Ngeendawo ezininzi ezivela etafileni kunye nohambo oluninzi olubanjiweyo, umbuzo omkhulu usondela kubakhenkethi kulo nyaka: Zeziphi iiapos zindawo yokuhamba rhoqo kweemayile ukuba awukwazi & apos ukubhabha rhoqo? 'Kunzima kunye neapos; ukuthethelela amakhadi etyala ngemali ephezulu yonyaka ngoku, utshilo uSara Rathner, ingcali yemivuzo yokuhamba kwinkampani yezezimali INerdwallet . 'Izinto eziqhelekileyo eziqhuba ixabiso, njengekhredithi kwiindleko ze Ungeniso lwehlabathi okanye ukungena kwigumbi lokuphumla, ungathethi kwanto xa ungahambanga unyawo kwisikhululo seenqwelomoya. '

Ngethamsanqa, abavelisi kubandakanya iAmerican Express, iCapital One, iChase, kunye neCiti bahlaziye amakhadi athandwayo ukubenza babe luncedo ngakumbi njengoko abathengi bahlala kufutshane nasekhaya. INkulumbuso yaseCiti ($ 95 umrhumo wonyaka) iyaqhubeka nokubonelela ngamanqaku amathathu edola nganye kuthengiso lomoya kunye neehotele, kodwa ngeli hlobo lasehlotyeni iCiti yongeze imivuzo emithathu-inye ngokuthenga kwiivenkile zokutyela nakwiivenkile ezinkulu.

Inkqubo ye- Chase iSapphire Reserve ($ 550 yemirhumo yonyaka) Ngokwesiqhelo unikezela ngeedola ezingama-300 kumanqaku okuhamba ngonyaka; NgoJuni, ezi zinokusetyenziswa kwirhasi kunye nokutya. Ngo-Epreli, ikhadi liza kufumana amanqaku amathathu ngedola ukuya kuthi ga kwi-1, 000 yeedola echithwe kwivenkile zokutya inyanga nenyanga. Ukugxothwa kuya kuthi kwakhona kukhethwe iSapphire ($ 95 umrhumo wonyaka) kunye nabasebenzisi beSapphire Reserve bahlawulela amanqaku eMivuzo ePhambili ukuya kuthi ga kwiisenti ezi-1.5 enye yokuthenga kwivenkile yokuthenga kunye nokuphucula amakhaya kunye neminikelo yesisa ngo-Epreli. Ngaphambili, inqanaba lentlawulelo eliluncedo lalifumaneka kuphela xa kufakwa imali kumanqaku eChase ngeendleko zokuhamba.

Ezithandwayo I-American Express Platinum ($ 550 yemirhumo yonyaka) ivulwe ngoMeyi ukunika abanini bamakhadi ukuya kuthi ga kwi-320 yeedola kwizitetimenti zekhredithi eziza kusetyenziswa kubhaliso lokusasaza njengeHulu kunye neNetflix kunye nenkonzo yefowuni engenazingcingo. Nangona le promo yaphela ngoDisemba, i-Amex yongeze izinto zayo kulo nyaka ubulungu be-Uber Eats Pass yasimahla (ngesiqhelo i-10 yeedola ngenyanga), ethi irhoxe kwimirhumo yokuhanjiswa kwe-Uber kwiivenkile zokutyela kunye nezokutya.

Kude kuthintelwe ukuthintela ubhubhane, nangona kunjalo, abathengi abaninzi banokuhanjiswa bhetele ngokutshintsha ukusuka kwikhadi elijolise ekuhambeni liye kwinto eqinisekisa ukubuyiselwa kwemali. Kukhethwe i-Amex Blue Cash ($ 95 umrhumo wonyaka), umzekelo, ufumana iipesenti ezi-6 umva kubhaliso lokusasaza ukuya kuthi ga kwi-6,000 yeedola ngonyaka echithwe kwiivenkile ezinkulu zase-U.S. Ikwafumana iipesenti ezi-3 emva kwerhasi kunye nokuhamba kunye neepesenti enye kuyo yonke enye into. Chase kutshanje ubhengeze izinto ezizityebi zokubuyisa imali ngenxa yeNkululeko yayo engasikelwanga mda kunye neNkululeko Flex (akukho ntlawulo yonyaka nokuba yeyiphi). Bobabini bafumana iipesenti ezintathu kwivenkile yokutyela nakwivenkile ethengisa iziyobisi. Unlimited ifumana iipesenti eziyi-1.5 kwezinye izinto ezithengiweyo. I-Flex yongeza ipesenti enye kuninzi lwenye inkcitho kunye neepesenti ezintlanu kwiindidi ezijikelezayo njengokutya kunye nobulungu bokuzivocavoca.

Cinga kabini ngaphambi kokurhoxisa ikhadi, nangona kunjalo, njengokuvala iakhawunti kunokuba nefuthe elibi kumanqaku akho etyala. Endaweni yoko, jonga ukuthoba umgangatho kwimveliso ngentlawulo ephantsi (okanye engekho) yonyaka, into eninzi abaniki-zinkonzo abanokuyenza ngengxabano encinci.

Nokuba siphi na isicwangciso sakho, eli ingalixesha elifanelekileyo lokugcina uhambo olungaqhelekanga oluza kuthathwa xa imiqobo yohambo isusiwe. Kuthatha ixesha ukugcina inani elinemivuzo emithandathu yokuhamba, utshilo uRathner. 'Cinga ukusebenzisa eli xesha ukuqokelela amanqaku kunye neemayile zangomso.'

Inguqulelo yeli bali yavela okokuqala kuJanuwari 2021 Ukuhamba + Ukuzonwabisa phantsi komxholo Ngoku & apos; lixesha lokuba uphinde ucinge ngeKhadi leMivuzo yakho yokuHamba.