ʻO nā 7 Kikokikona Kālā Loa Loa Loaʻa e Kāʻawi ai i ka 2018

01 Best Overall: Bank of America Kālā Kālā Kālā Loa

Me ke kālā kālā hōʻai'ē o ke kālāʻo Bank of America, e loaʻa iāʻoe he 1.5 mauʻai ma nā kālā a pau. No ka hōʻailona o ka bonus, loaʻa iāʻoe ka manawa e loaʻa ai 20,000 mau helu bonus ma ka pūnaewele inā e hanaʻoe i $ 1,000 ma ke kūʻaiʻana i nā 90 mau lā o ka weheʻana i kāu pūnaewele. ʻO ka bonus he $ 200 hōʻike no ke kūʻaiʻana i nā hele, me nā flights, nā hokele a me nā kaʻa kaʻa kaʻa. Aʻoi aʻe, ināʻoe he Bank of America e nānā ana aiʻole mea mālama waihona waihona kālā, hiki iāʻoe ke loaʻa he bonus 10% hou i kāu mau helu.

Paʻi Kūlana Nui : Eʻoluʻolu i ka hapalua o ka hapa hoʻokomo i ka kūʻaiʻana no 12 mau loiloi kālā. Ma hope o ia,ʻo ka APR mau he 16.24 i ka 24.24 pakeneka. ʻAʻole he uku makahiki aʻaʻohe pili kālā.

02 Kūlana maikaʻi loa, Hoʻopuka i luna: Capital One VentureOne

Me ke kālā kāleka Capital One VentureOne, loaʻa iāʻoe he 1.25 mile no ke kālā no nā kūʻai āu e hana ai ma kāu kāleka kāleka. Hiki iāʻoe ke kūʻai i kāu mile e like me ke kuhiʻike i nā kūʻai kūʻai e hana aiʻoe ma kāu kāleka kāleka. ʻAʻohe palena i ka helu o nā uku i loaʻa iāʻoe aʻo kāu ukuʻaʻole e pau.

Ma keʻano he mea mālama hou, hiki iāʻoe ke loaʻa nā mile bonus 20,000 i ka manawa e hoʻolilo aiʻoe i $ 1,000 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i kāu pūnaewele.

Paʻi Kūlana Nui : Eʻoluʻolu i ka hapalua o ka helu hoʻokomo i ka kūʻaiʻana no 12 mau mahina. Ma hope o ia,ʻo ka APR mau he 13.24 i ka 23.24 pakeneka. ʻAʻole he uku makahiki aʻaʻohe pili kālā.

Hoʻolālā maikaʻi nui: hoʻolaha i nā Miles

Me kaʻikeʻana i nā Miles, loaʻa iāʻoe he 1.5 mau mile no kēlā me kēia kālā āu e hoʻolilo ai ma ke kūʻaiʻana. Ma mua o ka hāʻawiʻana i kahi bonus me ka palena hapa palena haʻawina, eʻike i nā pilina i nā mile a pau i loaʻa iāʻoe ma ka hopena o kāu makahiki mua. Inā loaʻaʻoe i 500 mau mile, e ukuʻo Discover iāʻoe i nā mile bonus. ʻO ka bonus pili wale nō i nā mile āu e loaʻa ai i ka makahiki mua. Hiki iāʻoe ke ho'ōla i kēlā me kēia 100 mile no ka $ 1'ōlelo kālepa no ka kūʻaiʻana i ka heleʻana a iʻole ke kāwai kālā.

Hiki iāʻoe keʻoliʻoli i kekahi o nā manawa hoʻolauleʻa lōʻihi loa: he hapa pakeneka ma ka kūʻaiʻana no nā mahina he 14. Hiki iāʻoe ke kākau i kāu huakaʻi mua a lawe i hoʻokahi makahiki e uku aku me ka ukuʻole.

ʻAʻole ka uku kālā maʻamau, kahi mea nui e hele ai i nā'āina'ē. Eia naʻe, e noʻonoʻoʻaʻole e laha nuiʻiaʻo Discover ma nā'āina'ē aʻe.

Palekana Nui :ʻO ka APR mau manawa he 12.24 i ka 24.24 pakeneka. ʻAʻole he uku makahiki.

ʻO nā mea kūpono he kūpono: Blue Delta Skymiles American Express

Me ka Blue Delta Skymiles American Express, hiki iāʻoe ke hoʻohana i nā mile e hoʻohana ai i nā flights Delta me ka ukuʻole makahiki. (ʻO nā Delta SkyMiles'ē aʻe he uku makahiki.)

Hiki i nā kāleka hoʻolimalima maikaʻi ke uku i nā uku kiʻekiʻe loa ma nā kūʻai āu e hana nei me kaʻoihana airline. Ināʻaʻoleʻoe e lele pinepine, akāʻaiʻoe i nā haleʻai i ka nui, hāʻawi ke kāleka iāʻoe i kahi koho'ē aʻe no ka loaʻaʻana o nā uku ma kahi kiʻekiʻe. E loaʻa iāʻoeʻelua SkyMiles no kēlā me kēia kālā āu e hoʻolimalima ai ma Delta a me nā US kūʻaiʻaiʻana a me kahi SkyMile ma ke kālā no nā mea a pau. E loaʻa iāʻoe kahi he 20 pakeneka kālā no ka kūʻaiʻana i Delta. Ma keʻano he mea mālama hou, e loaʻa iāʻoe ka manawa e loaʻa ai nā 10,000 bonus mile ke hoʻohanaʻoe i $ 500 ma nā mahina muaʻekolu.

Paʻi Kūlana Nui :ʻO ka APR he 16.99 i ka 25.99 pakeneka. ʻAʻole he uku makahiki.

05ʻO nā kūlana maikaʻi loa, Holoholo i luna: Kāleka JetBlue

Inā hele pinepineʻoe ma ka JetBlue Airlines, he koho nuiʻo JetBlue Card no ka loaʻaʻana o nā helu āu e hiki ai ke hoʻohana i nā huakaʻi. Ma keʻano he mea mālama hou, e loaʻa iāʻoe ka manawa e loaʻa ai nā 10,000 bonus. No ka loaʻaʻana o ka bonus, ponoʻoe e lilo $ 1,000 i nā mahina muaʻekolu o kou loaʻaʻana kāu kāleka kāleka.

Ke hele neiʻoe, loaʻaʻoe iʻekolu mile no ke kālā ma ka kūʻaiʻana iā JetBlue,ʻelua mile ma ka kālā ma nā kūʻai hale kūʻai a me nā meaʻai. Hoʻonui i ka 50% o ka hoʻopakeleʻana o ka moa ma ka cocktails a me nā meaʻai i ka wā e hoʻohana aiʻoe i kāu JetBlue Card. Hiki iāʻoe ke ho'ōla i kou mau helu no kahi noho a ma kekahi manawa ma nā flight flights i JetBlue. ʻAʻohe lā pōuliuli aʻaʻole loa e pau kou uku.

Pane Nui :ʻO ka APR he 13.24, 21.24, a he 26.24 pakeneka. ʻAʻole he uku makahiki aʻaʻohe pili kālā.

06 Ka meaʻoi aku no nā koa: Hāʻawiʻia ka hōʻailona Visa e ka PenFed Platinum

Me ka hōʻailona Visa Signal PenFed Platinum, loaʻa iāʻoe nāʻelima helu ma ka kālā ma ke kūʻaiʻana i ke kino,ʻekolu mau helu no ke kālā ma ka kūʻaiʻana i nā meaʻai, a hoʻokahi helu ma ke kālā no nā mea a pau. E loaʻa i kahi hōʻai'ē laula kālā $ 100 ke liloʻoe i $ 1,500 ma nā lā he 90 mua. Hiki iāʻoe ke uku i nā uku āu e loaʻa ai i ka hele a i nā pono'ē aʻe.

Ponoʻoe he lālā o ka PenFed me kahi waihona mālama kālā e pili ai. Loaʻa iāʻoe ke kohoʻana ināʻoʻoe a pilina paha kekahi lālā o nā pūʻali koa.

Palekana Nui :ʻO ka APR he 9.74 i ka 17.99 pakeneka. ʻAʻole he uku makahiki aʻaʻohe pili kālā.

07ʻOiwi no ka uku hoʻololi: Blue Sky maiʻAmelika

Me ka Blue Sky mai American Express, e loaʻa iāʻoe kahi helu pāʻani no kēlā me kēia kālā āu e hoʻolilo ai ma ka kūʻaiʻana. ʻO kēlā me kēia 7,500 mau kumukūʻai e pākuʻiʻia he $ 100 manaʻo kuhi no nā kūʻai kūʻai e hana aiʻoe ma kāu kāleka.

Loaʻa iāʻoe ka koho o ka laweʻana i ke kaulike ma kēlā me kēia mahina aiʻole e uku i ka piha piha - e uku i ka piha piha i mea maikaʻi e loaʻa ai ka pōmaikaʻi nui o nā uku āu e loaʻa ai. Kuʻi mai ke kāleka me nā kōkua kōkua Amex hou, e like me ka hoʻokele kaʻa kaaʻi a me ka hoʻolimalima waiwai, ka'inikena'ākele kaʻa, a me ke kōkuaʻaoʻao.

Ka Hoʻokaʻawale Nui :ʻO ka APR he 18.49, 21.49, aiʻole 23.49 pakeneka ma muli o kāu kūlana kūpono. ʻO ka uku hoʻolimalima kālā ke kālā he 2.7 pakeneka o kēlā me kēia maʻamau ma hope o kona hoʻohuliʻiaʻana i ke kālāʻAmelika.