Isenokuvakala ngathi lugqatso lwemali ukubhukisha iholide ngokupheleleyo ngamanqaku. (Inqwelo-moya eya eParis nge-0 yeedola epokothweni? Ewe, nceda.) Kodwa xa ithuba lokubuyisela imali kwakhona liphezu kwetafile, kunokuba nzima ukwazi ukuba leliphi ixabiso elingcono. Yingakho sibize uJulian Kheel, umlawuli kunye nomhlalutyi ophezulu The Points Guy , ukusifundisa ukubala olona khetho lufanelekileyo.
Izinto ZokuQala Kuqala: Ngawaphi Amanqaku okanye Iimayile Ezixabisekileyo?
Umzekelo, iCiti AAdvantage Platinum Select World Elite Mastercard ngoku ibonelela ngebhonasi yeemayile ezingama-50,000. I-Points Guy ixabisa i-American Airlines AAdvantage yeemayile kwi-1.4 yeesenti nganye. Phindaphinda-phinda i-50,000 yeekhilomitha nge-1.4 yeesenti kwaye kucacile ukuba ibhonasi ixabisa i-700 yeedola.
Ungasebenzisa inkqubo efanayo ukubona ukuba imbuyekezo eqhubekayo kwikhadi lokuhamba ingcono na kunaleyo ikwikhadi lokubuyisela imali. Ngokomzekelo, i-Citi Double Cash Card ifumana i-2 yepesenti yemali emva kwayo yonke into ethengiweyo, ngelixa i-Hilton Honours American Express Card ifumana amanqaku e-3 Hilton ngedola kwizinto ezininzi ezithengiweyo.
Ngokutsho koqikelelo lwe-Points Guy, amanqaku e-Hilton angama-0.6 kuphela eesenti nganye, ngoko ke kwidola nganye oyichithayo, ufumana kuphela i-1.8 yeesenti-ngaphantsi kweesenti ezi-2 ngedola oza kuyifumana nge-Citi Double Cash.
Kukho Ezinye Izinto Emaziqwalaselwe
Izinto ezinje ngonikezelo olwamkelekileyo kunye neebhonasi zokubhalisa (eziqhelekileyo kunye namakhadi okuthenga ngetyala anikezela ngeemayile zokuhamba) zinokubonisa isikali xa kufikwa ekumiseleni ukuba leliphi ikhadi elivelisa umvuzo ongcono. The Chase Sapphire Preferred Card inikezela ngebhonasi yokubhalisa yamanqaku angama-60,000 (ixabiso le-1,200 yeedola xa lisetyenziswa phantse kwiinqwelomoya zeqabane eli-13 kunye neehotele, ngokutsho kwamaxabiso amva nje e-The Points Guy) emva kokuba wenze i-,000 ekuthengeni kwiinyanga zakho ezintathu zokuqala zokuvula i-akhawunti. . Amakhadi okubuyisela imali, kwelinye icala, athanda ukunika iibhonasi zokubhalisa ezixabisa amakhulu amabini eedola kakhulu.
Kwakhona kuhle ukuqaphela izinto ezithanda iindidi zenkcitho yebhonasi (umzekelo, iKhadi eliKhethekileyo le-Chase Sapphire linikezela ngamanqaku angama-3x oMvuzo wokuGqibela kuzo zonke izinto zokuhamba kunye nokutya okuthengiweyo) kunye neentlawulo zonyaka (ezinye iifizi zonyaka zingaphezulu kwe-350 yeedola, eziphazamisana naziphi na iinzuzo zamanqaku) .
Okukwintsusa
Ukumisela ngokwenyani ixabiso lembuyekezo yekhadi elithile elinikezelayo, kuya kufuneka ujonge uqingqo-maxabiso (ulwazi oluhlaziywa rhoqo kwi-Points Guy) kwaye uliphindaphinde elo nani ngesixa sebhonasi.
Oko kuthethiweyo, uKheel unokukhetha okuphezulu kuhlobo ngalunye lwekhadi: 'I Citi Imali ephindwe kabini liqinile, ikhadi umva imali mihla eziya kunceda abantu abaninzi kakuhle, kunye Chase iSapphire ekhethwayo likhadi elikhulu lokuvuza lokuhamba elinokulungela iimfuno zabo baqalayo kunye nabahambi abaphambili.
ENXULUMENEYO: ULihlawulela Njani Iholide Yakho Yonke kumanqaku ekhadi letyala
