働くママの資産運用ブログ

専業主婦目指して資産をためたいと思っている母ちゃんの節約・倹約+資産運用ブログ。

クレジットカード

クレジットカード完全ガイド  2016年版の感想・レビュー

【完全ガイドシリーズ133】 クレジットカード完全ガイド (100%ムックシリーズ)という雑誌を購入しました。

簡単に感想を述べたいと思います。

プリペイドカードへの言及

2016年の新潮流として、Line Payの台頭を大きく取り上げています。
私も最近作成しましたが、2%という還元率は本当にすごいと思います。
2%の還元率と言えば、リクルートカード・プラスがありましたが、リクルートカード・プラスは年会費がかかりますし、また2016年10月現在、新規会員の募集と停止しています。
一方でLine Payは年会費無料。
クレジットカードではなく、クレジットカードの決済システムを利用したプリペイドカードですので審査はなく、簡単に作成できるところも大きな魅力と感じます。

高還元率カードの改悪

かつてnanacoチャージもできる高還元率カードとして有名だった漢方スタイルクラブカードも電子マネーチャージ時のポイント付与の大幅な改悪があったことや、リクルートカードプラスの改悪もあげています。2016年の高還元率ベスト1はP-one Wizカードの1.5%が最大とのこと。
なお、ハピタスというポイントサイト経由でP-one Wizカードを申し込むと1000円相当のポイントがもらえるなどします(2016/10/16現在)。
申し込む際はハピタスなどのポイントサイト経由で作成するとお得です。

共通ポイントの波

Tポイント、Pontaをはじめ、楽天ポイントカードやdポイント、JREポイント、WAON POINTカードなどポイント共通化の波がきていることを掲げています。
この共通ポイントの解説はわかりやすく、大変参考になると思います。
今後、セブン&アイ・ホールディングスも共通ポイントカードを出す予定があるという話もあり、すべてのポイントがこれら京津ポイントのどれかに所属するようになるかもしれません。
自分は財布の中をポイントカードだらけにするのにうんざりしてきて、ポイントは現在、上記の共通ポイント以外はリストラする方向にしています。
個人的にはマツモトキヨシのポイントが、この中の共通ポイント勢力のどれかに所属してくれるとありがたいと感じているのですが、難しいかなあ。。。

クレジットカードランキング1位はリクルートカード

2016年のクレジットカードランキング1位はリクルートカードとなっていました。
この結果は自分も納得です。
リクルートカードはリクルートポイントという正直使いにくいポイントで還元されますが、リクルートポイントはPontaに1:1で交換できるのでつかいやすくなっています。
また、リクルートカードはnanacoチャージ、Suicaチャージ、Edyチャージ(VISAのみ)でもポイントがつく貴重なカードです。
電子マネーチャージという点では、Yahoo!Japanカードも楽天カードもいいと思います。なお、nanacoチャージを考える場合はJCBブランドを選択する必要があります。私は楽天カードを使っているのですが、JCBブランドではないため、nanacoチャージには仕方なくJMBローソンPontaカードを使用しています。

nanacoチャージ目的でローソンPonta Visaカード

まとめ

【完全ガイドシリーズ133】 クレジットカード完全ガイド (100%ムックシリーズ)を読んだ感想ですが、偏りなく割と公平に様々なクレジットカードを紹介しているという印象を持ちました。
クレジットカードの状況は年々変わりますので、この手の雑誌は立ち読み程度でも読んでおくと参考になると思います。
高還元率カードがことごとく改悪したのをみると、クレジットカードの還元率は基本的には1%が限界なのではないかと感じます。
ですので、1%より大きい還元率のカードは改悪される可能性が高いと言うことを頭に入れながら、高還元率の時はできるだけ利用していくというのが良いかと思います。

なお、今回自分が一番興味を持ったのはAmazon MasterCardゴールド

年会費は10800円ですが、「マイ・ペイすリボ」とWeb明細利用で年会費最大6,480円の割引。かつ、この年会費にはAmazonPrime会員費も含まれています。

プライムフォト目当てでAmazonPrime会員になろうか考えているので、このクレジットカードには興味あります。
今回、この雑誌を読むまではこのカードの存在を知らなかったので、その意味でも大変ためになりました。

-クレジットカード
-,

professional analysis essay ghostwriter site us dissertation results writers website uk custom article ghostwriting services custom college assignment topic cheap personal statement proofreading sites us finance ghostwriting websites best research paper writing site us best ghostwriting for hire for mba political culture can be defined as the professional movie review writers site for college esl assignment writing site for phd esl resume proofreading sites us popular analysis essay writer sites ca professional papers ghostwriters services for masters dissertation ghostwriters for hire online masters essay editing websites top dissertation results ghostwriters services for university help with my esl expository essay on pokemon go american history x length symbolism in great expectations university editor sites online popular writers site for phd esl creative essay writing sites usa top custom essay writer services usa popular application letter proofreading service for school best speech writers websites ca pay to do speech admission paper professional case study ghostwriting service cheap custom essay ghostwriters services online top thesis proofreading services persuasive speech on homeschooling top research paper writing service online best thesis proofreading services for school essay on change professional creative writing writer for hire au home work ghostwriting service best assignment ghostwriters service for masters popular dissertation methodology ghostwriting websites us custom annotated bibliography ghostwriter website ca top paper writing site for university custom definition essay writers website us best phd essay editor service us professional personal statement writer service for phd best paper writing site for school top critical analysis essay writer service ca do my professional analysis essay on founding fathers cheap admission paper editing websites for college popular homework editor services for mba custom report editor for hire for school popular school essay editor websites us best mba college essay example cheap expository essay writers service us order custom essay on hillary clinton top book review proofreading for hire for college best bibliography ghostwriters services for phd custom persuasive essay ghostwriting site for phd cheap academic essay editor service uk type my cheap analysis essay on usa top assignment ghostwriters websites online help me write theater studies essay best letter ghostwriter website ca custom cv writing websites online best application letter proofreading websites for mba best literature review writing services for school engineering editing for hire pay to do journalism curriculum vitae best dissertation chapter writers services for phd top cv proofreading websites esl argumentative essay ghostwriter website gb help me write top college essay on hacking pay to get best custom essay on pokemon go cheap ghostwriters services usa descriptive paragraph about the beach essays about advertising hamlet quotes madness top homework editor website ca pay to write dissertation results movie review ghostwriters for hire online esl assignment proofreading website for school best school essay writing website gb professional content writer for hire us university essay proofreading services us o captain my captain theme popular college essay ghostwriter services us best phd essay writing for hire for phd cheap papers ghostwriting service cheap dissertation abstract editor for hire for university write my esl rhetorical analysis essay on brexit popular blog writers site ca cheap letter editor services gb write my professional best essay on donald trump cheap assignment writing website gb popular report writer for hire usa popular dissertation ghostwriter websites usa pay for journalism term paper esl content writing sites usa top literature review editing services au cheap creative essay proofreading website us custom essays ghostwriters for hire au professional thesis ghostwriting site for college top cv writer website ca custom blog ghostwriter website for phd animal farm muriel write me top dissertation introduction online help writing law argumentative essay top problem solving writer sites popular homework proofreading site for college cheap phd cheap essay help professional movie review writing websites cheap school essay writers site uk cheap article review ghostwriting site custom essay ghostwriting site for school write professional admission essay on donald trump top analysis essay editing site gb custom critical thinking ghostwriting sites us popular personal essay writer for hire ca custom descriptive essay proofreading services for phd custom article review editing sites for phd popular biography ghostwriter service gb top blog post ghostwriter site top curriculum vitae writer websites au professional phd essay ghostwriter site us pay to do cheap academic essay on hacking popular university essay editor sites for masters best college letter topic social studies essay proofreading site custom personal essay writers for hire usa cheap phd expository essay topics cheap letter editor website gb custom masters essay ghostwriter for hire for mba professional research paper writer website for phd popular college essay writer websites for college professional dissertation methodology editing websites au do my esl phd essay on donald trump pay for popular research paper online buy government book review pay to do sociology blog esl cover letter writer site for mba write me leadership biography professional paper writing site us esl curriculum vitae writer for hire for university best ghostwriter for hire online good and evil in macbeth custom essay ghostwriter services au pay to write investments home work esl creative writing editing services for masters essay writers site ca top paper editor for hire for university help writing nursing letter cheap blog ghostwriters services au help me write esl creative writing write custom admission essay on pokemon go best custom essay writing sites for school help with my religious studies research proposal esl research paper editing for hire for mba top assignment writers website for phd best creative writing writing websites for college cheap resume writing for hire best case study ghostwriter websites usa popular reflective essay editing service ca assignment ghostwriting for hire usa cheap school essay editing for hire gb pay to do popular university essay on trump dissertation methodology proofreading site online popular masters dissertation hypothesis example popular mba paper examples esl dissertation proofreading for hire for masters best phd essay editing website for mba esl personal essay writing for hire for school birches robert frost summary popular term paper ghostwriters site gb best creative essay ghostwriters service for college esl academic essay editor website uk popular research proposal editor site for college esl report writing for hire for university help writing botany thesis proposal cheap dissertation hypothesis writers website for mba top masters creative essay ideas professional expository essay ghostwriters service usa popular homework writers site gb top creative essay writer sites for school custom reflective essay ghostwriting for hire gb order professional book review best creative writing ghostwriters service online cheap university essay writing website for college cheap analysis essay writer website esl cv ghostwriting sites popular descriptive essay ghostwriting website for school cheap scholarship essay ghostwriters websites for school top research paper writer sites for masters help with my top academic essay on civil war professional admission paper editing websites for phd write me sociology case study top college letter ideas custom literature review ghostwriter websites for masters custom article ghostwriter services for mba environmental studies essay examples help with my communication blog body image essays cheap term paper proofreading websites for college popular persuasive essay writing service ca professional personal essay writers website usa professional admission paper writers service us best university argumentative essay examples top dissertation introduction ghostwriting service usa esl paper ghostwriter websites uk esl thesis editor site online pay to write engineering dissertation chapter popular article writer website for masters popular dissertation chapter ghostwriters for hire custom dissertation introduction writer sites for university dissertation chapter proofreading websites au cheap biography ghostwriters website for university custom university essay proofreading for hire for school esl biography ghostwriting site online custom dissertation abstract ghostwriting websites for school environmental studies ghostwriting services popular masters essay writer for hire au best cv proofreading services for phd esl article proofreading service ca professional essays ghostwriters service for school custom scholarship essay writing websites for mba professional dissertation methodology editing sites online american revolution economy custom descriptive essay editor website for college top phd essays help write my cheap critical essay on hacking popular article ghostwriting websites gb help writing economics problem solving custom rhetorical analysis essay writer site for phd scholarship essay on religious studies best reflective essay editor for hire popular best essay editing website for college cheap dissertation proposal proofreading services for college custom university essay editing sites gb popular college presentation sample esl course work writer websites popular resume proofreading sites for mba personal strengths essay geology essay editing websites popular homework writers service for university professional scholarship essay editing service for school cheap phd custom essay topics top analysis essay ghostwriter sites ca one perfect rose analysis best bibliography editor site au content editing websites ca cheap papers writing service for university popular college biography sample esl school essay ghostwriting site for university help with my custom reflective essay on lincoln cheap critical analysis essay editing services us summary of martin luther king jr cheap essays proofreading website best blog post editor website usa cheap admission paper editor site for university popular application letter writing services for masters popular literature review editing site gb cheap application letter ghostwriters websites for university do my esl academic essay on shakespeare pay to do custom book review online help writing custom speech cheap research paper writing site usa pay to get professional content buy top academic essay on founding fathers cheap letter editor websites gb best dissertation abstract writer for hire online popular cover letter writing website ca top mba personal essay example popular masters essay writing sites for mba 12 angry men prejudice top creative essay ghostwriters for hire for college anne bradstreet the author to her book do my best home work online esl dissertation chapter ghostwriter service for university custom personal essay ghostwriter sites for university professional book review ghostwriters websites for university top movie review proofreading website for school write me drama paper cheap dissertation conclusion writing sites for college mrs joe gargery battle royal symbolism buy health assignment popular school dissertation conclusion help professional case study writers for hire for mba pay to do earth science essays custom research paper editing site for college top dissertation results writing site online popular report proofreading for hire au write professional business plan best admission essay writer service us popular application letter editor websites uk pay to write custom academic essay online popular university essay ghostwriters services us custom phd thesis statement assistance spark notes huck fin cheap creative essay proofreading site top phd essay proofreading site for phd cheap article writers websites us best university essay on usa order science argumentative essay best business plan writer websites for masters custom school thesis statement topics pay to do business course work professional research paper editor services online help with my earth science dissertation methodology custom critical thinking ghostwriting sites online custom thesis proposal ghostwriters site us best descriptive essay writers websites online popular dissertation conclusion writers sites for university write top business plan professional blog writing website us professional argumentative essay writer services online popular home work editing sites gb popular cheap essay ghostwriters sites us esl article ghostwriter for hire usa esl college essay ghostwriters for hire usa custom analysis essay editor service for phd critical essay writing for hire uk professional best essay writing services usa top home work ghostwriting site us esl home work editing for hire us help with my family and consumer science dissertation popular article ghostwriter services for mba poetry essay editor site custom dissertation introduction writers service uk cheap book review ghostwriter site esl personal essay editor sites for mba esl masters essay ghostwriting for hire gb reflective ghostwriting website professional course work ghostwriting services for school custom dissertation introduction proofreading for hire au popular blog ghostwriting service ca creative writing ghostwriter websites us blog post editing site cheap book review writer for hire for university custom blog post writing services gb curriculum vitae ghostwriting site uk custom essays ghostwriters website uk esl ghostwriter services for school amusing the million sparknotes mesomorphosis top persuasive essay ghostwriting sites for masters esl dissertation hypothesis editor services gb professional thesis proposal writers services for university professional dissertation methodology editor websites esl academic essay writer for hire for phd cheap expository essay writers services us cheap case study writer sites au article ghostwriting site uk dissertation proposal writers sites online write my best definition essay on lincoln your attention please cheap analysis essay ghostwriting sites us top masters essay ghostwriting service gb top college speech samples esl cv proofreading services for masters best resume ghostwriters sites uk popular university essay editing sites for university write my speech letter uriah stephens best masters essay writers website for university popular cover letter writing websites feminism in australia cheap academic essay writer websites ca professional argumentative essay writers websites usa rhetorical analysis proofreading service ca king leopolds ghost esl mba presentation examples professional resume proofreading sites gb top scholarship essay writer for hire au custom phd essay ghostwriters sites for masters cheap report ghostwriters service for school esl custom essay ghostwriters websites for masters popular essay writing service for phd critical analysis proofreading sites ca cheap essays ghostwriting sites usa the enchanted bluff summary who were the big four in ww1 professional problem solving ghostwriter sites gb top business plan ghostwriters services online popular course work proofreading websites for masters write me top critical analysis essay on shakespeare pay for my cheap reflective essay on civil war romeo juliet setting pay to do remedial math curriculum vitae cheap cv ghostwriters website online adrienne rich claiming an education cheap cover letter editor for hire gb esl dissertation proposal writers site for university sir charles baskerville cheap case study writer for hire au custom college essay ghostwriter websites online top scholarship essay ghostwriter for hire gb best reflective essay writers site us best school essay editor sites for masters popular critical thinking writing services for masters buy cheap best essay on trump esl research paper writers sites professional literature review writers sites usa lead like jesus summary top admission essay ghostwriter sites gb pay to get marketing application letter popular resume editing site custom blog post proofreading site for mba best annotated bibliography editor service au veterans day essays causes of the american revolution dbq popular school curriculum vitae assistance custom resume editing service popular essays ghostwriting website for mba top dissertation methodology ghostwriter service uk top critical thinking writer services gb top dissertation results proofreading website for phd why leaves turn color in the fall by diane ackerman civil rights movement research paper help writing world literature blog buy top resume online analysis essay on geography literature review editing sites usa pay for my top custom essay on brexit custom persuasive essay ghostwriter services gb cheap school essay proofreading for hire for masters professional dissertation proposal writers site for masters popular case study ghostwriting websites for college professional curriculum vitae editing websites ca professional business plan proofreading service political science essay editor site pay to get cheap analysis essay on brexit best book review ghostwriters website au custom cv writer services us cheap thesis writing site ca cheap critical thinking writing sites usa best dissertation writing services for college best biography ghostwriter for hire write top reflective essay on trump cheap university argumentative essay topic professional book review ghostwriter service au type my esl university essay on hillary clinton top best essay editing sites professional best essay editing websites ca cheap thesis proposal editing services for masters computer crime essay business plan writer services us do my communication literature review professional university dissertation hypothesis topic admission paper writer buy engineering content help with my professional creative essay on donald trump order drama movie review help me write environmental studies argumentative essay custom term paper writers site us the rime of the ancient mariner essay custom critical thinking editor site for school esl letter proofreading services for university thesis ghostwriter sites au best critical essay proofreading site online pay for school essay on lincoln write me classic english literature biography esl masters essay ghostwriters website for phd buy investments essays professional research paper proofreading site for phd best literature review writer sites online type my descriptive essay on trump custom papers writer sites for phd school writing website usa professional content proofreading for hire gb pay for cheap letter online esl admission essay writing site us custom dissertation writing site for college esl dissertation results ghostwriter websites us help writing dissertation methodology cheap papers writers service for school esl dissertation abstract writer services uk cheap proofreading site gb pay to get geometry admission paper phd essay writing website us best article proofreading site online top definition essay editing website for mba cheap thesis proposal writers services for university personal essay ghostwriters site gb professional mba literature review help cheap rhetorical analysis essay writers site for college dissertation methodology writer websites online buy popular descriptive essay on presidential elections cheap research paper writer site usa top persuasive essay ghostwriters service online write my cheap masters essay on hillary clinton cheap scholarship essay editor websites for mba pay for my medicine homework custom best essay ghostwriting website online what piece of work is man help me write ancient civilizations dissertation methodology top business plan writer for hire for university sure thing summary thesis statement proofreading websites au cheap bibliography writers sites for mba custom cover letter ghostwriters sites au cheap term paper writer service us professional thesis ghostwriting site ca