ʻO ka hoʻonui kālā kālā nui ka hapa nui o kaʻohana kālā. E hiki i kahiʻohanaʻehā ke lilo ma waena o $ 500 a $ 1,300 ma ka mahina ma ke kūʻaiʻana, ma muli o ka makahiki o nā keiki, e like me ka US Department of Agriculture's Cost of Food Report no Fepeluali 2018. Hiki i nāʻohanaʻuʻuku a me nā mākua keʻike i ka hoʻolimalima kālā e hoʻonui i $ 700 ma ka mahina.
He aha inā inā hiki iāʻoe ke loaʻa kekahi o ia mau kālā ma keʻano o ka uku kāleka kāleka .
Ma ka hoʻohanaʻana i ke kāleka kāleka pololei no nāʻoihana kūʻai, hiki iāʻoe ke hōʻoki i ka nui o ka uku kālā kāleka. E koho i ka kāleka kāleka pololei a hiki iāʻoe ke loaʻa nā uku ma nā kāleka'ē aʻe e kūʻai ana.
ʻO Blue Cash i makemakeʻia mai kaʻAmelika
ʻO kaʻaelike Kikokikona Blue Cash Preferred American Express e uku i ka nui o ka uku kāleka kiʻekiʻe loa ma ka kūʻaiʻana o kekahi kāleka kāleka. E loaʻa iāʻoe he 6 pakeneka kālā ma nā kāleke US ma luna o ka $ 6,000 o ka makahiki ma ke kūʻaiʻana. ʻO ia $ 360 ināʻoe e hoʻolilo i $ 6,000 a pau ma ka kūʻai. E uku houʻoe i 3% kālā ma nā pūnaehanaʻea ma US a koho i nāʻoihana a he 1 pakeneka waiwai ma nā mea a pau, e like me nā kūʻai kūʻai kūʻai ma luna o $ 6,000 i ka makahiki makahiki.
E loaʻa iāʻoe kahi hōʻai'ē kālā kālā $ 200 inā hoʻohanaʻoe i $ 1,000 ma ke kūʻaiʻana i nā mahina mua 3. E hana maʻalahi ia no ka uku makahiki he $ 95, no ka makahiki mua loa.
ʻO Blue Cash Ka Leka Poʻomanaʻo MaiʻAkaʻAmelika
Inā hoʻololiʻoe i ka manaʻo o kahi $ 95 makahiki makahiki, hiki i ka Blue Cash Ka Leka Kuleana mai American Express ke nānā aku i ka maikaʻi ma kāu pēke.
ʻO ke kālepa e uku uku i ka uku uku kālā ma nā kālepa US ma kahi o $ 6,000 o ka makahiki ma nā kūʻai'ana- $ 180 i ka huina kālā inā e hoʻoliloʻoe i $ 6,000 ma nā hana kūʻai. E loaʻa iāʻoe he 2 pakeneka kālā ma nā pūnaehanaʻea ma US a koho i nāʻoihana a he 1 pakeneka waiwai ma nā mea a pau, e like me nā kūʻai kūʻai kūʻai ma luna o $ 6,000 i ka makahiki makahiki.
E loaʻa iāʻoe kahi hōʻai'ē kālā kālā $ 150 ke hoʻohanaʻoe i $ 1,000 ma ke kūʻaiʻana i nā mahina mua 3.
ʻO Amazon Pōʻani Visa
Me ka Amazon Prime Rewards Visa, loaʻa iāʻoe he 5% hoʻi ma Amazon.com a me ka kūʻaiʻana i nā Food Food Market, me ka 2 pakeneka hoʻi i nā haleʻaina, nā kīʻaea lāʻau, a me nā lāʻau kūʻai lāʻau, a he 1 pakeneka hoʻi i nā mea a pau.
Amazon Nā lālā o nā lālā koho i koho iāʻoe e komo i ka Prime Pantry, kahi hale kūʻai kahi e kūʻai aiʻoe i nā meaʻai a me nā meaʻai hale. E hoʻohana i kāu Visa Pōʻani Amazon ma kēia mau kūʻai kūʻai a loaʻa ka 5 pakeneka hou.
ʻAʻole he uku makahiki, akā he pono kāu e koho i ka lālā lalā e'āponoʻia no ke kāleka kāleka. ʻO ka lālā o ke mema kūikawā e uku nei $ 49 i kēlā me kēia makahiki no nā haumāna a he $ 99 no ka makahiki no nā mea'ē aʻe. Ponoʻoe e lilo i mea e pale ai i nā kumukūʻai o ka Poʻokela Makahiki no ke kāleka kāleka.
Kālāʻo Bank of America Kālā Kālā Kālā Kālā
Loaʻa he 3 pakeneka ma hope o ke kinoea a me ka 2 pakeneka ma hope o nā mea kūʻai a me nā kāleʻa nui i ka $ 2,500 mua i ka kūʻaiʻana i ka meaʻai, gas, a me ka lāʻau kūʻai nui i kēlā me kēia mehema; alaila, 1 pakeneka hou i na mea a pau.
Inā loaʻa iāʻoe kahi pūlāwai a'ake kālā paha me Bank of America a me Merrill Lynch hiki iāʻoe ke loaʻa i kahi bonus 10% ma kāu mau uku.
A inā mālamaʻoe i kahi hōʻai'ē o $ 20,000 aʻoi aku paha i loko o kekahi o kēlā mau moʻokāki, hiki ke kuhi ka uku kālā i 25 pakeneka i 75 pakeneka ma muli o kāu kaulike.
No ka hōʻoiaʻana o ka bonus, hiki iāʻoe ke loaʻa $ 150 ināʻoe e hoʻohana $ 500 i nā malamaʻekolu o ka weheʻana i kāu pūnaewele. Hoʻolaha, eʻae i kahi 0% hoʻokomo APR no nā papahana hoʻoili kālā mua 12 e pili ana i nā kūʻai a me nā hoʻololi hoʻoili i loko o nā lā 60 mua. ʻAʻole he uku makahiki.
Chase Freedom Unlimited
ʻO ka Chase Freedom Unlimited ka uku kālā. ʻO nā kūʻai a pau-ʻo ka kūʻaiʻana i nā mea kūʻai - e loaʻa i ka 1.5 pakeneka kālā palenaʻole me ka ukuʻole makahiki. Hiki iāʻoe ke loaʻa he $ 150 bonus ma hope o kou liloʻana i $ 500 ma ke kūʻaiʻana i nā lā 3 mua o ka weheʻana i kāu pūnaewele. Inā heʻai nuiʻoe, hiki iāʻoe ke loaʻa ka bonus hōʻailona i loko o hoʻokahi mahina aʻelua paha wale nō.
ʻAʻole loaʻa he uku palena nui no kāu kālā, hiki iāʻoe ke ho'ōla i kēlā manawa kēia manawa, aʻaʻole e pau kou uku i ka wā e wehe ana kāuʻike a kūpono.
Inā loaʻa iāʻoe kekahi palapala kāleka Chase'ē aʻe, e like me Chase Sapphire makemakeʻia e laʻana, hiki iāʻoe ke hoʻohui i kāu uku e hoʻonui ai i ka waiwai. E hoʻomanaʻo he hiki ke loaʻa iāʻoe kahi bonus'ē aʻe mai Chase i loko o nā mahina he 24 i hala iho nei.
Eʻoluʻolu i ka helu o ka APR no ka lōʻihi he 15 mau mahina ma ka kūʻaiʻana a me ka hoʻoiliʻana i ke kaulike. Ma hope o ia,ʻo ka APR mau he 16.24 pakeneka i ka 24.99 pakeneka. E noʻonoʻo i ka hoʻoiliʻana o nā kaulikeʻaʻole loaʻa nā uku a me ka palekana kāu hoʻololiʻana e ho'ēmi ana i kāu hōʻai'ē e loaʻa ana a paʻakikī hoʻi i ka hoʻokōʻana i nā koi no ka hōʻailona hōʻailona.