Eʻoluʻolu i kahi hoʻokipa maikaʻi loaʻia e kēia mau pūkuniahi hoʻokele
ʻO ka hoʻohanaʻana i ka hōʻai'ē hōkele hōkele e hiki iāʻoe ke komo i nā loiloi nui e like me nā uku e hiki ai iāʻoe ke hoʻohana no nā pō āpau a me nā hoʻonani hoʻomaikaʻiʻana. ʻO ka hapa nui o nā kāleka hoʻokipa maikaʻi maikaʻi loa e hāʻawi aku i nā hoʻopuka hōʻoia inā e hālāwaiʻoe me ka palena kaulike. Eʻikeʻoeʻaʻole hiki iāʻoe ke loaʻa i kahi hōʻailona hōʻoia inā loaʻa iāʻoe hoʻokahi no kēlā kāleka kāleka i nā mahina he 24 i hala iho nei.
ʻO ka hōʻoiaʻiʻoʻana i kahi hōkele nui e hiki ke uku aku i kahi ala nui, i ka mea nui inā iāʻoe ke kāleka hōʻai'ē hōkele o kēlāʻaha a meʻoe he lālā o kāna papa hanaʻoiaʻiʻo. Ke kohoʻoe i kahi kāleka hōʻaika maikaʻi loa, hiki iā ia ke uku -ʻoiaʻiʻo - e noʻonoʻo i kahi kāleka kāleka ma waho o kāu koleka punahele punahele o kēia manawa. E nānā i nā kāleka hōʻaika maikaʻi loa no kēia makahiki.
01 Best Overall: Ka Hōʻikeʻike Kāleka Loaʻa Kū'ēʻo Starwood
Hāʻawiʻia ka uku kālā e ka Star Credit Loaʻa Loaʻa i nā uku e hiki ai iāʻoe ke kūʻai i nā pō ma kahi o nā SPG waiwai e komo ai, e komo pū ana me St. Regis, W Hotels, Westin a meʻehā Points e Sheraton. E loaʻa iāʻoe he 25,000 mau uku bonus ke liloʻoe i $ 3,000 ma ke kūʻaiʻana i loko o nā mahina muaʻekolu o ka weheʻana i kāu kāleka kāleka.
I kēia mau lā, loaʻaʻoe i elima Starpoint ma ke kālā no ka kūʻaiʻana ma nā hōkūʻo Starwood pono'ī,ʻelua Starpoints ma ke kālā no ka kūʻaiʻana ma nā huiʻo Marriott Rewards a me kahi Starpoint ma ka kālā no nā kūʻai'ē aʻe.
Ma ka lilo waleʻana i ka hale pule, e loaʻa iāʻoe ka hōʻai'ē no nā pōʻelima aʻelua mau noho i kēlā me kēia makahiki e pili ana i kahi kūlana kūʻokoʻa SPG. Hiki iāʻoe ke hoʻololi i Starpoints a hiki i kahi 30 mau polokalamu lele lele o ka'ahamele - kekahi mau mea e hāʻawi aku iāʻoe e hoʻololi i kekahi kumu hoʻokahi.
Palekana Nui :ʻO ka APR he 16.49 i ka 20.49 pakeneka ma nā kūʻaiʻana, ua hoʻokuʻuʻia ka $ 95 makahiki makahiki i ka makahiki mua aʻaʻole he uku kālā.
02'Okela o nā kohoʻana o nā koho: hōʻailonaʻo Marriott i ke kālā hōʻike mua
ʻO ka Marriott Rewards Premier Credit Card e hāʻawi iāʻoe e uku i kou uku no ka noho ma Marriott a me SPG hotels, e hāʻawi iāʻoe i kahiʻoi aku o 5,700 mau hōkele waiwai ma ka honua a puni. Me ka Marriott Rewards Premier Credit Card, hiki iāʻoe ke loaʻa i nā helu bonus 80,000 ma hope o kou liloʻana i $ 3,000 ma nā mahina muaʻekolu o ka weheʻana i kāu pūnaewele.
Loaʻa iʻelima mau helu no ke kālā i hoʻohanaʻia ma ke komoʻana o Marriott Rewards a me nā SPG ma ka honua a puni,ʻelua mau helu no ke kālā i hoʻolālāʻia ma nā hale kūʻai, nā keʻena hoʻolimalima kaʻa a me nā palapala konohiki i kūʻaiʻia ma o ka laina ea; a hookahi hapa ma ke dala no na mea e ae a pau e kuai ana.
Ma keʻano he maikaʻi, e loaʻa iāʻoe hoʻokahi Free Night Noho ma ka Hōʻailona 1 a 5 ma kēlā me kēia makahiki ma hope o ka hōʻailona o kāu moʻokāki i ka manawa ākea o kāu helu a me ke kūlana maikaʻi i kāu lā koho.
Palekana Nui :ʻO ka APR he 17.24 i ka 24.24 pakeneka ma ka kūʻaiʻana a me ka hoʻoiliʻana i nāʻaelike,ʻo ka uku makahiki he $ 95 aʻaʻohe uku kālā.
03 Ka maikaʻi o ka hōʻailona maikaʻi: Hilton HōʻikeʻikeʻAi Moku HōʻikeʻAi Moku'āinaʻAmelika
E loaʻa nā pane e hiki iāʻoe ke hoʻohana i ka nohoʻana ma nā Hilton hotels me ka Hilton Honors American Express Ascend Card. Hiki iāʻoe ke loaʻa i nā helu bonus 100,000. ʻO ka mua, loaʻaʻoe i 75,000 mauʻai kālā ma ka liloʻana i $ 2,000 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i kāu moʻokāki. A laila, hiki iāʻoe ke loaʻa he 25,000 mau bonusʻoi aʻe ma hope o kāu hana hou $ 1,000 ma ke kūʻaiʻana i loko o nā mahinaʻeono mua.
Ke holo nei, loaʻa iāʻoe 12 Hilton Honors Bonus Points ma kēlā me kēia kālā o ke kūʻai i hanaʻia me ka Hilton Portfolio; ʻeono Hilton Honors Bonus Points no kēlā me kēia kālā o nā kūʻai kūʻai kūpono ma nā haleʻai o nā US, nā supermarkets, a me nā keʻena kinoea; aʻekolu mau helu Hoʻohanohano Hilton ma ka kālā no nā mea a pau.
Palekana Nui :ʻO ka APR he 16.99 i ka 25.99 pakeneka ma ka kūʻaiʻana a me nā hoʻololi kauʻana,ʻo ka uku makahiki he $ 95 aʻaʻohe uku kālā.
04'Okela no nā Hōkū Hōkele:ʻO ka Ritz-Carlton Rewards Credit Card
Ma keʻano he kaupuni hou, e loaʻa iāʻoe kahi bonus oʻelua pō aloha i kēlā me kēia Tier 1 e hele ai i 4 Ritz-Carlton hotel, ma hope o kou liloʻana i $ 4,000 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i kāu kāleka kāleka. Eia hou, loaʻa iāʻoe kahi 10,000 mau bonus ma hope o kou hoʻohuiʻana i ka mea mua i hoʻohanaʻia a hoʻohana i kahi kūʻai i loko o nā mahinaʻekolu i hoʻomakaʻia ai kāu hōʻike.
ʻO kāu mau kūʻai e loaʻa iʻelima mau helu no ke kālā i hoʻolālāʻia ma nā keʻenaʻo Ritz-Carlton Rewards a me nā hui pūnaewele SPG; elua mau helu no ke kālā i hoʻolimalimaʻia ma nā tiketi ukali (e kūʻai pololeiʻoe me kaʻoihana airline), ma nā haleʻaina, a ma nā keʻena uku hoʻolimalima hale kaʻa; a hoʻokahi hapa ma ke kālā no nā mea a pau.
I kēlā makahiki kēia makahiki, e loaʻa iāʻoe kahi hōʻai'ē kālā he $ 300 e hiki ai iāʻoe ke hoʻohana no nā ukana pili, nā hoʻonā hale, ka lumi hoʻokipa kahiki, a me nā kaʻa kaʻa'ē aʻe. Hiki iāʻoe ke hoʻouka i ka Papa Ritz-Carlton Levelʻekolu manawa i kēlā me kēia makahiki. Loaʻa ka mōhai ma nā noho uku i loaʻa i nā pōʻehiku.
E hoʻomaopopo, he kāleka hōʻai'ē makemake kēia me ka uku makahiki he $ 450.
Paʻi Kūlana Nui :ʻO ka APR he 17.24 i ka 24.24 pakeneka,ʻo ka uku makahiki he $ 450 aʻaʻohe uku kālā.
05 Paipai no nā hokeleʻo Hyatt: Ka Hōʻai'ē Kāpenaʻo Chatt
Me ke Keʻena Kālepaʻo Hyatt, loaʻaʻoe i nā kālā bonus 40,000 ma hope o kou liloʻana i $ 2,000 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i kāu pūnaewele. Hoʻolahalaha, loaʻa iāʻoe nā puʻu waiwai 5,000 ma hope o kou hoʻohuiʻana i kāu mea hoʻohana mua loa a hana i kahi kūʻai i loko oʻekolu mau mahina o ka weheʻana i kāu pūnaewele. He manawa kūpono ia no ka loaʻaʻana o nā helu bonus 45,000.
E loaʻa iʻekolu mau helu no ke kālā i hoʻolālāʻia ma nā hōkele o Hyatt; elua mau helu no ke kālā i hoʻolālāʻia ma nā haleʻaina, ma nāʻaelike pili moana i kūʻaiʻia mai nāʻoihana airline a me nā keʻena hoʻolimalima hale kaʻa; hoʻokahi helu ma ke kālā no nā mea a pau. ʻAʻole e pau kou mau helu i nā lā a pau e waiho ana i kāu Hyatt Credit Card. Hiki iāʻoe ke hoʻomaka e kūʻai i kāu mau helu no nā pō maʻamau ma kahi o 5,000 wale nō.
Ma keʻano he uku, eʻoliʻoliʻoe i hoʻokahi pō maʻemaʻeʻole i kēlā me kēia makahiki ma hope o ka pihaʻana o kāu papa mele. E koho i kahi hoʻolālā ma ka papa inoa 1 a 4 paha.
Ka uku nui:ʻO ka APR he 17.24 i ka 24.24 pakeneka, he $ 75 nā makahiki āpau aʻaʻohe he uku kālā.
06 Paipai no nā hoʻoili kaulike: Wyndham Rewards Visa Signature
ʻO ka Wisa a Wyndham Reward Visa Signature kekahi o nā bonus hōʻailona hōʻailona maikaʻi loa o kēlā me kēia kāleka kāleka. E loaʻa nā waiwai bonus 15,000 ma hope o kāu kūʻai mua. ʻAʻole hoʻolālā kālā maʻamau e pono ai. ʻO ka bonus 15,000 ka lawa e kūʻai ai no ka 1 pō wale.
Ke hele neiʻoe, loaʻaʻoe iʻekolu mau helu no ke kālā i hoʻolālāʻia ma nā noho hoʻomaha o nā hōkele a me nā heluʻelua no ke kālā i hoʻoliloʻia ma ke kinoea, ka mea kūʻai, a me nā pono. E noʻonoʻoʻaʻole he "helu hoʻokahi ma ke kālā no nā mea āpau'ē aʻe." No ka loaʻaʻana o ka nui o kāu uku, ponoʻoe e hoʻohana i kēia kāleka no nā'āpana uku.
Loaʻa iāʻoe ka koho o ka hoʻololiʻana i kahi palekana a me ka hoʻohanaʻana i ka hāʻawi mua. Eʻoluʻolu i ka hapalua o ka APR no nā holo wikiwiki 15 mua no kēlā me kēia palekana kauʻana i kāu moʻokāki i loko o 45 mau lā ma ka weheʻana. Ma hope o kēlā, e loaʻa i nā hoʻololi kūpono ka uku kūʻai.
Pane Nui:ʻO ka APR he 16.49, 21.24 aiʻole 26.24 pakeneka ma ka kūʻaiʻana. ʻAʻole he uku makahiki. ʻO ka uku hoʻolimalima kaulike he $ 5 aʻekolu paha pakeneka ka nui.
07 He mea maikaʻiʻole ka uku makahiki:ʻO ka huiʻo Club Carlson Visa Card
Hāʻawi ka Club Carlson Rewards Card i 30,000 mau kālā Goldus inā e hoʻoliloʻoe i $ 1,000 i nā 90 mau lā o ka weheʻana i kāu pūnaewele. Ponoʻoe e mālama i kāu pūnaewele no nā mahinaʻeono iʻole e mālama i kāu bonus. Loaʻa ka bonus i nā lā a pau āu i loaʻaʻole ai kēia kāleka aiʻole kekahi kāleka hōʻai'ē Club Carlson i loko o 12 mau mahina.
Eʻimi i nā kumukūʻai Goldʻekolu ma ke kālā ma ke komoʻana aku o nā hokeleʻo Carlson Rezidor ma ka honua holoʻokoʻa a me hoʻokahi kumukūʻai gula no ka kālā ma nā wahi'ē aʻe. Hiki iāʻoe ke loaʻa hoʻokahi pō maʻamau i ka wā e uku aiʻoe iā $ 10,000 ma kou makahiki makahiki a hoʻololi i kāu kāleka. ʻO nā hōkeleʻo Carlson Rezidor ka hui pūʻia a Carlson a Quorvus Collection, Radisson a me nā hōʻailona ma ka hōkele.
Pane Nui :ʻO ka APR he 24.24 pakeneka ma ka kūʻaiʻana a me ka hoʻoiliʻana i nā paleʻai aʻaʻole hoʻi he uku makahiki.