ʻO ka hapa liʻiliʻi o nā millennials he kāleka kāleka, e like me ka noi 2016 mai Bankrate.com. ʻO ia hoʻi, ua nalowale nā millennials ma kekahi mau kāleka kāleka nui a me ka manawa e hoʻomaka ai e kūkulu i kā lākou hōʻai'ē. He hanauna kūikawā nā Millennials,ʻaʻole wale kahi kāleka kāleka e kūpono i ko lākou aloha no nā huakaʻi hele a me nā lā Sābati. Eia nā kāleka maikaʻi loa no nā millennnials.
ʻO ka mea maikaʻi loa no nā meaʻai Aloha: Uihoʻiʻia ka Palapala Visa e Barclays
Me ka Card Visa Uber, loaʻa iāʻoe kahi bonus $ 100 (e like me 10,000 mau helu) ma hope o ka hoʻohanaʻana i $ 500 ma ke kūʻaiʻana i loko o nā lā he 90 mua.
Hiki ke uku houʻia ka bonus no ka hōʻai'ē Uber, ka hōʻai'ē haʻi'ōlelo, a iʻole kāleʻa makana.
He polokalamu maikaʻi maikaʻi ka Polokalamu Visa Uber. E loaʻa i nā mea kūʻai Cardina he 4 pakeneka ma hope o kaʻaiʻana, e like me ka Uber Eats; 3 pakeneka hou ma ka hokele a me kaʻae; He 2 pakeneka hou ma nā kūʻai aku i ka pūnaewele, e like me ka lawelaweʻana i nā lawelawe kelepona Uber a me ke mele; a he 1 pakeneka hou i nā mea a pau.
ʻAʻole he uku makahiki,ʻo ia ka maikaʻi nui loa no ka'aʻaleʻa hōʻai'ē maikaʻi , aʻaʻohe pili kālā no ka'ake kāleka. ʻO keʻano o ka kūʻaiʻana iāʻoe i loko o nā kālā'ē aʻeʻaʻole e ukuʻia kekahi uku hou.
Ma waho aʻe o ka uku a hōʻailona i ka bonus, e loaʻa iāʻoe he $ 50 kālā no nā lawelawe pūnaewele ma hope o kou liloʻana i $ 5,000 aʻoi aʻe paha i kāu kāleka kāleka i loko o ka makahiki. Ma luna o kēlā, e loaʻa iāʻoe he $ 600 no ka launa pūnaewele a iʻole kaʻaihue i ka wā e uku aiʻoe i kāu pālākiʻi me kāu kāleka kāleka. ʻO ia hoʻi, hiki iāʻoe ke hoʻololi i kāu hoʻolālā hoʻokele pūnaewele pūnaewele a mālama i ke kālā.
(E loaʻa ka uku ma ka ukuʻana i kāu pālākilo me kāu kelepona noi.)
E hoʻopakele i kāu mau helu no nā hōʻailona Uber, nā kāleʻa makana, a iʻole ke kālā. Hoʻomaka ka hoʻomakaʻo Uber i 500 helu no $ 5. Hiki i ka mea kuleana mua ke kūʻai i nā mea no nā Uber hōʻailona ma o ka polokalamu.
ʻAʻohe palena ma nā uku e hiki iāʻoe ke loaʻa aʻaʻole lākou e pau i ka lōʻihi o kāu mālamaʻana i kāu moʻokūkii ma ke kūlana maikaʻi.
Hiki ke hoʻololi a kūʻai aku paha i nā mea.
Pricing :ʻO ka APR'ōwili he 15.99 pakeneka, 21.74 pakeneka, aiʻole he 24.74 pakeneka, e hilinaʻi ana i kāu kūpaʻa. ʻO ka APR no ka piʻi kālā kālā he 25.99 pakeneka. Hoʻoliloʻia nā hoʻolimalima pale he uku uku uku a me ka hoʻonuiʻana i ke kālā e ukuʻia he uku he 5%.
E noi i ka Palapala Visa Uber mai ka lā 2 o Nowemapa, 2017.
ʻO ka mea maikaʻi no nā mea hele: Chase Sapphire Reserve
Makemake nā Millennials e hele.
ʻO ka Chase Sapphire Reserve e uku i nā kumukūʻai 50,000 ma hope o ka hoʻohanaʻana i $ 4,000 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i ka helu. Pono ke kumukūʻai he $ 750 ma ka huakaʻi i ka wā e kūʻai aiʻoe ma o Chase Ultimate Rewards.
Loaʻa i nā mea kūʻai i $ 300 ke kālā hōʻai'ē holo i hiki ke kūʻai houʻia no nā kūʻai kūʻai i hanaʻia ma ka palapala.
E loaʻa iāʻoe 3 mau helu no ke kālā ma ka heleʻana, e like me nā hokele, nā taxis, a me nā kaʻa; 3 helu no ke kālā ma kaʻaiʻana ma ka honua a puni; a 1 ka helu no ke kālā ma nā mea a pau.
ʻO nā mea i loaʻa iāʻoe he 50% o ka nui i ka wā e kūʻai aiʻoe iā lākou no nā kūʻai heleʻana ma o Chase Ultimate Rewards, ka mea hana hoʻolaha a Chase. ʻAʻohe manawa aʻaʻohe pōpilikia i ka wā hiki iāʻoe ke ho'ōla i kāu uku.
Loaʻa i nā Chase Sapphire he mauʻokoʻa'ē aʻe no ka poʻe cardholders:
- E hōʻea i kahi hōʻai'ē noi kālā $ 100 no ka hoʻokomoʻana o ka Global Entry or TSA Precheck
- Loaʻa i nā keʻena loiloi
- ʻO nā kaʻa kaʻa kaʻa nui kūikawā nā National Car Rental, Avis, a me Silvercar i ka wā e kākau aiʻoe me kāu kāleka
Ma ka $ 450 ma ka makahiki, loaʻa ka Chase Sapphire Reserve i kekahi o nā uku makahiki kāleka kiʻekiʻe. Ponoʻoe e uku $ 75 no kēlā me kēia makahiki no kēlā me kēia hoa hoʻohanaʻia . ʻO ka hōʻailona hōʻailona a me ka hōʻai'ē haʻi'ōlelo i hanaʻia no ka uku makahiki no nā makahikiʻelua i hala. No nā kumu kālā, ponoʻoe e uku i ka uku makahiki i piha i ka mahina mua keʻaeʻiaʻoe. Ināʻole, e hoʻopauʻoe i ka uku paneʻe ma ka uku.
Ka ukuʻana :ʻO nā kūʻai a me ka hoʻoponopono palekana APR he 16.9 i ka 23.99 pakeneka e pili ana i ka pono. ʻO ka loaʻa kālā mua o ka APR he 25.99 pakeneka. Hoʻohanaʻia nā hoʻolimalima pale he $ 5 aiʻole 5 pakeneka a hoʻonuiʻia nā kuʻina kālā i $ 10 aiʻole 5 pakeneka.
E like me nā kāleka kāleka maikaʻi a pau, ponoʻoe e uku i kāu kaulike piha a hōʻole i ka loaʻaʻana o ke kālā no lailaʻaʻoleʻoe e uku hou i nā uku a me nā uku.
ʻAʻole he uku kālā maʻamau.
ʻO kaʻoihana maikaʻiʻoleʻana o ka makahiki: Blue Delta Skymiles American Express
ʻO ke Blue Delta Skymiles American Pay i 10,000 mau bonus mile ma hope o ka hanaʻana i $ 500 i nā kūʻai kūʻai i loko o nā mahina muaʻekolu o ka weheʻana i kāu kāleka kāleka. Eʻikeʻoe hikiʻole iāʻoe ke koho i ka bonus hōʻailona inā loaʻa iāʻoe kekahi kāleka hōʻailona Delta Skymiles.
Loaʻa nā mea kūʻai kālā iʻelua mile no ke kālā ma ke kūʻaiʻana ma nā hale kūʻai o US, 2 mile no ke kālā ma nā kūʻai Delta, a he 1 mile no ke kālā no nā kūʻai'ē aʻe'ē aʻe. Hikiʻole i nā kūʻai hale kūʻai ke kūpono i ka uku uku uku, e like me nā haleʻai ma loko o nā hokele.
Ma keʻano he mea mālama kālā, e loaʻa iāʻoe he 20% o nā kālā mālama kālā ma ka kūʻai. ʻO ka hoʻoliloʻana i palapala hōʻai'ē.
Inā uaʻaeʻiaʻoe no kahi helu helu kuhi (e like me ka mana o Amex e hōʻoia i kouʻikepili), e loaʻa iāʻoe kahi liʻiliʻi loa $ 1,000 no ka hoʻohanaʻana ma Delta.com.
Pricing :ʻAʻole he uku makahiki. ʻO ka kūʻaiʻana a me ka hoʻoponopono palekana APR he 16.74 pakeneka i 25.74 pakeneka. ʻO ke kālā kālā nui APR 26.24 pakeneka. Hoʻohanaʻia nā hoʻolimalima pale he $ 5 aiʻole 3 pakeneka aʻo ka hoʻolālā kālā ke ukuʻia he $ 5 aiʻole 3 pakeneka. ʻO ke kālā hoʻolimalima o nā haole e 2.7 pakeneka.
ʻO ka meaʻoi aku no nā Shoppers: Amazon Prime Awards Visa Signature Card
ʻO kahi mākaʻikaʻi o ka hoʻohanaʻana i nāʻoihana kālā he tausani, e hōʻike ana he hanauna ka hanauna no ka hoʻolimalima kālā i nā lole. ʻO kā lākou punahele punahele, Amazon. ʻO ke koho inoa nui ka Amazon Prime Rewards Visa Signature Card.
Inā'āponoʻiaʻoe, e loaʻa iāʻoe kahi kāleka makana Amazon.com $ 60 i kēia manawa. ʻAʻole he koi hoʻolimalima aʻaʻoleʻoe e kali i 90 mau lā e loaʻa ai ka bonus. No ka mea e pili ana kā kāleka me kāu pūnaewele Amazon.com, hiki iāʻoe ke hoʻomaka e hoʻohana i kāu kāleka kāleka i ka manawa i'āponoʻia aiʻoe.
Loaʻa nā kūʻai i Amazon.com i 5 pakeneka ke lōʻihi e loaʻa ana iāʻoe he lālā koho Amazon Prime a he waihona helu Amazon.com. Ināʻaʻole, Amazon.com kūʻai e uku i 3 pakeneka hou. Lawe pū nā mea kūʻai i ka 2 pakeneka i nā haleʻai, nā kelepaea, a me nā lāʻau kūʻai; a he 1 pakeneka hoʻi i nā kūʻai a pau.
Hiki iāʻoe ke kūʻai i nā uku ma Amazon.com kūʻai. ʻAʻole he uku kūponoʻole e pono ai no ke kūʻai.
ʻO nā mea'ē aʻe o ka Amazon.com Pōʻani Visa Signature Card he kōkua me ka kōkua kūikawā, ka hoʻokuʻuʻana i nā ukana, ka kūʻai kūʻai, a me ka palekana palekana.
Ka ukuʻana :ʻO ka APR no nā kūʻai a me nā hāʻawiʻana i ke kaulike he 15.24 pakeneka i ka 23.24 pakeneka. No ka hoʻonuiʻana i ke kālā, he 25.99 pakeneka ka APR. ʻO ka uku no ka hoʻoiliʻana o nā palekana he $ 5 a 5% aʻo ka uku no ka piʻiʻana o ke kālā he $ 10 a 5%. ʻAʻole he uku makahiki aʻaʻohe pili kālā.
ʻO ka maikaʻi no ka mea maʻalahi: Citi Double Cash Card
ʻO nā millennials e makemake ana e mālama maʻalahi a ukuʻia no kā lākou kūʻaiʻana, e hana maikaʻi lākou me ka Citi Double Cash Card. 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. ʻAʻole kekahi kāleka kāleka'ē aʻe e hāʻawi aku i mea e hoʻomaha ai i kāu kāleka kāleka.
Inā e poinaʻoleʻoe i ka hāʻawiʻana i ka uku kāleka hōʻai'ē, e hoʻopiʻiʻo Citi i ka uku mua loa. Ma hope o kēlā, hiki iāʻoe ke ukuʻia i kahi hōʻai'ē o ka hōʻailona o $ 38. Loaʻa iāʻoe ke Kikokikona Citi, ke hāʻawi nei i kaʻike kūikawā i nā pepa likeʻole, e like me nā tickets concert presale. A, me Citi Price Rewind, e loaʻa iāʻoe kahi hoʻololi kūʻai kūpono inā kūʻaiʻia ke kumukūʻai ma kahi mea āu i kūʻai ai me kāu kelepila i loko o nā lā he 60 i hala iho nei.
Hiki i ka Citi Double Cash Card he haʻawina hoʻokomo i ka'aene 0 helu no ka 18 mau mahina. Ma hope o ka manawa hoʻolālā , he 14.49 pakeneka ka loaʻaʻana o ka hōʻailona hōʻailona i ka 24.49 pakeneka. ʻO ka hoʻoili kālā ka mea nui nui, akā, no ka loaʻaʻoleʻana o ka uku i ka hoʻoiliʻana, pono e hoʻohana i kēia kāleka no ka kūʻaiʻana e uku mauʻoe i kēlā me kēia mahina.
Pricing :ʻO ka APR mau he 14.49 pakeneka i ka 24.49 pakeneka aʻo ka hōkeʻe kālā APR he 26.24 pakeneka.
Ka Hoʻolaha: Ka mea e hiki ke hoʻololi i nā hua'ōlelo kāleka. E kipa aku i ka pūnaewele pūnaewele kāleka kāleka no nā uku kūpono a me nā kiko'ī o ka uku.