ʻO 2017 nā kāleka maikaʻi loa i kohoʻia e pili ana i ka bonus no ka hōʻoia, ke kaʻina o ka uku kūʻai, nā koho o ka hoʻolālā, ka uku makahiki , a me nā kāleka kāleka'ē aʻe. ʻO ka APRs , me nā APRs hoʻolālāʻaʻole he mea nui ma muli o ka ukuʻana a piha a pale i ka makemake nuiʻo ia ke ala maikaʻi e hoʻonui ai i kahi kāleka hōʻai'ē maikaʻi.
Ināʻoe eʻimi ana i kahi kāleka hōʻai'ē hou i kāu pēke i kēia makahiki, e nānā i kēia papa inoa o nā kāleka maikaʻi loa ma ka mākaʻikaʻi i kēia manawa.
Kāleka maikaʻi maikaʻi loa: Kāleka Cash Cash Values
Ke hāʻawi aku nei ke kāleka makemake iā Cash Cash makemake iāʻoe e hāʻawi i kahi kālā $ 150 ke ukuʻoe i $ 1,000 i nā mahina muaʻekolu o ka weheʻana i kāu kāleka kāleka. Ke holo nei, e uku ana ke kālepa i ka 6 pakeneka kālā ma nā kūʻai kūʻai kūʻai kūʻai, kūʻaiʻia i $ 6,000 ma ka makahiki. ʻO ia he $ 360 kālā i ka makahiki hoʻokahi ināʻoi akuʻoe i ka hoʻoliloʻana i kēia mahele wale nō, he mea kūpono ia ināʻoe e hoʻohana i ka $ 500 ma ke kūʻaiʻana i kēlā me kēia mahina.
ʻO ka mea kūʻai i ka waihona kālā e ukuʻia he 3 pakeneka kālā ma nā keʻena kūkini a koho i nā hale kūʻai o ka United States. ʻAʻohe palena ma ke kaʻina o ke kālā e loaʻa iāʻoe i loko o ka māhele 3 pakeneka.
ʻO nā kūʻai'ē aʻe a pau, e like me ka kūʻaiʻana o nā supermarket ma mua o $ 6,000 i kēlā me kēia makahiki, loaʻa ke kālā he 1 pakeneka.
Aia kekahi mau kumu'ē aʻe no ka loaʻa kālāʻana me ka Amex Blue Cash Preferred.
ʻO ka kūʻaiʻana i nā hale kūʻai lāʻauʻaʻole e hoʻokomo i nā kūʻai i hanaʻia ma nā hale kūʻai me nā hale kūʻai hale kūʻai. ʻO ka kūʻaiʻana i ka Gas e komoʻole i nā kūʻai a me nā mea kūʻai ma ka supermarkets, superstores, a me nā hale kūʻai. Ponoʻoe e kūʻai i kāu mau kūʻai ma nā hale kūʻai kūʻai a me nā pūnaewele kū kaʻawaleʻole e loaʻa ai ka uku uku uku. Ināʻole, e loaʻa i kēia mau kūʻai ka uku uku uku.
Hiki ke ukuʻia ke kālā ma nā kālā hōʻai'ē kālā kālā Blue in incrementals of 25 dollars a ke loaʻa nei i ka manawa o ka palena o kāu kaulike he 25 mau kālā. Hiki ke ukuʻia nā uku no ka hōʻai'ē hōʻai'ē e hōʻemi ana i kāu palekana kūpono ma ka nui o ka hoʻopānaʻiʻana.
Loaʻa he $ 95 makahiki makahiki i hoʻokuʻuʻia i ka makahiki mua a hiki ke hoʻopaʻiʻia inā hoʻohanaʻoe i ke kāleka kālepa no kāu mau meaʻai, kālepa, a me ka hoʻolālā hale kūʻai. I ka makahikiʻelua a me kēlā me kēia makahiki ma hope aku, ponoʻoe e hoʻolilo i kahi $ 1,600 ma nā hana kūʻai i kēlā me kēia makahiki e wāwahi i ka uku makahiki $ 95.
Hōʻikeʻo American Express me nā kōkua'ē aʻe e like me ka hoʻokele ukana kaʻawale a me ka hoʻolālā pōʻino, ka'inima pōpilikiaʻaneʻi, ke kōkuaʻaoʻao, ka hoʻopuka nui, ka hoʻihoʻi pale, a me ke kūʻaiʻana i ka palekana.
ʻO kaʻoi akuʻoi aku kaʻoi aku o ka 5% Cash Back Rewards Kāleka: Chase Freedom
Ke hāʻawi aku nei ka Chase Freedom Credit Card i kahi kālā he $ 150 kālā inā e hoʻoliloʻoe i $ 500 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i kāu pūnaewele.
Loaʻa kahi hopu: hiki iāʻoe ke loaʻa ka bonus hōʻailona ināʻaʻoleʻoe i loaʻa kahi bonus mai Chase i loko o nā mahina he 24 i hala iho nei. Inā ua loaʻa iāʻoe kekahi kāleka kāleka Chase, e nānā i kāu mau'ōlelo i hala aku nei aiʻole kāhea i ka lawelawe kelepona eʻike i inā inā i ka hope loa i loaʻa iāʻoe kahi bonus hōʻailona.
Loaʻa i ka Chase Freedom mea kālepa loaʻa he 5 pakeneka kālā ma ka kūʻaiʻana ma nāʻano kiko'ī e hoʻololi ana i kēlā me kēia meena me 1 pakeneka ma nā kūʻai'ē aʻe. Mai Ianuali a hiki i Malaki 2017, no ka laʻanaʻana, loaʻa i nā kāleka ka loaʻa o 5% kālā ma nā pūnaehana gas a me nā kūʻai kūʻai kālepa. Kuhiʻia ke kālā ma ka 5 pakeneka kaona ma kahi $ 1,500 ma kēlā me kēia hapaha. I ka wā āu i loaʻa ai i nā paepae puka e loaʻa i ka hapene kālā he 1 pakeneka kālā.
Ponoʻoe e hoʻolālā i kou uku uku kālā 5% ma kēlā me kēia kahiki no ka hōʻoiaʻana i nā kūʻai kūpono e loaʻa i ke kālā hope loa.
Hiki paha iāʻoe ke hoʻololi i kāu hoʻoliloʻana i kēlā me kēia hapahā aʻoi aku ma mua o ka 5% o nā lilo kālā.
ʻAʻole he palena i nā uku e hiki iāʻoe ke loaʻa, akā, pono e kūʻai i kahi liʻiliʻi o $ 20 i kēlā me kēia manawa. Hiki ke hoʻoliloʻia i nā hōʻaihoʻiʻole e like me ka hōʻai'ēʻikepili, kahi waihona i'elepona e mālama ai i kahi helu kūpono, a iʻole nā kāleka makana a me nā koho'ē aʻe ma o Chase Ultimate Rewards.
ʻAʻole Chase Freedom no ka makahiki makahiki e manaʻoʻia e hiki iāʻoe keʻoliʻoli i nā kiko o ka palapala me ka ukuʻole i nā wā a pau āu i loaʻaʻole ai kekahi kuleana a uku paha.
ʻO ka hapa nui loa o ka kālā kālā kālepa hou: Capital One Quicksilver Rewards
Me ka Capital One Quicksilver Rewards card, nā mea kālepa e loaʻa ka $ 100 bonus ma hope o ka liloʻana i $ 500 ma ke kūʻaiʻana i loko o nā mahinaʻekolu o ka weheʻana i kaʻike. Ke hele nei nō, kūʻai nā kūʻai i ka loaʻaʻole he 1.5 mau kālā kālā. ʻO ia hoʻi,ʻaʻohe palena ma ka mea hiki iāʻoe ke loaʻa aʻaʻoleʻoe e hoʻololi i kāu kālā e loaʻa ai ke kālā i kekahi mauʻano.
ʻAʻole e pau nā uku i ka uku a hiki ke kūʻai lilo houʻia no ke kālā ma hope i kekahi manawa a ma kekahiʻano. ʻAʻole he uku makahiki āpau aʻaʻohe pili kālā ma waho o ka uku kālā Capital One Quicksilver e hāʻawi ana iāʻoe i ka manawa e loaʻa ai kou uku me ka ukuʻoleʻana i ka uku.
ʻO kahi kāleka kālepa uku uku kūpono no nā mea kūʻai aku i ke kālā ma nā wahi likeʻole,ʻaʻole makemake lākou e uku i ka makahiki makahiki, aiʻoleʻole iʻole makemakeʻole i nā mea e ho'āʻo ai e mālama i ka hōʻuluʻulu kālā.
ʻO ka maikaʻi no ke kūkuluʻana a iʻole ke kūkulu houʻana i kaʻike:ʻIkeʻiaʻo ia
ʻO ka hapanui o nā kāleka kāleka maikaʻi e makemake ana iāʻoe e loaʻa i ka hōʻai'ē maikaʻi e kūpono. Loaʻa kahi koho maikaʻi loa no nā mea kūʻaiʻole i loaʻa ka heluʻaiʻoi maikaʻi loa.
Loaʻa iā ia i uku mālamaʻia he 2 pakeneka kālā aʻoi aku i kahi kūʻai $ 1,000 a me ka kūʻaiʻaila a he 1 pakeneka waiwai ma nā mea a pau. Ma keʻano he bonus, eʻike i nā pilina i nā kālā a pau āu e loaʻa ai ma ka makahiki mua e weheʻia kāu pūnaewele. ʻAʻole he palena ma ka uku kālā āu e loaʻa ai aʻaʻole hoʻi e pau kou uku. Hiki iāʻoe ke uku i kou uku no ke kālā (kahi hōʻai'ēʻike) i kēlā me kēia manawa, e hoʻohana i kāu uku no nā kāleʻa makana i nā Deals Discover, aiʻole e hoʻohana i kāu mau uku i ka kūʻaiʻana ma Amazon.com.
ʻAʻole he uku makahiki ma ka Discover it Secure card, akā ponoʻoe e hana i kahi kālā palekana hoʻomaha no ka $ 200. ʻO ke kikowaena heʻano o nā kāleka kāleka i hōʻoiaʻiʻoʻia a mālama i ka palenaʻoiaʻiʻo no nā mea kāleka i hikiʻole ke kūpono no ke kāleka kāleka.
ʻO kahi mea e hoʻopiʻi i nā poʻe e ho'āʻo ana e kūkulu hou i ko lākou hōʻai'ē : E hōʻike i kāʻoukou hōʻike pilikino i nā kumukūʻai ukuʻekolu . ʻO ka loaʻaʻana o ka helu i loko o kāu hōʻike hōʻike kālā e kōkua i kou hōʻai'ē ināʻoʻoe e mālama pono i kāu pūnaewele. Ma hope o ka loaʻaʻana o kāu moʻokāki noʻehiku mahina, e nānāʻo Discover i kāu moʻokāki i kēlā me kēia manawa eʻike ai inā loaʻaʻoe no kahi moʻokāki e nele i kahi mālama palekana.
Kāleka Kālā Loa Loa Loaʻa: Chase Sapphire Preferred
ʻO ka Chase Sapphire Kāleka Kāleka makemakeʻia kahi o nā hōʻailona hōʻailona nui loa o nā kāleka hōʻai'ē maikaʻi. E loaʻa ana nā 505 bonus points ma ka loaʻaʻana o nā $ 4,000 ma ka kūʻaiʻana i loko o nā mahinaʻekolu mua o ka weheʻana i ka helu. Pono aku ka bonus i $ 625 inā e ho'ōlaʻoe i kāu mau helu ma o Chase Ultimate Rewards, Chase pūnaewele hōʻaihoʻi waiwai. Aʻoi aku, ināʻoe e hoʻoulu i ka mea i kohoʻia a hana i kahi kūʻai ma nā mahina muaʻekolu, e loaʻaʻoe i nā helu bonus 5,000. ʻO ka 55,000 helu helu he $ 687.50. No ka loaʻaʻana i ka bonus,ʻaʻole hiki iāʻoe ke loaʻa i ka bonus mai kēia a iʻole kekahi kāka Chase i nā mahina he 24 i hala iho nei.
E hele nei nā mea kūʻai iʻelua mau helu no kēlā me kēia kālā i hoʻomahaʻia ma kaʻahaʻaina a me ka huakaʻi a hoʻokahi wahi no kēlā me kēia kālā i hoʻohanaʻia ma nā mea a pau. ʻO ka uku o nā pane he 25 pakeneka ka nui ke kūʻaiʻoe iā lākou ma o Chase Ultimate Rewards.
Ma muli o Chase Sapphire Preferredʻaʻole i nakinakiʻia i kekahi laina mokulele a iʻole hōʻailona hōʻailona,ʻoi aku ka maʻalahi i ka hoʻohanaʻana i kāu uku no ka hele. Hoʻolako, Chase eʻae iāʻoe e hoʻololi i kāu mau helu i kona hoa hui ma kahi lakene 1: 1,ʻo ia hoʻi,ʻaʻoleʻoe e nele i nā mea i ka hoʻoili.
ʻAʻole he uku kālā maʻamau i hoʻolilo iā ia he kāleka maikaʻi e hoʻohana i ka huakaʻi heleʻana ma waena o ka honua.
ʻO ka Chase Sapphire Preferred he $ 95 makahiki kālā i hoʻokuʻuʻia i ka makahiki mua. Ma hope o ka makahiki mua, ponoʻoe e lilo ma waena o $ 3,800 a me $ 7,600 i kēlā me kēia makahiki e wāwahi ai ma ka uku makahiki. Ināʻole, ināʻaʻoleʻoe he spender nui,ʻaʻole pono ka pōmaikaʻi iāʻoe ma mua o hoʻokahi makahiki.
ʻO kaʻoihana maikaʻiʻole no ka makahiki kālā hōʻai'ē: BankAmericard Travel Rewards Credit Card
Ke uku aku nei ka BankAmericard Travel Rewards Card i nā uku bonus 20,000 ma hope o kou liloʻana i $ 1,000 i nā 90 mau lā o ka weheʻana i kāu kāleka kāleka. Hiki ke kūʻaiʻia ka bonus no ka hōʻai'ē hōʻike $ 200 no nā kūʻai kūʻai e hanaʻia me kāu kāleka kāleka.
ʻO kāu mau kūʻai i loaʻa he 1.5 mau mile ma ke kālā, me ka nānāʻole i ka hoʻolālā kālā. A, inā he mau kālā'ē aʻe me Bank of America, hiki iāʻoe ke hoʻonui i kou uku. E loaʻa i nā mea kuleana me ka waihona Bank Bank o'Amika ma ka waihona kālā mālama waiwai 10 pasene kumukūʻai o nā mea kūʻai ma nā kūʻai a pau. ʻO kaʻaʻaiʻana o kaʻaha kālāʻo Bank of America i ka loaʻaʻana o ka bonus 25 a 75% ma muli o ko lākou kūlana maikaʻi.
ʻAʻohe manawa aʻaʻohe pōpilikia i ka wā hiki iāʻoe ke ho'ōla i kāu uku. Loaʻa iāʻoe ke kuleana e kākau i kāu huakaʻi ma kekahi laina a me ka pūnaewele a hiki ke kūʻai i nā uku e like me ka hoʻohanaʻana i ka hoʻokele i nā flights, nā hokele, nā hoʻomaha hoʻomaha, nā alakī, nā kaʻa hoʻolimalima, a me nā ukana pili.
ʻAʻole he uku makahiki ma ke Keʻena Kālā Kālā Kālāʻo BankAmericard e manaʻo nei e hiki iāʻoe keʻoliʻoli i kēia mau pono ma muliʻole o ka ukuʻana i kāu kaulike i kēlā me kēia mahina a pale aku i ka uku uku a me nā uku.
He koho maikaʻi ka Bank Credit Card Rewards Credit Card no nā mea kūʻaiʻole i ka waiwai nui,ʻo ka poʻe makemakeʻole e uku i ka makahiki makahiki, aiʻole e noho ana i nāʻano likeʻole.
Kāleka Kālā Kālā Loa Loa Loa: Chase Sapphire Reserve
E like me ke Chase Sapphire Preferred, Ka Chase Sapphire Reserve e uku i nā kumukūʻai 50,000 ke liloʻoe i $ 4,000 ma nā mahina muaʻekolu o ka weheʻana o kāuʻike. ʻO ka Chase Sapphire Reserve, ma ka hoʻohālikelike, e uku i 50 pakeneka ma ka ukuʻana i ka wā i ho'ōlaʻia ai lākou ma o Chase Ultimate Rewards, a he 50,000 bonus e like me $ 725 i ka heleʻana. Chase Sapphire Preferred wale nō ka uku o 25% wale nō ma nā uku i ho'ōlaʻia ma o Chase Ultimate Nā uku. Hiki iāʻoe ke loaʻa ka bonus ināʻaʻoleʻoe i loaʻa i kekahi bonus'ē aʻe mai kā Chase card mai i nā mahina he 24 i hala iho nei.
(Ua hāʻawiʻia aku nā puʻuwai bonus 100,000 a ka Sapphire i mua, akā hoʻohaʻahaʻa i ka palapala hōʻailona ma Ianuali 2017.)
E loaʻa kāu mau kūʻai i 3 mau helu no kēlā me kēia kālā i hoʻolimalimaʻia ma ka heleʻana a me kaʻaiʻana (e like me 2 mau helu me ke Chase Sapphire Preferred) a 1 ka helu no ka kālā ma nā kūʻai'ē aʻe.
ʻO nā uku wale nō ka hoʻomakaʻana o ka mea e hāʻawi aku ai ka Sapphire Reserve. E loaʻa iāʻoe kahi hōʻai'ē kālā $ 300 no ka hoʻolimalima houʻana no nā kūʻai kūʻai i hanaʻia i kāu kāleka.
E hāʻawiʻo Chase i kahi hōʻai'ē noi kālā $ 100 i kahi noi no ke Komo Komo Komo a TSA PreCheck. Kāu kāleka e hāʻawi iāʻoe i ka Prior Prior Pass Pass ka lālā e hāʻawi iāʻoe e hiki i nā lounges ākea o 900+.
E uku nā mea kālepa mua i $ 450 makahiki āpau a he $ 75 hou no kēlā me kēia mea hoʻohana i hoʻomakaʻia i ka makahiki mua. ʻO ka uku o ka makahiki āpau e lilo i mea kūʻai no kekahi, akā, he kāleka hōʻai'ē maikaʻi kēia a me nā uku a me nā mea e pili ana i ka uku a hiki i ka wā e hoʻohana aiʻoe iā lākou ae hoʻohana i kēia me kāu palapala kime.
Kāleka Kāleka Kou Kūkākūkāʻo Co-Branded: Amazon Prime Awards Visa Signature
ʻO ka Amazon Prime Rewards Visa Signature he kāleka hōʻai'ē hou hou, i hoʻomakaʻia i ka hoʻomakaʻana o ka makahiki 2017.
E loaʻa koke i ka poʻe kāleka'āpono i $ 71 Amazon Card i loaʻa i ka manawa i'āponoʻia ai kaʻike. ʻAʻole kahi palena hoʻolimalima palena palenaʻole aiʻole manawa kali no ka loaʻaʻana o ka bonus a hiki iāʻoe ke hoʻohana i ka bonus i kēia manawa.
Ke holo nei, hōʻai'ē ka hōʻai'ē Visa Amazon no ka hōʻai'ē he 5% ma Amazon.com e kūʻai ana (ponoʻoe i ka lālā koho kūpono); He 2 pakeneka ma nā haleʻaina, nā kelepaea, a me nā lāʻau kūʻai; a he 1 pakeneka hou i nā mea a pau.
Ma muli o kēia he kāleka kāleka i kākoʻoʻia, e manaʻoʻia e kākoʻoʻia e kahi mea kūʻai aku a me ka laikini kāleka nui, hiki iāʻoe ke hoʻohana i ka palapala ma waho o Amazon e hoʻonui i kou uku. Ma ka hoʻohālikeʻana, hiki ke hoʻohanaʻia ka Amazon Card Store ma Amazon.
Ke hoʻohuiʻoe i kāu kāleka ma kāu pūnaewele Amazon.com, hiki iāʻoe ke kūʻai i kāu uku i kēlā me kēia manawa i nā manawa a pau a iʻole kekahi o kāu kūʻai Amazon.com.
ʻO ka Amazon Prime Rewards Visa Signature hele mai me kekahi mau waiwai nui'ē aʻe,ʻaʻohe pili kālā'ē aʻe,'ainimena pōpilikia kaʻawale, hoʻolimalima hōʻahoʻiʻia, ukiuki loiloi ukana, kōkua huakaʻi a me nā kōkua kūikawā, kūʻai kūʻai a me ka palekana palekana.
ʻAʻole kālepa kālā a me nā uku kālepa'ē aʻe no ka kāleka.
Peheaʻoe e koho ai i ka hōʻai'ē kālā maikaʻi loa?
E noʻonoʻo i keʻano o nā uku āu e makemake ai e loaʻa, ka uku makahiki e makemake neiʻoe e uku, a me kāu mau hana maʻamau. Eia kekahi laʻana, inā makemakeʻoe e loaʻa ka uku kālā,ʻaʻoleʻoe makemake e uku i ka makahiki makahiki, aʻaʻole makemakeʻoe e hoʻololi i kāu mau hana maʻamau,ʻo ka uku nuiʻo Capital One Quicksilver he mea koho nui loa mai ka ukuʻana i ka uku pālahalaha. ma nā kūʻai a pau.
Hiki iāʻoe ke koho i hoʻokahi mau kāleka kāleka iʻoi aku ka nui o nā uku i loaʻa iāʻoe. No ka laʻana, inā hiki iāʻoe ke hoʻolilo i ka nui no ka hoʻopauʻana i ka uku makahiki, hiki iāʻoe ke hoʻohana i ka American Cash Cash Cash Preferred for your purchases of supermarket and gas and the Chase Sapphire Preferred for travel and dining purchases.
No kēlā me kēia kāleka e koho ai, e hōʻoiaʻiʻoʻoe e uku i kāu kaulike i ka piha a me ka manawa ma kēlā me kēia mahina. Ināʻole,ʻo ke kauʻana i ka palekana,ʻo ia hoʻi, ka ukuʻana i ka uku e uku ai i kāu uku. ʻO ka ukuʻana i ka hopena o ka manawa e hoʻohuiʻia ka uku o ka hōʻai'ē o kāu kāleka kāleka a hoʻokomo iāʻoe e hoʻokuʻu i kou uku.
E hoʻomanaʻo hoʻi,ʻaʻole e loaʻa nā uku i nā hoʻololi a me ke kūpono kālā. ʻO kēia mau hana e hana pinepine i nā uku a hoʻemi i ka hōʻai'ē e loaʻa no ka kūʻaiʻana i loaʻa ka uku. He maikaʻi ke hoʻohanaʻana i kahi kāleka hōʻai'ē maikaʻi wale nō no ka kūʻaiʻana i nā mea e loaʻa ai nā uku a mālama i nā hoʻololi palekana no kahi kāleka hōʻai'ēʻole.
E mālama ponoʻoe e hoʻopau wale i kāu mea e hiki ai. ʻO ka mālamaʻana i kou hōʻai'ē a me ka nohoʻoleʻana i ka aie e loaʻa ana nā uku i kēlā me kēia lā.
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.