Imivuzo yamakhadi etyala inikezela enye yeendlela ezikhawulezayo zokuhamba simahla. Xa kuthelekiswa nemayile yesiqhelo yokuhamba ngenqwelomoya, apho unokufezekisa kuphela inqwelomoya yasimahla ngokuthenga amatikiti wenqwelomoya, umvuzo wekhadi lokuthenga ngetyala likuvumela ukuba ufumane ukhenketho lwasimahla ngokusebenzisa ikhadi lakho lokuthenga ngetyala mihla le.

Njengekhadi le-punch kwi-cafe yakho yendawo, ukuthengwa ngakunye kwikhadi lomvuzo wokuhamba kubalwa kwi-freebie yokugqibela, nokuba yeyokubhabha, ukuhlala ehotele, okanye i-safari yase-Afrika. Nangona kunjalo, ngamakhadi okufumana ngetyala umvuzo awucacanga ncam njengoko, yithi, ukuthenga iikhofu ezili-10 kunye nokufumana enye ye-11 simahla.

Zininzi izibonelelo zokuhamba zamakhadi etyala aneentlobo ezahlukeneyo zemivuzo yeemali kunye nemithetho yendlela onokuyisebenzisa ngayo. Ngenxa yoko, ukukhetha ikhadi elifanelekileyo lemivuzo yokuhamba kunokuba yinto ephazamisayo. Ukuthatha ixesha lokuqonda ukhetho lwakho kunye nokukhetha ikhadi elifanelekileyo lemivuzo yinxalenye efanelekileyo yocwangciso lwezemali lokuhamba. Sebenzisa esi sikhokelo ukufumanisa ukuba leliphi na ikhadi eliza kukufumanela uhambo lokuhamba simahla ngokukhawuleza.

Misela iiNjongo zakho zoKhenketho

Ngaphambi kokuzama ukuhluza lonke ukhetho lwekhadi, hlalutya iminqweno yakho yokuhamba kuba ikhadi eligqibeleleyo lixhomekeke ngokupheleleyo kwiinjongo zakho zohambo. Ufuna ntoni ikhadi lemivuzo yokuhamba ukukunceda ufezekise? Le mpendulo inokwenzeka ukuba iqhubeke ngokuhamba unyaka nonyaka, kodwa cinga ngenjongo yakho yangoku. Ngaba unayo indawo oya kuyo engqondweni? Ufuna iindiza zasimahla? Ihotele yasimahla yokuhlala? Okanye, mhlawumbi ufuna i-freebies ngohlobo lweetikiti zemyuziyam kunye nokutya kwenkwenkwezi yaseMicrosoft? Ukugxila kwiinjongo zakho kuya kukunceda ubone ukuba yeyiphi imbuyekezo yemali ekufuneka ujolise kuyo ekufumaneni kwaye ngawaphi amakhadi ekufuneka uphethe. Eminye imigaqo yesithupha ukugcina engqondweni:

Iklasi yokuqala yomoya: Ukuba ufuna ukufumana amanqaku kwishishini okanye kwitikiti leklasi yokuqala, uya kufuna ukuqokelela iimayile zeenqwelo moya, okanye amanqaku anokugqithiswa, anje ngamanqaku eMivuzo yobulungu baseMelika, Chase amanqaku oMvuzo oPhezulu, okanye amanqaku eCitibank Enkosi, anokuguqulwa abe ziimayile zeenqwelo moya ngomlinganiselo omnye ukuya komnye.

Iihotele eziPhezulu: Ukuba ufuna igumbi kunye nebhodi kuluhlu lwebhakethi lwe-bungalow, qokelela amanqaku ehotele okanye amanqaku agqithisekayo, anje ngamanqaku eMivuzo yobulungu baseMelika, Chase amanqaku emivuzo ephezulu, okanye amanqaku eCitibank Enkosi, anokuguqulwa abe ngamanqaku ehotele.

I-Iindawo Eziqeshwayo Zeholide: Ukuba ufuna ukuhlala simahla kwi-Airbnb, kwikhaya leholide, okanye e-villa, kuya kufuneka ubeke amanqaku amaxabiso asisigxina.

Ukhenketho lokhenketho: Ukuba ufuna amanqaku akho ahlawule uhambo lwendlela, inkampu, i-safaris, ukhenketho lwebhayisikile, ukuntywila nge-scuba, ukuskiya, okanye olunye uhambo olungelulo olwemveli, ufuna ukuqokelela amanqaku amaxabiso amiselweyo.

Uhambo lweShishini: Ukuba uhamba ngokuhamba rhoqo kwishishini uza kufumana elona xabiso likhulu kuzo zombini iimayile zeenqwelo moya kunye neendawo zehotele.

Hlolisisa Indlela Ochitha Ngayo Imali

Xa uzama ukuchonga elona khadi lihle lokufumana umvuzo, eyona nto uyikhangelayo likhadi eliya kukufumanela ukuhamba simahla ngokukhawuleza kunye neyona mali incinci ichithwe kwikhadi letyala.

Isitshixo soku kokuthatha ithuba ngeebhonasi zodidi. Amakhadi amaninzi abonelela ngamanqaku ebhonasi enkcitho kwiindidi ezithile, okt ukuchitha kwiivenkile zokuthenga, okanye ukuhlangabezana neemfuno ezithile zenkcitho. Oku kuthetha ukuba endaweni yokufumana inqanaba eliqhelekileyo lenqaku elinye okanye imayile enye kwidola nganye oyichithayo, unokufumana amanqaku amabini, amathathu, nokuba mahlanu amanqaku okanye iimayile ngedola nganye oyichithileyo. Translation: usika ixesha de uhambe simahla kwisiqingatha okanye ngaphantsi.

Kananjalo, leliphi ikhadi ekufuneka ulifumene ikakhulu lixhomekeke kwindlela ochitha ngayo imali. Cinga ngendawo oyisebenzisa kuyo inkcitho yekhadi lakho letyala- le ibizwa ngokuba yiProfayili yakho yoMvuzo, uyacacisa uSean McQuay we INerdWallet . Kwabaninzi abantu kukutya, igesi, iivenkile zokutyela, kunye nezinye iindleko zemihla ngemihla. Ke, ikhadi elinikezela ngenqanaba lokufumana umvuzo kwidola nganye oyichithayo kwezi ndidi ziya kukunceda ufumane ukuhamba simahla ngokukhawuleza.

Iindidi zebhonasi eziqhelekileyo zibandakanya:

• Ukutya
• Ivenkile yeziyobisi
• Ukutya kunye neeresityu
• Izikhululo zegesi
• Ukuhamba kwabahambi
• Imali yomoya
• Iihotele
• Izinto zeshishini

Cinga ngokufumana ngaphezulu kweKhadi elinye

Ndihlala ndicinezela ngokubaluleka kokwahlukahlukana kumanqaku akho nakwisicwangciso seemayile. Akukho khadi elinye eligqibeleleyo kwaye akukho mali ifanelekileyo kuyo yonke into oyifunayo, utsho uBrian Kelly, umsunguli we Amanqaku Guy . Amakhadi athile anamandla athile, ke elona cebo lilungileyo lamanqaku lihlala libandakanya amakhadi ahlukeneyo ahlukeneyo adibeneyo akuvumela ukuba wandise umvuzo wakho kunye nokutsha.

Umzekelo, unokufuna ikhadi elinye kwinkcitho yakho yemihla ngemihla amabhaso amaxesha amabini ukuya kwamathathu amanqaku ebhonasi okutya kunye negesi, kunye nelinye lokuthenga imali yomoya, enikezela ngamanqaku ebhonasi kunye neenzuzo ezinje ngemithwalo ekhangelwe simahla kunye nokubhoda okuphambili.

Ngokuchasene nenkolelo edumileyo, ukufaka isicelo kunye nokuthwala amakhadi etyala amaninzi awonzakalisi amanqaku akho etyala. Ngethuba nje uhlawula ibhalansi yakho ngokupheleleyo inyanga nenyanga, ukuba namakhadi amaninzi kunokunceda amanqaku akho etyala.

Yintoni Igama?

Isiphithiphithi esifanelekileyo, ngesiqhelo. Ikhadi elilodwa lomvuzo wokuhamba linokuthwala amagama eempawu ezininzi kunye neelogo. Thatha, umzekelo, iCiti / AAdvantage Platinum Khetha i-World Elite MasterCard. Sukuwuvumela lo mlomo ukudide.

Masiphule i-anatomy yeli khadi:

1. I-Citi ibhekisa kwi-Citibank, yona ikhupha ikhadi lekhredithi

2. I-MasterCard ligama lenkqubo yokuhlawula

3. IiMayile eziNcedisayo yimali yemivuzo

4. Amagama ongezelelweyo iPlatinam, Khetha, kunye ne-Elite ngamagama achazayo asetyenziselwa ukwenza ikhadi libonakale linomtsalane, kodwa abhekisa kwigama lemveliso yezemali kwaye ngamanye amaxesha ahlule izibonelelo kunye nemivuzo enikwayo.

Xa ulinganisa ikhadi, into ekufuneka ugxile kuyo yinkalo yemivuzo yekhadi. Ukwenza njalo, kuyanceda ukuqonda ezona ndidi ziphambili zamakhadi amabhaso okuhamba:

Amakhadi eeNqwelo moya aHanjisiweyo: La makhadi aphethe igama lenqwelomoya, njengakulo mzekelo ungasentla, kwaye xa usebenzisa ikhadi lakho letyala ufumana iimayile ezithile kuloo moya.

Amakhadi eeBhanti aDityanisiweyo: La makhadi aphethe igama lekhonkco lehotele, njengeKhadi leNkulumbuso yeMarriott, kwaye xa usebenzisa ikhadi lakho ufumana amanqaku athile kwityathanga lehotele.

Amakhadi okuhamba ngokubanzi: La makhadi ahlala akhutshwa yibhanki kwaye awadibaniswanga nenkampani ethile yenqwelo moya okanye ihotele. Ufumana amanqaku anokusetyenziswa kwiinqwelomoya ezahlukeneyo kunye nakwimixokelelwane yehotele, nakwezinye iindlela zokuhamba.

Amakhadi abuyisa imali: Akukho manqaku okanye iimayile- endaweni yoko ufumana isaphulelo semali kwizinto ozithengileyo, ezinokuthi emva koko zisetyenziselwe ukuhlawula ukuthengwa kokuhamba.

Ke, kulo mzekelo ungasentla, ukuba usebenzisa iCiti / AAdvantage Platinum Khetha i-World Elite MasterCard, wena kunye neapos, uzakufumana iAmerican Airlines AAdvantage miles ngalo lonke ixesha uthenga. I-Citibank kunye ne-MasterCard ababoneleli ngembuyekezo kule meko, bangababoneleli beenkonzo zezezimali abaququzelela imicimbi. Ukuba awuzange ubhabhe i-American Airlines okanye amaqabane ayo omanyano lwe-Oneworld, okanye ukuba isikhululo seenqwelomoya kwidolophu yakowenu sisisitishi senqwelomoya eyahlukileyo, eli khadi lingentla alinakuba lukhetho olufanelekileyo kuwe kuba imivuzo oyifumanayo inokusetyenziselwa kuphela Incwadi yaseMelika okanye yeqabane lenqwelomoya (iJapan Airlines, umzekelo).

Kwelinye icala, amakhadi emivuzo yokuhamba ngokubanzi, anje ngeAmerican Express Gold okanye iPlatinam, iChase Sapphire Preferred, kunye neCiti Ndiyabulela iNkulumbuso, zibonelela ngokuguquguquka okukhulu. Endaweni yokufumana rhoqo iimayile ezihamba ngenqwelomoya, njengakulo mzekelo ungasentla, ufumana amanqaku ekhredithi akhutshwe yibhanki e-brand agnostic, okuthetha ukuba ungawasebenzisela naluphi na uhlobo lokuhamba. Ngekhadi lemivuzo yokuhamba yaseMelika Express ufumana amanqaku eMivuzo yobulungu baseMelika, ngekhadi leChase Sapphire ufumana amanqaku eChase Ultimate Rewards, kunye nekhadi lemivuzo yokuhamba yeCitibank ofumana amanqaku enkosi. Ukubeka ngokulula ngakumbi: Amanqaku e-Amex, amanqaku e-Chase, kunye namanqaku e-Citi, nganye nganye inezinto ezizodwa, amaqabane kunye nenkululeko yokufumana kwakhona.

Izimali zeKhadi: Amanqaku ngokuchasene neeMayile

Amanye amakhadi akhupha amanqaku kwaye amanye akhupha imayile. Ngaphambi kokukhetha imivuzo yekhadi lokuthenga ngetyala, kubalulekile ukuba uqonde umohluko ukuze ubone ukuba leliphi eliza kuba negalelo kwiinjongo zakho zokuhamba.

Masiqale ngokuvavanya amanqaku, ekukho iindidi ezimbini eziphambili: amanqaku asebenza njengemali kunye namanqaku angasebenzi njengemali.

1. Amanqaku asebenza njengemali: Ixabiso lamanqaku liguquguqukayo kwaye liyatshintsha ngokuhamba kwexesha, kodwa zihlala zahluka phakathi kweesenti enye ukuya kwezimbini. Ngamanqaku anexabiso kwipesenti enye, i-10,000 iya kukufumanela i-100 leedola lokuhamba simahla. Uhlawula nje naluphi na uhlobo lokuhamba usebenzisa imbuyekezo yekhadi lakho lokuthenga ngetyala kwaye emva koko ufumane imali ukuze uhlawule ingxelo yakho.

Mbini. Amanqaku angasebenzi njengemali: La manqaku awanalo ixabiso lemali elimiselweyo. Endaweni yoko, yintlawulelo, enjengegumbi lasehotele lasimahla, elinexabiso elimiselweyo. Umzekelo, ubusuku obunye kwi-5-Star JW Marriott Phuket Resort & Spa eThailand ifuna i-40,000 Points Marriott.

Ngoku makhe sijonge iimayile. Iimayile zikwabizwa ngokuba ziimayile ezihamba rhoqo ezihamba ngenqwelomoya, iimayile ezifanayo ozifumanayo xa ubhabha ngenqwelomoya ethile ukuze uqokelele imayile ngokusebenzisa inombolo yenqwelomoya rhoqo. Ngamakhadi okuthenga ngetyala afumana iimayile, ufumana iimayile ezihamba rhoqo, hayi amanqaku, kwaye ungakhange ubeke unyawo kwinqwelomoya.

Iikhilomitha zeenqwelo moya zifana neendawo zehotele zaseMarriott kumzekelo ongentla, kwezi milenze azinalo ixabiso lemali elisetiweyo. Itikiti ngokwalo libiza inani eliqingqiweyo leemayile, inani eliyahluka ngokuxhomekeka kwindlela nakwinqwelomoya.

Ngaphandle koku kwahluka, amagama amanqaku 'kunye neekhilomitha zihlala zisetyenziswa ngokungafaniyo. Umzekelo, i-Capital One Venture Rewards Card evunyiweyo yodumo yazisa ukuba amalungu afumana iimayile xa esebenzisa amakhadi abo, kodwa oku kuyalahlekisa. Inkulumbuso yokuqala ibize amanqaku abo njenge 'miles.' Awufumani iimayile zeenqwelo moya kunye neli khadi, ufumana amanqaku amaxabiso amiselweyo (la manqaku sele ekhankanyiwe asebenza njengemali).

Lo asingomcimbi weeseminiki. Umahluko ubaluleke kakhulu kuba ungabhukisha uhambo olufana nenqwelomoya yomoya kunye namanqaku okanye iimayile, kodwa kuxhomekeke kwiinjongo zakho zokuhamba kunokuba nempendulo ecacileyo malunga nokuba loluphi uhlobo lwemali- amanqaku ngokuchasene neemayile- ekufuneka uzisebenzise kwaye uziqokelele.

Ukuba injongo yakho lishishini lasimahla okanye itikiti leklasi yokuqala kuya kufuneka usoloko uqokelela iimayile- okanye amanqaku agqithisekayo njengemivuzo yobulungu baseMelika enokuthi iguqulwe ibe ziimayile- kuba iya kufuna iimayile ezingaphantsi kakhulu kunamanqaku okubhukisha uhambo olufanayo. Xa kufikwa kwiimayile, intlawulelo inexabiso elisisigxina, ngenqwelomoya nganye iseta iimfuno zayo zemayile. Amanqaku ekhadi letyala axabisa isenti nganye awuyi kukusa kude (nokuba zibizwa ngegama 'iimayile'). Ukufumanisa ixabiso lokuhamba kweemarike kunye neekhilomitha, Amanqaku Guy ipapasha uqingqo-maxabiso lwenyanga kwinkqubo nganye ekhokelayo yamakhadi .

Imayile kunye namanqaku zihlala zifunyenwe kwinqanaba elifanayo leemayile ezili-1 ngedola echithwe okanye inqaku elinye ngedola echithwe, nangona, njengoko kuchaziwe apha ngasentla, amanye amakhadi abonelela ngamanqaku ebhonasi enkcitho kwizigaba ezithile, ezinje ngendiza kunye nokuhlala ehotele. Umzekelo, ikhadi leAmerican Express Platinum livuza amalungu ngamanqaku amahlanu kwidola nganye echithwe kuhambo ukuba ibhukishwe ngqo ngeenqwelomoya okanye ngeAmerican Express Travel. Kumzekelo waseDubai ongasentla, ukuqokelela amanqaku ukufikelela kwinqanaba lokuhamba kwiklasi yokuqala kuya kufuna i-11x ubude bexesha kunye nokuchithwa kwekhadi letyala kunokuba kunokuba ujolise ekuzuzeni iikhilomitha.

Ngelixa iimayile lukhetho olufanelekileyo lokuhamba ngenqwelomoya, zincinci kakhulu kwaye zinokusetyenziselwa ukubhukisha uhambo lwenqwelomoya nenqwelo moya ekhuphe iimayile (okanye elinye lamaqabane eenqwelo moya). Amanqaku, kwelinye icala, ahluka ngakumbi. Ziyi-brand agnostic, ethetha ukuba ungabhukisha inqwelo moya ngayo nayiphi na inqwelo-moya, kwaye ungasebenzisa amanqaku ukubhukisha uhambo ngaphandle kweenqwelo moya, ezinje ngeehotele, ii-Airbnbs, amatikiti etreyini, iimoto eziqeshisayo, kunye nohambo.

Eminye imivuzo yokuhamba ngokubanzi yamakhadi etyala abambisene neenqwelomoya kunye neehotele kwaye ikuvumela ukuba uguqule amanqaku akho ekhadi letyala kwiindawo zehotele okanye iimayile zomoya. Umzekelo, unokuguqula amanqaku eMivuzo yoLungu lwaseMelika- imali oyifumanayo ngeKhadi leAmerican Express, iPlatinamu, kunye neKhadi le-EveryDay- ukuya eDelta, eAir Canada, eAir France, okanye kwezinye iimayile zeenqwelo moya. Amanqaku eCiti kunye neChase anamaqabane abo okudlulisa.

Ixabiso elinamanqaku agqithisayo kukuguquguquka, ucacisa uKelly. Ukuba injongo yakho kukuqokelela iimayile, le yindlela yokuqokelela iimayile ngaphandle kokuzibophelela kwinqwelo moya ethile. Kwaye ukuba awuchonganga njongo yokuhamba, kwaye ke ukuba uya kuzuza ngakumbi ekuqokeleleni amanqaku okanye iimayile, ikhadi elikhupha amanqaku adluliswayo likuvumela ukuba ushiye ukhetho lwakho luvulekile.

Umfanekiso omkhulu: ngokuchonga ukuba yeyiphi imbuyekezo yemali oyifunayo ukugxila ekufumaneni ungangena ngokulula kumakhadi akhupha imali oyikhethileyo.

Kuthiwani ngamakhadi abuyayo?

Ikhadi elibuyayo lemali lininzi njengekhadi lamaxabiso asisigxina: endaweni yokufumana inqaku elinye (lixabisa isenti enye) kwidola nganye oyichithayo, umane ubuya nesenti enye kwidola oyisebenzisileyo. Ungazibeka ezi mali malunga nokuhamba. Ngaphaya koko, njengamakhadi amanqaku, amakhadi abuyisa imali anikezela ngexabiso lokufumana umvuzo, njengepesenti ezi-2 ezibuya kwimali ezifumanisileyo Zifumanele uMlinganiso weCashback kunye nepesenti ezi-5 zekheshi emva kwekhadi lenkululeko.

Ikhadi elibuyayo lemali linokuba lukhetho olufanelekileyo ukuba ukhetha iintlobo zohambo ongenakukwazi ukuzihlawulela ngeemayile okanye ngamanqaku, njengohambo lwendlela okanye inkampu yokubuyela umva, ngokweThe Points Guy, Brian Kelly. Kodwa, gcinani engqondweni ukuba imali ebuyayo kunye nexabiso elisisigxina ayisiyondlela ifanelekileyo yokufumana uhambo olukhulu ngemali encinci.

Eyona nto ihlala iyinqaku elipheleleyo lomdlalo wamanqaku.