E hoʻokomo i kāu mau pūʻulu waiwai me nā kālā o ke kau.
ʻO ka meaʻoiaʻiʻo ka hōʻailona American Card Card no For
- ʻO ka poʻe pono e makemake ana e hoʻonui i ko lākou mau pūkoi me nā kāleka kāleka kāleka.
Manaʻoʻia nāʻikeʻike
- Maikaʻi i ka maikaʻi (700+).
E pili ana i ka hōʻai'ē pono KālekaʻAmelika
Nā mea pāʻani
- Nā uku kālā-uku keu e komo i kāu pūnaewele mālama kālā.
- ʻAʻole palena i nā uku i loaʻa.
- Hiki ke kūʻaiʻia nā kumukūʻai no ke kālā, ka heleʻana, nā kāleʻa makana, a me nā mea kūʻai.
ʻAi
- Pono e loaʻa ka hanohano kūpono e kūpono.
Nā uku
- ʻElua mau helu ma ke kālā no nā kūʻai a pau.
Nā APRs
- 13.99% ma ke kuai.
- 0% no nā mahinaʻehiku i ka hāʻawiʻana i nā hoʻololi, a laila, ka uku kūʻai.
- Paʻi'āpana APR:ʻaʻohe.
Nā uku
- ʻAʻole uku makahiki.
- Ka uku hoʻoili pale kau: 4% o ka nui.
- Late uku uku: E hiki i $ 35.
- Ka uku uku hōʻaihoʻiʻia: E hiki i $ 25.
ʻO ka ponoʻo ka hoʻomaikaʻiʻana i ka Hōʻike KinohiʻAmelika
Keʻano likeʻole ka palapala hōʻai'ē KinohiʻAmelika e like me ka Fidelity Investment Rewards Visa Signature Card, me ka hoʻololi nui hoʻokahi: loaʻa iāʻoe 2% kālā ma kāu mau kūʻai, ke hoʻohālikeʻia me 1.5% me ka palapala Visa.
ʻAʻohe'ē aʻe,ʻano like lākou. ʻAʻole he uku makahiki, a aia 13.99% APR ma nā kūʻaiʻana. Ponoʻoe e maikaʻi i ka hōʻailona maikaʻi e kūpono. Loaʻa he 0% APR ma nā hoʻololi kauʻana no nā mahinaʻehiku mua; ʻO ka uku hoʻolimalima kālā he 4% pakeneka.
Hiki ke kiʻi Amex i nāʻanoʻokoʻaʻekolu, e pili ana i keʻano o kaʻike Fidelity āu e loaʻa nei. Hāʻawiʻia ka hōʻai'ē kālā KālekaʻAi Moku'āina i kāu mau uku i kāu pūnaewele mySmart Cash Account a iʻole kāu hōʻike hoʻoili. ʻO ka Fidelity Retirement Rewards KālekaʻAmelika Kāleka e waiho i kāu kālā i kahi Pono IRA e like me ke kālā o ka manawa.
ʻO ka Fidelity Investments 529 Kuleana Kuleana Ka PalapalaʻAi Moku KānanaʻAmelika e hoʻopuka i nā kālā kālā i loko o hoʻokahi aʻoi aku paha mālama pono 529 pūnaewele mālama kālā. ʻO nā lālā o kaʻohana - e noʻonoʻo i nā kūpuna a me nāʻohana'ē aʻe - hiki ke hoʻohui i kā lākou kāleka i ka helu 529 e loaʻa ai nā uku hou aʻe. Hiki iāʻoe ke hoʻokaʻawale i kāu uku i waena o nā helu helu he nui.
Loaʻa iāʻoe ka helu 5,000 - ma ka hoʻolimalimaʻana i $ 2,500 - loaʻaʻoe i $ 50 i nā uku i laweʻia i loko o kāu pūnaewele Fidelity. Hiki iāʻoe ke koho e ho'ōla i kou mau helu no ka heleʻana me nā lāʻaʻohe pōuliuli, mea kūʻai, a me nā palapala hōʻailona. ʻAʻole he palena i ka nui o nā uku kālā āu e hōʻiliʻili ai, akā e pau nā pane ma hope o nā makahikiʻelima.
Manaʻo
Heʻoi aku ka maikaʻiʻoi aʻe i ka Fidelity Investment Rewards Visa Signature Card, no ka mea e uku ana i ka uku pākēlua pākēka me ka 1.5%. Ma waho aʻe o kēlā, ua like nā kāleka like. ʻOiaʻiʻo, inā makemakeʻoe i ka Visa ma luna o Amex, a laila e loaʻa iāʻoe ke kāleka'ē aʻe.