Bizinesi Yabwino Kwambiri Khadi la 2022

Ziwerengero zazikulu:

  • Mphotho Yoyambira: 1x
  • Bonasi Bonasi: 4x mpaka $150,000 mu ndalama zogawana m’magulu awiri omwe mumagwiritsa ntchito kwambiri mwezi uliwonse: tikiti yomwe mumagula mwachindunji kuchokera kundege; kugula kwa gasi wotsatsa; hardware kompyuta, mapulogalamu ndi mtambo mayankho; malo odyera; Manyamulidwe
  • Lowani bonasi: ma point 70,000 mutawononga $10,000 m’miyezi itatu yoyamba
  • Sungani ndege yanu ndi American Express Travel pogwiritsa ntchito Malipiro a Umembala ndi mapointi ndikubweza 25% pamfundozi
  • $295 pamalipiro apachaka
  • Palibe ndalama zogulira zakunja
  • Peresenti yapachaka: 16.49% mpaka 24.49%, kusintha
  • Migwirizano ikugwira ntchito. Onani mitengo ndi zolipira

ndi The American Express® Business Gold Card Mupeza 1 Amex Reward point pa dollar iliyonse yomwe mumagwiritsa ntchito. Ngakhale izi zitha kukhala zosazindikirika, chomwe chimapangitsa khadi iyi kuwala ndi mphotho yapadera ya mapointi anayi pa dola iliyonse yomwe mumapeza m’magulu awiri aliwonse mukawononga ndalama zambiri.

Maguluwa akuphatikiza matikiti a ndege, kutsatsa, makompyuta, malo odyera, ndi kutumiza – pakati pa magulu ena omwe makampani ambiri amawononga ndalama zambiri. Simufunikanso kusankha magulu awiri omwe mudzalandira mfundo zowonjezera. madontho-Zofunika ndalama iliyonse Mukawomboledwa paulendo wa pandege ndi Amex – amangogwiritsidwa ntchito m’magulu awiri apamwamba oyenerera

Amex Business Gold ili ndi zochepa zochepa: Khadi limabwera ndi chindapusa cha $295. Mphotho ya bonasi imakhala yokwanira $150,000 pachaka pakugwiritsa ntchito gawo la bonasi, ngakhale izi ziyenera kukhala zokopa kwa onse koma makampani akuluakulu.

Mphotho zopindulitsa kwambiri za khadili, limodzi ndi bonasi yolembetsa ya 70,000-point atawononga $10,000 m’miyezi itatu yoyambirira, zidatipangitsabe kuyitcha kuti Buy Side ya WSJ. Bizinesi Yabwino Kwambiri Khadi la 2022.

Kodi Cash Back Bonasi Ndi Yofunika Kulipiridwa?

Kuti muwunikire makhadi a ngongole abizinesi, a WSJ’s Buy Side amatengera bajeti ya mwezi uliwonse ya $10,000. (Mutha kupeza zambiri m’munsimu.) Kutengera ndi bajetiyo komanso kuchuluka kwa mphotho kwa American Express Business Gold Card, mupeza mapointi 190,000 mchaka choyamba, mutatolera bonasi yanu yolembetsa, ndi mapointi 120,000. m’zaka zina.

Amex Membala Mphotho za Amex ndizofunika kakobiri zikawomboledwa paulendo wandege ndi American Express Travel mpaka khobiri imodzi mukawomboledwa pamakhadi amphatso komanso kwa ogulitsa osankhidwa pa intaneti. Izi zikutanthauza kuti m’chaka chokhazikika, mfundo zanu zitha kukhala $1,200 ngati zitawomboledwa paulendo – zosavuta zokwanira kulipira $195 chindapusa chapachaka.

Koma, kachiwiri, kumene khadi ili limapambanadi lili m’magulu ake amalipiro, monga zogulira maulendo ndi kutsatsa malonda, mwini makhadi adzalandira mapointi anayi pa dola iliyonse yogwiritsidwa ntchito m’magulu aŵiri apamwamba kwambiri ogwiritsira ntchito ndalama, mpaka $150,000 m’gulu la co-spending. Ngati mumagwiritsa ntchito $10,000 pamwezi pa khadi, ndikupeza bonasi pa theka la ndalama zomwe mwawononga, mudzalandira mapointi 300,000 pachaka, ofunika mpaka $3,000 kutengera ndi momwe muwawombole.

Ndizotheka kupeza makhadi abizinesi okhala ndi chiwongola dzanja chokwera kwambiri, koma kwa mabizinesi omwe amawononga ndalama zambiri m’gulu limodzi lamalipiro omwe amafotokozedwa momveka bwino, Amex Business Gold ndiyovuta kuigonjetsa.

Zambiri zamakhadi omwe mungaphonye

Ngakhale WSJ Buy Side amaweruza makhadi a ngongole abizinesi makamaka kutengera mphotho zawo komanso zothandiza pabizinesi, ndikofunikira kumvetsetsa mawu ndi mikhalidwe yonse. Nazi mfundo zina zofunika kukumbukira za American Express Business Gold Gold Card:

  • Khadi iyi ya American Express ndi khadi yolipiritsa, monga momwe mumayenera kulipira mokwanira mwezi uliwonse, koma ili ndi njira ya “kulipira pakapita nthawi”. Pongoganiza kuti mwasankha izi, APR ndi 16.49% mpaka 24.49%, yosinthika.
  • Palibe ndalama zogulira zakunja, zomwe zimapangitsa kukhala khadi yabwino yoyendera mayiko.
  • Mutha kutenga nawo gawo mu pulogalamu yotchedwa “The Hotel Collection with American Express”. Ngati mugwiritsa ntchito khadi lanu ndi American Express Travel kumahotela oyenerera, ndikukhala osachepera mausiku awiri otsatizana, mudzalandira ngongole ya hotelo ya $100 ndi kukonzanso chipinda mukafika, ngati kulipo.
  • Inshuwaransi yobwereketsa galimoto: Ngati mubwereka galimoto ndi khadi lanu, ndipo galimotoyo yawonongeka kapena kubedwa, mudzalipidwa. Ndi Kuphunzira yachiwiri, pambuyo galimoto inshuwalansi inshuwalansi wakhala ntchito, koma amalola kukana kulipira yobwereketsa kugunda chiwongola dzanja. Kupatulapo zina ndi zoletsa zimagwira ntchito.
  • Dongosolo la inshuwaransi ya katundu: Ndalama zimaperekedwa mpaka $1,250 pa katundu wonyamula komanso mpaka $500 pa katundu wofufuzidwa, ndipo imateteza katundu wanu pakatayika, kuwonongeka kapena kuba. Muyenera kugula tikiti yandege, basi, sitima, etc., ndi American Express Business Gold Card. Kupatulapo zina ndi zoletsa zimagwira ntchito.
  • Inshuwaransi ya Kuchedwa kwa Ndege: Ngati munagula ulendo wobwerera ndi American Express Business Gold Card yanu, ndipo ulendo wanu wachedwa ndi maola oposa 12, tsamba la khadi likufotokoza kuti, “tikhoza kukuthandizani.” Migwirizano, zikhalidwe ndi zoletsa zimagwira ntchito.
  • Chitsimikizo Chowonjezera: Chitsimikizo cha OEM chitatha, mudzalandira chaka chowonjezera.
  • Kugula Chitetezo. Kupeza ndalama zokwana $1,000 kumaperekedwa pazinthu zotayika kapena kubedwa mkati mwa masiku 90 mutagula.

Ndani amapindula kwambiri ndi America? kupita Business Gold Card?

Kwa mabizinesi omwe amawononga ndalama zambiri m’magulu a mphotho za khadili – kuphatikiza kutsatsa, makompyuta, ndi kutumiza – American Express Business Gold ikhoza kukhala njira yabwino yopezera mphotho zina. Khadiyo imangopereka mphotho m’magulu awiri momwe mumawonongera ndalama zambiri kutanthauza kuti kupeza mfundozi kuyenera kukhala kopanda zovuta.

Komabe, ngati bizinesi yanu siwononga ndalama zambiri m’magulu amalipiro a Amex Business Gold, mutha kuchita bwino ndi khadi lomwe limapereka mphotho zonse zochulukirapo kuposa kuchuluka kwa khadi iyi kwa 1 point pa dollar iliyonse.

Khadi la Capital One Spark Cash Plus limakupatsirani 2% pa ndalama zonse zomwe mwawononga, mtengo wapamwamba kwambiri womwe tapeza m’gulu lamakhadi abizinesi. Monga Amex Gold, iyi ndi khadi yolipiritsa. Koma sizimapereka kusinthika kwa Amex “Pay Over Time”. Ngati simukulipira ndalama zonse mwezi uliwonse, mudzalandira chindapusa cha 2.99%. Malipiro a Capital One Spark Cash Plus ndi $150 pachaka.

Ngati mukuyang’ana kirediti kadi yabizinesi—kusiyana ndi kirediti kadi—popanda chindapusa chapachaka komanso chiwongola dzanja chambiri, taganizirani za Chase Ink Business Unlimited®, zomwe tasankha pa kirediti kadi yabwino kwambiri kuti muchepetse. Khadi ili limakupatsani 1.5% kubweza ndalama zomwe mwawononga.

Njira Yathu Yabwino Kwambiri ya Khadi Lama Bizinesi

Kuti tisankhe Buy Side of WSJ’s Best Business Credit Card, tidayang’ana makhadi omwe ali ndi ndalama zambiri zobweza ndalama komanso mphotho zambiri, zonse komanso m’magulu odziwika abizinesi monga kutumiza, kutsatsa komanso kuyenda. Tinkafufuzanso makadi osavuta kugwiritsa ntchito, opanda misampha kapena malamulo ovuta kuwatsatira.

Bajeti yathu ya $ 10,000 pamwezi ya kirediti kadi idatengera zambiri kuchokera ku bungwe la ngongole la Experian kuwonetsa kuti mgawo lachiwiri la 2022, malire a kirediti kadi yabizinesi anali $56,000. Kuchokera pamenepo tinkaganiza kuti eni mabizinesi agwiritsa ntchito pafupifupi 20% yangongole yomwe ilipo, Zili zogwirizana ndi chiwerengero cha mayiko. Kenako tinazungulira kuti zinthu zikhale zosavuta momwe tingathere.

Kuti mudziwe zambiri za momwe timasankhira ma kirediti kadi – komanso kukumana ndi gulu lathu la akatswiri – mutha kuyang’ananso Gulani Mbali ya Njira Yabwino Kwambiri Yamakhadi a WSJMlingo wa kuyenerera ndi zopindulitsa zimasiyanasiyana ndi khadi. Migwirizano, zikhalidwe ndi zoletsa zimagwira ntchito. Chonde pitani AMEX kuti mumve zambiri. Kulembetsako kudapangidwa ndi Amex Assurance Company.

Malangizo, malingaliro, kapena mavoti omwe ali m’nkhaniyi ndi a Buy Side kuchokera ku WSJ Editorial Team, ndipo sikunawunikidwe kapena kuvomerezedwa ndi mabizinesi athu.

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