Yana iya jin kamar juyin mulkin kuɗi don yin ajiyar hutu gaba ɗaya akan maki. (Tsarin jirgin sama zuwa Paris don $ 0 daga aljihu? Ee, don Allah.) Amma lokacin da yiwuwar dawowar tsabar kudi kuma yana kan tebur, yana iya zama da wahala a san wanda shine mafi kyawun ƙimar. Abin da ya sa muka kira Julian Khel, darekta kuma babban manazarci a The Points Guy , don koya mana yadda za mu lissafta mafi kyawun zaɓi.
Abu Na Farko Na Farko: Menene Daraja Ko Miles?
Misali, Citi AAdvantage Platinum Select World Elite Mastercard a halin yanzu yana ba da kari na mil 50,000. Points Guy yana daraja mil AAdvantage na Jirgin saman Amurka akan cent 1.4 kowanne. Haɓaka mil 50,000 da centi 1.4 kuma a bayyane yake cewa kari ya kai $700.
Kuna iya amfani da tsarin iri ɗaya don tantance ko ladan da ke gudana akan katin balaguro ya fi waɗanda ke kan katin dawo da kuɗi. Misali, Citi Double Cash Card yana samun kashi 2 cikin 100 na tsabar kudi a baya akan duk sayayya, yayin da Katin Karramawa na American Express Card ke samun maki 3 Hilton a kowace dala akan yawancin sayayya.
Dangane da kimantawa ta The Points Guy, maki Hilton ne kawai 0.6 cents kowanne, don haka kowace dala da kuka kashe, kuna samun cents 1.8 kawai - ƙasa da cents 2 a kowace dala da zaku samu tare da Citi Double Cash.
Akwai Wasu Abubuwan Da Ya Kamata Ku Yi La'akari
Abubuwa kamar tayin maraba da kari na rajista (na kowa tare da katunan kuɗi waɗanda ke ba da mil na balaguro) na iya ba da ma'auni idan aka zo ga tantance ko wane katin ne ke samar da mafi kyawun sakamako. Katin da aka fi so na Chase Sapphire yana ba da kyautar rajista na maki 60,000 (darajar $1,200 lokacin da aka yi amfani da shi akan kusan kamfanonin jiragen sama na abokan tarayya 13 da otal, bisa ga sabbin kimar The Points Guy) bayan kun yi $4,000 a cikin sayayya a cikin watanni uku na farko na buɗe asusun. . Katunan dawo da kuɗi, a gefe guda, suna ba da kyaututtukan rajista waɗanda suka kai dala ɗari biyu a galibi.
Hakanan yana da kyau a lura da abubuwa kamar nau'ikan ciyarwar kuɗi (misali, Katin da aka zaɓa na Chase Sapphire yana ba da maki 3x Ultimate Rewards akan duk sayayyar balaguro da cin abinci) da kuɗin shekara (wasu kuɗin shekara sun haura $350, wanda ke lalata kowane fa'ida) .
Kasan Layi
Don tantance ƙimar ladan da wani kati ke bayarwa da gaske, kuna buƙatar bincika ƙimar (bayanin da ake sabuntawa akai-akai a The Points Guy) kuma ku ninka wannan lambar ta adadin kari.
Wannan ya ce, Khel yana da babban zaɓi don kowane nau'in katin: 'The Citi Biyu Cash ne m, yau da kullum tsabar kudi baya katin da zai bauta wa mafi yawan mutane da kyau, da kuma An Fi son Chase Sapphire babban katin ladan balaguro ne na gaba ɗaya wanda zai iya dacewa da buƙatun farko da matafiya masu ci gaba.
LABARI: Yadda ake Biyan Kuɗin Ku gabaɗayan Hutu a Maƙallan Katin Kiredit
