Every year, credit cards among Russians are becoming very popular. This is due to several reasons, but the main thing is the financial literacy of people and improving the conditions of banks. Due to the great competition, credit organizations come up with new card products. But still, many have the 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 signs to determine the right banking product. These include:
- Annual maintenance. This is the main parameter that should be considered when choosing a loan product. Most of them have paid services, but conditions can be beneficial. Such a card should be chosen if the conditions pay back the cost.
- Cashback Many cards have this feature, but its size and conditions may be different.
- Grace period. It is desirable that it be as long as possible. This allows you to use the funds and return them without interest.
- Commission. It is more profitable to choose a card where there is no commission for receiving cash or it is minimal.
- Fee for additional services. Typically, banks offer to use SMS-informing, the function of replenishing cards, transfers. Services can be both free and paid.
It is on the basis of these criteria that it turns out which credit card is the most profitable. The 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 best credit card? We make a choice based on the rating.
No. 1 - Tinkoff Bank
Which bank credit card is the most profitable? Reviews indicate that this is a product from Tinkoff Bank. You can order it using the Internet. It is not required to provide certificates from the place of work. Compared to other banks, Tinkoff sends the 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. The “Bravo” bonus program is connected in it, thanks to which you can receive bonuses for purchases of up to 30% on special offers. These are large online stores, chains of cafes, restaurants. For other purchases, cashback is 1%.
If the client has credit card debt with another bank, then with the receipt of the Tinkoff card, you can transfer it. The service is called “Balance Transfer”. At the same time, the client receives 90 days of the grace period. It turns out that for 3 months there will be no interest calculation.
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 debt through any banks. To obtain a loan do not need certificates and guarantors.
No. 2 - Alfa Bank
This is also a good credit card. The 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 produce 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 reach 300 thousand rubles. The rate starts from 24.9%, but is set individually for each client. The service charge depends on the type of card.
No. 3 - Touch Bank
Often, any credit card review allows you to choose the right bank product. Touch Bank is known among young residents of our country. Remote Banking Project from OTP Bank offers to receive a cashback card up to 3%. The client has the opportunity to choose the category in which there will be a high cashback.
Each purchase will be credited with more than 1%. The bank constantly has stocks on which it will turn out 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 store your funds in the bank. To apply for 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
Given the length of the grace period, which credit card is the most profitable? The reviews indicate that you can issue it at the Post Bank, because there interest is not charged for 120 days. That is why many people choose it.
The card is beneficial for online purchases. If you purchase something on the Internet for an amount of more than 7,000 rubles, then a free “online customer package” is connected. The service involves the protection of the purchase.
No. 5 - VTB Bank of Moscow
Given a service charge, which credit card is the best? Feedback from borrowers shows that you can learn the plastic from VTB Bank of Moscow, since it is free in the first year. Customers are invited to participate in the bonus program, according to which you can get up to 10% for purchases.
The rate is from 29.9%. The interest-free period is valid for 50 days. Reception 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
Which credit card is better to choose if you are interested in a profitable service? Payment is not taken at Renaissance Credit. Clients become participants in the bonus program, which allows you to receive points up to 10%.
To draw up a card, it is enough to leave a request on the site, after which you can wait for a decision. The limit on plastic will be up to 150 thousand rubles. The grace period is 55 days. The limit is renewable upon repayment of the loan. The percentage is assigned for each client individually.
These banks are popular with residents of our country. You just need to carefully read the conditions for issuing a card. And the procedure for registration in each organization is similar.
What is required for registration?
Which credit card and which bank is better to choose, the client decides independently. One will benefit from free service, while others will receive discounts from partners. After all, each card has its own advantages.
To design a banking product, you must go through the following steps:
- submit an application;
- present a 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 obtaining
Registration is carried out without information or guarantors. Many banks value credit history and do not require insurance. The credit card accrues interest on the entire amount.
Often banks offer nominal plastic, on which there is a limit and a certain percentage is set. Such banking products are issued to regular and new customers. They release it from a few days to a month.
Online clearance
Many credit organizations offer to issue cards via the Internet. You must visit the official website, entering your details. An online client can apply to several lenders, and after approval, conclude an agreement with one.
Web design has features:
- consultation is provided online and by telephone;
- convenient application design;
- review takes up to 30 minutes, after which the operator calls back;
- plastic is sent by mail or courier, but you can personally visit the bank.
Cards are registered and unnamed. The first type is considered the best, since such plastic is protected.
Recommendations
If you plan to travel abroad, you should choose a card that will work there. After all, some banks block the effect of plastic abroad. And sometimes you need a preliminary notification of departure from Russia.
If the interest rate is not indicated in the contract, then it should not be drawn up. In this case, the bank may change it, and the overpayment will be large. It is advisable to contact the institution with which you have already had to deal, or a salary card is valid from him. Regular customers are usually offered more favorable terms.
If a minimum of documents is required, then the conditions for such a loan are usually not favorable for the client. High rates, paid services, compulsory insurance may apply. If you need funds for a short period, you should find out about the possibility of early repayment, because then you will save on interest. And in some banks, early payment leads to the calculation of fines. Large rates, large fines are usually valid for loans with instant issuance.
It is advisable to choose cards with benefits, for example, with 10% for purchases. If you have to travel often, it is advisable to choose a program with bonuses for flights. This allows you to get discounts on trips. And for shopping, the discount period is perfect.
Before applying for a credit card, you need to read reviews on a banking product. When signing the contract, information regarding payments, additional services, rates should be clarified. A payment notification service, which is necessary to protect against delays, will not be out of place. With the receipt of the card, payments must be made in trusted online stores.
Cash should be withdrawn from verified ATMs. Suspicious devices must be reported to the bank or police. When withdrawing funds, you need to pay a lot of attention to security, which will avoid many misunderstandings.
Loan payment
You can pay off the debt on the card in any convenient way. Money can be transferred through any banks, payment systems, ATMs and terminals. Contribute should be an amount that must be at least a monthly 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 you pay the debt in a timely manner, then the bank offers such customers more favorable conditions for its services.