Ukubuyisela imali kunye nemivuzo yokuhamba ngokusebenzisa i-biz yakho
Ukuba uchitha ixesha elininzi usebenza kwishishini lakho elincinci, ukuba nekhadi lesikweletu elifanelekileyo liyimfuneko. Ikharityhulam encinci yekhredithi yamashishini ikunika ukulungelelanisa okufuneka uyihlawule iindleko zoshishino xa ufutshane kwi-capital. Okanye, ungasebenzisa ikariti yekredithi yeshishini lokufumana iimbuyekezo kwiindleko zakho eziqhelekileyo zoshishino - uhlawule ngokupheleleyo ngokufumana inzuzo enkulu.
Kuluhlu lwethu, uza kufumana iindidi zamakhadi-mboleko ezihlawula ibhonasi yokubhalisa ngokukhululekile kunye nemivuzo, abanye abangenakho umlinganiselo wokuchitha imali, okwenza ibhizinisi lakho likwazi ukuthenga oko likufunayo, kunye nekhadi lesikweletu elikunika isaphulelo sokubuyiswa kwangaphambili.
01 - Ibhonasi yokuBhalisa ngokugqithiseleyo: Chase iNkampani ebandakanyekayo
Ukufumana amanqaku angama-80,000 emva kokuchitha i-$ 5,000 kwiintlawulo zokuqala kwiinyanga ezintathu zokuqala emva kokuvula iKhadi leKhadi eliKhethekileyo leKhadi eliKhethekileyo. Ibhonasi ye-80K ixabisa ukuya kuma-$ 1,000 kumvuzo wokuhamba xa uhlawulela kwi-Chase Ultimate Rewards.
Ngokuqhubekayo, uza kufumana amanqaku amathathu nge dollar kwi-$ 150,000 yokuqala yokuchitha imali kwiindidi zoshishino ngamnye ngonyaka. Izigaba ziquka ukuhamba, ukuthumela, intanethi, ikhefu, ifowuni, kunye neendaba zoluntu / iinjongo zokukhangela iintengiso. Zonke ezinye izinto ezithengiweyo zifumana inqaku elingenamkhawulo nge dollar.
Amaphuzu anelungelo elingama-25 ekhulwini xa uwahlawulela i-airfare, ihotele, ukuqashisa imoto kunye nokuhamba ngee-Chase Ultimate Rewards. Unokwenza i-1: 1 iphuzu lokudluliselwa kwiinkampani ezithile ze-Chase Ultimate Rewards. Oko kuthetha ukuba awuyi kulahlwa nayiphi na ingongoma ekuguquleni.
Intengo ebalulekileyo : APR i-16.99 ukuya kwi-21.99 iphesenti. Intlawulo yaminyaka yonke i-$ 95 kwaye akukho mali yokuthengiswa kwamanye amazwe.
02 - Ikhadi lokuTyala elifanelekileyo: I-Platinum Card yaseBusiness evela kwi-American Express
NgePlatinum Card evela kwi-American Express, unelungelo lokufumana i-75,000 Imfanelo Yobulungu. Okokuqala, uza kufumana amanqaku angama-50,000 Amalungelo eMbuyekezo emva kokuchitha i-$ 10,000 kunye namaziko angaphezulu kwama-25,000 xa usebenzisa imali engaphezulu kwama-R10 000 ngaphezulu kokuthenga okufanelekileyo kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho.
Fumana amanqaku amahlanu nge dollar kwiinqwelo-moya kunye neehotele ezihlawulwa kuqala zibhuke ngeimextravel.com; Iingqinamba ze-1.5x nge dollar ekuthengeni ishishini olufanelekileyo lwama-5,000 okanye ngaphezulu-ukuya kwii-1 zezigidi; kunye nenqaku eli-1 nge dollar kuyo yonke into.
Khangela ama-bonus angama-500,000 ngonyaka. I-Amex inikela ngamaphesenti angama-35 eengongoma zakho emva kokuba usebenzisa iMbuyekezo Yobulungu ukuhlawula yonke into okanye inxenye yokufumana imali efanelekileyo.
I-Business Platinum Card evela kwi-American Express yikhadi lekhadi elithetha ukuba uhlawula ibhalansi yakho ngokupheleleyo ngenyanga. Oku kusindayo ekuhlawuleleni inzala kwimali yakho, indleko eya kuhlawula umvuzo owuzuzile.
Jabulela i-$ 200 yemirhumo yeentlawulo zeenqwelo-moya zonyaka ngamnye ukufaka isicelo kwiimali ezinje ezifana neengxowa ezitshekishweyo kunye nokuthengwa kweenqwelo-moya ozihlawula ngekhadi lakho lesikweletu.
Ixabiso elibalulekileyo : Kukho imali engama-$ 450 yonyaka kwaye akukho mali yokuthengiswa kwamanye amazwe.
03 - Eyona ndlela ihamba phambili kwiihotele: iKhadi leKharityhulam yeNkampani yeeNdwendwe ebizwa ngokuba yi Starwood
Fumana ama-Starpoints ama-25,000 ebhonasi xa usebenzisa i-$ 5,000 ekhadini lakho kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Iinkwenkwezi zinokuhlawulelwa ubusuku obukhululekileyo kumahotele angaphezu kwe-1,300 kunye neendawo zokuhlalisa kumazwe angaphezu kwama-100 kungekho mihla yokuphela.
Uza kufumana kwii-Starpoints ezintlanu kuzo zonke iidola ozichithayo ekuthengeni kwiindawo zee-SPG ezithatha inxaxheba (ezimbini zamaphuzu zivela ekubeni yi-cardmember ngelixa amanqaku amathathu asele avela ilungu le-SPG); ezimbini ii-Starpoints nge-dollar ekuthengeni kwiihotele zemivuzo ye-Marriott; kunye neNkanyezi enye nge dollar kuyo yonke into.
Nangona unako ukhetho lokuthatha ibhalansi kwikhadi lakho lekhredithi kwaye uhlawule umyinge kwibhalansi, kungcono ukuhlawula umvuzo wamakhadi ngokulinganisela inyanga nganye ukuphepha umdla kunye nokufumana inzuzo epheleleyo yemivuzo yakho.
Ezinye iikhadi zekhredithi zibandakanya: ukufikelela kwi-intanethi ye-premium kwi-intanethi. i-Boingo Wi-Fi engenamkhawulo ukuya kumaziko amane; Ukufikelela okufikelelekileyo kwiLounge yeClub yeSolaton; ikhredithi ngobusuku bobusuku kunye nobabini bahlala kwi-SPG indawo ephakamileyo ngonyaka.
Ixabiso elibalulekileyo : Ukuthenga i-APR ngu-16.49, 18.49 okanye i-20.49 iphesenti ngokuxhomekeke ekukhoneni kwakho. Intlawulo ye-$ 95 yonyaka ikhutshwe ngonyaka wokuqala kwaye akukho mali yokuthengiswa kwamanye amazwe.
04 - I-Airline ehamba phambili: I-CitiBusiness AAdvantage Platinum Khetha i-World MasterCard
Ukufumana amawaka angama-60,000 e-American Airlines AAdvantage bonus mayela emva kokuchitha i-$ 3,000 kwiintlawulo zokuqala kwiinyanga ezintathu zokuvula i-akhawunti yakho. Uyakulungele ibhonasi nje ngokuba awuzange ube neCitiBusiness okanye AAdvantage ikhadi elivulwe okanye livaliwe kwiinyanga ezingama-24 ezidlulileyo.
Ngokuqhubekayo, uza kufumana iilidi ezimbini ngeedola ezichithwe kwiindidi zoshishino; Amanqaku amabini nge dollar kwi-American Airlines yokuthenga; kunye nenqaku elilodwa nge dollar kuyo yonke into. Yongeza ikhadi lebhiziniselwano lomqeshwa ukufumana eyongezelelweyo iikhilomitha. Akukho sikhombi kwiibhaso onokuzifumana. Amaphuzu akho akayi kuphelelwa ixesha elide njengoko ufumana okanye usebenzise umvuzo ubuncinane kanye emva kweenyanga ezili-18.
Ezinye iipaki ziquka iSatifikethi se-American Airlines Companion xa usisebenzisa i-$ 30,000 okanye ngaphezulu ngonyaka; Ukugcina imali engama-25 kwi-flight purchases xa usebenzisa i-CitiBusiness AAdvantage Platinum Select World MasterCard; kwaye isikhwama sokuqala sihlolwe sikhululekile kwiinqwelo zasekhaya zaseMelika Airlines.
Ixabiso elibalulekileyo : I-APR yokuthenga i-16.99 ukuya kuma-24.99 ekhulwini ngokusekelwe kwintengo yemboleko. Intlawulo yaminyaka yonke i-$ 95 kwaye isuswa kwiinyanga ezili-12 zokuqala. Akukho mali yokuthengiswa kwamanye amazwe.
05 - Inzuzo engcono yokubuyisela imali: i-American Express Plum
Intsha ye-American Express Plum ikunika isaphulelo sokubuyisela ibhalansi yakho ekuqaleni. Ipesenti ye-1.5 yepesenti yokuhlawula isaphulelo sisebenza kwinxalenye yemali oyihlawulayo kwiintsuku ezili-10 kumhla wokuvala. Ukuba uchitha i-$ 10,000 kwaye uhlawula ibhalansi kusasa, uza kulondoloza i-$ 150 ngaloo nyanga. Akukho sikhokhelo kwisaphulelo, kodwa kufuneka uhlawule ubuncinci ubuncinane ngenxa yosuku olufunekayo.
Ukuba ukhetha ukungasebenzisi i-discount discount, unokufikelela kwiintsuku ezingama-60 ukuhlawula ibhalansi yakho epheleleyo kwaye ungahlawulanga nzala.
Akukho mkhawulo wenkcitho ehleliweyo kwi-American Express Plum. Kunoko, amandla akho okuthenga asekelwe ekusebenziseni ikhadi kunye nezinye izinto.
Jabulela i-Amex Vula iinzuzo ezifana nokulahlekelwa kwemoto yokulahlekelwa kunye nenkunkuma yomshuwalense, ukhuseleko lokuthengwa, i-inshurensi yengxowa, uncedo lwe-premium, i-inshurensi yengozi kunye newarranty.
Intengo ebalulekileyo : $ 0 yentlawulo yonyaka yonyaka, ke i $ 250. Akukho mali yokuthengiswa kwamanye amazwe.
06 - Eyona ndlela ihamba phambili kwiCash: I-Capital One Spark Cash
Nge-Capital One Spark Cash, unethuba lokufumana ibhonasi yemali eyi-$ 500 xa uchitha i-$ 4,500 ngemali ekuthengeni kwiinyanga ezintathu zokuqala ze-akhawunti.
Ngokuqhubekayo, ukuthengwa kwekhadi lakho lesikweletu kukufumana imali engapheliyo yeepesenti ezimbini. Ukuba uchitha kakhulu kwi shishini lakho, unethuba lokufumana amawaka eedola ngembuyekezo ngonyaka. Hlawulela umvuzo wakho naliphi na ixesha nakweyiphi na imali. Akukho nto yokuhlengwa.
Ukuba unabasebenzi abaye bathenge ibhiziniselwano lakho, ungeze iikhadi zomsebenzi ngaphandle kweendleko ezongezelelweyo kwaye ufumane imivuzo kubo bonke ukuthenga kwabo. Ikhadi liquka uxanduva lokukhwabanisa. Ngoko awukho uxanduva lokuthenga ngobuqhetseba okanye ukungagunyaziswanga okwenziweyo kwi-akhawunti yakho.
Njengengeniso eyongezelelweyo, uya kufumana ingxelo yenyanga yekota yakho yokunceda ukucwangcisa, uhlahlo lwabiwo-mali kunye neerhafu. Imboleko efanelekileyo kakhulu iyadingeka.
Intengo ebalulekileyo : Thenga i-APR: 17.99 ekhulwini. Imali yonyaka i-$ 0 kunyaka wokuqala, i-$ 95 emva koko kwaye akukho ntlawulo yokuthengiswa kwamanye amazwe.
07 - Uhambo oluPhambili oluPhezulu: iNkunzi yokuqala yeeMark
I-One One Spark Miles ihlawula ibhonasi yexesha elilodwa leekhilomitha ezingama-50 000, xa uchitha ii-4,500 zamaRandi ekuthengeni kwiinyanga ezintathu zokuqala. Ibhonasi ye-50K ilungele i-$ 500 ekuhambeni.
Ngokuqhubekayo, ukuthenga kwakho kuya kufumana iimali ezimbini ezingenamkhawulo nge dollar kuyo yonke intengo. Oko kuthetha ukuba akukho zigaba zenkcitho zokugcina. Zichitha nje njengoko ufuna ukuba ushishino lwakho kwaye ufumane imivuzo. Hlawulela iikhilomitha zakho nanini na, nakweyiphi na imali.
Njengoko i-Capital One Spark Cash, unokongeza amakhadi abasebenzi abongezelelweyo ngeendleko ezongezelelweyo. Ukuthengwa okwenziwa kumakhadi abasebenzi kuzuza iimbuyekezo. Uzakufuna iikrediti ezigqwesileyo ukuze ufaneleke kwi-Capital One Spark Miles Card.
Intengo ebalulekileyo : Thenga i-APR: 17.99 ekhulwini. Imali yonyaka i-$ 0 kunyaka wokuqala, i-$ 95 emva koko kwaye akukho ntlawulo yokuthengiswa kwamanye amazwe.