{"id":17033,"date":"2026-09-01T19:18:43","date_gmt":"2026-09-01T16:18:43","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/credit-card-rewards\/"},"modified":"2026-09-01T19:36:36","modified_gmt":"2026-09-01T16:36:36","slug":"credit-card-rewards","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/credit-card-rewards\/","title":{"rendered":"\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0645\u064f\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629: \u062f\u0644\u064a\u0644\u0643 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0631\u0628\u062d \u0646\u0642\u0648\u062f \u0648\u0633\u0641\u0631 \u0645\u062c\u0627\u0646\u064a \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0630\u0643\u064a","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<div class=\"vfocused-takeaways-box\">\n<h4 class=\"vfocused-takeaways-title\"><span class=\"vfocused-takeaways-icon\" aria-hidden=\"true\">\ud83d\udca1<\/span> \u0623\u0647\u0645 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u062a\u0647<\/h4>\n<ul class=\"vfocused-takeaways-list\">\n<li>\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0647\u064a \u0627\u0644\u0645\u0641\u062a\u0627\u062d \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u064a\u0639\u0627\u062f\u0644 20-40% \u0623\u0648 \u0623\u0643\u062b\u0631\u060c \u0645\u062a\u0641\u0648\u0642\u0629 \u0628\u0643\u062b\u064a\u0631 \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 1-2% \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.<\/li>\n<li>\u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643\u060c \u064a\u064f\u0646\u0635\u062d \u0628\u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0648\u0627\u062d\u062f \u0641\u0642\u0637 \u0643\u0644 3 \u0623\u0634\u0647\u0631 \u0643\u062d\u062f \u0623\u0642\u0635\u0649\u060c \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0642\u0644 \u0645\u0646 30%.<\/li>\n<li>\u064a\u0645\u0643\u0646 \u0644\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062c\u0627\u0646\u0628\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0644\u062a\u0648\u0633\u064a\u0639 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a\u060c \u062d\u062a\u0649 \u0644\u0648 \u0644\u0645 \u064a\u0643\u0646 \u0627\u0644\u0639\u0645\u0644 \u0645\u0633\u062c\u0644\u0627\u064b \u0631\u0633\u0645\u064a\u064b\u0627 \u0623\u0648 \u064a\u062d\u0642\u0642 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0628\u0639\u062f.<\/li>\n<\/ul>\n<\/div>\n<nav class=\"vfocused-toc-box\" aria-label=\"\u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a\"><strong class=\"vfocused-toc-title\">\ud83d\udccc \u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/strong><\/p>\n<ul class=\"vfocused-toc-list\">\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-1\">\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629: \u0644\u0645\u0627\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0647\u062a\u0645 \u0628\u0647\u0627\u061f<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-2\">\u0643\u064a\u0641 \u062a\u0639\u0645\u0644 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (\u0648\u0644\u0645\u0627\u0630\u0627 \u0627\u0633\u062a\u0631\u062f\u0627\u062f 1% \u0645\u0646 \u0627\u0644\u0646\u0642\u0648\u062f \u0644\u064a\u0633 \u0635\u0641\u0642\u0629 \u0631\u0627\u0626\u0639\u0629)<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-3\">\u0643\u064a\u0641 (\u0648\u0643\u0645 \u0645\u0631\u0629) \u062a\u062e\u062a\u0627\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-4\">\u0643\u064a\u0641 \u062a\u062a\u0623\u0647\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-5\">\u0647\u0644 \u0633\u064a\u0624\u062b\u0631 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f \u062e\u0631\u0627\u0641\u0627\u062a \u0648\u062d\u0642\u0627\u0626\u0642 \u062d\u0648\u0644 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-6\">\u0645\u0627\u0630\u0627 \u064a\u0648\u062c\u062f \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u064a \u0648\u0643\u064a\u0641 \u0623\u062a\u0627\u0628\u0639 \u0628\u0637\u0627\u0642\u0627\u062a\u064a\u061f<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-7\">\u0643\u064a\u0641\u064a\u0629 \u062a\u0644\u0628\u064a\u0629 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0641\u064a \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-8\">\u0642\u0627\u0639\u062f\u062a\u0627\u0646 \u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u0629<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-9\">\u0643\u064a\u0641 \u062a\u0639\u0632\u0632 \u0645\u0643\u0627\u0641\u0622\u062a\u0643<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-10\">\u062f\u0648\u0631\u0643 \u0627\u0644\u0622\u0646<\/a><\/li>\n<\/ul>\n<\/nav>\n<p>\u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0623\u0643\u062b\u0631 \u0645\u0646 15 \u0639\u0627\u0645\u064b\u0627\u060c \u062c\u0639\u0644\u062a \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0646\u0627 \u0648\u0632\u0648\u062c\u062a\u064a \u0646\u0643\u0633\u0628 \u0622\u0644\u0627\u0641 \u0627\u0644\u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0643\u0623\u0645\u0648\u0627\u0644 \u0645\u062c\u0627\u0646\u064a\u0629 \u2014 \u0639\u0644\u0649 \u0634\u0643\u0644 \u0646\u0642\u0648\u062f\u060c \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0647\u062f\u0627\u064a\u0627\u060c \u0648\u0631\u062d\u0644\u0627\u062a \u0633\u0641\u0631 \u2014 \u0648\u0630\u0644\u0643 \u0641\u0642\u0637 \u0645\u0642\u0627\u0628\u0644 \u0634\u0631\u0627\u0621 \u0623\u0634\u064a\u0627\u0621 \u0643\u0646\u0627 \u0633\u0646\u0634\u062a\u0631\u064a\u0647\u0627 \u0639\u0644\u0649 \u0623\u064a \u062d\u0627\u0644.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17034\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credit-card-rewards-101-1.jpg\" alt=\"\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\" width=\"700\" height=\"435\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credit-card-rewards-101-1.jpg 700w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credit-card-rewards-101-1-300x186.jpg 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p>\u0627\u0644\u0623\u0645\u0631 \u0644\u064a\u0633 \u0635\u0639\u0628\u064b\u0627. \u0646\u062d\u0646 \u0641\u0642\u0637 \u0646\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u062a\u063a\u0637\u064a\u0629 \u0623\u0643\u0628\u0631 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 \u0645\u0646 \u0646\u0641\u0642\u0627\u062a\u0646\u0627\u060c \u0648\u0646\u0634\u062a\u0631\u0643 \u0628\u0634\u0643\u0644 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0641\u064a \u0628\u0637\u0627\u0642\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u062a\u0642\u062f\u0645 \u0639\u0631\u0648\u0636 \u0645\u0643\u0627\u0641\u0622\u062a \u062c\u0630\u0627\u0628\u0629.<\/p>\n<p>\u0648\u0644\u0623\u0646\u0646\u0627 \u0646\u0633\u062f\u062f \u0631\u0635\u064a\u062f\u0646\u0627 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0643\u0644 \u0634\u0647\u0631\u060c <em>\u0641\u0642\u062f \u0643\u0627\u0646 \u0643\u0644 \u0630\u0644\u0643 \u0628\u062f\u0648\u0646 \u0623\u064a \u0641\u0648\u0627\u0626\u062f (0%).<\/em><\/p>\n<p>\u064a\u0642\u0648\u0644 \u0627\u0644\u0628\u0639\u0636 \u0625\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0634\u0631\u064a\u0631\u0629.<\/p>\n<p>\u0623\u0646\u0627 \u0623\u0631\u0649 \u0623\u0646\u0647\u0627 \u0631\u0627\u0626\u0639\u0629.<\/p>\n<p>\u0639\u0644\u064a\u0643 \u0641\u0642\u0637 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0630\u0643\u064a\u064b\u0627 \u0641\u064a \u0643\u064a\u0641\u064a\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627.<\/p>\n<p>\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0645\u062c\u0627\u0646\u064a\u060c \u0633\u0623\u0648\u0636\u062d \u0644\u0643:<\/p>\n<ol>\n<li>\u0644\u0645\u0627\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0647\u062a\u0645 \u0628\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/li>\n<li>\u0643\u064a\u0641 \u062a\u0639\u0645\u0644 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (\u0648\u0644\u0645\u0627\u0630\u0627 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u0628\u0646\u0633\u0628\u0629 1% \u0644\u064a\u0633 \u0635\u0641\u0642\u0629 \u0631\u0627\u0626\u0639\u0629)<\/li>\n<li><a class=\"vfocused-internal-link\" title=\"13 \u0633\u0624\u0627\u0644\u0627\u064b \u0623\u0633\u0627\u0633\u064a\u0627\u064b \u0644\u0645\u0642\u0627\u0628\u0644\u062a\u0643 \u0645\u0639 \u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0627\u0644\u064a: \u0643\u064a\u0641 \u062a\u062e\u062a\u0627\u0631 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0643\u061f\" href=\"https:\/\/www.dztecs.com\/money\/how-to-interview-a-financial-advisor\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0643\u064a\u0641 \u062a\u062e\u062a\u0627\u0631<\/a> \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 (\u0648\u0643\u0645 \u0645\u0631\u0629)<\/li>\n<li>\u0643\u064a\u0641 \u062a\u062a\u0623\u0647\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/li>\n<li>\u062e\u0631\u0627\u0641\u0627\u062a \u0648\u062d\u0642\u0627\u0626\u0642 \u062d\u0648\u0644 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/li>\n<li>\u0645\u0627\u0630\u0627 \u064a\u0648\u062c\u062f \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u064a \u0648\u0643\u064a\u0641 \u0623\u062a\u0627\u0628\u0639 \u0628\u0637\u0627\u0642\u0627\u062a\u064a<\/li>\n<li>\u0637\u0631\u0642 \u0645\u0634\u0631\u0648\u0639\u0629 \u0644\u062a\u0644\u0628\u064a\u0629 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0623\u062f\u0646\u0649<\/li>\n<\/ol>\n<p>\u0642\u062f \u0644\u0627 \u062a\u0639\u062a\u0628\u0631 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0635\u062f\u0631 \u062f\u062e\u0644 \u0625\u0636\u0627\u0641\u064a\u060c \u0644\u0643\u0646\u0647\u0627 \u0643\u0627\u0646\u062a \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u064a \u0647\u0648\u0627\u064a\u0629 \u0645\u0631\u0628\u062d\u0629 \u0644\u0633\u0646\u0648\u0627\u062a.<\/p>\n<p>\u0641\u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629\u060c \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0647\u0645!<\/p>\n<p>\u0625\u0644\u064a\u0643 \u0643\u064a\u0641\u064a\u0629 \u0639\u0645\u0644 \u0630\u0644\u0643.<\/p>\n<h2 id=\"section-1\">\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629: \u0644\u0645\u0627\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0647\u062a\u0645 \u0628\u0647\u0627\u061f<\/h2>\n<p>\u0625\u0644\u064a\u0643 \u0633\u0628\u0628\u0627\u0646 \u0631\u0626\u064a\u0633\u064a\u0627\u0646 \u064a\u062c\u0639\u0644\u0643 \u062a\u0647\u062a\u0645 \u0628\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629:<\/p>\n<ol>\n<li>\u0646\u0642\u0648\u062f \u0645\u062c\u0627\u0646\u064a\u0629<\/li>\n<li>\u0633\u0641\u0631 \u0645\u062c\u0627\u0646\u064a<\/li>\n<\/ol>\n<p>\u0627\u062b\u0646\u0627\u0646 \u0645\u0646 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0644\u062f\u064a!<\/p>\n<p>\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062f\u0648\u0631\u0629 \u0627\u0644\u0645\u062c\u0627\u0646\u064a\u0629\u060c \u0633\u0623\u0639\u0631\u0636 \u0644\u0643 \u0628\u0639\u0636 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0633\u0647\u0644\u0629 \u0644\u0640<strong>\u0645\u0636\u0627\u0639\u0641\u0629 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u0648\u062f<\/strong> \u0627\u0644\u0630\u064a \u062a\u062d\u0642\u0642\u0647 \u062d\u0627\u0644\u064a\u064b\u0627 \u0645\u0646 \u0625\u0646\u0641\u0627\u0642\u0643.<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/Z4RMCpqq46c\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17035\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-8.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 \u064a\u0648\u062a\u064a\u0648\u0628\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-8.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-8-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<p>\u0639\u0644\u0649 \u0635\u0639\u064a\u062f \u0627\u0644\u0633\u0641\u0631\u060c \u0633\u0627\u0639\u062f\u062a \u0627\u0644\u0646\u0642\u0627\u0637 \u0648\u0627\u0644\u0623\u0645\u064a\u0627\u0644 \u0627\u0644\u062a\u064a \u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0646\u0627 \u0648\u0632\u0648\u062c\u062a\u064a \u0641\u064a \u0643\u0633\u0628 <strong>\u0622\u0644\u0627\u0641 \u0627\u0644\u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0645\u0646 \u0627\u0644\u0633\u0641\u0631 \u0627\u0644\u0645\u062c\u0627\u0646\u064a<\/strong> \u0648\u0645\u0632\u0627\u064a\u0627 \u0623\u062e\u0631\u0649 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0642\u0644\u064a\u0644\u0629 \u0627\u0644\u0645\u0627\u0636\u064a\u0629.<\/p>\n<p>\u0644\u0642\u062f \u0632\u0631\u0646\u0627 \u0622\u0633\u064a\u0627\u060c \u0648\u0639\u062f\u0629 \u0623\u0645\u0627\u0643\u0646 \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627\u060c \u0648\u0627\u0644\u0645\u0643\u0633\u064a\u0643\u060c \u0648\u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629.<\/p>\n<p>\u064a\u064f\u0642\u0627\u0644 \u0625\u0646 \u0627\u0644\u0633\u0641\u0631 \u0647\u0648 \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0648\u062d\u064a\u062f \u0627\u0644\u0630\u064a \u062a\u0634\u062a\u0631\u064a\u0647 \u0648\u064a\u062c\u0639\u0644\u0643 \u0623\u0643\u062b\u0631 \u062b\u0631\u0627\u0621\u064b \u2014 \u0648\u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u0637\u064a\u0631\u0627\u0646 \u0647\u064a \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0641\u0636\u0644 \u0644\u062f\u064a \u0644\u0644\u0634\u0631\u0627\u0621 \u2014 \u0648\u0644\u0643\u0646 \u0627\u0644\u0623\u0645\u0631 \u064a\u0635\u0628\u062d \u0623\u0643\u062b\u0631 \u0645\u062a\u0639\u0629 \u0639\u0646\u062f\u0645\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u062c\u0627\u0646\u064b\u0627.<\/p>\n<h2 id=\"section-2\">\u0643\u064a\u0641 \u062a\u0639\u0645\u0644 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (\u0648\u0644\u0645\u0627\u0630\u0627 \u0627\u0633\u062a\u0631\u062f\u0627\u062f 1% \u0645\u0646 \u0627\u0644\u0646\u0642\u0648\u062f \u0644\u064a\u0633 \u0635\u0641\u0642\u0629 \u0631\u0627\u0626\u0639\u0629)<\/h2>\n<p>\u062a\u0642\u062f\u0645 \u0645\u0639\u0638\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0646\u0648\u0639\u064b\u0627 \u0645\u0646 \u0628\u0631\u0627\u0645\u062c \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u0648\u062f\u060c \u0648\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0643\u0648\u0646 \u0628\u0646\u0633\u0628\u0629 1-2% \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a\u060c \u0648\u0644\u0643\u0646 \u0642\u062f \u064a\u0635\u0644 \u0623\u062d\u064a\u0627\u0646\u064b\u0627 \u0625\u0644\u0649 5% \u0644\u0644\u0625\u0646\u0641\u0627\u0642 \u0641\u064a \u0641\u0626\u0627\u062a \u0645\u0639\u064a\u0646\u0629.<\/p>\n<p>\u0647\u0630\u0647 \u0645\u062d\u0627\u0648\u0644\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0644\u062a\u0634\u062c\u064a\u0639\u0643 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u062a\u0647 \u0639\u0646\u062f \u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621 \u2014 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643.<\/p>\n<p>\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0647 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0646\u0641\u0642 \u0645\u0627 \u0645\u062a\u0648\u0633\u0637\u0647 1150 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0634\u0647\u0631\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u062f\u0641\u0639\u0647\u0627 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0645\u062b\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0648\u0627\u0644\u0648\u0642\u0648\u062f \u0648\u0627\u0644\u062a\u0631\u0641\u064a\u0647 \u0648\u0627\u0644\u0645\u0644\u0627\u0628\u0633 (\u0648\u0647\u0648 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0623\u0633\u0631\u064a \u0627\u0644\u0648\u0637\u0646\u064a <a href=\"https:\/\/studentloanhero.com\/average-monthly-expenses-statistics\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 \u0648\u0627\u062d\u062f(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/a>)\u060c \u0641\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0633\u0628 <strong>138 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0633\u0646\u0648\u064a\u064b\u0627<\/strong> \u0641\u064a \u0635\u0648\u0631\u0629 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a.<\/p>\n<p>\u0645\u0646 \u0627\u0644\u0648\u0627\u0636\u062d \u0623\u0646\u0647\u0627 \u0644\u064a\u0633\u062a \u0645\u063a\u064a\u0631\u064b\u0627 \u0644\u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 <strong>\u0646\u0642\u0648\u062f \u0645\u062c\u0627\u0646\u064a\u0629.<\/strong><\/p>\n<h3>\u0644\u0643\u0646 \u0644\u0627 \u064a\u0632\u0627\u0644 \u0628\u0625\u0645\u0643\u0627\u0646\u0643 \u062a\u062d\u0642\u064a\u0642 \u0623\u0641\u0636\u0644 \u0645\u0646 \u0630\u0644\u0643 \u0628\u0643\u062b\u064a\u0631<\/h3>\n<p>\u0627\u0644\u0622\u0646\u060c \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u062a\u0642\u0633\u064a\u0645 \u0647\u0630\u0627 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0628\u0627\u0644\u063a 13,800 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0639\u0644\u0649 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u062a\u0642\u062f\u0645 \u0645\u0643\u0627\u0641\u0622\u062a \u062a\u0633\u062c\u064a\u0644 \u062c\u0630\u0627\u0628\u0629\u060c \u0641\u064a\u0645\u0643\u0646\u0643 \u0643\u0633\u0628 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 <strong>1000-<a class=\"vfocused-internal-link\" title=\"\u0643\u064a\u0641 \u062d\u0642\u0642 \u062e\u0631\u064a\u062c \u062d\u062f\u064a\u062b 2000 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 \u0628\u0639\u0645\u0644 \u062c\u0627\u0646\u0628\u064a \u0639\u0644\u0649 Shopify\" href=\"https:\/\/www.dztecs.com\/money\/sheershak-agarwal\/\" target=\"_blank\" rel=\"noopener noreferrer\">2000 \u062f\u0648\u0644\u0627\u0631<\/a> \u0623\u0645\u0631\u064a\u0643\u064a \u0643\u0645\u0643\u0627\u0641\u0622\u062a.<\/strong><\/p>\n<p>\u0648\u0647\u0630\u0627 \u0623\u0641\u0636\u0644 \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 138 \u062f\u0648\u0644\u0627\u0631\u064b\u0627!<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/sAp9mSRP_Ck\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17036\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-9.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 \u064a\u0648\u062a\u064a\u0648\u0628\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-9.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-9-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<p>\u0644\u0633\u0646\u0648\u0627\u062a \u0639\u062f\u064a\u062f\u0629\u060c \u0643\u0646\u062a \u0623\u0645\u062a\u0644\u0643 \u0628\u0637\u0627\u0642\u0629 \u0623\u0648 \u0627\u062b\u0646\u062a\u064a\u0646 \u0641\u0642\u0637 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u064a\u060c \u0648\u0643\u0646\u062a \u0623\u0643\u062a\u0641\u064a \u0628\u0633\u0639\u0627\u062f\u0629 \u0628\u0643\u0633\u0628 1-2% \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a. \u0627\u0644\u0622\u0646\u060c \u0648\u0628\u0639\u062f \u0623\u0646 \u0639\u0631\u0641\u062a \u0645\u0627 \u0623\u0639\u0631\u0641\u0647\u060c \u064a\u0624\u0644\u0645\u0646\u064a \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0643\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u0636\u064a\u0639\u062a\u0647\u0627!<\/p>\n<p>\u0645\u0627\u0630\u0627 \u0623\u0642\u0635\u062f \u0628\u0630\u0644\u0643\u061f \u0627\u0644\u0633\u062d\u0631 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u064a\u0643\u0645\u0646 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0628\u0639\u0636 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629\u060c \u062d\u064a\u062b \u064a\u0645\u0643\u0646\u0643 \u0643\u0633\u0628 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 20%\u060c 30%\u060c 40% \u0627\u0633\u062a\u0631\u062f\u0627\u062f\u064b\u0627 \u0646\u0642\u062f\u064a\u064b\u0627 \u0623\u0648 \u0623\u0643\u062b\u0631\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0630\u0644\u0643 \u0641\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0641\u0631 \u0623\u0648 \u0643\u0631\u0635\u064a\u062f \u0641\u064a \u0643\u0634\u0641 \u062d\u0633\u0627\u0628\u0643.<\/p>\n<p>\u0625\u0644\u064a\u0643 \u0645\u062b\u0627\u0644 \u0628\u0633\u064a\u0637 \u062c\u062f\u064b\u0627:<\/p>\n<p>\u0628\u0637\u0627\u0642\u0629 <strong>Chase Freedom\u00ae Flex\u2120 Credit Card<\/strong>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u062a\u0642\u062f\u0645 \u062d\u0627\u0644\u064a\u064b\u0627 200 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0643\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0633\u062c\u064a\u0644 \u0639\u0646\u062f \u0625\u0646\u0641\u0627\u0642 500 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u0623\u0648\u0644\u0649. \u0647\u0630\u0627 \u064a\u0639\u0646\u064a <strong>40% \u0627\u0633\u062a\u0631\u062f\u0627\u062f\u064b\u0627 \u0646\u0642\u062f\u064a\u064b\u0627\u060c<\/strong> \u0623\u0648 \u0631\u0628\u0645\u0627 <strong>30 \u0636\u0639\u0641\u064b\u0627 \u0623\u0641\u0636\u0644<\/strong> \u0645\u0645\u0627 \u062a\u0643\u0633\u0628\u0647 \u0645\u0646 \u0625\u0646\u0641\u0627\u0642\u0643 \u062d\u0627\u0644\u064a\u064b\u0627.<\/p>\n<p>\u0648\u0625\u0630\u0627 \u0643\u0627\u0646 \u0625\u0646\u0641\u0627\u0642 \u0623\u0633\u0631\u062a\u0643 \u064a\u0634\u0628\u0647 \u0625\u0646\u0641\u0627\u0642\u0646\u0627\u060c \u0641\u0644\u0646 \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0625\u0646\u0641\u0627\u0642 500 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u0628\u0637\u0627\u0642\u062a\u0643 \u0641\u064a \u063a\u0636\u0648\u0646 3 \u0623\u0634\u0647\u0631. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0644\u0627 \u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629!<\/p>\n<p><strong>\u0627\u0646\u0642\u0631 \u0647\u0646\u0627 \u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0628\u063a\u064a\u0631\u0647\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p>\u0628\u0627\u062e\u062a\u0635\u0627\u0631\u060c 1% \u0636\u0639\u064a\u0641 \u062c\u062f\u064b\u0627\u061b \u0623\u0645\u0627 40%\u060c \u0641\u0646\u062d\u0646 \u0646\u062d\u0642\u0642 \u0623\u0641\u0636\u0644 \u0628\u0643\u062b\u064a\u0631.<\/p>\n<p>\u0645\u0646 \u0627\u0644\u0648\u0627\u0636\u062d \u0623\u0646 \u0627\u0644\u0623\u0645\u0631 \u064a\u062a\u0637\u0644\u0628 \u0628\u0639\u0636 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629\u060c \u062d\u064a\u062b \u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0628\u0628\u0633\u0627\u0637\u0629 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u062c\u062f\u064a\u062f \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u062a\u0635\u0644 \u0641\u064a\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0628\u0627\u0644\u063a 500 \u062f\u0648\u0644\u0627\u0631. \u0633\u0646\u062a\u062d\u062f\u062b \u0639\u0646 \u0630\u0644\u0643 \u0628\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0641\u0635\u064a\u0644 \u0623\u062f\u0646\u0627\u0647.<\/p>\n<h2 id=\"section-3\">\u0643\u064a\u0641 (\u0648\u0643\u0645 \u0645\u0631\u0629) \u062a\u062e\u062a\u0627\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a<\/h2>\n<p>\u0642\u0628\u0644 \u0623\u0646 \u062a\u0628\u062f\u0623\u060c \u0647\u0646\u0627\u0643 \u0628\u0639\u0636 &#8220;\u0627\u0644\u0642\u0648\u0627\u0639\u062f&#8221; \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u0636\u0639\u0647\u0627 \u0641\u064a \u0627\u0639\u062a\u0628\u0627\u0631\u0643 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0644\u0639\u0628\u0629.<\/p>\n<h3>\u0641\u062a\u0631\u0629 \u0627\u0644\u0627\u0646\u062a\u0638\u0627\u0631 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 (3 \u0623\u0634\u0647\u0631)<\/h3>\n<p>\u0623\u0648\u0644\u0627\u064b\u060c \u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0623\u0644\u0627 \u062a\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062a\u062a\u0627\u0644\u064a\u0629 \u0628\u0633\u0631\u0639\u0629. \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0630\u0644\u0643\u060c \u0623\u0646\u0635\u062d \u0628\u0640 <strong>\u0627\u0644\u0627\u0646\u062a\u0638\u0627\u0631 \u0644\u0645\u062f\u0629 3 \u0623\u0634\u0647\u0631 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0628\u064a\u0646 \u0643\u0644 \u0637\u0644\u0628 \u0648\u0622\u062e\u0631.<\/strong><\/p>\n<p>\u0643\u0644 \u0637\u0644\u0628 \u062a\u0642\u062f\u0645\u0647 \u064a\u064f\u0633\u062c\u0644 \u0641\u064a \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0625\u0630\u0627 \u0628\u062f\u0627 \u0623\u0646\u0643 \u062a\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628\u0627\u062a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0641\u0631\u0637 \u0641\u064a \u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629 \u0642\u0635\u064a\u0631\u0629 \u062c\u062f\u064b\u0627\u060c \u0641\u0642\u062f \u064a\u062b\u064a\u0631 \u0630\u0644\u0643 \u0639\u0644\u0627\u0645\u0629 \u062d\u0645\u0631\u0627\u0621\u060c \u0645\u0645\u0627 \u064a\u0624\u062b\u0631 \u0633\u0644\u0628\u064b\u0627 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643 \u0648\u064a\u062c\u0639\u0644 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0644\u0627\u062d\u0642\u0629 \u0623\u0643\u062b\u0631 \u0635\u0639\u0648\u0628\u0629.<\/p>\n<p>\u0644\u0627 \u0623\u0642\u0648\u0644 \u0625\u0646\u0646\u064a \u0644\u0645 \u0623\u062e\u0631\u0642 \u0647\u0630\u0647 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0645\u0646 \u0642\u0628\u0644&#8230; \u0648\u0644\u0643\u0646 \u0627\u0639\u062a\u0628\u0631\u0647\u0627 \u0625\u0631\u0634\u0627\u062f\u0627\u062a \u0639\u0627\u0645\u0629 \u0623\u0648 \u0623\u0641\u0636\u0644 \u0645\u0645\u0627\u0631\u0633\u0629.<\/p>\n<h3>\u0642\u0627\u0639\u062f\u0629 5\/24<\/h3>\n<p>\u062a\u062e\u062a\u0635 <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0642\u0627\u0639\u062f\u0629 5\/24 (\u062a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/a> \u0628\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0630\u0627\u062a \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 Chase. \u0648\u062a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646\u0647 \u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0641\u062a\u062d \u0623\u0643\u062b\u0631 \u0645\u0646 5 \u062d\u0633\u0627\u0628\u0627\u062a \u0644\u062f\u0649 Chase \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 24 \u0634\u0647\u0631\u064b\u0627.<\/p>\n<p>\u064a\u064f\u0634\u0627\u0631 \u0625\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0644\u0623\u0646 Chase \u062a\u064f\u0639\u062f \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0643\u0628\u0631 \u0645\u0635\u062f\u0631\u064a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u062a\u0642\u062f\u0645 \u0628\u0639\u0636\u064b\u0627 \u0645\u0646 \u0623\u0643\u062b\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u062c\u0627\u0630\u0628\u064a\u0629.<\/p>\n<h3>\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0645\u0632\u062f\u0648\u062c\u0629<\/h3>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0633\u0639\u0649 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0643\u0627\u0641\u0622\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0646\u0630 \u0641\u062a\u0631\u0629\u060c \u0641\u0642\u062f \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0646\u0641\u0633 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062a\u064a \u0627\u0633\u062a\u062e\u062f\u0645\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0627\u0636\u064a.<\/p>\n<p>\u0641\u064a \u0645\u0639\u0638\u0645 \u0627\u0644\u062d\u0627\u0644\u0627\u062a\u060c \u0644\u0627 \u062a\u0645\u0627\u0646\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0641\u064a \u0630\u0644\u0643 \u0641\u064a \u0645\u062d\u0627\u0648\u0644\u0629 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\u062a\u0643\u0648\u0646 \u0647\u0630\u0647 \u0645\u0634\u0643\u0644\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u062f\u0623\u062a \u0644\u0644\u062a\u0648\u060c \u0644\u0630\u0627 \u0644\u0627 \u062f\u0627\u0639\u064a \u0644\u0644\u0642\u0644\u0642 \u0628\u0634\u0623\u0646\u0647\u0627 \u0643\u062b\u064a\u0631\u064b\u0627.)<\/p>\n<h3>\u0643\u064a\u0641\u064a\u0629 \u062a\u0642\u064a\u064a\u0645 \u0623\u0641\u0636\u0644 \u0639\u0631\u0648\u0636 \u0645\u0643\u0627\u0641\u0622\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/h3>\n<p>\u0643\u0645\u0627 \u0646\u0627\u0642\u0634\u0646\u0627 \u0633\u0627\u0628\u0642\u064b\u0627\u060c \u062a\u0623\u062a\u064a \u0645\u0643\u0627\u0641\u0622\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0646\u0648\u0639\u064a\u0646 \u0631\u0626\u064a\u0633\u064a\u064a\u0646: \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a (cash back) \u0648\u0627\u0644\u0633\u0641\u0631. \u0648\u0644\u0643\u0646 \u0643\u064a\u0641 \u062a\u0639\u0631\u0641 <a class=\"vfocused-internal-link\" title=\"\u0645\u064f\u0639\u062f\u0644 \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u062a\u0648\u0642\u0639: \u0645\u0627 \u0647\u0648 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u061f\" href=\"https:\/\/www.dztecs.com\/money\/rate-of-return-for-retirement-planning\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0645\u0627 \u0647\u0648<\/a> \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u062c\u064a\u062f \u0648\u064a\u0633\u062a\u062d\u0642 \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0639\u0644\u064a\u0647\u061f<\/p>\n<p>\u0634\u0627\u0647\u062f \u0627\u0644\u0641\u064a\u062f\u064a\u0648 \u0627\u0644\u062a\u0627\u0644\u064a \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f:<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/suvwpW9dIxk\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17037\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-10.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 \u064a\u0648\u062a\u064a\u0648\u0628\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-10.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-10-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<h3>\u062a\u0648\u0635\u064a\u062a\u064a \u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a \u0644\u0644\u0645\u0628\u062a\u062f\u0626\u064a\u0646<\/h3>\n<p><strong>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a \u0647\u0646\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p>\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0645\u062b\u0644 <strong>Capital One Quicksilver Cash Rewards Credit Card<\/strong>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u062a\u0642\u062f\u0645 <strong>\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0633\u062c\u064a\u0644 \u0628\u0642\u064a\u0645\u0629 200 \u062f\u0648\u0644\u0627\u0631<\/strong> \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 500 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0623\u0648\u0644 3 \u0623\u0634\u0647\u0631 \u2014 \u0628\u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629. \u0648\u0647\u0630\u0627 \u064a\u0639\u0627\u062f\u0644 <strong>\u0627\u0633\u062a\u0631\u062f\u0627\u062f\u064b\u0627 \u0646\u0642\u062f\u064a\u064b\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 40%!<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17038\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/capital-one-quicksilver-2025-3.png\" alt=\"\u0628\u0637\u0627\u0642\u0629 Capital One Quicksilver 2025\" width=\"300\" height=\"189\" \/>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p><strong>\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0645\u0632\u064a\u062f \u0647\u0646\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0639\u0644\u0645 \u0623\u0646\u0643 \u0633\u062a\u0646\u0641\u0642 500 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u0642\u0627\u062f\u0645\u0629\u060c \u0641\u0647\u0630\u0627 \u0628\u0645\u062b\u0627\u0628\u0629 #\u0645\u0627\u0644_\u0645\u062c\u0627\u0646\u064a. \u062a\u0645\u0646\u062d\u0643 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0623\u064a\u0636\u064b\u0627 \u0623\u062d\u062f \u0623\u0639\u0644\u0649 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a\u060c \u0628\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u063a\u064a\u0631 \u0645\u062d\u062f\u0648\u062f \u0628\u0646\u0633\u0628\u0629 1.5% \u0639\u0644\u0649 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u062a\u0646\u0641\u0642\u0647.<\/p>\n<h3>\u062a\u0648\u0635\u064a\u0627\u062a\u064a \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0633\u0641\u0631<\/h3>\n<p><strong>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0633\u0641\u0631 \u0647\u0646\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p>\u062a\u064f\u0635\u0646\u0641 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0633\u0641\u0631 \u0636\u0645\u0646 3 \u0641\u0626\u0627\u062a \u0631\u0626\u064a\u0633\u064a\u0629:<\/p>\n<ol>\n<li><strong>\u0639\u0627\u0645\u0629<\/strong> \u2014 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0642\u0627\u0637 \u0648\u0627\u0644\u0623\u0645\u064a\u0627\u0644 \u0639\u0628\u0631 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a (\u062c\u0647\u0627\u062a \u0625\u0635\u062f\u0627\u0631 \u0645\u062b\u0644 Capital One \u0648 Chase).<\/li>\n<li><strong>\u0641\u0646\u0627\u062f\u0642<\/strong> \u2014 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0642\u0627\u0637 \u0641\u064a \u0639\u0644\u0627\u0645\u0627\u062a \u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u0646\u062f\u0642\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 (Marriott, Hilton, SPG, Hyatt).<\/li>\n<li><strong>\u062e\u0637\u0648\u0637 \u0637\u064a\u0631\u0627\u0646<\/strong> \u2014 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0642\u0627\u0637 \u0639\u0644\u0649 \u062e\u0637\u0648\u0637 \u0637\u064a\u0631\u0627\u0646 \u0645\u0639\u064a\u0646\u0629 (Delta, American, Southwest).<\/li>\n<\/ol>\n<p><strong>\u0628\u0637\u0627\u0642\u0629 Capital One Venture Rewards \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong><\/p>\n<p>\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0644\u062f\u064a \u0647\u064a <strong>\u0628\u0637\u0627\u0642\u0629 Capital One Venture<\/strong>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 &#8220;\u0623\u0645\u064a\u0627\u0644\u0627\u064b \u0645\u0636\u0627\u0639\u0641\u0629&#8221; \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a. \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0623\u0645\u064a\u0627\u0644\u0643 \u0628\u062e\u0635\u0648\u0645\u0627\u062a \u0639\u0644\u0649 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0623\u0648 \u0628\u0637\u0627\u0642\u0627\u062a \u0647\u062f\u0627\u064a\u0627\u060c \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0641\u064a \u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0633\u0641\u0631.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17039\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/capital-one-venture-300x189-2.png\" alt=\"\u0628\u0637\u0627\u0642\u0629 Capital One Venture\" width=\"300\" height=\"189\" \/><\/p>\n<p>\u062a\u0642\u062f\u0645 Capital One \u062d\u0627\u0644\u064a\u064b\u0627 <strong>\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0631\u062d\u064a\u0628\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 75,000 \u0645\u064a\u0644 (\u0628\u0642\u064a\u0645\u0629 750 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627 \u0644\u0644\u0633\u0641\u0631)\u060c<\/strong> \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 4,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u0623\u0648\u0644 3 \u0623\u0634\u0647\u0631.<\/p>\n<p>\u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 95 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627.<\/p>\n<p><strong>\u0627\u0646\u0642\u0631 \u0647\u0646\u0627 \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0648\u063a\u064a\u0631\u0647\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p><strong>\u0628\u0637\u0627\u0642\u0629 Chase Sapphire Preferred\u00ae Card<\/strong><\/p>\n<p>\u062a\u062a\u0645\u064a\u0632 <strong>\u0628\u0637\u0627\u0642\u0629 Chase Sapphire Preferred\u00ae Card<\/strong>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u0623\u064a\u0636\u064b\u0627 \u0628\u0645\u0643\u0627\u0641\u0623\u0629 \u0642\u0648\u064a\u0629 \u062a\u062a\u0636\u0645\u0646 60,000 \u0646\u0642\u0637\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 (\u062a\u0632\u064a\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u0639\u0646 750 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627 \u0639\u0646\u062f \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0644\u0644\u0633\u0641\u0631) \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 4,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u0623\u0648\u0644 3 \u0623\u0634\u0647\u0631.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17040\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/chase-sapphire-preferred-300x188-2.webp\" alt=\"\u0628\u0637\u0627\u0642\u0629 Chase Sapphire Preferred\" width=\"300\" height=\"188\" \/>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p>\u0627\u0644\u0645\u0645\u064a\u0632 \u0641\u064a \u0628\u0631\u0646\u0627\u0645\u062c Chase \u0647\u0648 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0646\u0642\u0627\u0637 \u0628\u0646\u0633\u0628\u0629 1 \u0645\u0642\u0627\u0628\u0644 1 \u0625\u0644\u0649 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u0621 \u0627\u0644\u0633\u0641\u0631\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 United \u0648 Southwest. (\u0623\u0648 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062d\u062c\u0632 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0628\u0631 \u0628\u0648\u0627\u0628\u0629 \u0645\u0643\u0627\u0641\u0622\u062a Chase).<\/p>\n<p>\u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 95 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627.<\/p>\n<p><strong>\u0627\u0646\u0642\u0631 \u0647\u0646\u0627 \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0648\u063a\u064a\u0631\u0647\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p><strong>\u0628\u0637\u0627\u0642\u0629 Southwest Rapid Rewards\u00ae Priority Credit Card<\/strong><\/p>\n<p>\u0644\u0644\u0633\u0641\u0631 \u0627\u0644\u0645\u062d\u0644\u064a\u060c \u0646\u0639\u062a\u0645\u062f \u0643\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 Southwest.<\/p>\n<p>\u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u060c \u0641\u064a \u0625\u062d\u062f\u0649 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0633\u0627\u0641\u0631\u0646\u0627 \u0625\u0644\u0649 \u0633\u064a\u0627\u062a\u0644\u060c \u0634\u064a\u0643\u0627\u063a\u0648\u060c \u0648\u0627\u0634\u0646\u0637\u0646 \u0627\u0644\u0639\u0627\u0635\u0645\u0629\u060c \u062f\u0627\u0644\u0627\u0633\u060c \u0645\u0642\u0627\u0637\u0639\u0629 \u0623\u0648\u0631\u0627\u0646\u062c\u060c \u0634\u0627\u0631\u0644\u0648\u062a\u060c \u0648\u0644\u0627\u0633 \u0641\u064a\u063a\u0627\u0633 \u2014 \u0648\u0643\u0644 \u0630\u0644\u0643 \u0645\u062c\u0627\u0646\u064b\u0627 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0642\u0627\u0637 Southwest.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17041\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/sw-priority-credit-card-1-1.png\" alt=\"\u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 Southwest Priority\" width=\"300\" height=\"185\" \/>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p>\u062a\u0623\u062a\u064a <strong>\u0628\u0637\u0627\u0642\u0629 Southwest Priority Credit Card(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/strong> \u0645\u0639 \u062a\u0630\u0643\u0631\u0629 Companion Pass\u00ae \u0645\u062c\u0627\u0646\u064a\u0629 \u0635\u0627\u0644\u062d\u0629 \u062d\u062a\u0649 28\/2\/2026 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 30,000 \u0646\u0642\u0637\u0629 \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 4,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0641\u064a \u0623\u0648\u0644 3 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628.<\/p>\n<p>(\u062a\u064f\u0642\u062f\u0631 \u0642\u064a\u0645\u0629 \u0647\u0630\u0647 \u0627\u0644\u0646\u0642\u0627\u0637 \u0648\u062d\u062f\u0647\u0627 \u0628\u062d\u0648\u0627\u0644\u064a 450 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627\u060c \u0648\u0642\u062f \u062a\u0635\u0644 \u0642\u064a\u0645\u0629 \u062a\u0630\u0643\u0631\u0629 Companion Pass \u0625\u0644\u0649 \u0622\u0644\u0627\u0641 \u0627\u0644\u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0639\u062f\u062f \u0631\u062d\u0644\u0627\u062a\u0643!).<\/p>\n<p>\u062a\u0623\u062a\u064a \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0628\u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 149 \u062f\u0648\u0644\u0627\u0631\u064b\u0627\u060c \u064a\u062a\u0645 \u062a\u0639\u0648\u064a\u0636\u0647\u0627 \u0628\u0631\u0635\u064a\u062f \u0633\u0641\u0631 \u062a\u0644\u0642\u0627\u0626\u064a \u0628\u0642\u064a\u0645\u0629 75 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u064a\u064f\u0645\u0646\u062d \u0639\u0644\u0649 \u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621 \u0645\u0646 Southwest\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 7,500 \u0646\u0642\u0637\u0629 \u0645\u0643\u0627\u0641\u0623\u0629 \u0641\u064a \u0630\u0643\u0631\u0649 \u0633\u0646\u0648\u064a\u0629 \u0644\u062d\u0627\u0645\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 (\u062a\u0635\u0644 \u0642\u064a\u0645\u062a\u0647\u0627 \u0625\u0644\u0649 112 \u062f\u0648\u0644\u0627\u0631\u064b\u0627).<\/p>\n<p><strong>\u0627\u0646\u0642\u0631 \u0647\u0646\u0627 \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0648\u063a\u064a\u0631\u0647\u0627 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<h2 id=\"section-4\">\u0643\u064a\u0641 \u062a\u062a\u0623\u0647\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/h2>\n<p>\u0628\u0635\u0641\u062a\u0643 \u0635\u0627\u062d\u0628 \u0639\u0645\u0644 \u062c\u0627\u0646\u0628\u064a\u060c \u062a\u0643\u0648\u0646 \u0642\u062f \u0636\u0627\u0639\u0641\u062a \u0639\u0645\u0644\u064a\u064b\u0627 \u062e\u064a\u0627\u0631\u0627\u062a\u0643 \u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<p>\u0623\u0646\u062a \u062a\u0639\u0644\u0645 \u0628\u0627\u0644\u0641\u0639\u0644 \u0623\u0646\u0647 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0641\u0635\u0644 \u062f\u062e\u0644 \u0648\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0639\u0645\u0644\u0643 \u0639\u0646 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u060c \u0648\u064a\u0645\u0643\u0646 \u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0623\u0646 \u062a\u062c\u0639\u0644 \u0630\u0644\u0643 \u0623\u0633\u0647\u0644.<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/C4P_ilLsVvU\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17042\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-11.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 YouTube\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-11.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-11-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<h3>\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0639\u062a\u0628\u0631 \u0639\u0645\u0644\u0627\u064b \u062a\u062c\u0627\u0631\u064a\u064b\u0627\u061f<\/h3>\n<p>\u0631\u0628\u0645\u0627 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0645\u0641\u0627\u062c\u0626\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u0644\u0644\u062a\u0642\u062f\u064a\u0645 (\u0648\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629) \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0623\u0646\u062a \u0628\u0627\u0644\u0641\u0639\u0644 \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0639\u0645\u0644 \u062a\u062c\u0627\u0631\u064a.<\/p>\n<p>\u0627\u0644\u0622\u0646\u060c \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0645\u0627\u0631\u0633 \u0639\u0645\u0644\u0627\u064b \u062c\u0627\u0646\u0628\u064a\u064b\u0627\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646\u0643 \u0628\u0627\u0644\u0641\u0639\u0644 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u2014 \u062d\u062a\u0649 \u0644\u0648 \u0644\u0645 \u062a\u0634\u0639\u0631 \u0628\u0630\u0644\u0643 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0645\u0627\u0631\u0633 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062d\u0631 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u0623\u0648 \u062a\u0628\u064a\u0639 \u0623\u0634\u064a\u0627\u0621 \u0639\u0644\u0649 eBay (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u0623\u0648 \u062a\u062f\u064a\u0631 \u0645\u062f\u0648\u0646\u0629 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u0623\u0648 \u062a\u0642\u062f\u0645 \u062f\u0631\u0648\u0633\u064b\u0627 \u062e\u0635\u0648\u0635\u064a\u0629 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u0641\u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u064f\u0639\u062a\u0628\u0631 \u0639\u0645\u0644\u0627\u064b \u062a\u062c\u0627\u0631\u064a\u064b\u0627.<\/p>\n<h3>\u0647\u0644 \u0623\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0633\u062c\u064a\u0644 \u0639\u0645\u0644\u064a\u061f<\/h3>\n<p>\u0628\u0634\u0643\u0644 \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u060c \u0623\u0646\u062a \u0645\u064f\u0633\u062c\u0644 \u0628\u0627\u0644\u0641\u0639\u0644 \u0643\u0645\u0627\u0644\u0643 \u0641\u0631\u062f\u064a. \u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0623\u0633\u064a\u0633 \u0634\u0631\u0643\u0629 \u0630\u0627\u062a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 (LLC) \u0623\u0648 \u062f\u0645\u062c\u0647\u0627 \u0644\u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<p>\u0644\u0627 \u064a\u0634\u062a\u0631\u0637 \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0639\u0645\u0644\u0643 \u0645\u0631\u0628\u062d\u064b\u0627 \u0623\u0648 \u0623\u0646 \u064a\u062d\u0642\u0642 \u0623\u064a \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0644\u0627\u0642. \u0641\u0645\u0639\u0638\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u062a\u062a\u062d\u0645\u0644 \u0628\u0639\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0641\u064a \u0628\u062f\u0627\u064a\u0627\u062a\u0647\u0627\u060c \u0648\u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0630\u0644\u0643 \u062c\u064a\u062f\u064b\u0627 \u0623\u0645 \u0633\u064a\u0626\u064b\u0627\u060c \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0633\u0639\u064a\u062f\u0629 \u0628\u0625\u0642\u0631\u0627\u0636\u0643 \u062a\u0643\u0627\u0644\u064a\u0641 \u0628\u062f\u0621 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0647\u0630\u0647.<\/p>\n<p>(\u0628\u0627\u0644\u0637\u0628\u0639\u060c \u0644\u0627 \u062a\u0646\u0641\u0642 \u0623\u0645\u0648\u0627\u0644\u064b\u0627 \u0644\u0627 \u062a\u0645\u0644\u0643\u0647\u0627.)<\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u0641\u064a \u0645\u0631\u062d\u0644\u0629 &#8220;\u0645\u0627 \u0642\u0628\u0644 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a&#8221;\u060c \u0641\u0644\u0627 \u0628\u0623\u0633 \u0628\u0630\u0644\u0643. \u0645\u0627 \u0639\u0644\u064a\u0643 \u0633\u0648\u0649 \u0645\u0644\u0621 \u0627\u0644\u0637\u0644\u0628 \u0628\u0623\u0643\u0628\u0631 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u062f\u0642\u0629 \u0648\u0627\u0644\u0635\u062f\u0642!<\/p>\n<h3>\u0647\u0644 \u0623\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0631\u0642\u0645 \u062a\u0639\u0631\u064a\u0641 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644 (EIN)\u061f<\/h3>\n<p>\u0631\u0642\u0645 \u062a\u0639\u0631\u064a\u0641 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644 (EIN) \u0644\u064a\u0633 \u0645\u0637\u0644\u0648\u0628\u064b\u0627 \u0623\u064a\u0636\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<p>(\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646\u0647 <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/apply-for-an-employer-identification-number-ein-online\" target=\"_blank\" rel=\"noopener noreferrer\">\u0645\u062c\u0627\u0646\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647 \u0645\u0646 IRS.gov (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/a>\u060c \u0648\u0642\u062f \u062a\u062d\u062a\u0627\u062c\u0647 \u0644\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u062a\u062c\u0627\u0631\u064a.)<\/p>\n<p>\u0633\u062a\u0637\u0644\u0628 \u0645\u0639\u0638\u0645 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0631\u0642\u0645 \u0627\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0639\u0644\u0649 \u0623\u064a \u062d\u0627\u0644.<\/p>\n<h3>\u0628\u0637\u0627\u0642\u0627\u062a\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647\u0627 \u0644\u0644\u0623\u0639\u0645\u0627\u0644<\/h3>\n<p><strong>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0623\u0641\u0636\u0644 \u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0647\u0646\u0627 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<h3>\u0628\u0637\u0627\u0642\u0629 Chase Ink Business\u00ae Cash \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/h3>\n<p>\u062a\u0642\u062f\u0645 \u0628\u0637\u0627\u0642\u0629 <strong>Ink Cash<\/strong> (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u062d\u0627\u0644\u064a\u064b\u0627 <strong>\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0633\u062c\u064a\u0644 \u062a\u0635\u0644 \u0625\u0644\u0649 750 \u062f\u0648\u0644\u0627\u0631\u064b\u0627<\/strong> \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 6000 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u0633\u062a\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n<p>(350 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 3000 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0623\u0648\u0644 3 \u0623\u0634\u0647\u0631\u061b \u0648400 \u062f\u0648\u0644\u0627\u0631 \u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 6 \u0622\u0644\u0627\u0641 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u062e\u0644\u0627\u0644 \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u0633\u062a\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.)<\/p>\n<p>\u0623\u0641\u0636\u0644 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0644\u0623\u0646\u0647 \u0644\u0627 \u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629 \u0639\u0644\u064a\u0647\u0627\u060c \u0648\u064a\u0645\u0643\u0646\u0643 \u0643\u0633\u0628 <strong>\u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 5% \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a<\/strong> \u0639\u0644\u0649 \u0623\u0648\u0644 25,000 \u062f\u0648\u0644\u0627\u0631 \u062a\u0646\u0641\u0642\u0647\u0627 \u0641\u064a \u0641\u0626\u0627\u062a \u0623\u0639\u0645\u0627\u0644 \u0634\u0627\u0626\u0639\u0629 \u0645\u0639\u064a\u0646\u0629.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17043\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/chase-ink-business-cash-2021-1.png\" alt=\"\u0628\u0637\u0627\u0642\u0629 Chase Ink Business Cash 2021\" width=\"300\" height=\"185\" \/> (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p><strong>\u0627\u0646\u0642\u0631 \u0647\u0646\u0627 \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0648\u0645\u0642\u0627\u0631\u0646\u0629 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0628\u063a\u064a\u0631\u0647\u0627 (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p><strong>\u0628\u0637\u0627\u0642\u0629 Chase Ink Business Preferred\u00ae \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong><\/p>\n<p>\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0645\u0646\u062d\u0643 \u0628\u0637\u0627\u0642\u0629 <strong>Chase Ink Business Preferred (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/strong> \u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0633\u062c\u064a\u0644 \u0642\u062f\u0631\u0647\u0627 90,000 \u0646\u0642\u0637\u0629 (\u0628\u0642\u064a\u0645\u0629 900 \u062f\u0648\u0644\u0627\u0631 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u0623\u0648 1,125 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0644\u0644\u0633\u0641\u0631 \u0639\u0646\u062f \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0639\u0628\u0631 Chase Travel\u2120)\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0625\u0646\u0641\u0627\u0642 \u062d\u062f \u0623\u062f\u0646\u0649 \u0642\u062f\u0631\u0647 8,000 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17044\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/chase-ink-business-preferred-2021-1.png\" alt=\"\u0628\u0637\u0627\u0642\u0629 Chase Ink Business Preferred 2021\" width=\"300\" height=\"185\" \/>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p>\u0627\u0644\u0645\u062b\u064a\u0631 \u062d\u0642\u064b\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0647\u0648 \u0623\u0646\u0647\u0627 \u062a\u0642\u062f\u0645 <strong>3 \u0623\u0636\u0639\u0627\u0641 \u0627\u0644\u0646\u0642\u0627\u0637 \u0639\u0644\u0649 \u0623\u0648\u0644 150,000 \u062f\u0648\u0644\u0627\u0631 \u062a\u0646\u0641\u0642\u0647\u0627 \u0641\u064a \u0627\u0644\u0633\u0641\u0631 \u0648\u0641\u0626\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u062e\u062a\u0627\u0631\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u062b\u0644 \u0627\u0644\u0625\u0639\u0644\u0627\u0646\u0627\u062a.<\/strong> \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0646\u0641\u0642 \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0625\u0639\u0644\u0627\u0646\u0627\u062a \u0639\u0644\u0649 Facebook \u0623\u0648 Google\u060c \u0641\u0633\u062a\u062a\u0631\u0627\u0643\u0645 \u0647\u0630\u0647 \u0627\u0644\u0646\u0642\u0627\u0637 \u0628\u0633\u0631\u0639\u0629!<\/p>\n<p>\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0639\u0646\u062f\u0645\u0627 \u0643\u0646\u062a \u0623\u062f\u064a\u0631 \u0639\u0645\u0644\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u0623\u062d\u0630\u064a\u0629(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)\u060c \u0643\u0646\u062a \u0623\u0646\u0641\u0642 \u0645\u0627 \u0628\u064a\u0646 500 \u0625\u0644\u0649 1000 \u062f\u0648\u0644\u0627\u0631 \u064a\u0648\u0645\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u0639\u0644\u0627\u0646\u0627\u062a\u060c \u0648\u0643\u0646\u062a \u0623\u062c\u0645\u0639 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0646\u0642\u0627\u0637 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n<p><strong>\u0627\u0646\u0642\u0631 \u0647\u0646\u0627 \u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0628\u063a\u064a\u0631\u0647\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<h2 id=\"section-5\">\u0647\u0644 \u0633\u064a\u0624\u062b\u0631 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f \u062e\u0631\u0627\u0641\u0627\u062a \u0648\u062d\u0642\u0627\u0626\u0642 \u062d\u0648\u0644 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/h2>\n<p>\u0642\u062f \u064a\u0624\u062b\u0631 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643\u060c \u0648\u0644\u0643\u0646 \u0631\u0628\u0645\u0627 \u0644\u064a\u0633 \u0628\u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u062e\u064a\u0644\u0647\u0627.<\/p>\n<p>\u0647\u0646\u0627\u0643 \u0628\u0639\u0636 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0645\u0631\u0627\u0639\u0627\u062a\u0647\u0627\u060c \u0648\u0633\u0623\u062a\u0646\u0627\u0648\u0644\u0647\u0627 \u0623\u062f\u0646\u0627\u0647. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0641\u0625\u0646 \u0627\u0644\u0623\u0647\u0645 \u0647\u0648 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0642\u062a\u0631\u0636\u064b\u0627 \u0645\u0633\u0624\u0648\u0644\u0627\u064b: \u0644\u0627 \u062a\u0646\u0641\u0642 \u0623\u0645\u0648\u0627\u0644\u0627\u064b \u0644\u0627 \u062a\u0645\u0644\u0643\u0647\u0627\u060c \u0644\u0627 \u062a\u0635\u0644 \u0628\u0628\u0637\u0627\u0642\u0627\u062a\u0643 \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649\u060c \u0648\u0644\u0627 \u062a\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f.<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/b4rfUsbXPWQ\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17045\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-12.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 YouTube\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-12.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-12-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<h3>\u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a<\/h3>\n<p>\u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u062a\u062a\u0642\u062f\u0645 \u0641\u064a\u0647\u0627 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f\u0629\u060c \u064a\u064f\u062d\u062a\u0633\u0628 \u0630\u0644\u0643 \u0643\u0640 &#8220;\u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a&#8221; \u0641\u064a \u062a\u0642\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a.<\/p>\n<p>\u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0645\u0642\u0628\u0648\u0644\u0629\u060c \u0648\u0642\u062f \u064a\u0624\u062b\u0631 \u0643\u0644 \u0645\u0646\u0647\u0627 \u0639\u0644\u0649 \u062f\u0631\u062c\u062a\u0643 \u0628\u0646\u062d\u0648 3 \u0646\u0642\u0627\u0637 \u0641\u0642\u0637. \u0644\u0643\u0646 \u0643\u062b\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a \u0641\u064a \u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629 \u0642\u0635\u064a\u0631\u0629 \u062a\u064f\u0639\u062f \u0625\u0634\u0627\u0631\u0629 \u062d\u0645\u0631\u0627\u0621 \u0644\u0644\u0628\u0646\u0648\u0643 \u0648\u0644\u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u0643.<\/p>\n<p>\u0627\u0644\u0628\u0646\u0648\u0643 \u0645\u062a\u062d\u0641\u0638\u0629 \u062a\u062c\u0627\u0647 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0647\u0627\u060c \u0627\u0644\u0623\u0645\u0631 \u0623\u0634\u0628\u0647 \u0628\u0640 &#8220;\u0644\u0645\u0627\u0630\u0627 \u064a\u062d\u062a\u0627\u062c \u0647\u0630\u0627 \u0627\u0644\u0634\u062e\u0635 \u0641\u062c\u0623\u0629 \u0625\u0644\u0649 \u0643\u0644 \u0647\u0630\u0627 \u0627\u0644\u0642\u062f\u0631 \u0645\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u061f&#8221;<\/p>\n<p>\u0644\u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628\u060c \u0623\u0648\u0635\u064a \u0628\u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u0642\u0637 \u0643\u0644 3 \u0623\u0634\u0647\u0631.<\/p>\n<h3>\u0645\u062f\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0648\u062a\u0627\u0631\u064a\u062e\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/h3>\n<p>\u0643\u0644\u0645\u0627 \u0637\u0627\u0644\u062a \u0645\u062f\u0629 \u0627\u0645\u062a\u0644\u0627\u0643\u0643 \u0644\u062d\u0633\u0627\u0628 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u0641\u062a\u0648\u062d \u0648\u0628\u062d\u0627\u0644\u0629 \u062c\u064a\u062f\u0629\u060c \u0643\u0627\u0646 \u0630\u0644\u0643 \u0623\u0641\u0636\u0644.<\/p>\n<p>\u0644\u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628\u060c \u0641\u0625\u0646 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0641\u062a\u0631\u0629 \u0637\u0648\u064a\u0644\u0629\u060c \u062e\u0627\u0635\u0629 \u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0641\u0631\u0636 \u0631\u0633\u0648\u0645\u064b\u0627 \u0633\u0646\u0648\u064a\u0629\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0639\u0632\u0632 \u0645\u0646 \u0639\u0645\u0631 \u062a\u0627\u0631\u064a\u062e\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a.<\/p>\n<h3>\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/h3>\n<p>\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0647\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u0627\u0633\u062a\u062e\u062f\u0645\u062a\u0647 \u0645\u0642\u0633\u0648\u0645\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0630\u064a <em>\u064a\u0645\u0643\u0646\u0643<\/em> \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647. \u0628\u0628\u0633\u0627\u0637\u0629\u060c \u0647\u064a \u0645\u0642\u062f\u0627\u0631 \u0645\u0627 \u062a\u0633\u062a\u062e\u062f\u0645\u0647 \u0645\u0646 \u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u0627\u062d \u0644\u0643.<\/p>\n<p>\u0648\u0647\u0646\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0633\u0627\u0639\u062f\u0643 \u0627\u0645\u062a\u0644\u0627\u0643 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n<p>\u062a\u0631\u063a\u0628 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0631\u0624\u064a\u0629 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u062d\u064a\u062b \u064a\u064f\u0639\u062f \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u064a\u0647\u0627 \u0623\u0642\u0644 \u0645\u0646 30% \u0625\u0631\u0634\u0627\u062f\u064a\u064b\u0627 \u0639\u0627\u0645\u064b\u0627.<\/p>\n<p>\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0647 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u062d\u062f \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u062a\u0627\u062d \u0628\u0642\u064a\u0645\u0629 10,000 \u062f\u0648\u0644\u0627\u0631\u060c \u0648\u0644\u0643\u0646\u0643 \u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0642\u0644 \u0645\u0646 3,000 \u062f\u0648\u0644\u0627\u0631\u060c \u0641\u0633\u062a\u0643\u0648\u0646 \u0641\u064a \u0648\u0636\u0639 \u062c\u064a\u062f. \u0625\u0646\u0647\u0627 \u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0623\u0646\u0643 \u0645\u0642\u062a\u0631\u0636 \u0645\u0633\u0624\u0648\u0644\u061b \u0641\u0644\u062f\u064a\u0643 \u0643\u0644 \u0647\u0630\u0627 <a class=\"vfocused-internal-link\" title=\"13 \u0637\u0631\u064a\u0642\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0643\u0633\u0628 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0641\u064a 2026: \u062d\u062a\u0649 700 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u064b\u0627\" href=\"https:\/\/www.dztecs.com\/money\/get-paid-for-your-data\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0644\u0645\u0627\u0644<\/a> \u0645\u062a\u0627\u062d\u064b\u0627 \u0644\u0643\u060c \u0644\u0643\u0646\u0643 \u062a\u0633\u062a\u062e\u062f\u0645 \u062c\u0632\u0621\u064b\u0627 \u0635\u063a\u064a\u0631\u064b\u0627 \u0645\u0646\u0647 \u0641\u0642\u0637.<\/p>\n<h3>\u062f\u0631\u062c\u062a\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629<\/h3>\n<p>\u0644\u0642\u062f \u0648\u062c\u062f\u062a \u062e\u062f\u0645\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0631\u0627\u0626\u0639\u0629 \u0645\u0646 Capital One \u062a\u064f\u062f\u0639\u0649 <a href=\"https:\/\/creditwise.capitalone.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">CreditWise (\u062a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/a> \u062a\u0645\u0646\u062d\u0643 \u062f\u0631\u062c\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0645\u062c\u0627\u0646\u064b\u0627\u060c \u062d\u062a\u0649 \u0644\u0648 \u0644\u0645 \u062a\u0643\u0646 \u0639\u0645\u064a\u0644\u0627\u064b \u0644\u0640 Capital One.<\/p>\n<p>\u0625\u0644\u064a\u0643 \u0645\u0627 \u0638\u0647\u0631 \u0644\u064a \u0639\u0646\u062f\u0645\u0627 \u0642\u0645\u062a \u0628\u0627\u0644\u062a\u0633\u062c\u064a\u0644:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17046\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/my-credit-score-creditwise-1.png\" alt=\"\u0635\u0648\u0631\u0629 \u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u064a \u0645\u0646 CreditWise\" width=\"700\" height=\"444\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/my-credit-score-creditwise-1.png 700w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/my-credit-score-creditwise-1-300x190.png 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<p>\u0644\u0630\u0627\u060c \u0644\u0627 \u062f\u0627\u0639\u064a \u0644\u0644\u0642\u0644\u0642 \u0628\u0634\u0623\u0646 \u062a\u0623\u062b\u064a\u0631 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0627\u0626\u062a\u0645\u0627\u0646\u0643\u060c \u0637\u0627\u0644\u0645\u0627 \u0623\u0646\u0643 \u0645\u0642\u062a\u0631\u0636 \u0648\u0645\u0633\u062a\u062e\u062f\u0645 \u0645\u0633\u0624\u0648\u0644 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n<h2 id=\"section-6\">\u0645\u0627\u0630\u0627 \u064a\u0648\u062c\u062f \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u064a \u0648\u0643\u064a\u0641 \u0623\u062a\u0627\u0628\u0639 \u0628\u0637\u0627\u0642\u0627\u062a\u064a\u061f<\/h2>\n<p>\u0644\u0642\u062f \u0623\u0646\u0634\u0623\u062a \u062c\u062f\u0648\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0641\u064a Google Docs \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u064a \u0641\u064a \u062a\u062a\u0628\u0639 \u0628\u0637\u0627\u0642\u0627\u062a\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0648\u0645\u0632\u0627\u064a\u0627\u0647\u0627\u060c \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629.<\/p>\n<p>\u064a\u0645\u0643\u0646\u0643 <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/159JhrMRq3nP0uML5lAIbgK7nx1VVtFVpevhDgrYaYC8\/edit?usp=sharing\" target=\"_blank\" rel=\"noopener noreferrer\">\u062d\u0641\u0638 \u0646\u0633\u062e\u0629 \u0644\u0646\u0641\u0633\u0643 \u0645\u0646 \u0647\u0646\u0627 (\u062a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/a>. (\u062a\u0623\u0643\u062f \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0646\u0642\u0631 \u0639\u0644\u0649 File &gt; Make a Copy \u0642\u0628\u0644 \u0625\u0636\u0627\u0641\u0629 \u0623\u064a \u0645\u0646 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629).<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/JVpjAHpRxJA\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17047\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-13.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 YouTube\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-13.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-13-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<h2 id=\"section-7\">\u0643\u064a\u0641\u064a\u0629 \u062a\u0644\u0628\u064a\u0629 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0641\u064a \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/h2>\n<p>\u0625\u0630\u0627 \u062e\u0637\u0637\u062a \u0645\u0633\u0628\u0642\u064b\u0627 \u0642\u0644\u064a\u0644\u0627\u064b\u060c \u0641\u0644\u0646 \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0644\u0627\u0642 \u062a\u0644\u0628\u064a\u0629 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0623\u062f\u0646\u0649.<\/p>\n<p>\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u0648\u062f (\u062a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u0627\u0644\u062a\u064a \u0627\u0633\u062a\u0639\u0631\u0636\u0646\u0627\u0647\u0627 \u2014 \u064a\u0645\u0643\u0646 \u0644\u0639\u0627\u0626\u0644\u062a\u0646\u0627 <em>\u0628\u0633\u0647\u0648\u0644\u0629<\/em> \u0625\u064a\u062c\u0627\u062f \u0646\u0641\u0642\u0627\u062a \u0628\u0642\u064a\u0645\u0629 500 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u0628\u0642\u0627\u0644\u0629\u060c \u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0623\u0648 \u063a\u064a\u0631\u0647\u0627.<\/p>\n<div data-src=\"https:\/\/www.youtube.com\/embed\/nsOZmAUWsuw\">\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17048\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-14.jpg\" alt=\"\u0641\u064a\u062f\u064a\u0648 YouTube\" width=\"480\" height=\"360\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-14.jpg 480w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/hqdefault-14-300x225.jpg 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/p>\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u062a\u064a \u0646\u0634\u062a\u0631\u064a\u0647\u0627 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u0646\u0641\u0627\u0642:<\/p>\n<ul>\n<li>\u062d\u0648\u0651\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629 \u2014 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0627\u0644\u062a\u0644\u0641\u0632\u064a\u0648\u0646\u060c \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629\u060c Netflix\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a.<\/li>\n<li>\u0627\u062c\u0639\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0647\u064a &#8220;\u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629&#8221; (daily driver) \u0644\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0648\u0642\u0648\u062f \u0648\u0627\u0644\u0628\u0642\u0627\u0644\u0629.<\/li>\n<li>\u062e\u0637\u0637 \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0646 \u0645\u0639 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f\u0629. \u0642\u062f \u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0623\u0634\u064a\u0627\u0621 \u0645\u062b\u0644 \u0627\u0644\u0623\u062b\u0627\u062b \u0623\u0648 \u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u0637\u064a\u0631\u0627\u0646.<\/li>\n<li>\u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u062c\u0645\u0627\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629. \u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0641\u064a \u0639\u0634\u0627\u0621 \u0645\u0639 \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621\u060c \u0627\u0639\u0631\u0636 \u062f\u0641\u0639 \u0627\u0644\u0641\u0627\u062a\u0648\u0631\u0629 \u0648\u0627\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u062c\u0645\u064a\u0639 \u062a\u0633\u062f\u064a\u062f \u062d\u0635\u062a\u0647\u0645 \u0646\u0642\u062f\u064b\u0627 \u0644\u0643.<\/li>\n<li>\u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/li>\n<li>\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0637\u0628\u064a\u0629. \u0645\u0639 \u0648\u062c\u0648\u062f \u0637\u0641\u0644\u064a\u0646 \u0635\u063a\u064a\u0631\u064a\u0646 \u0641\u064a \u0627\u0644\u0645\u0646\u0632\u0644 (\u0648\u0623\u0628 \u0639\u0631\u0636\u0629 \u0644\u0644\u0625\u0635\u0627\u0628\u0627\u062a!)\u060c \u0644\u0644\u0623\u0633\u0641 \u0643\u0627\u0646 \u0644\u062f\u064a\u0646\u0627 \u0639\u062f\u062f \u0644\u0627 \u0628\u0623\u0633 \u0628\u0647 \u0645\u0646 \u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0623\u0637\u0628\u0627\u0621 \u0645\u0624\u062e\u0631\u064b\u0627!<\/li>\n<li>\u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a \u0627\u0644\u062e\u064a\u0631\u064a\u0629. \u0641\u0627\u0626\u062f\u0629 \u0645\u0632\u062f\u0648\u062c\u0629!<\/li>\n<\/ul>\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0625\u0644\u064a\u0643 \u0643\u064a\u0641 \u0623\u0644\u0628\u064a \u0639\u0627\u062f\u0629\u064b \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u0646\u0641\u0627\u0642:<\/p>\n<ul>\n<li>\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629 \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u0636\u0627\u0641\u0629 \u0648\u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a.<\/li>\n<li>\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0642\u0627\u0648\u0644\u064a\u0646.<\/li>\n<li>\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0633\u0628\u0642 \u0644\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0623\u0648 \u0627\u0644\u062a\u0631\u0627\u062e\u064a\u0635.<\/li>\n<li>\u0631\u0633\u0648\u0645 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0645\u0624\u062a\u0645\u0631\u0627\u062a (\u0648\u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u0637\u064a\u0631\u0627\u0646 \u0644\u062a\u0644\u0643 \u0627\u0644\u0645\u0624\u062a\u0645\u0631\u0627\u062a).<\/li>\n<li>\u0627\u0644\u0645\u0639\u062f\u0627\u062a \u0645\u062b\u0644 \u0643\u0627\u0645\u064a\u0631\u0627\u062a \u0627\u0644\u0648\u064a\u0628\u060c \u0627\u0644\u0634\u0627\u0634\u0627\u062a\u060c \u0623\u0648 \u062c\u0647\u0627\u0632 \u0643\u0645\u0628\u064a\u0648\u062a\u0631 \u0645\u062d\u0645\u0648\u0644 \u062c\u062f\u064a\u062f.<\/li>\n<li>\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0645\u062e\u0632\u0648\u0646. \u062a\u062c\u0627\u0631\u0628\u064a \u0645\u0639 \u0623\u0639\u0645\u0627\u0644 Amazon FBA \u0643\u0627\u0646\u062a \u0631\u0627\u0626\u0639\u0629 \u0644\u062a\u0644\u0628\u064a\u0629 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0623\u062f\u0646\u0649!<\/li>\n<\/ul>\n<p>\u0627\u0644\u062e\u0644\u0627\u0635\u0629 \u0647\u064a \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u062a\u0639\u0645\u062f\u064b\u0627 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0644\u0627 \u062a\u0634\u062a\u0631\u0643 \u0641\u064a \u0628\u0637\u0627\u0642\u0629 \u0625\u0630\u0627 \u0644\u0645 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u062a\u0635\u0648\u0631 \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629.<\/p>\n<h2 id=\"section-8\">\u0642\u0627\u0639\u062f\u062a\u0627\u0646 \u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u0629<\/h2>\n<p>1. \u0644\u0627 \u062a\u0646\u0641\u0642 \u0623\u0645\u0648\u0627\u0644\u0627\u064b \u0644\u0627 \u062a\u0645\u0644\u0643\u0647\u0627.<\/p>\n<p>2. \u0644\u0627 \u062a\u0634\u062a\u0631\u0650 \u0623\u0634\u064a\u0627\u0621 \u0644\u0627 \u062a\u062d\u062a\u0627\u062c\u0647\u0627(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/p>\n<p>\u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0639\u0645\u0644\u0627\u064b \u062c\u0627\u0646\u0628\u064a\u064b\u0627 \u0631\u064a\u0627\u062f\u064a\u064b\u0627 \u0628\u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u062d\u0631\u0641\u064a\u060c \u0644\u0643\u0646\u0647 \u064a\u0648\u0641\u0631 \u0644\u064a \u0648\u0644\u0632\u0648\u062c\u062a\u064a \u0645\u0628\u0644\u063a\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0643\u0644 \u0639\u0627\u0645 \u2014 \u0623\u0645\u0648\u0627\u0644 \u062a\u0636\u0627\u0641 \u0645\u0628\u0627\u0634\u0631\u0629 \u0625\u0644\u0649 \u0635\u0627\u0641\u064a \u062f\u062e\u0644\u0646\u0627.<\/p>\n<p>\u0648\u0647\u0630\u0627 \u064a\u0639\u0627\u062f\u0644 \u0643\u0633\u0628 \u0627\u0644\u0645\u0632\u064a\u062f\u060c \u0623\u0644\u064a\u0633 \u0643\u0630\u0644\u0643\u061f<\/p>\n<h3>\u0625\u0639\u0627\u062f\u0629 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629<\/h3>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062a\u062d\u0645\u0644 \u062f\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0627\u0644\u0641\u0639\u0644\u060c \u0641\u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u062e\u064a\u0627\u0631 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0643. \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0630\u0644\u0643\u060c \u0631\u0643\u0632 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0646 \u0623\u0648\u0644\u0627\u064b.<\/p>\n<p>\u0623\u062d\u062f \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u0641\u064a\u062f\u0629 \u0647\u0648 <strong>Credible(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629).<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17049\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credible-refinance-1.jpg\" alt=\"\" width=\"700\" height=\"466\" srcset=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credible-refinance-1.jpg 700w, https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credible-refinance-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/>(\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/p>\n<p>\u0644\u0642\u062f \u0633\u0627\u0639\u062f\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0622\u0644\u0627\u0641 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u062a\u062e\u0641\u064a\u0636 \u062f\u0641\u0639\u0627\u062a \u0642\u0631\u0648\u0636\u0647\u0645 \u0627\u0644\u0637\u0644\u0627\u0628\u064a\u0629\u060c \u0648\u062a\u0642\u062f\u0645 \u0623\u064a\u0636\u064b\u0627 \u0642\u0631\u0648\u0636\u064b\u0627 \u0634\u062e\u0635\u064a\u0629 \u0644\u062a\u0648\u062d\u064a\u062f \u0627\u0644\u062f\u064a\u0648\u0646.<\/p>\n<h2 id=\"section-9\">\u0643\u064a\u0641 \u062a\u0639\u0632\u0632 \u0645\u0643\u0627\u0641\u0622\u062a\u0643<\/h2>\n<p>\u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u0633\u062a\u0645\u0646\u062d \u0625\u0646\u0641\u0627\u0642\u0643 \u0639\u0628\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062f\u0641\u0639\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u062c\u0627\u0646\u064a\u0629.<\/p>\n<p>\u0645\u0646 \u0628\u064a\u0646 \u062a\u0637\u0628\u064a\u0642\u0627\u062a\u064a \u0627\u0644\u0645\u0641\u0636\u0644\u0629:<\/p>\n<ul>\n<li><strong>Fetch Rewards (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/strong> \u2013 \u064a\u062a\u064a\u062d \u0644\u0643 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0645\u0633\u062d \u0625\u064a\u0635\u0627\u0644\u0627\u062a \u0645\u0634\u062a\u0631\u064a\u0627\u062a\u0643 \u0644\u062c\u0645\u0639 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0640 \u0628\u0637\u0627\u0642\u0627\u062a \u0647\u062f\u0627\u064a\u0627 Amazon \u0645\u062c\u0627\u0646\u064a\u0629 (\u0623\u0648 \u0645\u0646 \u0645\u062a\u0627\u062c\u0631 \u0623\u062e\u0631\u0649). <a href=\"https:\/\/www.dztecs.com\/money\/fetch-rewards-review\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0643\u062a\u0634\u0641 \u062a\u062c\u0631\u0628\u062a\u0646\u0627 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0645\u0639 \u062a\u0637\u0628\u064a\u0642 Fetch Rewards<\/a>.<\/li>\n<li><strong>Ibotta (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/strong> \u2013 \u0631\u0627\u062c\u0639 \u0625\u064a\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0628\u062d\u062b\u064b\u0627 \u0639\u0646 \u0639\u0631\u0648\u0636 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u062e\u0627\u0635\u0629. \u0644\u0642\u062f \u062d\u0635\u0644\u062a \u0634\u062e\u0635\u064a\u064b\u0627 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 5 \u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0639\u0644\u0649 \u0633\u0644\u0639 \u0641\u0631\u062f\u064a\u0629\u060c \u0644\u0630\u0627 \u064a\u0633\u062a\u062d\u0642 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u062a\u062d\u0642\u0642!<\/li>\n<li><strong>Pogo<\/strong> (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u2013 \u064a\u062f\u0641\u0639 \u0644\u0643 \u062a\u0637\u0628\u064a\u0642 Pogo \u0645\u0642\u0627\u0628\u0644 \u0645\u0634\u0627\u0631\u0643\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0648\u0642\u0639\u0643 \u0648\u0631\u0628\u0637 \u0643\u0634\u0641 \u062d\u0633\u0627\u0628 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u064a\u0645\u0643\u0646\u0643 \u0633\u062d\u0628 \u0623\u0631\u0628\u0627\u062d\u0643 \u0639\u0628\u0631 Venmo \u0623\u0648 PayPal. \u0644\u0644\u0645\u0632\u064a\u062f\u060c \u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u0645\u0631\u0627\u062c\u0639\u062a\u0646\u0627 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0644\u062a\u0637\u0628\u064a\u0642 Pogo.<\/li>\n<li><strong>Receipt Hog<\/strong> (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u2013 \u064a\u0630\u0643\u0631 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0623\u0646\u0647\u0645 \u064a\u0643\u0633\u0628\u0648\u0646 25 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0633\u0646\u0648\u064a\u064b\u0627 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0633\u0647\u0644 \u0644\u0645\u0633\u062d \u0627\u0644\u0625\u064a\u0635\u0627\u0644\u0627\u062a. \u0625\u0644\u064a\u0643 \u0645\u0631\u0627\u062c\u0639\u062a\u0646\u0627 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0644\u062a\u0637\u0628\u064a\u0642 Receipt Hog.<\/li>\n<li><a href=\"https:\/\/coinout.com\" target=\"_blank\" rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener\"><b>CoinOut<\/b> (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629)<\/a> \u2013 \u0638\u0647\u0631 \u062a\u0637\u0628\u064a\u0642 CoinOut \u0641\u064a \u0628\u0631\u0646\u0627\u0645\u062c Shark Tank\u060c \u0648\u064a\u0642\u062f\u0645 \u0648\u0638\u0627\u0626\u0641 \u0645\u0634\u0627\u0628\u0647\u0629 \u0644\u062a\u0637\u0628\u064a\u0642 Receipt Hog. \u0644\u0644\u0645\u0632\u064a\u062f\u060c \u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u0645\u0631\u0627\u062c\u0639\u062a\u0646\u0627 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0644\u062a\u0637\u0628\u064a\u0642 CoinOut.<\/li>\n<li><strong>Upside<\/strong> (\u064a\u0641\u062a\u062d \u0641\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u0628\u0648\u064a\u0628 \u062c\u062f\u064a\u062f\u0629) \u2013 \u064a\u0642\u062f\u0645 Upside \u0645\u062f\u062e\u0631\u0627\u062a \u0639\u0644\u0649 \u0634\u0643\u0644 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u0639\u0646\u062f \u062a\u0639\u0628\u0626\u0629 \u0648\u0642\u0648\u062f \u0633\u064a\u0627\u0631\u062a\u0643 \u0641\u064a \u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0648\u0642\u0648\u062f \u0627\u0644\u0634\u0631\u064a\u0643\u0629\u060c \u0648\u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 35% \u0627\u0633\u062a\u0631\u062f\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629.<\/li>\n<\/ul>\n<p>\u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u0642\u0627\u0626\u0645\u062a\u0646\u0627 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062f\u0641\u0639 \u0644\u0643 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u0645\u0632\u064a\u062f!<\/p>\n<h2 id=\"section-10\">\u062f\u0648\u0631\u0643 \u0627\u0644\u0622\u0646<\/h2>\n<p>\u0645\u0627\u0630\u0627 \u064a\u0648\u062c\u062f \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643\u061f \u0628\u0627\u062f\u0631 \u0627\u0644\u064a\u0648\u0645 \u0648\u0627\u0628\u062f\u0623 \u0641\u064a \u0627\u0644\u0633\u0639\u064a \u0648\u0631\u0627\u0621 \u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0633\u062c\u064a\u0644 \u062c\u062f\u064a\u062f\u0629.<\/p>\n<p>\u0628\u0645\u062c\u0631\u062f \u0623\u0646 \u062a\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0639\u0631\u0648\u0636 \u0648\u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0645\u0639 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u2014 \u0648\u062a\u0628\u062f\u0623 \u0641\u064a \u062c\u0646\u064a \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u2014 \u0623\u0639\u062a\u0642\u062f \u0623\u0646\u0643 \u0633\u062a\u0635\u0628\u062d \u0645\u062f\u0645\u0646\u064b\u0627 \u0639\u0644\u064a\u0647\u0627 \u0645\u062b\u0644\u064a \u062a\u0645\u0627\u0645\u064b\u0627!<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>\u0647\u0644 \u062a\u0631\u064a\u062f \u0646\u0642\u0648\u062f\u0627\u064b \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0641\u0631\u0627\u064b\u061f \u062a\u0639\u0644\u0645 \u0643\u064a\u0641 \u062a\u0643\u0633\u0628 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0630\u0643\u0627\u0621 \u0648\u062a\u062d\u0648\u0644 \u0625\u0646\u0641\u0627\u0642\u0643 \u0627\u0644\u064a\u0648\u0645\u064a \u0625\u0644\u0649 \u0645\u0632\u0627\u064a\u0627 \u062d\u0642\u064a\u0642\u064a\u0629. \u0627\u0643\u062a\u0634\u0641 \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0634\u0627\u0645\u0644 \u0627\u0644\u0622\u0646!<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":4,"featured_media":17051,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[103],"tags":[],"class_list":["post-17033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0645\u064f\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629: \u062f\u0644\u064a\u0644\u0643 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0631\u0628\u062d \u0646\u0642\u0648\u062f \u0648\u0633\u0641\u0631 \u0645\u062c\u0627\u0646\u064a \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0630\u0643\u064a<\/title>\n<meta name=\"description\" content=\"\u0647\u0644 \u062a\u0631\u064a\u062f \u0646\u0642\u0648\u062f\u0627\u064b \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0641\u0631\u0627\u064b\u061f \u062a\u0639\u0644\u0645 \u0643\u064a\u0641 \u062a\u0643\u0633\u0628 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0630\u0643\u0627\u0621 \u0648\u062a\u062d\u0648\u0644 \u0625\u0646\u0641\u0627\u0642\u0643 \u0627\u0644\u064a\u0648\u0645\u064a \u0625\u0644\u0649 \u0645\u0632\u0627\u064a\u0627 \u062d\u0642\u064a\u0642\u064a\u0629. \u0627\u0643\u062a\u0634\u0641 \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0634\u0627\u0645\u0644 \u0627\u0644\u0622\u0646!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dztecs.com\/money\/credit-card-rewards\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0645\u064f\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629: \u062f\u0644\u064a\u0644\u0643 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0631\u0628\u062d \u0646\u0642\u0648\u062f \u0648\u0633\u0641\u0631 \u0645\u062c\u0627\u0646\u064a \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0630\u0643\u064a\" \/>\n<meta property=\"og:description\" content=\"\u0647\u0644 \u062a\u0631\u064a\u062f \u0646\u0642\u0648\u062f\u0627\u064b \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0641\u0631\u0627\u064b\u061f \u062a\u0639\u0644\u0645 \u0643\u064a\u0641 \u062a\u0643\u0633\u0628 \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0630\u0643\u0627\u0621 \u0648\u062a\u062d\u0648\u0644 \u0625\u0646\u0641\u0627\u0642\u0643 \u0627\u0644\u064a\u0648\u0645\u064a \u0625\u0644\u0649 \u0645\u0632\u0627\u064a\u0627 \u062d\u0642\u064a\u0642\u064a\u0629. \u0627\u0643\u062a\u0634\u0641 \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0634\u0627\u0645\u0644 \u0627\u0644\u0622\u0646!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dztecs.com\/money\/credit-card-rewards\/\" \/>\n<meta property=\"og:site_name\" content=\"DzTecnium - Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-01T16:18:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-01T16:36:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/credit-card-rewards-101-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"435\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Zine Eddine Ali\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.dztecs.com\\\/money\\\/credit-card-rewards\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.dztecs.com\\\/money\\\/credit-card-rewards\\\/\"},\"author\":{\"name\":\"Zine Eddine 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