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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 16, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p class="text-sm text-slate"><i>Este artículo fue publicado originalmente a mediados de 2011 y refleja las decisiones financieras del escritor en ese momento. Los detalles de la plástico y el resto del artículo se han actualizado desde entonces.</i></p>
<div id="block_52a5966074a63049476c724ce988a269" class="key-takeaways sm:border-l-4 border-(var(--accent)) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
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    <span class="shrink-0">Control de espita</span><br />
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<p>                                                            El uso de una plástico de crédito APR introductoria del 0 por ciento puede ser una forma inteligente de financiar una gran transacción o receso, siempre que pueda pagarlo antiguamente de que finalice el período promocional.
                                                </li>
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<p>                                                            La plástico de devolución de Cash Discover It® ofrece una inmersión APR en compras y transferencias de saldo, por lo que decidí usarla para mi crucero.
                                                </li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Más allá de su inmersión de APR, la plástico de devolución de Cash Discover It tiene una estructura única de recompensas de devolución de efectivo que incluye categorías de rotación y un software de coincidencia de devolución de efectivo.
                                                </li>
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<p>En 2016, necesitaba desesperadamente unas receso. Mi carrera independiente estaba creciendo, pero no tenía el tipo de flujo de efectivo que me permitiría reservar el delirio que quería hacer.</p>
<p>Así que decidí financiar mis receso, una música de una semana, comedia y crucero de juegos de mesa, solicitando el <u>Descubrir it® en efectivo</u> plástico. Descubra admitido mi solicitud en cuestión de minutos, y tan pronto como mi nueva plástico de crédito llegó por correo, la usé para reservar mi crucero.</p>
<p>El sorteo principal de la plástico es su tasa de devolución de efectivo del 5 por ciento en categorías trimestrales rotativas en hasta $ 1,500 en compras. Estas categorías de gastos deben activarse para obtener la tasa de recompensas impulsadas.</p>
<h2 id="why" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Credit Cards, Reviews" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Credit cards and reaping rewards" data-outcome="">Por qué elegí el regreso en efectivo Discover It para mi crucero</h2>
<p>Entonces, ¿por qué puse un boleto de crucero de $ 2,535 en un <u>reembolso</u> ¿plástico de crédito? Porque el regreso en efectivo Discover fue una buena opción gracias a su bonita introductorio <u>Tasa de porcentaje anual (APR)</u> ofrecimiento. Estos tipos de ofertas permiten a los titulares de tarjetas padecer un saldo en su plástico sin enriquecer intereses por un período de tiempo establecido. Si se encuentra en una situación en la que desea realizar una gran transacción, pero prefiere dividir sus pagos en el transcurso de un año o más, podría beneficiarse de usar una plástico APR introductora del 0 por ciento.</p>
<p>He aquí por qué elegí el regreso en efectivo Discover como mi plástico APR de inmersión de 0 por ciento y por qué todavía la he guardado incluso luego de que terminó el período de inmersión:</p>
<h3>1. La plástico tenía una robusto ofrecimiento de inmersión APR</h3>
<p>Cuando reservé mi crucero, la ofrecimiento de APR de la plástico de devolución de Cash Cash Discover It fue perfecta para mis micción. Actualmente, la plástico de devolución de Cash Discover It viene con un <u>0 por ciento inmersión APR</u> Proposición sobre compras y transferencias de saldo durante 15 meses desde la tolerancia de la cuenta, seguido de un 18.24 por ciento a 27.24 por ciento de APR variable.</p>
<p>Reservar un crucero en el regreso en efectivo Discover It resultó ser una buena opción para mí. Pero es importante memorar que <u>Uso de una plástico para financiar una gran transacción</u> puede ser un movimiento arriesgado. Si no paga su gran transacción en su totalidad <u>Antiguamente de que termine el período de inmersión APR</u>Comenzará a acumular interés en su saldo no remunerado, haciendo que su transacción sea más costosa a abundante plazo.</p>
<p>En mi caso, pude llevarme a esas receso tan necesarias sabiendo que podría hacer pagos cada mes para pagarlo en su totalidad antiguamente de que expirara la tasa promocional de interés cero.</p>
<h3>2. La plástico tenía una rebaja de bienvenida única</h3>
<p>Otra razón por la que elegí la devolución de efectivo Discover It fue por su <u>Software de partidos de reembolso</u>. Este software esencialmente duplica todas las recompensas que apetito al final de su primer año, independientemente de cuánto gaste y cuánto reembolso en efectivo gane.</p>
<p>Consideremos mi transacción de crucero, por ejemplo. Gasté $ 2,535 en mi crucero a principios de año. Si además activara y maximicaba mis categorías de rebaja cada año, aquí está cuánto me habría manada en efectivo:</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<tbody>
<tr>
<td>
<p><strong>Discover it® Cash Back Rewards</strong></p>
</td>
<td class="has-text-align-left" data-align="left">
<p><strong>Matemáticas de respaldo en efectivo</strong></p>
</td>
<td class="has-text-align-left" data-align="left">
<p><strong>Regreso total en efectivo para el primer año</strong></p>
</td>
</tr>
<tr>
<td>5% en categorías de bonos rotativos (se requiere activación), en hasta $ 1,500 en compras por trimestre, entonces 1 por ciento</td>
<td class="has-text-align-left" data-align="left">$ 1,500 (ajado por trimestre) x 0.05 (5% en efectivo) x 4 trimestres</td>
<td class="has-text-align-left" data-align="left">$ 300</td>
</tr>
<tr>
<td>1% en todas las demás compras</td>
<td class="has-text-align-left" data-align="left">$ 2,535 (ajado en crucero) x 0.01 (1% en efectivo)</td>
<td class="has-text-align-left" data-align="left">$ 25.35</td>
</tr>
<tr>
<td>Cashback Match: Doble todas las recompensas obtenidas en el primer año de propiedad de la plástico</td>
<td class="has-text-align-left" data-align="left">$ 325.35 (devolución total en efectivo para el año) x 2</td>
<td class="has-text-align-left" data-align="left"><strong>$ 650.70</strong></td>
</tr>
</tbody>
</table>
</div>
<p>Hubiera manada $ 650.70 en el primer año sin comprar un centavo en interés para mi delirio, haciendo de la plástico una excelente opción para mis receso.</p>
<h2 id="value">Maximizando el valencia de Discover It Cash Back luego del período de inmersión APR</h2>
<p>¿Cómo se encaja la plástico de devolución en efectivo de Discover It ahora que mis receso, y mi tarifa promocional de interés cero, terminan?</p>
<p>Normalmente uso el <u>Haber One QuickSilver Cash Rewards Ced de crédito</u> Para la decano parte de mi desembolso diario, ya que me gusta la simplicidad de una plástico que me da un 1,5 por ciento en efectivo en cada transacción.</p>
<p>Pero, eso no significa que la plástico Discover It nunca salga de mi billetera. Utilizo mi plástico Discover para compras que hago con mi compañero, y la estructura de la plástico de crédito se paga con un <u>cuenta bancaria conjunta</u>. Todavía me encanta esta plástico y la aprovechamos de:</p>
<ul>
<li>
<strong>Mantenerse al día con el calendario de respaldo en efectivo de Discover: </strong>Si aceptablemente Discover no publica sus categorías de rebaja rotativa con anticipación, puede tener una idea de lo que puede esperar mirando <u>Las categorías de devolución de efectivo de Discover de los últimos abriles</u>.</li>
<li>
<strong>Activando mis categorías de rebaja de rotación cada trimestre: </strong>Los titulares de tarjetas que se activan ganan un 5 por ciento en efectivo en hasta $ 1,500 gastados en compras en categorías rotativas trimestrales, luego el 1 por ciento. Esto funciona a $ 300 en reembolso en efectivo cada año si <u>Maximice sus categorías rotativas de devolución de efectivo</u> cada trimestre. Pero no recibirá un reembolso del 5 por ciento a menos que active la categoría de rebaja para ese trimestre, así que asegúrese de hacerlo antiguamente de comenzar a comprar.</li>
<li>
<strong>Trabajar esas categorías de rebaja en nuestro presupuesto: </strong>Nunca debe desaparecer su presupuesto solo para maximizar una categoría de recompensas. Sin retención, hacer ajustes a su horario de gastos o donde compre para coincidir con las categorías rotativas de la plástico podría ahorrarle fortuna a abundante plazo.</li>
</ul>
<p>Las categorías de devolución de efectivo de Discover han incluido previamente lugares como tiendas de comestibles y estaciones de servicio, así como minoristas específicos. Mi compañero y yo disfrutamos especialmente inclinándonos al desembolso en restaurantes cuando eso se presenta como la categoría de rebaja del cuarto.</p>
<h2 id="other">Otras tarjetas APR de inmersión de 0 por ciento y tarjetas de devolución de efectivo a considerar</h2>
<p>Si está pensando en usar una plástico de crédito de 0 por ciento de inmersión APR para reservar un crucero o hacer una transacción holgado, es posible que además desee considerar el <u>Polímero de crédito de recompensas de efectivo personalizadas de Bank of America®</u>. Esta plástico apetito:</p>
<ul>
<li>3 por ciento de devolución en efectivo en la categoría de su selección</li>
<li>2 por ciento de reembolso en efectivo en tiendas de comestibles y clubes mayoristas (en hasta $ 2,500 en compras combinadas con su categoría de 3 por ciento de selección)</li>
<li>1 por ciento de reembolso en efectivo en todas las demás compras</li>
</ul>
<p>Encima, la plástico ofrece una inmersión de 0 por ciento APR para 15 ciclos de facturación en transferencias de saldo realizadas en los primeros 60 días desde la tolerancia de la cuenta y en las compras, seguido de una variable APR de 18.24 por ciento a 28.24 por ciento.</p>
<p>El <u>Chase Freedom Unlimited®</u> es otra buena opción: ofrece una inmersión de 0 por ciento APR en transferencias de saldo realizadas adentro de los 60 días desde la tolerancia de la cuenta y en las compras durante 15 meses, seguida de una variable APR de 19.49 por ciento a 28.24 por ciento. La plástico además es una gran plástico de devolución de efectivo, ganando:</p>
<ul>
<li>5 por ciento de reembolso en efectivo en viajes comprados a través de <u>Chase Travel℠</u>
</li>
<li>5 por ciento de envés en las compras de Lyft (hasta marzo de 2025)</li>
<li>3 por ciento de envés en compras de comidas y farmacias</li>
<li>1.5 por ciento de envés en todas las demás compras</li>
</ul>
<h2>El resultado final</h2>
<p>Hace abriles, el regreso en efectivo Discover It me permitió reservar y enriquecer unas receso sin enriquecer intereses. Ahora, me está ayudando a percibir recompensas impulsadas en las compras diarias. Si está interesado en una plástico de categoría giratoria con una ofrecimiento de inmersión APR, y no le importa organizar sus compras en torno a las categorías de bonos rotativos, el reembolso de Discover It Cash es difícil de exceder.</p>
<p>De todos modos, hay muchos excelentes <u>reembolso</u> y <u>Tarjetas de 0 por ciento de APR</u> En el mercado hoy, pero eso no significa que haya una &#8220;mejor&#8221; plástico para todos. Algunas tarjetas se adaptan a diferentes tipos de micción mejor que otras, por lo que debes comprar y <u>Comparar tarjetas de crédito</u> antiguamente de tomar su osadía.</p>
<p class="text-sm text-slate"><em>El contenido del Bank of America en esta publicación se actualizó por última vez el 10 de febrero de 2025.</em></p>
</p></div>
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/como-construi-mi-credito-con-una-tarjeta-de-credito"  rel="bookmark" title="Cómo construí mi crédito con una tarjeta de crédito">Cómo construí mi crédito con una tarjeta de crédito</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-06-19T01:03:43+00:00" >June 19, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-f713d0 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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