Ke noi neiʻoe no kāu kāleka kāleka mua , ua maʻalahi ka nalowale i ka nui o nā koho e hiki mai ana iāʻoe. ʻO ka loea mua loa heʻano likeʻole ia ma kahi o kou ola a me kāu mau pahuhopu no ka hoʻohanaʻana i ke kāleka kāleka. ʻO kēia papa inoa o nā kāleka kāleka mua loa e pili ana i nā koho no nā haumāna, nā mea me kaʻole kālā , nā'ōpio, a me nā mea'ē aʻe. Inā ho'āʻoʻoe e koho i kahi kāleka kāleka nui no ka manawa mua, e nānā i kahi i heluʻia maʻaneʻi.
ʻO nā mea maikaʻi loa no nā haumāna:ʻIke ia no nā haumāna
ʻIkeʻia ia no nā haumāna ke kāleka maikaʻi loa no nā haumāna e loaʻa ana i kahi kāleka kāleka no ka manawa mua. ʻO ke kāleka kāleka e uku aku i ka uku kālā kālā he 5% ma ka'āpana e hoʻololi i kēlā me kēia meena a me 1 pakeneka hoʻi i nā mea a pau. Hiki iāʻoe ke hoʻonui i kou uku ma o ka hanaʻana i ka hapanui o kāu kālā kāleka hōʻai'ē ma nā papawai 5 pakeneka. I ka hopena o ka makahiki mua, e pili anaʻo Discover i nā cashback āu i loaʻa ai, ka kālā no ke kālā.
Ma luna o nā uku, hiki iāʻoe ke loaʻa hou $ 20 waiwai kālā ināʻoe e mālama i kahi GPA o 3.0 aʻoi aku paha ma kēlā me kēia makahiki no 5 mau makahiki.
Pane Nui:ʻAʻole he uku makahiki . E loaʻa iāʻoe he 0% hoʻokomo APR no 6 mau mahina. Ma hope o ia,ʻo ka APR mau he 13.99 pakeneka i 22.99 pakeneka.
ʻO nā mea maikaʻi no nā'ōpio'ōpio: Capital One QuicksilverOne
ʻO kāu kūʻaiʻana ma ka Capital One QuicksilverOne Rewards loaʻa he 1.5 pakeneka kālā.
ʻAʻohe hapa o ka hapahā e noʻonoʻo ai aʻaʻohe hōʻailona e pono ai ke loaʻa nā uku.
No ka poʻe'ōpiopio,ʻo ka uku kālā loaʻa kekahi o nā uku maikaʻi loa a no ka meaʻaʻole koi kahi kālā nuiʻo Capital One QuicksilverOne i ka hōʻai'ē maikaʻi, akā, uaʻoi aku ka maikaʻi o ka poʻe hoʻomaka i ka'āponoʻia. ʻAʻole e pau ka uku kālā āu i ka uku a hiki iāʻoe ke uku i kou uku i kēlā me kēia manawa.
No ka meaʻo kāu kāleka kāleka mua loa ia,ʻaʻole paha iʻoi aku ke kiʻekiʻe loa o kāu palena palena mua. E nānā pono iāʻoe no ka hoʻonuiʻana i ka palena palena kālā ināʻoe e hoʻoili i kāu mau makahikiʻoi lima mua i ka manawa.
Palekana Nui:ʻO ka APR Purchase he 24.99 pakeneka a he $ 39 ka uku makahiki.
ʻO nā mea maikaʻi loa no nā meaʻimi hou: Chase Freedom
Hoʻolimalima hou nā Chase Freedom mea kūʻai i ka $ 150 hōʻailona hōʻoia ma hope o ka hoʻohanaʻana i $ 500 ma ke kūʻaiʻana i nā lā 3 mua mai ka weheʻana i ka helu. A laila, loaʻa iāʻoe he 5 pakeneka kālā a hiki i kahi $ 1,500 ma nā kūʻai likeʻana i nā helu bonus e hoʻololi ana i kēlā me kēia hapaha (ponoʻoe e hoʻoikaika e loaʻa nā uku he 5%). E loaʻa iāʻoe he 1 pakeneka kālā ma kāu mau kūʻai'ē aʻe.
ʻO ka bonus hoʻolālā a me ka lōʻihi 0 ka lōʻihi o ka APR manawa hoʻolālā e hoʻolilo i kēia i kāleka kāleka nui no nā haumāna puka hou e maʻa nei i ke ola ma waho o ke kulanui a me ka ukuʻana i nā laikini haumāna no ka manawa mua.
Palekana Nui: Loaʻa he 0% hoʻokomo APR no 15 mau mahina ma nā kūʻaiʻelua a me nā hoʻololi kūpono . Ma hope o kēlā, he 15.99 pakeneka ka APR mau loa i ka 24.74 pakeneka. ʻAʻole he uku makahiki.
Nā makana maikaʻi loa no nā huakaʻi: Bank of America Nā makana no nā haumāna
E pōmaikaʻi nā mea hele ma ka Bank of America Huakaʻi Loaʻa no nā Haumāna.
E uku ana ka kāleka kālā he 20,000 mau kumu waiwai ināʻoe e hoʻolilo $ 1,000 ma ke kūʻaiʻana i nā lā he 90 mua o ka loaʻaʻana o ka kāleka kāleka. ʻO ka bonus 20,000 ke kūpono i ka hōʻai'ē hōʻai'ē 200 200 i ka kūʻaiʻana i nā hana i hanaʻia ma kāu kāleka kāleka.
Loaʻa nā kūʻai i 1.5 mau helu ma ke kālā. Ināʻoe he waihona Bank Bank o'Amika a me ka waihona mālama kālā, e loaʻa iāʻoe kahi bonus 10% ma kāu mau uku. Hiki ke kūʻaiʻia kou uku i kēlā me kēia manawa no kekahiʻoihana mokulele a iʻole hōkele hokele.
Ma keʻano he pakuhi'ē aʻe, hiki iāʻoe ke hoʻokomo i kāu helu FICO no ka mea kelepona ma o ka pūnaewele Mobile Banking a iʻole pūnaewele pūnaewele paha. ʻO kāu score FICO kahi o keʻano o kāu hana me ka hōʻai'ē,ʻaʻole wale me kāu kāleka kāleka Bank of America, akā he mau kālā kālā'ē aʻe āu i loaʻa, e like me nā hōʻai'ē haumāna a me nā loans pūnaewele paha.
Palekana Nui: Eʻoluʻolu i ka 0 pakeneka pāʻani pili i ka kūʻaiʻana no nā holo pono 12 hoʻolimalima.
Ma hope iho,ʻo ka APR mau he 15.99 pakeneka i ka 23.99 pakeneka. ʻAʻole he uku makahiki aʻaʻohe pili kālā.
ʻO ka maikaʻi no kaʻole Credit: Capital One Classic Platinum
ʻO ka Capital One Classic Platinum he moʻolelo no ka'āponoʻana i nā mea noi e hoʻomaka wale ana me ka hōʻai'ē. Loaʻa i kāu mau kālā loaʻa,ʻo kāu kūpono o ka'āponoʻana no kāu kāleka kāleka mua loa he maikaʻi aʻaʻole ponoʻoe e lilo i haumāna e'āponoʻia. E like me ka Capital One Quicksilver One, inā e hanaʻoe i kāu mau makahikiʻoi lima mua i ka manawa aʻo Capital One e noʻonoʻo iāʻoe no ka hoʻonuiʻana i ka palena kālā.
Palekana Nui:ʻO ka APR Purchase he 24.99 pakeneka a he $ 0 ka makahiki makahiki.
ʻO ka mea maikaʻi loa no nā poʻe pilikā: e kūpono i ke aʻoʻana iā MasterCard
ʻO ka Pono Edu MasterCard he kālani hōʻailona mua loa no nā poʻe malihini a me nā poʻe noho lōʻihiʻole i loaʻa kahi helu kaiāulu - e like me ka hapa nui o nā kāleka kāleka ma ka mākekeʻaʻole eʻaeʻia ka helu mālama ola.
Ke'āponoʻiaʻoe, e ukuʻia e ka Pono Edu MasterCard 1 pakeneka kālā palenaʻole ma nā kūʻai a pau i hanaʻia ma ke kāleka kāleka. Hiki i nā haumāna ke hoʻokipa pū i ka papa inoa Amazon Prime āpau a loaʻa iā lākou ka pūnaewele, ke mele a me ka heluhelu.
Ma hope o ka hoʻohanaʻana i ka Pono Edu MasterCard ma ke akamai, hiki iāʻoe ke kūpono no ka Deserve Pro MasterCard. ʻO kēia uku hoʻonui i ukuʻia he 3 pakeneka kālā ma ka hele a me ka hoʻokipa, he 2 pakeneka hoʻi ma nā haleʻai, a he 1 pakeneka hoʻi i nā kūʻai'ē aʻe.