Ngā Kāri Nama Haere Pai rawa atu o te tau 2023

He tokomaha kei te tīmata ki te whakaaro ki te haereere anō i te mea e ora haere ana te ao i te mate urutā. Tērā pea he tino painga te whai kāri nama haereere ao pai rawa atu mēnā kei te whakarite hararei te tangata i te tau 2023. Ka taea e ia te whakarato i ngā painga me ngā tiakitanga whai hua i a ia e haereere ana, me te āwhina hoki ki te whiwhi hua me te penapena moni i ngā utu haere.

Kei raro nei ngā kāri nama haerere pai rawa atu hei whakaaroaro māu mō te tau 2023:

Chase Sapphire Pai ake

Ko te Chase Sapphire Preferred tētahi kāri nama haere rongonui kua roa nei e whakamahia ana. Mēnā ka pau te $4,000 i ngā kaihoko mō ngā hoko i roto i ngā marama tuatahi e toru o te tīmatanga o tā rātou pūkete, ka hoatu he putea hainatanga o te 100,000 tohu. Mēnā ka keremehia mā te kaupapa Chase Ultimate Rewards, ko te uara o tēnā he $1,250.

Hei tāpiritanga, e rua ngā tohu ka tukuna e te kāri mō ngā utu kai me ngā utu haere, me te kotahi ngā tohu mō ngā whakawhitinga katoa. He maha ngā kamupene rererangi me ngā hōtēra ka taea e koe te whakawhiti i ā rātou tohu, tae atu ki a United, Southwest, me Hyatt, e tuku ana i te whānuitanga o ngā huarahi hei whakamahi i ngā utu.

Kei roto hoki i te kāri Chase Sapphire Preferred te kore utu tauwhitinga o te ao, te inihua waka reti matua, me te inihua whakakore me te aukati haere. Ko te utu ā-tau he $95.

Amex Platinum

He kāri nama haereere utu nui me ngā momo painga me ngā painga ko te kāri American Express Platinum. Ahakoa he utu nui ā-tau o te $695, ki te haereere pinepine te tangata, tera pea he pai ngā painga hei whakamana i tēnā.

Kia pau te $6,000 i te kaiwhakamahi mō ngā hoko i roto i ngā marama tuatahi e ono o te whakatuwheratanga o te pūkete, ka tukuna e te kāri he putea hainatanga nui, arā, 100,000 ngā tohu Utu Mema. Waihoki, ina tono te kaiwhakamahi i ngā hōtera whai mana mā Amex Travel, mā ngā kamupene rererangi rānei, ka whiwhi koe i te 5X ngā tohu. Mō ētahi atu hoko, ka whiwhi ngā kaiwhakamahi i te 1X o ngā tohu.

Ka tukuna hoki e te kāri Amex Platinum he whiwhinga ā-tau $200 mō ngā utu rererangi, Uber rānei, he mema ki Centurion Lounges, he ohaurunga Priority Pass Select, me te whiwhinga ā-tau $200 mō ngā utu Global Entry, TSA PreCheck rānei. Ka tukuna hoki e te kāri ētahi kōwhiringa inihua haere, pērā i te inihua whakakore me te aukati haerenga, te inihua tueke, me te tiaki ngaronga me te kino mō ngā waka reti.

Kāri Utu Capital One Venture

Ko te kāri nama pakihi pai rawa atu mō te haere ko te kāri Capital One Venture Rewards, e tuku ana i te 2X maero mō ngā hoko katoa o ia rā. Mō te kotahi hēneti mō ia maero, ka taea te whakawhiti maero i waenga i ētahi hoa rererangi, te whakamahi rānei mō ngā whakapaunga haere.

Mā te whakapau $20,000 ki ngā hoko i ngā marama tuatahi e 12 o te hanganga o te pūkete, ka tukuna e te kāri he putea hainatanga o te 100,000 maero. Tērā pea ka whiwhi koe i te 50,000 maero i muri i te whakapaunga $3,000 i roto i ngā marama tuatahi e toru.

Ka tukuna hoki e Capital One Venture Rewards he ratonga concierge 24/7, kāore he utu whakawhiti moni ke, me te inihua aituā haere mō te utu ā-tau o te $95.

Citi Premier

Kia pau te $4,000 i te kaiwhakamahi mō ngā hoko i roto i ngā marama tuatahi e toru o te whakatūnga o tētahi pūkete, ka whiwhi ia i tētahi putea hainatanga nui o te 80,000 ngā tohu Whakawhetai me te kāri Citi Premier, he kāri nama haere ngāwari.

Mā te whakamahi i te kāri, ka taea e ngā kaiwhakamahi te whiwhi i ngā tohu 3X i ngā teihana penehīni, i ngā hōtēra, i ngā wharekai, i ngā hūpāmakete me te 1X tohu i ngā wāhi katoa. Ka taea te whakawhiti tohu ki ngā hoa rererangi rerekē, tae atu ki a Virgin Atlantic me JetBlue.

Ko te utu penapena hōtēra $100 ia tau, te inihua whakakorenga me te aukati haere, me te kore utu tauwhitinga o tāwāhi ētahi atu painga o Citi Premier. Ka rerekē te utu mai i te utu ā-marama ki te utu ā-tau.

Kāri United Explorer

Ko te Kāri United Explorer he kāri nama waitohu-tahi mai i tētahi kamupene rererangi e tuku ana i tētahi putea hainatanga nui tae atu ki te 70,000 maero putea. Ka whiwhi te tangata i te 50,000 maero putea i muri i tana hoko i te $3,000 i ngā marama tuatahi e toru, me ētahi atu tohu rere auau 20,000 i muri i tana hoko i te tapeke o te $10,000 i ngā marama tuatahi e ono.

Mō ngā whakawhitiwhitinga e mahia tika ana ki ngā hōtēra, ngā wharekai, me United, ka whakawhiwhia e te kāri he 2X maero mō ia $1 e pau ana, me te 1X maero mō ia $1 e pau ana i ngā whakapaunga katoa. Hei tāpiri, ka whai mana ngā kaipupuri kāri ki ngā tīkiti United Club e rua i ia tau, te ekenga matua, me te putea tuatahi kua tirohia kore utu.

Ko ētahi atu painga o te Kāri United Explorer ko te kore utu hokohoko o te ao, te whakakorenga haerenga, te inihua aukati, me te inihua waka reti matua. Pērā i ngā kāri nama katoa, ko te utu ā-tau he $95.

Kāri Nama Koreutu a Marriott Bonvoy

Ina whakapau moni te tangata i te $3,000 ki ngā hoko i roto i ngā marama tuatahi e toru o te whakatuwheratanga o tā rātou pūkete, ka whiwhi rātou i tētahi pōnahi rēhita nui o ngā pō kore utu e toru (tae atu ki te 50,000 ngā tohu mō ia pō) mai i te Kāri Nama Marriott Bonvoy Boundless, he kāri nama hōtēra waitohu-tahi. Waihoki, i roto i ngā marama tuatahi e ono o te whakatūnga o te pūkete, ka whiwhi koe i te 10X ngā tohu katoa mō ia $1 kua haumihia ki runga i te $2,500 i roto i ngā hokonga teihana penehīni, wharekai, me te toa hoko kai.

I roto i ngā hōtera Marriott Bonvoy kua whakaaetia, ka tukuna e te kāri he 6X ngā tohu mō ia $1 e pau ana, ā, ka tukuna he 2X ngā tohu mō ngā whakapaunga katoa. Hei tāpiri, ka whiwhi aunoa ngā kaipupuri kāri i te tūnga Silver Elite, e whakarato ana i ngā painga mai i te utunga tōmuri me te pikinga 10% i runga i ngā whiwhinga tohu hōtera.

Ka tukuna hoki e tēnei Kāri Nama he pō kore utu i te huritau o te kāri i ia tau, ka utua ngā whakaroa haere, ā, kāore he utu tauwhitinga moni. He pūnaha utu ā-marama, ā-tau hoki mō tēnei momo kāri.

Te Ao o te Kāri Nama Hyatt

E oati ana tētahi kāri nama hōtēra waitohu-tahi, ko te World of Hyatt te ingoa, i tētahi putea hainatanga nui tae atu ki te 60,000 ngā tohu. Ka whiwhi te tangata i te 30,000 ngā tohu putea i muri i te whakapaunga $3,000 i roto i ngā whakapaunga i ngā marama tuatahi e toru, me ētahi atu 30,000 ngā tohu putea i muri i te whakapaunga mōrahi o te $6,000 i roto i ngā marama tuatahi e ono.

Mā te whakamahi i te kāri, ka taea e ngā kaiwhakamahi te whiwhi 4X ngā tohu mō ia $1 e pau ana ki ngā hōtera me ngā wāhi hararei o Hyatt, 2X ngā tohu mō te kai i waho, 1X ngā tohu mō ia $1 e pau ana ki tētahi atu mea, me te 2X ngā tohu mō te hoko tīkiti rererangi tika mai i te pūtake.

Ko tētahi utu pō kore utu i te huritau o te kāri i ia tau, te tūnga Discoverist i roto i te kaupapa pono o te World of Hyatt, me te kore utu tauwhitinga ki tāwāhi, he āhuatanga anō ēnei o te Kāri Nama o te World of Hyatt me te mōkihi $95 ia tau.

Tirohia Ngā Maero

He kōwhiringa rongonui tēnei kāri nama haereere mā te hunga e pai ana ki te whiwhi tohu i ā rātou hoko me te pai ki te haereere. Ka whiwhi ngā kaiwhakamahi i te 1.5 maero mō ia pene e pau ana i ngā whakawhitinga katoa me tēnei kāri, ā, kāore he herenga mō te maha o ngā utu ka taea te whiwhi. Hei tāpiri, koinei te kāri nama pai rawa atu mō te haereere, kāore he utu ā-tau, he utu tukatuka rānei ki tāwāhi, ā, he huarahi utu iti tēnei mō te haereere ki tāwāhi.

Ko te pōnahi e hoatu ana mō ngā kāri hou tētahi o ngā āhuatanga motuhake o te kāri Discover it Miles. Ka whakanekehia e Discover te pūmanawa utu mā te taurite i ngā maero katoa i whiwhihia i ngā marama tekau mā rua tuatahi o te pupuri kāri. Ko te tikanga tēnei, mēnā ka whiwhi te kiritaki i te 20,000 maero i roto i tōna tau tuatahi, ka tāpirihia e Discover ki tā rātou pūkete utu he 20,000 maero tāpiri.

Ka taea te whakamahi i ngā maero mā te kāri nama haere kore utu pai rawa atu mā te whakahoki moni, mā te taonga rānei mā ngā kaipupuri kāri. He tino whai hua te kōwhiringa nama haere nā te mea ka taea e ngā kaipupuri kāri te whakamahi i ā rātou maero hei utu mō ngā rererangi, ngā noho hōtēra, ngā reti waka, me ētahi atu whakapaunga. Kei roto hoki i te kāri he maha ngā painga e pā ana ki te haere, pērā i te inihua whara haere, te inihua whakakorenga haerenga, me te āwhina haere 24-hāora.

Whakamutunga

Mā te whai kāri nama haere pai rawa atu ka pai ake, ka whakarei ake hoki i ō wheako haerenga. I te wā e whiriwhiri ana i ngā kāri nama haere pakihi pai rawa atu, whakaarohia ō hiahia me ō tikanga haere, nā te mea he painga me ngā painga motuhake tō ia kāri kei runga i te rārangi i runga ake nei. He kāri nama haere kei reira ka tutuki i ngā whakaritenga katoa, ahakoa he tangata haereere noa te kiritaki, he tere noa rānei te haere.

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Me mārama ake ngā tūruhi ki ngā momo kāri nama haere hei whakaiti i ngā whakapaunga.

Whakaahua Matua: Bloomberg.com