Ke kūʻai nei i nā kāleka hāʻawi i nā uku a me nā uku no nā mea kūʻai loa loa. Inā makemakeʻoe e hana i ka nui o kāu kūʻai i nā hale kūʻai hoʻokahi aʻelua wale nō, me ka kāleka kāleka o kēlā hale kūʻai e hiki i kāu pēke ke kōkua iāʻoe e mālama kālā i kāu mau kumu. Ma kaʻaoʻaoʻaoʻao,ʻaʻoleʻoe e pono i ka hōʻai'ē maikaʻi e'āponoʻia no nā kāleka kāleka nui,ʻo ia hoʻi nā kāleka kāleka maʻamau i hoʻohana waleʻia i kahi hale kūʻai.
Ma mua o kou kohoʻana i kahi kāleka kāleka kūʻai no kāu pēke, eʻikeʻoe i nā kāleka kāleka mālama i ka halihali i nā kumukūkihi kiʻekiʻe aʻe,ʻo ia hoʻi, e uku mauʻoe i kāu palekana no ka paleʻana i ka ukupanee ma kāu kaulike. Ke hāʻawi aku kahi kāleka kāleka kūʻai i kahi hoʻolālā kūikawā kūikawā, ponoʻoe e uku i ka pale piha piha i ka pauʻana o ka manawa hoʻolaha. Ināʻole, e hoʻonui ke kāleka i ka nui o ka hoihoi i kāu kaulike.
I kēia manawa ua uhi mākou i nā mea nui, eia nā kāleka kāleka maikaʻi loa i loaʻa iāʻoe i loko o kāu pēke i 2018.
ʻO ka meaʻoi aku no nā kūʻai kūʻai kūʻai: Amazon Prime Card Card
Me ka Amazon Prime Card Card , e loaʻa ana iāʻoe iʻelua lā kūʻai me kāu Amazon Prime Members, aʻoi aku i ka 5 pakeneka hoʻi ma kāu kūʻai kūʻai Amazon.com. Amazon $ 100 i ka makahiki, he $ 99 no ka makahiki, no laila, inā e hoʻolimalimaʻoe ma mua o $ 2,000 ma Amazon.com e kūʻai ana i kēlā me kēia makahiki, e ukuʻia ke kālā kālā 5%. Hoʻolimalimaʻia nā uku no ka hōʻai'ē hōʻike.
Eʻae i ka loaʻaʻana i nā kālā kūpono e pili ana i kāu kālā kūʻai. Loaʻa i nā mahinaʻeono ma ka kūʻaiʻana i $ 149 aʻoi aku paha, 12 mau mahina ma ka kūʻaiʻana i $ 599 aʻoi aku paha, 24 mau mahina ma ke kohoʻana i nā mea i kūʻaiʻia ma Amazon, a he 12 mau mahina likeʻole ma ke kohoʻana i nā mea i kūʻaiʻia ma Amazon. Me ke kaulike like, hiki iāʻoe ke hana i nā kaulike heʻumikumamālua e like me kekahi mau mea.
E hoʻomaopopo he ponoʻoe e koho i loaʻa kālā he 5% a loaʻa paha kālā kālā,ʻaʻole hiki iāʻoe ke loaʻa iā lāua. No ka mea, he kāleka kāleka kūʻai kāleka aʻaʻoleʻo ka kāleka kāleka i kākoʻoʻia, hiki iāʻoe ke hoʻohana wale i ka kāleka ma Amazon.com kūʻai.
Ka uku nui :ʻO ka APR he 25.99 pakeneka aʻaʻole he uku makahiki .
ʻO ka mea maikaʻi no nā kāhiko: Kohl Card Charge Card
ʻO kahi hale kūʻai o Kohl kahi wahi nui e kūʻai ai i nā lole no kaʻohana a pau. Loaʻa iāʻoe he 25 pakeneka mai ka kūʻai kūʻai mua o Kohl ma kahi'ē aʻe he 15 pakelike ke hiki mai kāu kāleka i ka leka uila. Ma keʻano he kūikawā kūikawā, hiki iāʻoe ke komo i 12 mau makana kūikawā i kēlā me kēia makahiki. A ināʻoe e hoʻolilo i $ 500 ma kāu kohl kohl, e liloʻoe i Kupa Kūpono Loa a loaʻa i nā liʻiliʻi he 18 i kēlā me kēia makahiki.
Ke hele nei nei, e loaʻa iāʻoe kekahi o ka helu Aehiaʻoʻoe no nā kālā a pau āu e hoʻohana nei ma kāu Kohlʻo Charge a me $ 5 uku no kēlā me kēia helu 100 āu e hōʻiliʻili nei. ʻOi hou, loaʻa iāʻoe kahi makana no ka lā hānau a me nā mea kupanaha'ē aʻe i ka manawa oʻoe he mea kālepa.
Pane Nui :ʻO ka APR he 24.99 pakeneka. ʻAʻole he uku makahiki.
ʻO ke kumu kūlana kiʻekiʻe: Kaumua REDCard
Hiki i nā mea kūʻai kūʻai ke loaʻa nā pono kūpono a pau a mālama i 5 pakeneka. Me ka REDCard Kūlana, e mālamaʻoe i 5 pakeneka ma ka kūʻaiʻana i Target a me Target.com i kēlā me kēia lā (kahi mau hoʻopauʻana), ma nā kūʻai kūʻai Starbucks i loko o ka hale kūʻai.
Hiki iāʻoe ke leʻaleʻa i ka hoʻounaʻana ma luna o nā mea i kūʻaiʻia ma Target.com.
E kāleka i kāu kāleka me ka Cartwheel, kāmepa coupon o ka Target e mālama i kahi 50 pakeneka o ka nui ma nā haneli o nā mea kūʻai. Nui, loaʻa hou 30 mau lā e hoʻihoʻi i nā mea i kūʻaiʻia ma Target a me Target.com.
Ka uku nui :ʻO ka APR he 23.90 pakeneka aʻaʻole he uku makahiki.
ʻO ka maikaʻi maikaʻi no ka home Improvement: Lowe's Advantage Card
Inā nuiʻoe i ka hoʻomaikaʻiʻana o ka home, he kāleka maikaʻiʻo Lowe o ka Lowe. E loaʻa iāʻoe he 5 pakeneka mai kāu kūʻaiʻana i Lowe i nā lā a pau. A inā paha e kūʻai anaʻoe i nā lako no kahi papahana, hiki iāʻoe ke koho i ka loaʻaʻana o 6 mau mahina no kahi kālā kūikawā ma mua o ka 5% o ka uku. Ponoʻoe e hōʻemi i kahi $ 299 ke kūʻai liʻiliʻi loa no ka loaʻaʻana i nā mahinaʻeono no ke kālā kūikawā. Inā loaʻa iāʻoe kahiʻoihana nui aku i $ 2,000 aʻoi aʻe paha, hiki iāʻoe ke noi no ke kālā hōʻemi APR no 36, 60, a me 84 mau mahina.
Hiki iāʻoe ke noi iā $ 30 mai kāu kūʻai mua mai ināʻoe e noi nei no ke kālepa kōkua o Lowe i mea kūʻai a uaʻaeʻiaʻoe. I nā hihia kahi iʻoi aku ka nui o ka uku kūʻai he 5% ma mua o $ 35 ma kāu kūʻai mua, e hoʻohanaʻia kēlā ukana.
Palekana Nui :ʻO ka APR he 26.99 pakeneka aʻaʻole he uku makahiki.
ʻO ka mea maikaʻi no nā kala kala nui: CostCo Anywhere Visa
No ka mea kūʻai aku i nā mea kūʻai kumukūʻai,ʻo ka CostCo Anywhere Visa kahi koho nui. Loaʻa i nā mea kūʻai i ka 4 pakeneka ma hope o nā keneka pono i ka honua holoʻokoʻa no ka $ 7,000 mua i kēlā me kēia makahiki; 3 pakeneka hoʻi ma ka hale kūʻai a me nā kūʻai kūpono kūpono ma ka honua holoʻokoʻa; Loaʻa he 2 pakeneka kālā ma nā kūʻai'ē aʻe mai Costco a Costco.com; a he 1 pakeneka ma nā mea a pau e pili ana i ka kūʻaiʻana i ke kino ma $ 7,000. Nā kūʻai kūʻai Gas i hanaʻia ma nā superstores, nā supermarkets, nā moʻolelo kūpono a me nā hale kūʻai hoʻolaha'ē aʻe ma mua o Costco a iʻole no ka wahie i hoʻohanaʻia no nā kumu hanaʻole.
No ka mea he kāleka kāleka Visa i kāwiliʻia, hiki iāʻoe ke hoʻohana i kāu kāleka kāleka i ka manawa eʻaeʻia ai ka Visa e loaʻa ai ka uku. ʻO nā cashback āu e hōʻiliʻili ai i loko o ka makahiki kahiki e ukuʻia e like me ka palapala hōʻai'ē kālā kāleka makahiki i kāu'ōlelo hoʻopiʻi kaʻinaʻo Pepeluali. Hiki iāʻoe ke kūʻai i ka palapala hōʻike no ke kālā a mea kūʻai paha ma US Costco Warehouses.
Paʻi Kūlana Nui : Eʻoluʻolu i ka hoʻokomo i kahi heluʻeleʻele o ka APR no 7 mahina ma ke kūʻaiʻana. Ma hope o kēlā, he 16.49 pakeneka ka Apr. ʻAʻole he uku makahiki.
No ka Fair Credit: Walmart Store Card
ʻO nā mea kūʻai pāʻani Walmart me ka hōʻailona maikaʻi e noʻonoʻo i ka Walmart Store Card-ke kāleka kāleka pahu kūpalena loa e hiki ke hoʻohana waleʻia ma nā hale kūʻai Walmart. Eʻikeʻoe aia he papa inoa kāleka nui a Kāleka Walmart e koi ana iāʻoe e loaʻa i ka heluʻai maikaʻiʻoi aʻe.
Inā noiʻoe no kāu Walmart Credit Card ma ka pūnaewele, e mālamaʻoe i $ 35 ke hoʻohanaʻoe i kāu kāleka kāleka i ka lā hoʻokahi. E mālamaʻoe i 3 pakeneka i kēlā me kēia lā ma Walmart.com; 2 pakeneka ma ke kinoea ma Walmart a me Murphy USA; 1 pakeneka ma Walmart a me ko Câ Clubs. Ua ukuʻia nā hoʻolaha i hōʻai'ē hōʻailona ma hope o ka halaʻoleʻana o kāu moʻokāki.
Palekana Nui :ʻO ka APR mauʻia he 23.9 pakeneka aʻaʻole he uku makahiki.