Which bank credit card is best. Which credit card should I choose? Review of credit cards. Card Credit Plus is the most profitable credit card with instant cashback

Quite difficult today. This is due to the huge number of new offers and conditions for their registration. And even the interest rate assigned to the card is no longer the main selection criterion. But any person who is going to purchase such a financial product has the opportunity to focus not only on the description and advice of representatives of commercial organizations, but also on the reviews of the holders.

Best Credit Cards Today

• Credit limit - up to 120 thousand rubles;
• Rate - from 25.9% per annum (set individually);
• Interest-free period - up to 50 days;
• You can apply without confirmation of income, submit an online application;
• Annual maintenance is free.

VTB Bank of Moscow

The Low Interest card from the Bank of Moscow is issued free of charge and is serviced free of charge in the first year of use, and also has a relatively low interest rate. However, those wishing to issue a product should be prepared for the fact that they will have to provide a rather large package of documents.

• Credit limit - from 10 to 350 thousand rubles;
• Rate - from 24.9%;
• Grace period - up to 50 days;
• CashBack - up to 5% of expenses;
• The cost of the annual service is free for the first year, 900 rubles - for the second and subsequent years, SMS informing - 59 rubles per month.

Home Credit

Annual card service from Home Credit Bank is provided free of charge and without the provision of certificates. At the same time, you can apply for a Home Credit bank credit card through an online application, saving personal time.

• Credit limit - up to 300 thousand rubles;
• Annual interest rate - from 34.9%;
• Interest-free grace period - up to 51 days;
• The cost of the annual service is free, the provision of SMS informing is 59 rubles per month.

Touch bank

For those who need a large credit limit, Touch Bank has issued a special credit card with a low rate and the possibility of online registration and home delivery. Using the online bank allows you to make, pay bills, purchases, etc.

• Credit limit - up to 1 million rubles;
• Rate - from 15.9% per year;
• Interest-free period - up to 61 days;
• The cost of the annual service is up to 3000 rubles, the provision of SMS notifications is 60 rubles per month.

How to get a credit card?

Each bank has its own approach to the issue of credit cards. Most often, the requirements for potential holders include:

• Russian citizenship and permanent registration in the country;
• Age from 21 years old and older (less often from 18 years old);
• The presence of a permanent official income and experience of at least 3 months (sometimes at least 6).

Advice: it is useful to inquire about offers on credit cards from a bank whose regular customer is a potential holder. As a rule, in such cases, they offer preferential terms.

Among the required documents most often are:

• Passport;
• Certificate of income and a copy of the work book (not required for participants in salary projects);
• Second identity document.

Cards can be issued directly at bank branches or on websites, as, for example, in the case of registration.

The most profitable credit cards - reviews

Catherine:
Now I use a card from Sberbank of Russia, which I was approved as a participant in a salary project, so I did not have to provide any documents (except for a passport) for the registration procedure. The bank charges a relatively small percentage for cash withdrawals, but it is important to remember that if you use it as a debit and deposit your own funds there, a commission will also be charged for their withdrawal. The interest rate is relatively low, and the opportunity to use the card without paying interest is also encouraging.

Oksana:
Having issued an Alfa-Bank credit card, I received a universal financial assistant in making purchases and paying bills when necessary. A huge advantage of the card is a long grace period - up to 100 days, and the interest rate is not so hard on the pocket. Sometimes I withdraw cash, and it is much more convenient than going to some bank and taking out a loan or getting loans from an MFI.

Igor:
I am surprised by the rather large number of negative reviews about the Tinkoff card. It seems to me that the people who write them are just using the map in the wrong way. I have been using it for almost 5 years now, and it was reissued for me for free. I have never withdrawn cash from a credit card, but it happened that I accidentally connected unnecessary options (unknowingly) and spent too much, which is why I had to close the debt for several months. However, the product has a lot of advantages: the ability to receive it at home, there is no need to confirm your income, a convenient Internet bank, a grace period, CashBack and much more. There is also a bonus system.

Evgeniya:
I was very impressed with the fact that you can withdraw cash from it at any ATM in the city without a commission. We are pleased with a very convenient service and a free mobile bank. Call center operators are always happy to help. The downside is that it is not always possible to deposit money without a commission, but in general I am satisfied with the card.

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Any credit card must be used very carefully, as evidenced by some reviews of the holders of such plastics. But it should be noted that a credit card is a real assistant in the quick receipt of credit funds and in making purchases.

In contact with

The variety of services and lending offers will baffle anyone. What is the most profitable credit card? Making the right choice is not an easy task. We will solve it. Let's get acquainted with the surprises of favorable conditions that look like in a fairy tale: the further, the more terrifying.

There is no universal card that will satisfy everyone. The functionality of lending is divided, each type of plastic is sharpened for solving specific problems. Therefore, it all depends on the purpose for which the card is purchased. Any option has pluses and minuses that, at first glance, seem to be beneficial. Although, in fact, they can be free cheese in a mousetrap.

The difficulty in choosing is to find a type of lending to solve one or two options with a benefit, and not all transactions. If it is necessary to solve several problems, then you need a different type of plastic with suitable conditions. Thus, bankers do not provide an opportunity to use a wide range of functionality for one type of loan. Departing from the narrow profile of a credit card, you find yourself in the bondage of unfavorable conditions.

Best credit card deals

What should you look for in order to choose the best credit cards? On the aggregate of the most significant conditions that have a certain acceptable balance. The worst option is when everything suits one position, but does not fit the other. Therefore, it is important to select proposals that satisfy several requirements. What criteria should be used to select:

1. Quite a lot of banks offer free registration and service. If there are such proposals, then you should not neglect them. Therefore, this condition is included in the priority choice.
2. Almost all credit cards have Grace period when interest is allegedly not charged for the use of funds. It ranges from 55/60 to 100/145/200 days. You should not chase the quantity - this is a little trick that can imperceptibly drag you into bondage. If there is an opportunity to cover the debt within a month, then it is worth using it.
3. Minimum interest for withdrawing funds. As a rule, profitable credit cards have up to 3% of the amount withdrawn. Basically, it ranges from 4 to 7%. It is difficult to find suitable conditions for this parameter. Calculate the average amount you withdraw for the year and the interest that you will give to the bank.
4. It is advisable to have a scheme for calculating bonuses when purchasing goods. Although the increase is small, but if it is converted into money, then someday you will make yourself a small gift. Sometimes with bonuses we get more trouble than a real increase in the budget. This can be sacrificed for other benefits if cashback is not the main goal.
5. The option of a universal card is very beneficial, where salary, pension, scholarships and other budgetary funds are not subject to interest payments when withdrawing. If the credit card is combined with these charges and has the same discounted rate, then this is the best option of all. Unfortunately, banks have almost abandoned this type of service and it is difficult to find such offers. If so, the terms of use are unacceptable. If you find it, then this will be the best offer for credit cards.

What will become a priority in the choice depends on the purpose and how to use the credit card. Someone needs cashback with maximum bonuses or minimum interest rate. Someone wants to have a long grace period or convenience in servicing, that is, having an ATM three steps from home, etc. Just remember that you will pay from your budget for a step to the left or to the right.

It is undesirable to withdraw cash from the card. It is issued for non-cash payment or use of the grace period. Therefore, interest rates are very high, and late payments are dragged into onerous payments.

In 2016, the number of debtors increased by 15% compared to the previous period, and 4 times fewer clients applied for lending. The population's solvency is falling, so you need to be careful when dealing with a loan.

What is the most profitable credit card

To find a suitable credit card option, you need to analyze 3 - 4 cards. Count and compare which proves to be the best choice for you. We will show you how to do this using an example, choosing the most favorable tariff for those who use airplanes.

How to save money on travel? If we compare cards with loyal programs for tourists, then we will choose the most profitable card. Let's take miles as points.

1. 4 positions mapVisa Gold from Sberbank.
2. For 100 rubles spent (bank transfer), 3 miles (cashback) are credited.
3. 1000 miles - bonus.
4. Spending conventionally 30 thousand rubles a month, you will earn 10800 + 1000 = 11800 miles in a year.
5. A ticket from Moscow to St. Petersburg costs about 15 thousand rubles.
6. Conclusion: I failed to earn a ticket for a year.
7. Cashback was less than 1%

1. 3-position cardAll airlinsfrom Tinkoff.
2. Premium - 1000 miles
3. For any purchase - 2%.
4. Buying an air ticket through the bank's website - 5%.
5. For booking a hotel and a car through the Tinkoff website - 10%
6. For a year - 9,700 miles or rubles.
7. The ticket must be purchased at your own expense, and the bank then returns the money.
8. Cashback - 2.2%

1. 2 positionsBritish airwaysfrom Russian Standard Bank.
2. Bonus - 5000 miles.
3. For the year - 10800 + 5000 = 15,800 miles
4. You can buy a ticket to Paris.
5. + companion voucher for every 200 thousand rubles spent - 1 ticket for free. If you spent 400 thousand - 2 free tickets.
6. Cashback in the form of tickets = 3%.
7. The disadvantage of this card is that service costs 10 thousand and you can use the card in those places where they work with systemsAmerican Express.
8. Output: profitable if you spend a lot of money from the card.

1. 1st place is the best credit VTB24 Bank cards "World Map" Visa Platinum
2. Award - 6000 points
3. For spent 35 rubles - 4 points.
4. 2 days before the birthday and 2 days after - the points for the purchase are doubled, i.e. 8%.
5. In a year you can earn = 47136 b.
6. 1b. = 33 kopecks. or 1 rub. = 3 b.
7. On the site you can book a hotel, car, etc.
8. Cashback = 3.7%
9. You can save on travel. If you spend 65 thousand dollars a month, then you will not be charged a service fee for the card, which costs more than 10 thousand.

Following this example, you can analyze maps with a different direction that you need most. This way you will select the best of them all. But please note that in our example, the accumulated points in the amount are equal to the cost of servicing the card. Banks will not make a gift to their own detriment. Pay for bonuses out of pocket.

"Surprises" of favorable conditions

By presenting favorable conditions on credit cards, many banks manage to deceive even those who regularly pay all bills. Not all clients understand where a “surprise” awaits them from borrowers.

What threatens the grace period

Grace days have a disadvantage - they need to be able to count correctly. For example, if the bank talks about two months of the grace period, then after spending the funds on January 15, they must pay back until about February 25. But these are not all the surprises. Below we will explain how these calculations actually occur.

Example: The grace period starts from the 1st of the current month and ends on the 25th (20th) of the next. The client paid for everything on time. But the Promsvyaz bank decided that the same date should be charged for the SMS-informing service. And without a twinge of conscience, they withdraw an amount of 69 rubles from the card of a client who does not even know about it. So they begin to wind up overdue debt with interest.

Therefore, be careful. Try to close the account a day or two earlier to be sure of the correct actions of the bankers. Check the account on the card on the last day. Make sure everything is okay or pay extra for the missing funds urgently. Don't trust financial systems.

Withdrawn money - check the account

During the registration process, ask what interest rate will apply if you have to withdraw cash. In advertising, bank employees announce the minimum figure that is in the contract, but it may differ from the real one. Even transferring money from card to card of one bank is impossible.

This service is removed from the agreement. Therefore, you will have to withdraw money manually. For this, you will be charged with funds that can reach 6-7% of the amount. Moreover, this money does not fall under the grace period. That is, they will have a percentage, as well as the debt. If you do not take this into account, then the debt will begin to grow, and you will not know about it.

Minimum payment

Credit card users know that bank employees inform by SMS about the deadline for making the minimum payment up to a certain date. This has already caught a lot of clients. Let's say that you spent 25 thousand rubles. You are informed that you need to make a minimum payment of 1200 rubles. You deposit hoping that this is a partial payment of the debt. And you no longer get interest. After all, this is a grace period.

It turns out that after the specified date, you again owe the same amount, but this is only interest. The debt itself has not diminished. If you pay the minimum wage according to this scheme, you will never get out of debt. It is better to clarify the numbers with the bank yourself and make sure that the body of the loan is reduced.

Please be aware that there is a monthly minimum payment for the long grace period. It consists of interest and part of the amount owed. Unknowingly, some clients find themselves in bondage conditions, not understanding why their debt is not reduced. Bankers are counting on your illiteracy and set all sorts of traps. They are not interested in a payer who is not in credit addiction.

Cashback

If you looked at the example with the accrual of bonuses, you saw that this is rather an illusion of benefit, since you will pay for this service with your own funds. For example, under the guise of servicing an account. Take credit cards with bonuses, where there is a service fee and where there is none. Count and compare - you get the same thing.

In addition, it is not always possible to convert points (miles) into money and spend on things you need. Often the conditions are such that either you waste them on nonsense, or you cannot use them due to additional conditions. There will be enough pitfalls on the way of realization.

Activation

It is not known whether you will use the card or such a day will not come, but, to your surprise, without withdrawing anything from your account, you will find yourself in arrears. How did this happen? Very simple: you were asked to check your account and activate your card. From this moment, they will begin to calculate the insurance, they will be charged for SMS and other services that are provided for in the contract.

They will not immediately inform you about this, but they will wait until the amount is more impressive. So, by not doing anything with a credit card, you become a debtor to the bank.

If the card is activated and has not been used for a long time, then check the account. It is possible that you are already in for a surprise.

Not only about the sad

If you nevertheless find yourself in large debtors, do not despair. The situation can be corrected and out of the pressure of creditors. True, this is not the topic of our article. To cheer up, let's tell a case about one atypical client of Tinkoff Bank:

When the courier brought him the contract to the house, he asked him to leave to study.

After reading about the onerous conditions, spelled out in small handwriting, I decided to joke. On the printer, I printed a new text of the agreement with its own credit terms. When the bank signed the agreement, the man was surprised. He indicated a zero interest rate and the payment of multimillion-dollar compensation if the bank unilaterally breaks off relations.

The essence of the agreement reached the bank's lawyers after 2 years. Let's just say that the parties went through mutual threats, but settled the conflict "amicably". But how much indignation and indignation the banker had when he was deceived in the same way as he acts with others ...

Output: It is impossible to describe all the traps set by banks within the framework of the article. Therefore, believe that when there is a banking system ruled by our ideological enemies, and not by the state, it is naive to think that they care about your well-being.

Money manipulations taking place in the country should alert any sane person. Which credit card is better? The one that you do not pick up in your hands or use only its beneficial sides, no more.

The team of our project compared the best credit cards of the 15 most popular banks in Russia and added them to our TOP (see table 1). We will determine the credit card rating of 2019, based on four primary and one secondary criteria. After the table, you will find an analysis of the best offers from eleven "participants" and find out which credit card is the most profitable. Plus, we will analyze user reviews of these cards.

Main criteria:

• loan rate
• credit limit
• Grace period
• proof of income (required or not and what documents are needed for this)

Secondary criteria:

• age

Table 1 - Top 11 credit cards

Map	Bid	Credit limit	Grace period	Proof of income	Age	Checkout
27,9%	up to 600,000	up to 50 days	2-NDFL certificate	from 21 to 65 years old
Credit Multicard VTB24	26%	up to 1,000,000	up to 50 days	package of documents	from 21 to 68 years old		100 days without%	from 23.99%	up to 300,000	up to 100 days	not required (but interest rate will be higher)	from 21 years old		Visa Classic from ICD	from 24% to 33%	up to 300,000	up to 55 days	not required	from 18 years old			24,9%	up to 350,000	up to 50 days	not required	from 21 to 70 years old			26,9%	up to 250,000	up to 55 days	package of documents	from 21 to 65 years old			34,9%	up to 600,000	up to 55 days	incomplete confirmation	from 21 to 63 years old			30,5%	up to 299,999	up to 57 days	not required	from 22 to 64 years old			28,9%	up to 300,000	up to 55 days	package of documents	Depends on the floor			29,9%	up to 300,000	up to 62 days	package of documents	from 22 to 64 years old		Card "110 days"	from 31% to 39%	up to 600,000	up to 110 days	incomplete confirmation	Depends on the floor

Interest rate

Since the most important criterion for a credit card is the interest rate, we will first highlight the cards with the lowest%. A low interest rate, we will assume a rate of up to 28%... Although, of course, we are interested in the best option from the ones presented below.

Table 2 - cards with the lowest interest rate

Alfa Bank	VTB	VTB 24	Russian Agricultural Bank	Sberbank
100 days without%		Multicard VTB24		from 23.99%	24,9%	26%	26,9%	27,9%

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Of the five credit cards that we selected, the best was "100 days without%" from Alfa-Bank. Let's consider all its advantages and disadvantages.

Pros and cons of the "100 days without%" credit card from Alfa-Bank

• rate from 23.99%
• credit limit up to 300,000
• grace period up to 100 days
• fee for the 1st year of service - 1,490 rubles

Pros +

• No interest period on a loan for all purchases, including cash withdrawals, within 100 days (the period is renewed the next day after the debt is fully repaid)
• There is no commission for withdrawing cash from ATMs (up to RUB 50,000 / month)
• Possibility to get a credit card with two documents (please note that upon submitting all documents you will receive the lowest rate)
• Free replenishment from cards of any banks

Minuses -

• Restriction on cash withdrawals from ATMs (up to RUB 50,000 / month)
• The high cost of connecting SMS notifications
• For late payment you will have to pay a very high percentage (although this can hardly be called a disadvantage of this card, since this is true for all credit cards, in all banks)
• The bank automatically increases the credit limit (notifies about this after the fact via SMS)

Summary:

Credit card with a rate of 23.99% and a long grace period (grace period) - 100 days. It is also possible to withdraw cash without commission (but there is a limitation, please consider this). If you know how to use credit cards and understand the risk of non-repayment of debt, then this is a very convenient option. Make sure to pay off the debt on time and the credit limit. And everything will be fine with you. Be sure to read a helpful review from one of Alfa Bank's clients.

Feedback from customers:

By credit limit

The next parameter that we compare is the credit limit. As a rule, most people use cards with a small limit, less than 150,000 rubles. This is primarily due to the fact that we mainly use credit cards as a “paycheck reserve”. And for this we do not need large sums. But one way or another, there are situations in which you need a lot more money, so right now we will determine which credit card is better to issue if you need an increased credit limit.

Table 3 - cards with the highest credit limit

	VTB 24	Sberbank	Raiffeisen	Promsvyazbank	VTB
	Multicard VTB24	Credit	Card "110 days"	Supercard	Gift to a shrine					Credit limit	Up to 1,000,000	Up to 600,000	Up to 600,000	Up to 600,000	Up to 350,000	Interest rate	26%	27,9%	31% - 39%	34,9%	24,9%

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It should be immediately noted that choosing the best credit card according to the limit, we will be in conjunction with the interest rate. This is done in order to choose the best option from the most profitable credit cards in general, and not get a high limit, at the expense of the interest rate. So, the VTB24 Multicard from VTB24, respectively, catches your eye. She has a credit limit of up to 1,000,000 rubles with an interest rate of 26%. Great offer! In this comparison, she undoubtedly wins.

But as you can see, at the end of the table, there is an option that does not quite fit the “high limit” criterion. And yes, you are right. Nevertheless, we nevertheless decided to include VTB's "Gift to the Shrine" in this table, due to its low rate. The limit of this card is up to 350,000 rubles at a rate of 24.9%. When you need an average credit limit, this is definitely your option!

Pros and cons of the credit card "Credit Multicard VTB24" from "VTB24"

• rate from 26%
• credit limit up to 1,000,000
• grace period up to 50 days
• release fee - not charged
• fee for the 1st year of service - 0-2,998 rubles

Pros +

• Cashback up to 10%
• Cash withdrawal at any ATM without commission (the amount of interest-free withdrawal depends on the amount of purchases made on the card)
• Free SMS Alert

Minuses-

• High service fee - 249 rubles

Summary:

Large credit limit and small grace period. There is a possibility of interest-free cash withdrawal from ATMs of third-party banks (but the amount depends on the amount spent on the card). A good plus is cashback up to 10%. Of the minuses, one can note a high service fee, but provided that the monthly expense on the card is from 15,000 rubles, the service will be free for you.

Grace period

We hope that everyone who reads this article knows what the grace period is and knows how to use it. If not, we remind you that the grace period is the period during which you can return the money to your credit card account, and in this case, your interest on the loan will be zero. This is a very interesting and convenient feature that all banks have recently implemented. However, it is fraught with some danger. We get used to everything and this case is no exception. The Credit Council team recommends that you be very careful with this tempting opportunity to take out an "interest-free loan"... We will talk about this in more detail in a separate article. Now let's compare the two most profitable credit cards with a grace period.

Table 4 - cards with the longest grace period

Alfa Bank	RaiffeisenBank	100 days without%	Card "110 days"		up to 100 days	up to 110 days	from 23.99%	from 31% to 39%

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Yes, we know that 110 is more than 100. If the credit cards of the two credit cards were compared without taking into account the interest rate, of course the winner would be "110 days" from RaiffeisenBank. And we are going a little differently. 10 days of grace period seems completely insignificant compared to the overpayment of the extra 7%. As a result, we chose the "100 days without%" card from Alfa-Bank, this is its second victory in this article and it is already becoming clear which credit card in this TOP is better than the rest. Pros and cons, as well as a review on this card, you can.

Proof of income

Final two criteria to help you finalize the best credit card of 2019. Despite the fact that most people are officially employed, the demand for a loan without proof of income is very high. And as a rule, this is connected, of course, with the "salary in an envelope." In the following table we will see four credit cards, which do not require proof of income... Add to this the lowest interest rate and we get a "cocktail" - "easy to get and little to pay."

Table 5 - cards without income confirmation

Alfa Bank	Credit Bank of Moscow	VTB	BinBank
100 days without%	Visa Classic from ICD	Gift to a shrine	Ozon Map

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And again in the first place, the same "100 days without%" from Alfa-Bank. You can get this card by two documents: a passport and a second one to choose from: international passport, license, TIN, SSGPS, policy / OMS card. But it is worth remembering that when confirming income, the rate will be lower! If, for some reason, you are not approved for receiving this card, take one of the three remaining in the table: Visa Classic from ICB, Gift to a shrine, Ozon Card.

According to the age

We're almost done. It remains to compare credit cards by age. Usually people over 25 take loans. Therefore, they have no difficulty in taking a credit card for this reason. Nevertheless, we decided to evaluate the cards of our top from this side as well. If you are 18 years old, then you have come to the right place 🙂 Now we will choose a card that can be obtained without problems from the age of 18. This time, seven credit cards were compared.

Table 6 - comparison of cards by age

Credit Bank of Moscow	Alfa Bank	Russian Agricultural Bank	VTB	Sberbank	VTB 24	PromsvyazBank
Visa Classic from ICD	100 days without%	Amur tiger	Gift to a shrine	Credit	Credit Multicard VTB24	Supercard				from 18 years old	from 21 years old	from 21 to 65 years old	from 21 to 70 years old	from 21 to 65 years old	from 21 to 68 years old	from 21 to 63 years old

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If you are 18 years old and you need a loan, then of all the cards we have at the moment, the most affordable is Visa Classic from Credit Bank of Moscow.

Pros and cons of the Visa Classic credit card from Credit Bank of Moscow

• rate from 24% to 33%
• credit limit up to 300,000
• grace period up to 55 days
• release fee - none
• fee for the 1st year of service - 850 rubles

Pros +

• Discounts up to 20% in partner stores
• No proof of income required

Minuses-

• Large commission for withdrawing cash from an ATM - 4.9%
• High cost of SMS notification - 60 rubles.
• Actual address of residence - Moscow or Moscow region
• Citizenship - Russian Federation
• Employer registration - Moscow or Moscow region

Summary:

Low age threshold for obtaining. It is possible to get a card even before the age of 18, subject to marriage or emancipation. Good credit limit and no need to prove income. If you are a citizen of the Russian Federation and live in Moscow or Moscow region, welcome to the ICD. You will not have any problems getting this card.

Feedback from customers:

Comparison result (most profitable card in 2019)

As a result of analyzing our ranking comparing the best credit cards of this year. The winner is the "100 days without%" card from Alfa-Bank. Let's reiterate where it is better than others: it has the lowest interest rate, the longest grace period (when the interest rate is taken into account) and no proof of income is required to receive this card! 3: 2 in favor of "100 days without%". This is a great card that deserves the title of "Best Credit Card of 2019".

Table 7 - Comparison result

Map	Bid	Credit limit	Grace period	Proof of income	Age
100 days without%	from 23.99%	up to 300,000	up to 100 days	not required	from 21 years old

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Now you know where it is better to issue a card. You can do this right now by submitting an online application. To do this, click on the green "apply" button in the table above. We hope our review helped you with your choice :) Thank you for your attention, write reviews on these cards in the comments. See you later!

Among bank credit products, it can be quite difficult to understand the profitability of a particular card.

Despite the high level of similarity of conditions, to some extent they are very different from each other.

Therefore, in order to decide which credit card and where is the best to take, you will have to study more than a dozen offers.

And to make it easier to navigate, you must initially choose for yourself the main criterion that the map must meet.

The most popular principles for choosing a credit card are as follows:

• For the price of an annual service (many prefer either free cards or with a minimum payment).
• By (cooperating with various organizations and firms, banks are ready to put forward interesting proposals for the client within the framework of co-branding campaigns).
• By size (most banking organizations offer their funds for use by clients on average for a month, however, there are different schemes for calculating the grace period and its size).
• In terms of social significance (it is very important for someone to emphasize their status in everything; moreover, there are bank offers that allow them to take more active social participation in the lives of other people).

As for which credit card is better to take - everyone decides for himself based on the rhythm of business employment, the distribution of priorities and life position. Sometimes the choice is influenced by marital status and the possibility of issuing additional cards.

TOP 5 best credit cards for citizens of the Russian Federation

Feedbacks allow you to form the TOP-5 of the most relevant loan offers today. clients of different banks.

"100 days" card from Alfa-Bank

For those who need to feel confident and free in their finances for a long time, the offer of Alfa-Bank is suitable. They issue cards of Visa and MasterCard payment systems with a very long grace period. Moreover, the uniqueness of the offer lies in the fact that the value of the interest-free grace period also applies to cash withdrawals.

Moreover, the grace period starts from the day the card is actually used. This means that the client has a real 100 days in stock to fully pay the resulting debt. With the help of this card, you can make rather large (up to 150 tr.) Purchases in installments, without wasting your time on a merchandise loan.

"Give life" card from Sberbank

It is difficult for socially active people to come up with a more significant proposal than the program of financing the needs of sick children, supported by the Savings Bank of Russia.

This card allows you to make both active transfers in favor of the children's fund, and passively help the development of medicine and meet the financial needs of children with immune deficiencies who need emergency and planned blood transfusions, organ transplants and much more.

To lead a socially significant lifestyle, you just need to regularly pay for your purchases with its help. So, by making payments every month for only 2500 rubles, you personally contribute to the transfer of 180 rubles to the account of a charitable foundation.

It would seem - trifles. But only 50,000 people, repeating these actions every month, help to raise 34 million rubles a year for the treatment of children.

Card "My Conditions" from VTB24

VTB24 Bank has one of the most profitable programs in the segment of cards with cash-back. By offering to return 1% of the customer's purchases to the account on a monthly basis (including Internet payments), the cardholder's choice manager can indicate a category that will save 5% of expenses in it.

American Express Card

This payment system, although not the most widespread in Russia, allows travel lovers to feel confident. Business people will be able to pay for goods and services with it anywhere in the world without additional commissions.

The card of this class is premium and allows its owner to claim a more comfortable level of service at airports, train stations and entertainment establishments around the world.

Providing cardholders with a very solid credit limit, it is a very effective payment instrument.

Card "200 days of credit for free" from the bank Avangard

For those who are thinking in which bank to pay low interest on a loan after the grace period has expired, it is worth considering the Vanguard proposal. Their rate is only 15%.

Moreover, new customers from the moment of card activation are offered a grace period of 200 days, which implies an interest-free use of funds.

Credit cards are becoming very popular among Russians every year. This is due to several reasons, but the main one is the financial literacy of people and the improvement of bank conditions. Due to the great competition, credit organizations come up with new card products. But still, many people have a question, what is the best credit card. The rating of the most profitable will be presented in the article. Based on it, you can choose something suitable.

Signs of a profitable card

What is the best credit card? Reviews indicate that it is necessary to focus on several characteristics to determine the appropriate banking product. These include:

1. Annual maintenance. This is the main parameter that should be considered when choosing a loan product. Most of them have a paid service, but the conditions can be beneficial. Such a card should be chosen if the conditions pay off the cost.
2. Cashback. Many cards have this feature, but the size and conditions may vary.
3. Grace period. It is desirable that it be as long as possible. This allows you to use funds and return them without interest.
4. Commission. It is more profitable to choose a card where there is no commission for receiving cash or it is minimal.
5. Payment for additional services. Usually banks offer to use SMS-informing, the function of replenishing cards, transfers. Services can be either free or paid.

It is on the basis of these criteria that it becomes clear which credit card is the most profitable. Reviews confirm that you need to study the conditions of several banks before applying for a loan. It is advisable to contact popular institutions. What is the most beneficial credit card? We make a choice based on the rating.

No. 1 - "Tinkoff Bank"

Which bank's credit card is the most profitable? Reviews indicate that this is a product from Tinkoff Bank. You can order it using the Internet. At the same time, it is not required to provide certificates from the place of work. Compared to other banks, Tinkoff sends plastic by courier, and therefore 2-3 days after the application, it will be delivered home.

In addition to the convenience of registration, the card has other advantages. It includes the "Bravo" bonus program, thanks to which you can receive bonuses for purchases up to 30% on special offers. These are large online stores, cafes and restaurants. For other purchases, cashback is 1%.

If the client has a credit card debt in another bank, then with the receipt of the "Tinkoff" card, you can transfer it. The service is called Balance Transfer. In this case, the client receives a 90-day grace period. It turns out that there will be no interest accrual for 3 months.

The rate may differ depending on whether cash is used (from 32.9%) or purchases are made (from 24.9%). The limit is up to 300 thousand rubles. You can pay the debt through any banks. To obtain a loan, you do not need certificates and guarantors.

No. 2 - "Alfa-Bank"

This is also a beneficial credit card. Reviews confirm that Alfa-Bank offers good conditions. Customers are offered a grace period of 100 days. This financial institution was one of the first to issue plastic with a grace period of more than 55-60 days.

The card is beneficial for medium and large purchases, as well as for cash withdrawals. The limit can be up to 300 thousand rubles. The rate starts at 24.9%, but is set individually for each client. The service fee depends on the type of card.

No. 3 - Touch Bank

Often, any review about credit cards allows you to choose the desired banking product. Touch Bank is known among young people in our country. The remote banking project from OTP Bank offers to receive a card with a cashback of up to 3%. The client has the opportunity to choose a category in which there will be a high cashback.

More than 1% will be charged on each purchase. The bank is constantly running promotions for which it will be possible to earn points in the form of real money, if specific conditions are met. For example, spend or perform certain operations. The service will be free if you actively use the card, as well as keep your funds in the bank. To register plastic, you need to leave a request on the site, and also wait for a decision. The card arrives in a few days by courier delivery.

No. 4 - "Post Bank"

Considering the length of the grace period, which credit card is the most beneficial? Testimonials indicate that it is possible to issue it in the "Post Bank", because interest is not charged there for 120 days. That is why many people choose her.

The card is beneficial for online shopping. If you purchase something on the Internet for an amount of 7,000 rubles or more, then a free "online shopping package" is connected. The service includes purchase protection.

No. 5 - "VTB Bank of Moscow"

Given the service charge, which credit card is the most beneficial? The borrowers' reviews show that it is possible to learn plastic from VTB Bank of Moscow, since it is free in the first year. Clients are offered participation in a bonus program, according to which they can receive up to 10% for purchases.

The rate is from 29.9%. The interest-free period is valid for 50 days. It also applies to cash withdrawals. The limit is up to 350 thousand rubles. Cashback is up to 3%. Customers have the opportunity to receive discounts from partners.

No. 6 - "Renaissance Credit"

What credit card is better to choose if you are interested in profitable service? No fees are charged by Renaissance Credit. Clients become members of the bonus program, which allows them to receive points up to 10%.

To issue a card, it is enough to leave an application on the website, after which you can wait for a decision. The limit on plastic will be up to 150 thousand rubles. valid for 55 days. The limit is revolving when the loan is repaid. The percentage is assigned for each client individually.

These banks are popular with the residents of our country. You just need to carefully read the conditions for issuing the card. And the registration procedure in each organization is similar.

What is required for registration?

Which credit card and which bank is better to choose, the client decides on his own. One will benefit from free service, while others will receive discounts from partners. After all, each card has its own advantages.

To register a banking product, you must go through the following steps:

• submit an application;
• show your passport;
• provide an additional document, for example, SNILS.

Limits are set by lenders. They can reach up to 500 thousand rubles, but often the amount reaches 150 thousand rubles. The rate is also set individually.

Features of receiving

Registration is carried out without certificates and guarantors. Many banks evaluate credit history and do not require insurance. The credit card calculates interest on the entire amount.

Banks often offer registered plastic, which has a limit and a certain percentage. Such banking products are issued to regular and new customers. It is released from several days to a month.

Online registration

Many credit organizations offer to issue cards via the Internet. You must visit the official website by entering your details. An online client can contact several lenders, and after approval, conclude an agreement with one.

Internet design has features:

• consultation is provided online and by phone;
• convenient registration of the application;
• consideration takes up to 30 minutes, after which the operator calls back;
• plastic is sent by mail or courier, but you can also visit the bank in person.

Cards are named and unnamed. The first type is considered the best, since such plastic is protected.

If you plan to travel abroad, you should choose a card that will work there as well. After all, some banks block the action of plastic abroad. And sometimes you need a preliminary notification about leaving Russia.

If the interest rate is not specified in the contract, then it should not be drawn up. In this case, the bank can change it, and the overpayment will be large. It is advisable to contact the institution with which you have already dealt, or a salary card is valid from it. More favorable conditions are usually offered to regular customers.

If a minimum of documents is required, then the conditions for such a loan are usually not favorable for the client. There may be a high rate, paid services, compulsory insurance. If funds are needed for a short period, then you should find out about the possibility of early repayment, because then it will be possible to save on interest. And in some banks, early payment leads to the accrual of fines. Large rates, large fines usually apply to loans with instant disbursement.

It is advisable to choose cards with benefits, for example, with receiving 10% for purchases. If you have to travel frequently, then it is advisable to choose a program with bonuses for flights. This allows you to receive discounts on travel. And for shopping, the discount period is perfect.

Before applying for a credit card, you need to read the reviews on the banking product. When signing the contract, you should specify information about payments, additional services, rates. The service of notification of payments will not be superfluous, which is needed to protect against delays. With the receipt of the card, payments must be made in trusted online stores.

Cash withdrawals should be made at trusted ATMs. Suspicious devices must be reported to the bank or the police. When withdrawing funds, you need to pay a lot of attention to security, which will avoid many misunderstandings.

Loan payment

You can repay the debt on the card in any convenient way. Money can be transferred through any banks, payment systems, ATMs and terminals. The amount should be contributed, which must not be less than the monthly established minimum.

Funds are usually credited within 1-5 business days, depending on the method. Repayment is carried out in the same way as with a regular loan. It consists of principal and interest. If the debt is paid on time, the bank offers such clients more favorable conditions for its services.