Qaar badan oo ka mid ah kaararka deynta ee ugu fiican ayaa bixiya gunno lacageed - lacag dhan oo ah abaalmarin aad ku kasban karto bilaha bilaha ugu horeeya markaad haysato kaarka deynta. Si aad u hesho gunnada, guud ahaan waa inaad ku bixisaa lacag go'an bilaha ugu horreeya (badiyaa saddex bilood) ee furitaanka kaarka deynta .
Waa maxay faa'iido weyn oo ku saabsan gunno lacageedka waa in aad ku guuleysan karto qiimo badan oo abaalmarin ah adoo adeegsanaya jajab ahaan tirada qadarka aad u baahan tahay inaad ku qarashgareyso si aad u kasbato isla lacagta abaalmarinta.
Ka faa'iidaysiga gunnada saxiixda ayaa kuu badbaadin doonta kumanyaal doolar.
Lacagaha Lacagta Kaarka Deynta ah ee ugu wanaagsan 2017 | |
| Kaarka Deynta | Lacagaha / Abaalmarinta |
|---|---|
Abaalmarinada Lacageedka Lacagta Lacagta Lacagta Lahaanshaha | |
| Chase Sapphire Reserve | Ku guuleysto 50,000 dhibcood oo lacag ah haddii aad ku bixiso $ 4,000 saddexdii bilood ee hore. Abaalmarinada: 3 dhibcood halkii dollar ee safarka iyo cuntada, 1 dhibic halkii dollar wax kasta oo kale; $ 300 dhibcaha safarka sanadlaha ah. Kharashka sannadka: $ 450. |
| Chase Sapphire Preferred | Ku guuleysto 50,000 dhibcood oo lacag ah haddii aad ku bixiso $ 4,000 saddexdii bilood ee hore. Abaalmarinada: 2 dhibcood halkii dollar ee safarka iyo cuntada, 1 dhibic halkii dollar wax kasta oo kale. Lacagta sannadlaha ah: $ 95 * |
| Kaarka Abaalmarinta Abaalmarinta Hal Abaar ah | Ku guuleysto 40,000 dhibcood oo lacag ah haddii aad ku bixiso $ 3,000 saddexdii bilood ee hore. Abaalmarinada: 2 dhibcood halkii dollar ee safarka (oo ay ku jiraan gaas); 2 dhibcood halkii dollar oo ku saabsan cuntada iyo madadaalada; 1 dhibic halkii dollar hal wax kasta oo kale. Lacagta sanadlaha ah: $ 59 * |
| Premier League Abaalmarinta Gold Card oo ka socda Mareykanka Express | Ku guuleysto 25,000 dhibcood oo lacag ah haddii aad ku bixiso $ 2,000 haddii aad ku bixiso $ 3,000 saddexdii bilood ee hore. Abaalmarinada: 3X dhibicda duulimaadyada si toos ah loogu diyaariyay shirkadaha diyaaradaha; 2X dhibcaha xarumaha gaaska, dukaamada, iyo makhaayadaha; 1X waxa ay ku tilmaamayaan wax kasta oo kale. Lacagta waxaa laga yaabaa inay heli karto oo keliya xubnaha xubinimada cusub. Kharashka sannadka: $ 195 * |
| Barclaycard Arrival Plus World Elite MasterCard | Ku guuleysto 50,000 dhibcood oo lacag ah haddii aad ku bixiso $ 3,000 90-ka maalmood ee ugu horreeya. Abaalmarinada: 2X miles oo ku saabsan dhammaan iibsiyada; 5% mayl walba mar kasta oo aad samayso dib u furasho. Lacagta sannadlaha ah: $ 89 * |
| Kaarka Platinum Laga bilaabo American Express | Ku guuleysto 40,000 dhibcood oo lacag ah haddii aad ku bixiso $ 3,000 saddexdii bilood ee hore. Abaalmarin: 1 dhibcood halkii dollar; $ 200 canshuur celin ku saabsan dhacdooyinka; helitaanka adeegyo hufan oo loogu talagalay saldhigyada garoonka diyaaradaha; isqorista Kala-xulashada Mudnaanta leh. Kharashka sannadka: $ 450 |
| Citi mahadsanid Premier | Ku guuleysto 30,000 dhibcood oo lacag ah haddii aad ku bixiso $ 3,000 saddexdii bilood ee hore. Abaalmarinada: 3 Mahadsanid dhibcaha doolarka doolarka; 2 dhibcood halkii dollar oo la cuno iyo madadaalo; 1 dhibic halkii dollarba waxkasta oo kale. Lacagta lama helayo haddii aad furantay ama aad xirtay Citi mahad celinta Premier League 18kii bilood ee ugu dambeeyey. Lacagta sannadlaha ah: $ 95 * |
| Bangiga AmeriCard Abaalmarinada Safarka | Ku guuleysto 20,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 90-ka maalmood ee hore. Abaalmarin: 1.5 dhibcood halkii dollar. Lacag ma ahan sanadkiiba. |
| Baanka Maraykanka Flex Perks Travel Wishing Signature Visa | Ku guuleysto 20,000 dhibcood oo lacag ah haddii aad ku bixiso $ 2,000 4tii bilood ee hore. Abaalmarinada: Qaybaha seddexaad ee ku-deeqidda deeq-lacageedka; labanlaab hal qayb oo aad ku bixiso adeeg bixiyayaasha telefoonka ugu badan iyo inta badan; hal dhibic wax kasta oo kale. Lacag ma ahan sanadkiiba. |
| Barclaycard Arrival Plus World MasterCard | Ku guuleysto 50,000 miles haddii aad ku bixiso $ 3,000 90ka maalmood ee hore. Abaalmarinada: 2X mile ee socdaalka uqalma iyo iibsanaashada cuntada; 1 mile halkii dollar oo dhan iibsashada kale; 5% mayl dib u furasho kasto. Lacagta sannadlaha ah: $ 89 * |
Abaalmarinada Lacageedka Lacageedka Lacageed Lacageed | |
| Abaalmarinta Lacagta Lacagta Lacagta La Siiyay | Ku guuleysto $ 80,000 dhibcood oo lacag ah haddii aad ku bixiso $ 3,000 saddexdii bilood ee hore. Abaalmarinada: 5 dhibcood halkii dollar oo iibsanaya iibsiyada; 2 dhibcood halkii doolar ee tigidhada duulimaadyada tooska looga iibsaday shirkadaha dayuuradaha, wakaaladaha kirada baabuurta, iyo makhaayado; 1 dhibic halkii dollar dollar waxkasta oo kale. Waa inaad isticmaashaa kaarkaaga ugu yaraan 24kii biloodba mar si aad ugu celiso abaalmarintaada. Kharashka sannadka: $ 85 |
| IHG Abaalmarin Kooxeed Dooro kaarka deynta | Ku guuleysto 60,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 saddexda bilood ee hore. Abaalmarinada: Hal dhibcood 5 dhibcood halkii dollar ee hotel IHG; 2 dhibcood halkii dollar ee saldhigga gaaska, dukaanka raashinka, iyo iibsashada makhaayadda; 1 dhibic halkii dollarba waxkasta oo kale; oo lagu daray hal habeen oo bilaash ah sannad kasta. Lacagta la heli karo ee loogu talagalay xannaanooyinka cusub ee aan helin wax gunno ah 24kii bilood ee ugu dambeeyay. Lacagta sannadlaha ah: $ 49 * |
| Starwood Preferred Card Kaarka Maraykanka Express | Ku guuleyst 25,000 haddii aad ku bixiso $ 3,000 saddexdii bilood ee hore. Abaalmarinta: Ilaa 5 dhibcood halkii dollar ee iibsiyada hotel SPG, 1 dhibic halkii dollar waxkasta oo kale. Waa inuu saxiixaa 30-ka Maarso 2016ka ah dalabkani. Lacagta sannadlaha ah: $ 95 * |
Kaadhadhka Lacageed Lacagta Lacagta Lacagta Lacagta Lahaanshaha | |
| Gold Delta SkyMiles Credit Card | Ku guuleysto 30,000 dhibcood haddii aad ku qaadato $ 1,000 saddexda bilood ee hore. Abaalmarinada: 2 mayl ee Delta soo iibsiyada, mudnaanta koowaad ee duulimaadka Delta, bacda koowaad ayaa si xor ah u hubisay duulimaadka Delta. Lacagta waxaa laga yaabaa inay heli karto oo keliya xannaanooyinka cusub. Lacagta sannadlaha ah: $ 95 * |
| United Mileage Plus Card Card | Ku guuleysto 30,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 saddexdii bilood ee hore. Abaalmarinada: 5,000 dhibcood oo lacag ah marka aad ku darto qof isticmaala oo la iibsado; 10,000 dhibcood oo lacag ah sanad walba oo aad ku qaadato ugu yaraan $ 25,000 oo ah iibsiyada netka; 2Xiraad mida United ka iibsato toos ah United; 1 mile halkii dollar oo dhan wixii iibsiyo kale. Lacagta la heli karo ee loogu talagalay xannaanooyinka cusub ee aan helin wax gunno ah 24kii bilood ee ugu dambeeyay. Lacagta sannadlaha ah: $ 95 * |
| Shirkadaha Casriga ee Maalgashiga Koonfureed Oo Lagu Heli Karo Kaarka Amaahda | Ku guuleyst 50,000 haddii aad ku bixiso $ 2,000 3da bilood ee hore. Abaalmarinada: 2X dhibcood oo loo iibsado Southwest Airlines iibsiyada diyaaradaha iyo hudheelka iyo iibsashada lamaanaha kirada baabuurta; 1 dhibic wax kasta oo kale; 3,000 dhibcood oo lacag ah oo ku saabsan sanad-guuradaada kartida. Kharashka sannadka: $ 69 |
Lacagta Lacageed Lacageed Lacagta Lacagta Lacagta Lahaanshaha | |
| Lacagta Caddaanka ah ee laga helo Maraykanka Express | Ku kasbasho $ 150 caddayn ah haddii aad ku qaadato $ 1,000 saddexdii bilood ee hore. Abaalmarinada: 6% dib ugu soo noqoshada dukaamada (ilaa $ 6,000 iibsiyada sanadlaha ah), 3% saldhigyada gaaska, 1% wax kasta oo kale. Lacagta waxaa laga yaabaa in la heli karo oo kaliya uunka cusub ee iskuulka. Kharashka sannadka: $ 95 |
| Xoriyadda Kursiga | Ku guuleysto 15,000 dhibcood oo lacag ah haddii aad ku bixiso $ 500 saddexdii bilood ee hore. Abaalmarinada: 5% dib-u-celinta qaybaha wareega biloodle ah (ilaa $ 1,500 iibsiyada quarterka); 1% dib ugu soo noqoshada wax kasta oo kale. Lacagta la heli karo ee loogu talagalay xannaanooyinka cusub ee aan helin wax gunno ah 24kii bilood ee ugu dambeeyay. Lacag ma ahan sanadkiiba. |
| Kaarka Lacagta Caddaanka ah ee Lacagta Caddaanka ah ee laga helo Maraykanka | Ku guuleysto $ 150 deynta deynta ah haddii aad ku bixiso $ 500 saddexda bilood ee hore. Abaalmarinada: 3% qiimaha ugu horreeya ee $ 6,000 ee dukaamada raashinka iibsanaya sanad kasta; 2% ee saldhigyada gaaska iyo dukaamada qaybaha; 1% wax kasta oo kale. Lacagta waxaa laga yaabaa in la heli karo oo kaliya uunka cusub ee iskuulka. Lacag ma ahan sanadkiiba. |
| Bangiga AmeriCard Lacag Lacageed | Ku guuleysto $ 100 haddii aad ku bixiso $ 500 90-ka maalmood ee ugu horreeya. Abaalmarinada: 3% qiimaha ugu horreeya ee $ 1,500 ee iibsashada raashinka / gaasta isku dhafan quarter kasta; 2% dukaamada raashinka; 1% wax kasta oo kale. 10% bonus haddii aad dib ugu soo ceshato lacag caddaan ah oo aad ku soo celiso bangiga Mareykanka ee koontada ama kaydka. Lacag ma ahan sanadkiiba. |
Qodobbada Caqli-galaha ah Abaalmarin Kaararka Lacagta ah ee Lacagta Saxeexa | |
| Amex EveryDay Card Preferred Card | Ku guuleysto 15,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 saddexda bilood ee hore. Abaalmarinada: 3X dhibcaha dukaamada (ilaa $ 6,000 oo iibsasho ah), 2X dhibcood oo saldhigyada gaaska ah, 1X dhibic wax kasta oo kale. 50% dhibcood oo dheeraad ah haddii aad isticmaasho kaarkaaga 30 ama wax ka badan oo ku saabsan iibsiyada muddada biilasha. Lacagta waxaa laga yaabaa in la heli karo oo kaliya uunka cusub ee iskuulka. Kharashka sannadka: $ 95 |
| Citi Waad Mahadsantahay | Ku guuleysto 15,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 saddexda bilood ee hore. Abaalmarinada: 2 Waad ku mahadsan tahay dhibcaha dollar halkii aad ku cuni lahayd iyo madadaalo; 1 dhibic halkii dollarba waxkasta oo kale. Lacagtaas lama helayo haddii aad furantay ama aad xirtay Kaarka Caddaanka ah ee Loo Dhaafay 18-kii bilood ee la soo dhaafay. Lacag ma ahan sanadkiiba. |
| Amex EveryDay Card | Ku guuleysto 10,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 saddexda bilood ee hore. Abaalmarinada: 2X buundooyinka dukaamada ah ilaa $ 6,000 iibsasho sannadkii; 1X waxa ay ku tilmaamayaan wax kasta oo kale. Lacagta waxaa laga yaabaa in la heli karo oo kaliya uunka cusub ee iskuulka. Lacag ma ahan sanadkiiba. |
| Bankiga Maraykanka FlexPerks Xulo + Kaarka Maraykanka ee Express | Ku guuleysto 10,000 dhibcood oo lacag ah haddii aad ku qaadato $ 1,000 4 bilood ee hore. Abaalmarinta: 1 dhibic halkii dollar. Lacag ma ahan sanadkiiba. |
| Fikradaha dheeraadka ah ee NFL Visa | Ku guuleysto 10,000 dhibcood oo lacag ah haddii aad ku bixiso $ 500 saddexdii bilood ee hore. Abaalmarinta: 2X dhibcaha NFL iyo iibsiyada kooxda, tikidhada ciyaaraha, iibsiyada dukaamada iibiya kooxda, iyo garoomada lagu ciyaaro maalinta cayaarta; 1 dhibic halkii dollarba waxkasta oo kale. Lacag ma ahan sanadkiiba. |
| * Khidmadda sanadlaha ah ayaa laga waayay sanadka ugu horeeya | |
Waxyaabaha Laga Baahan Yahay Inaad Gacanta Ka Qaadato
- Xaddiga deyntaada ayaa door ka ciyaara . Xadkaaga amaahdaada ayaa saameyn ku leh sida ugu sahlan ee loo kasbado gunnada. Haddii xadkaaga amaahdaadu ka hooseeyso xadka kharashka, waa inaad si joogto ah uga bixisid dheelitirka kaarkaaga deynta si aad u hesho lacag dheeraad ah iibsashada.
- Iibso tira, ma ahan macaamilo kale . Qadarka kharashka wuxuu ku saleysan yahay iibsiyada netka ah, ma ahan miisaaniyad isdhaafsi ama horumarin lacageed . Haddii ujeedadu tahay inaad ku kasbato guno horay loo geliyo kaarkaaga deynta cusub, ka dhaaf kaarkaaga dhoofinta kaar kale. Sidoo kale, xusuuso in ku soo noqoshada iyo dhibcooyinka ayaga oo qarashgareyn doona kharashka aad horay u sameysay.
- Ka filo khidmadda sanadlaha ah . Afar iyo toban ka mid ah 24 kaadhadhka liiskan waxay leeyihiin lacag sanadle ah . Qaar ka mid ah kaararka deynta ayaa ka tanaasulaya khidmadda sanadlaha ah ee sanadka ugu horreeya, laakiin qaarna maaha. Marka kaarka deyntu uu khidmado khidmadda sannadka ugu horreeya, khidmaddu kuma xisaabtamayso inta kharashka loo baahan yahay si loo kasbado gunnada.
- Ogsoonow wakhtiga gunnada . Shuruudaha iyo shuruudaha inta badan lacagaha la saxiixay waxay yiraahdaan waxay qaadataa inta u dhaxaysa 6 illaa iyo 8da toddobaad ee gunnada si loogu diro koontadaada. Sidaas darteed maskaxda ku hay in ay qaadato ilaa lix bilood laga bilaabo marka aad furto xisaabtaada si aad u hesho gunnadaada.
- Mar walba lacag buuxa . Kordhinta dulsaar bixinta kaararka deynta ayaa diidaya faa'iidada abaalmarinta. Taasi maahan oo keliya, inaad isku dheelitirid dheelitirnaantaada, adoo adkaynaya inaad si joogto ah ugu abaalmariso abaalmarinta. Isticmaal kaarkaaga abaalmarinta wax kasta , laakiin waa inaad bixisaa dheelitir buuxda bil kasta.
- Akhri xeerarka . Sharciyada American Express waxay soo jeedinayaan in aanad heli karin gunno horay loo maro isla hal jeer kaar oo isla markaana aan suurtagal ahayn haddii aad haysato (shakhsi) Amex oo isku mid ah furan. Kiisku uma ogalaan doono inaad gunno qaadato haddii aad hore u haysatid kaarka deynta (waxaad u baahan doontaa inaad marka hore iska joojiso) ama haddii aad heshay guno 24-kii bilood ee ugu dambeeyey. Shuruudaha Citi waxay soo jeedinayaan in aad joojisid kaarkaaga oo aad sugto 18 bilood ka hor inta aadan dib u codsan oo aad qaadato gunno horudhac ah isla credit card.
Rikoorka: Raqiiqooyinka saxiixa ee halkan ku qoran waa kuwa hadda jira sida taariikhda qodobkan. Kaararka deyn bixiyeyaasha ayaa laga yaabaa inay beddelaan abaalmarinta, iyo qiimaha macluumaadka, gunnooyinka saxiixa wakhti kasta. Had iyo jeer booqo bogga internetka kaararka deyn bixiyaha macluumaadka ugu dambeeyay ee ku saabsan gunnada saxiixa, abaalmarinta, iyo qiimaha kale.