Visa, loaʻa iāʻoe heʻelima helu no kēlā me kēia $ 1 i lilo i GAP, Old Navy a me Banana Republic; a 1 ka helu no kēlā me kēia $ 1 i nā wahi'ē aʻe. E loaʻa iāʻoe he $ 5 uku no kēlā me kēia 500 mau helu āu e loaʻa ai. Hoʻonui aku i ka hoʻonui 10% hou aku i kēlā me kēia lā e kūʻai aiʻoe i nā hale kūʻai kūʻai maikaʻiʻo Gap a me Gap, me nā makana kūikawā i kou lā hānau.
Ma hope o kou loaʻaʻana he 5,000 mau helu i ka makahiki kahiki, e hoʻomaikaʻiʻiaʻoe i ke kūlana Gap Silver e hāʻawi iāʻoe he 20% o ka uku hoʻopiʻi kaʻina kālā, ka uku pūnaewele kūʻole me ka kūʻaiʻole i ka palena liʻiliʻi e pono ai, ʻO kou lā lā kūʻai. "
Ka uku nui : APR he 25.74 pakeneka aʻaʻole he uku makahiki.
02 No nā Hana Hana: Nā meaʻoni "R" Us MasterCard
Inā kūʻai pinepineʻoe no nā mea hana a me nā mea pēpē paha,ʻo ka Toy "R" Us MasterCard he mea nui ia i loko o kāu pēke. No ka mea he MasterCard ia, hiki iāʻoe ke hoʻohana i kahi o ka MasterCard i hāʻawiʻia ai, e hāʻawi iāʻoe i ka hiki ke loaʻa i nā uku hou ma kāu mau kūʻaiʻana.
Ke noiʻoe no ka pūnaewele pūnaewele, e loaʻa iāʻoe ka koho e loaʻa ai he 15 pakeneka mai kāu kūʻai mua aiʻole kālā kūikawā (ma ka kūʻaiʻana ma'ō aku o $ 299). ʻO ke kālā kūpono e hāʻawi iāʻoe i ka koho e uku i kāu kūʻai i ka manawa a pale aku i ka ukuʻana i kekahi uku.
E loaʻa iāʻoe nā heluʻelua no ka kālā ma nā mea pāʻani "R" Us a me nā keiki hānai "R" Us e kūʻai ana a hoʻokahi helu no kēlā me kēia $ 4 lilo i nā kūʻai kūʻai MasterCard. E loaʻa iāʻoe he $ 5 i ka "R" Us Dollars Mākaʻi no kēlā me kēia māhele 125 āu e hōʻiliʻili nei.
Ka uku nui : APR he 26.99 pakeneka aʻaʻole he uku makahiki.
03'Okela no ke Kelepona: Kānae Kiʻi Kūʻai Loa
ʻO ka Best Buy Credit Card e hāʻawi iāʻoe e loaʻa nā uku i hiki iāʻoe ke noi i nā kūʻai kūʻai Best Buy. A iʻole paha, me kekahi mau kūʻai, hiki iāʻoe ke koho no ke kālā kūikawā e hāʻawi iāʻoe i ka maʻalahi e uku i nā kūʻaiʻana i ka manawa.
E loaʻa i ka 10 ōna pakeneka i nā uku ma kāu kūʻai muaʻana. E koho i waena o 5 pakeneka hoʻi i ka uku a iʻole ka hōʻano maʻalahi. Ināʻoe ma ke kālepa no nā meaʻenehana nui a me nā mea kani,ʻo ka Best Buy Credit Card he mea nui ia e loaʻa ai nā uku iʻole e uhaki i kāu kūʻai i loko o ka uku a ke pale aku i ka uku.
ʻO ka lōʻihi o ka manawa no ke kālā kūikawā e pili ana i kāu kālā kūʻai: kūʻai i $ 199 a loaʻa iʻeono mahina kālā kālā; kūʻai i $ 399 a loaʻa i ka loaʻa he 12 mahina uku kālā; ʻo nā mea kūʻai nui o ka mea kūʻai i ka loaʻaʻana he 18 mau mahina kūikawā kūikawā.
Ka uku nui :ʻO ka APR mau he 26.49 pakeneka aʻaʻole he uku makahiki.
ʻO ka mea maikaʻi no ka uku kūʻai / Online kūʻai: Amazon Prime Store Card
Ua uku aku ka Amazon Prime Store Card i 5 pakeneka kālā no nā kūʻai a pau āu e hana nei ma Amazon.com. Nui pū me kāu Amazon Hanohano (makemakeʻia e kiʻi i ke kāleka), eʻoluʻoluʻoe i nā lā kūʻaiʻelua i nā kūʻai a pau.
Loaʻa iāʻoe ke koho e koho ai ma waena o 5 mau kālā kālā kālā aiʻole kālā kūikawā ma ka kūʻaiʻana ma luna o kahi nui. ʻO ka kūʻaiʻana ma kahi o $ 149 e hiki ke loaʻa i nā kālāʻeono mahina me ka $ 599 aʻoi aku paha iʻoi aku ka hoʻolālā kūikawā no nā malama he 12. ʻO kekahi mau mea e hiki ke kohoʻia no nā mahina heʻumikūmālua. Inā hiki iāʻoe ke uku i ke koena i piha i loko o 30 mau lā,ʻoi aku ka maikaʻiʻoi aku o ke kālā kālāʻelima.
E hoʻomanaʻo i ka Amazon Prime Card Card e hoʻohana waleʻia ma Amazon.com,ʻaʻole ia he meaʻino e nānā i ka kohoʻana o nā huahana a Amazon. Ināʻoe e hoʻonui i ka $ 2,000 ma nā kūʻai kūʻai Amazon i ka makahiki,ʻo ka uku o ka uku kālā e hāʻawi iāʻoe e wāwahi i kāu mau lālā i kohoʻia e $ 99 i kēlā me kēia makahiki.
Ka uku nui :ʻO ka APR he 25.99 pakeneka aʻaʻole he uku makahiki.
05 He mea nui no ka kūʻaiʻana aku i kēlā me kēia manawa: Kālaikaʻi REDCard
ʻO ka haʻawina kālāʻelima i hāʻawiʻia me ka Target REDCard he paʻakikī e paʻi. Hiki i nā mea kūʻai kūʻai ke loaʻa i ka uku kūʻai heʻelima ma nā mea pono a pau ma ka hale kūʻai a me nā kūʻai kūʻai kūʻai i kēlā me kēia lā,ʻoiai ma kahi kūʻai kūʻai kūʻaiʻo Starbucks. Hoʻohanaʻia ka hoʻolimalimaʻana i nā kūʻai i kāu hanaʻana iā lākou -ʻaʻoleʻoe e hōʻiliʻili i nā uku a iʻole e huli i nā palapala hōʻoia no ka loaʻaʻana o ka pōmaikaʻi. E loaʻa iāʻoe ke kelepona liʻiliʻi ma luna o nā mea i kūʻaiʻia ma Target.com.
Loaʻa he mau hanana no ke kūʻaiʻana i ka hoʻoemi, me kaʻole i kaupalenaʻia i: nā kaulana, nā lawelawe o nā lawelawe ma nā pahuhopu a me nā mea nānā i ka nānāʻana, nā kāleʻa kāleka a me nā kāleka i kākoʻoʻia, a me nā pūnaewele kikowaena ma Target.com.
Loaʻa iāʻoe kekahi 30 lā hou e hoʻihoʻi i nā mea i kūʻaiʻia ma Target a me Target.com. E hoʻomaopopo i ka hoʻopukaʻana i ka palapala kālai'āina o ka Target REDCard e pili ana i kāu milike helu a me nā kūʻai i kūʻai pololei mai kāu moʻokāki. ʻOiaʻiʻo, me ka hōʻailona kāpena kāpili,ʻaʻole he hoihoi e hopohopoʻole aʻaʻoleʻoe e uku i ke kaulike kāleka kāleka.
Ka uku nui :ʻO ka APR he 23.90 pakeneka aʻaʻole he uku makahiki.
06 No ka mea maikaʻi maikaʻi: Macy American Express
Me ka Macy's American Express, e mālamaʻoe i 20 pakeneka ma nā kūʻai āu e hana ai i ka lā e wehe aiʻoe i kāu moʻokāki a me ka lā aʻe aʻe no ka mālamaʻana i kahi kālā he $ 100. No ka paʻaʻana o ka kāleka me American Express, hiki iāʻoe ke hoʻohana i nā wahi a pau eʻaeʻia ai ka American Express. E loaʻa iāʻoe heʻelima helu no kēlā me kēia kālā i hoʻohanaʻia ma kāu kāleka kāleka a loaʻa iāʻoe he $ 10 i ka Star Money i ka manawa āu e loaʻa ai i 1,000 mau helu. E hana ana i $ 10 ma nā uku no kēlā me kēia $ 200 lilo ma kāu kāleka kāleka.
Hoʻounaʻo Macy i kona mau mea kūʻai kālā nui Star Passes. Hāʻawi kēia mau hopena i ka hiki iāʻoe ke hoʻopakele i 25 pakeneka i kekahi lā āu e koho ai inā lōʻihiʻoe e hoʻohana ai i kāu Macy's American Express no kāu kūʻai.
Hiki i kāu mau kūʻai ke kōkua iāʻoe e hoʻokō i ke kūlana gula a me Platinum a loaʻa i nā uku hou. Loaʻa nā kūlana kūʻai kūʻokoʻa o nā Gold a me nā Platinum ma ka kūʻaiʻana o Macy. E loaʻa i nā hui o Platinum heʻelima kālā i hoʻi i nā uku me ka loaʻaʻole o nā kumu.
Palekana Nui :ʻO ka APR he 26.49 pakeneka,ʻo ka uku kālā o nā haole eʻekolu pakeneka o ka hoʻolālā, aʻaʻole he uku makahiki.
07 No nā Mea Mea Pono no ka Mea Hana: Kāpena Kāpena Barn Credit
ʻO ka Pīpī Barn Credit Barn kekahi o nā uku uku kiʻekiʻe loa o kekahi kāleka kāleka, kāleka kāleka kūʻai a pēlāʻole. Loaʻa hoʻi iā ia kekahi kaʻana haʻahaʻa-haʻawina, i hoʻohālikelikeʻia me nā kāleka kāleka'ē aʻe.
Me ka Pīpī Barn Credit Barn, e loaʻa iāʻoe he 10 pakeneka o ka uku ma nā kūʻai a pau āu i hana ai ma Pottery Barn, Pottery Barn Kids a PB paha. Ma loko o ka makahiki, hiki iāʻoe ke komo i nā manawa e loaʻa ai nā uku pālua. E loaʻa iāʻoe kahi palapala hōʻailona $ 25 no kēlā me kēia $ 250 āu e hoʻolilo ai ma kāu kāleka kāleka. Ponoʻoe e hoʻohana i kāu uku 180 mau lā mai ka manawa i hoʻopukaʻia ka palapala hoʻolālā. ʻO nā helu i hoʻohanaʻoleʻia i ka hōʻailona hōʻoia e pau ke ola ma hope o 36 mau mahina.
Inā kūʻaiʻoe i kahi kūʻai ma kahi o $ 750, hiki iāʻoe ke koho i waena o 10 pakeneka ma nā uku a 12 mau mahina kālā kūikawā. E lawe i ka uku inā hiki iāʻoe ke uku koke i ka palekana - hikiʻoe i waho ma ka lōʻihi.
Palekana Nui :ʻO ka APR he 17.99 pakeneka aʻaʻole he uku makahiki.
08 Nā mea maikaʻi no ka home: Ke kāleka kāleka kālepa
Ināʻoluʻoluʻoe i ka kūʻai aku ma nā pūnaewele no nā mea kūʻai hale kūʻai i ka hoʻemiʻana,ʻo ka kāleka kāpili kāpili paha he kālekaʻoe e pono ai. Ke'āponoʻiaʻoe, e loaʻa iāʻoe he 10 pakeneka mai kāu papa hana mua a me ka manawa kūpono e loaʻa ai ka kālā kālāʻole no nā mahina he 24, ma muli o kāu kālā kūʻai. ʻAʻole ka pānaʻi mua e pili i nā hoʻolaha o kēia manawa a ua palenaʻia i $ 5,000.
Loaʻa iāʻoe ka koho e koho i ke kālā kūikawā ma nā kūʻaiʻana ma hope o kāu weheʻana i kāu pūnaewele. ʻO ka kūʻai ikiʻana no ka hoʻolimalimaʻana iʻeono mau makahiki he $ 249; ʻO 12 mahina ka $ 499; ʻO 18 mahina he $ 1,499; ʻO 24 mahina he $ 1,999.