Kungase kubonakale kuwukuvukela umbuso ngempela ukubhukha iholide ngamaphoyinti. (Imali yendiza eya e-Paris ngo- Kungase kubonakale kuwukuvukela umbuso ngempela ukubhukha iholide ngamaphoyinti. (Imali yendiza eya e-Paris ngo-$0 iphuma ephaketheni? Yebo, ngiyacela.) Kodwa uma amathuba okubuyiselwa imali esetafuleni, kungaba nzima ukwazi ukuthi iyiphi inani elingcono. Kungakho sibize uJulian Kheel, umqondisi nomhlaziyi omkhulu ku Insizwa Yamaphuzu , ukusifundisa ukuthi singabala kanjani ukukhetha okungcono kakhulu. Isibonelo, i-Citi AAdvantage Platinum Select World Elite Mastercard okwamanje inikeza ibhonasi yamamayela angu-50,000. I-Points Guy ibiza amamayela e-American Airlines AAdvantage ngamasenti angu-1.4 lilinye. Phindaphinda amamayela angu-50,000 ngamasenti angu-1.4 futhi kuyacaca ukuthi ibhonasi ibiza u-$700. Ungasebenzisa isistimu efanayo ukuthola ukuthi imiklomelo eqhubekayo ekhadini lokuhamba ingcono yini kunaleyo esekhadini lokubuyisela imali. Isibonelo, i-Citi Double Cash Card izuza imali engamaphesenti angu-2 kukho konke okuthengiwe, kuyilapho i-Hilton Honours American Express Card izuza amaphoyinti e-Hilton angu-3 ngedola ngayinye ekuthengeni okuningi. Ngokwezibalo ze-The Points Guy, amaphuzu e-Hilton angamasenti angu-0.6 kuphela, ngakho-ke ngedola ngalinye olichithayo, uthola kuphela amasenti angu-1.8—ngaphansi kwamasenti angu-2 ngedola ongawazuza nge-Citi Double Cash. Izinto ezifana nokunikezwa kokwamukela kanye namabhonasi okubhalisa (okujwayelekile namakhadi esikweletu anikezela ngamamayela ohambo) zingathipha izikali uma kuziwa ekunqumeni ukuthi yiliphi ikhadi eliletha umvuzo ongcono. I-Chase Sapphire Preferred Card ikunikeza ibhonasi yokubhalisa yamaphuzu angu-60,000 (ebiza u-$1,200 uma isetshenziswa cishe ezindizeni ezingu-13 zozakwethu nasemahhotela, ngokwezibalo zakamuva ze-The Points Guy) ngemva kokuthenga u-$4,000 ezinyangeni ezintathu zokuqala zokuvula i-akhawunti. . Amakhadi okubuyisela imali, ngakolunye uhlangothi, avame ukunikeza amabhonasi okubhalisa angabiza amakhulu ambalwa amadola kakhulu. Kuhle futhi ukuqaphela izinto ezifana nezigaba zokusebenzisa ibhonasi (isibonelo, i-Chase Sapphire Preferred Card inikeza amaphuzu angu-3x Ultimate Rewards kukho konke ukuthenga kohambo nokudla) kanye nezinkokhelo zonyaka (ezinye izinkokhelo zonyaka zingaphezu kuka-$350, okuphazamisa noma yiziphi izinzuzo zamaphuzu) . Ukuze unqume ngempela ukubaluleka kwemiklomelo enikezwa ikhadi elithile, uzodinga ukubheka inani (ulwazi olubuyekezwa njalo ku-The Points Guy) futhi uphindaphinde leyo nombolo ngenani lebhonasi. Sesikushilo lokho, uKheel unokukhetha okuphezulu kohlobo ngalunye lwekhadi: 'I I-Citi Double Cash iyikhadi eliqinile, lansuku zonke elibuyisela imali elizosebenzela abantu abaningi kahle, kanye Chase Sapphire Okuthandwayo iyikhadi elihle kakhulu lemiklomelo yokuhamba elingafanelana nezidingo zabo bobabili abasaqalayo nabahamba phambili. OKUhlobene: Ulikhokhela Kanjani Iholide Lakho Lonke Ngamaphuzu Ekhadi Lesikweletu
Izinto Zokuqala Okokuqala: Ayini Amaphuzu Noma Amamayela Abalulekile?
Kunezinye Izinto Okufanele Zicatshangelwe
Umugqa Ongezansi
Izinto Zokuqala Okokuqala: Ayini Amaphuzu Noma Amamayela Abalulekile?
Isibonelo, i-Citi AAdvantage Platinum Select World Elite Mastercard okwamanje inikeza ibhonasi yamamayela angu-50,000. I-Points Guy ibiza amamayela e-American Airlines AAdvantage ngamasenti angu-1.4 lilinye. Phindaphinda amamayela angu-50,000 ngamasenti angu-1.4 futhi kuyacaca ukuthi ibhonasi ibiza u-0.
Ungasebenzisa isistimu efanayo ukuthola ukuthi imiklomelo eqhubekayo ekhadini lokuhamba ingcono yini kunaleyo esekhadini lokubuyisela imali. Isibonelo, i-Citi Double Cash Card izuza imali engamaphesenti angu-2 kukho konke okuthengiwe, kuyilapho i-Hilton Honours American Express Card izuza amaphoyinti e-Hilton angu-3 ngedola ngayinye ekuthengeni okuningi.
Ngokwezibalo ze-The Points Guy, amaphuzu e-Hilton angamasenti angu-0.6 kuphela, ngakho-ke ngedola ngalinye olichithayo, uthola kuphela amasenti angu-1.8—ngaphansi kwamasenti angu-2 ngedola ongawazuza nge-Citi Double Cash.
Kunezinye Izinto Okufanele Zicatshangelwe
Izinto ezifana nokunikezwa kokwamukela kanye namabhonasi okubhalisa (okujwayelekile namakhadi esikweletu anikezela ngamamayela ohambo) zingathipha izikali uma kuziwa ekunqumeni ukuthi yiliphi ikhadi eliletha umvuzo ongcono. I-Chase Sapphire Preferred Card ikunikeza ibhonasi yokubhalisa yamaphuzu angu-60,000 (ebiza u-,200 uma isetshenziswa cishe ezindizeni ezingu-13 zozakwethu nasemahhotela, ngokwezibalo zakamuva ze-The Points Guy) ngemva kokuthenga u-,000 ezinyangeni ezintathu zokuqala zokuvula i-akhawunti. . Amakhadi okubuyisela imali, ngakolunye uhlangothi, avame ukunikeza amabhonasi okubhalisa angabiza amakhulu ambalwa amadola kakhulu.
Kuhle futhi ukuqaphela izinto ezifana nezigaba zokusebenzisa ibhonasi (isibonelo, i-Chase Sapphire Preferred Card inikeza amaphuzu angu-3x Ultimate Rewards kukho konke ukuthenga kohambo nokudla) kanye nezinkokhelo zonyaka (ezinye izinkokhelo zonyaka zingaphezu kuka-0, okuphazamisa noma yiziphi izinzuzo zamaphuzu) .
Umugqa Ongezansi
Ukuze unqume ngempela ukubaluleka kwemiklomelo enikezwa ikhadi elithile, uzodinga ukubheka inani (ulwazi olubuyekezwa njalo ku-The Points Guy) futhi uphindaphinde leyo nombolo ngenani lebhonasi.
Sesikushilo lokho, uKheel unokukhetha okuphezulu kohlobo ngalunye lwekhadi: 'I I-Citi Double Cash iyikhadi eliqinile, lansuku zonke elibuyisela imali elizosebenzela abantu abaningi kahle, kanye Chase Sapphire Okuthandwayo iyikhadi elihle kakhulu lemiklomelo yokuhamba elingafanelana nezidingo zabo bobabili abasaqalayo nabahamba phambili.
OKUhlobene: Ulikhokhela Kanjani Iholide Lakho Lonke Ngamaphuzu Ekhadi Lesikweletu
