Credit card ratings. The best cards Rating of the best credit cards
Although why should the card be the only one? You can keep a profitable combination of cards in your wallet - with one card you can receive discounts at gas stations, with the other you can get bonuses in your favorite store, and the third can be used for unexpected purchases, because it has the lowest interest rate. It’s not worth applying for a dozen cards at once, but submitting an online application for several cards can be useful: firstly, some banks may refuse, and secondly, you need to compare the conditions that will be offered to you.
How to choose the best credit card
How to choose the most profitable card that is right for you? It's worth paying attention to how you plan to use it:
- If you plan to completely (or almost completely) repay your debt every month, choose credit cards with a long term.
- If, on the contrary, you want to pay for a large purchase and then gradually pay off the debt, pay attention to the interest rate and choose.
- Additional bonuses, discounts, air miles or will be an additional benefit of using plastic instead of cash.
On the BankCreditCard portal you can find reviews of all popular cards. Most reviews are negative, but that doesn't mean all cards are bad. Most often the problem is the incorrect use of the card. However, in each review you can find a rational grain - how the bank solves the client’s problems, the experience of communicating with the support service, sudden changes in tariffs and conditions.
Top - 5 best credit cards
We have selected the 5 best cards for all occasions. In 2018, our rating included cards from Tinkoff Bank, Touch Bank, Renaissance and Alfabank. Below we will tell you more about them.
A credit card is the best card for those who travel a lot or go on business trips. When you pay by card every day, you will receive 2% on your bonus account, and for purchasing air tickets, booking hotels and renting a car - from 3 to 10%. You receive 10% for hotel rooms and 5% for air tickets when making an order on the website Travlel.Tinkoff.ru, in other cases - 3%. It is very convenient that when paying with a Tinkoff card, you can still receive miles from the airline, thus receiving miles on 2 accounts at once.
The annual service fee quickly pays off, including through a free insurance policy.
The only disadvantage of the card is that miles can be used in increments of 3,000 miles (rubles) and starting from 6,000 rubles.
New to our ranking. But the conditions for it are really interesting. After Svyaznoy stopped releasing its universal card, and then completely lost its license, there weren’t many worthy universal cards on the market.
The Touch Bank card is notable for the fact that you can immediately receive interest on your balance (to do this, you need to place the money in a savings account) and 3% cash back in a selected category, for example, on purchases in supermarkets. And if necessary, you can use a credit limit with an interest rate of 15%. Card servicing is free if you have 50,000 rubles in your account or with a turnover of 30,000 rubles or more.
Became the best card with free service. Service on it is free without any “buts and ifs”, while cash back up to 10% in the category of the month and 1% on all other purchases is very pleasant. There are restrictions on the maximum reward amount, and the money goes to the bonus account, and not directly to the card account. But free service and a loan rate of 24% outweigh.
Received the worthy title of the best credit card with a grace period. You can get an honest interest-free loan for 100 days. The main thing is not to forget to pay the minimum required payment.
Became the best debit card. Attractive interest on the balance and honest cash back, which is simply credited to your account every month. In addition to 1% on all purchases, 5% is returned for purchases in certain categories, which you select quarterly in your personal account, and up to 30% for participation in promotions (purchases from bank partners).
Rating | Map | Interest rate | Annual maintenance | Peculiarities |
---|---|---|---|---|
The best map for travelers | 23,9 - 33,9% | 1890 RUR | 2% on all purchases with miles, 3-10% for flights and hotels | |
Best all-around card |
Demand for credit cards is traditionally high. In the competition for clients, banks offer credit cards with various options, incl. bonuses, bonuses, discounts for various groups of customers.
Almost all credit cards today are issued with a grace period. In this article we will provide an overview of the most popular credit cards and evaluate their advantages and disadvantages.
Grace period. Is everything free?
One of the parameters for choosing a credit card is. Banks advertise this option as an opportunity to use loan funds without charging interest. It is immediately worth noting some limitations of this proposal:
- The client must repay the entire amount of borrowed funds before the end of the grace period. Otherwise, the bank will charge interest for the use of credit resources;
- During the grace period, you must comply with the terms of the contract and make a regular monthly contribution. Violation of the terms will also result in interest being charged;
- Most banks do not extend the grace period to cash withdrawals. A fee is charged for this transaction.
- Payment for the annual maintenance of the credit card is charged in any case, even if the client has used the card for only a few weeks.
In general, the presence of an interest-free period is beneficial for cardholders who pay their expenses non-cash.
Best bank offers
- with a zero period of up to 50 days and a limit of up to 300,000 rubles. Tariff from 23% to 33%. The card is issued free of charge and there is no annual maintenance fee.
There is also no charge for cash withdrawals from bank ATMs. The paid SMS notification service is a drawback of this offer.
When paying with a credit card for purchases, the tariff ranges from 24.9% to 34.9%, and higher rates are charged for cash transactions.
Annual maintenance costs 590 rubles. Commission for cash transactions 2.9% + 290 rubles. The card's disadvantages are high interest rates and the lack of the bank's own ATM network.
- “Card without borders” from Zenit Bank. A large credit limit (up to 1 million rubles), a tariff from 20% and a grace period of 55 days are the main characteristics of the card.
Clients are guaranteed premium interest on their own funds and a bonus program for travel. The annual maintenance of a credit card will cost 1000 rubles. The disadvantage is the fee for withdrawing cash from credit funds.
- "Platinum World Map" from VTB 24. The lending limit is up to 1 million rubles, at an interest rate of 22%. Zero period 50 days. Card holders participate in the travel bonus program.
Disadvantages: high commission for cash transactions (5.5%, min. 300 rubles) and annual maintenance fee in the amount of 10,200 rubles.
The presented list shows the most popular cards among users, which were ordered from banks at the beginning of 2016.
As you can see, when choosing a card, customers evaluate not only the tariff rate and the availability of a grace period, but also the additional features of the card and privileges for the owner.
How to choose the right credit card? What offers are relevant in 2015, and where it is better to apply for a means of payment with a loan, you will learn from this article.
Which bank is better to get a credit card from?
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- Bonuses when paying for goods/services.
- Return of a percentage of the purchase price to the card account - Cash Back service.
- Discounts in the bank's partner network of stores.
- Accumulation of miles - points to receive benefits when flying and pay for air tickets, upgrade the level of business class service.
- Low interest rate.
- Possibility of using the card abroad.
- Cashless payment for travel.
- Discount program for payments at gas stations.
- Duration of the grace period.
- Developed ATM network.
- No hidden fees.
- Credit limit size.
- Urgency of release.
- Minimum package of documents for registration.
- Low cost of annual maintenance or provision of the card for free.
- No hidden fees.
Which credit card is better to get: reviews
Many borrowers prefer to issue cards that are profitable and easy to use, with the following characteristics:
- Long grace period.
- Low interest rate for salary clients.
- Instant release.
- Providing the CashBack service (returning a percentage of the cost of purchases).
- Participation in bonus programs, for example, for accumulating miles for air travel.
- Possibility of withdrawing cash and topping up cards in several regions of Russia.
- Action of a “credit card abroad”.
- Large loan amount on the card.
- Premium service.
TOP 20 best credit cards 2015*
The most profitable credit cards in 2015, according to borrower reviews, are:
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- loan limit – up to 300 thousand rubles;
- grace period – 55 days;
- monthly payment – 6-8% of the loan amount;
- replenishment of the card at 300 thousand retail outlets of the bank’s partners without interest;
- debt repayment in other banks without commission;
- when transferring funds to pay for a loan in another bank, the rate within 90 days is 0%;
- refund in the amount of 1% of the purchase amount from the card;
- crediting to the card account up to 30% of the price of goods/services under special programs;
- bonuses at the rate of 1 point per 1 ruble;
- payments from the card for housing and communal services, telephone, Internet connection (possibly in favor of 3,000 companies);
- debt repayment through ATMs of other financial institutions in Russia;
- a complete statement of funds on a credit card;
- card issuance within two days;
- the ability to fill out a form on the bank’s website online;
- delivery by courier of payment instrument;
- loan rate per year – 24.9% -45.9% when making purchases; 32.9% - 45.9% – when withdrawing cash;
- To obtain a guarantee and income certificates are not required.
2. Citibank – Citi Select:
- credit limit up to 300 thousand rubles – on Citi Select cards; up to 600 thousand rubles – when issuing Citi Select Premium;
- grace period – 50 days;
- installment plan for goods – 3 years;
- revolving credit line (recovery of the loan amount upon replenishment);
- MasterCard PayPass technology – payment without entering a PIN code;
- special insurance program for travelers;
- Cash Back service – return of cash to the card account;
- electronic chip protection;
- annual servicing of Citi Select cards basic – 1450 rubles, additional – 700 rubles; Citi Select Premium basic – 3950 rub., additional – 1750 rub.;
- discounts on purchases in partner network stores around the world up to 20%;
- participation in the Citi Select loyalty program;
- accrual of bonuses – “selects”:
For Citi Select cards:
- 10,000 selects – welcome;
- for every 30 rubles spent from the card. 1.5 selects are awarded;
For Citi Select Premium credit cards:
- 20,000 selects – when issuing a card;
- for every 30 rubles spent. The bonus will be 2 selects.
3. Alfa-Bank – Alfa-miles:
- loan limit – up to 150 thousand rubles. for cards of the Classic standard, up to 300 thousand rubles. – Signature Light, up to 750 thousand rubles. – Signature;
- interest-free period – 60 days;
- servicing Classic cards per year – 2000 rubles, when connecting to the “Optimum” service package – 599 rubles; Signature Light – 3500 rub. when using the “Comfort” service, Signature – 0 rub. subject to “Maximum” connection;
- accrual of bonuses per 1 mile for Classic cards; 1.5 miles for Signature Light standard; 1.75 miles for Signature plastic for every 30 rubles/1 dollar/1 euro from the card;
- 5,000 gift miles for cards of all standards;
- travel insurance policy;
- annual rate is 24.99% for Classic cards, 23.99% for Signature Light and Signature cards.
- loan limit – up to 150 thousand rubles;
- 0% on purchases for 55 days;
- registration – in 15 minutes;
- bonus program Bonus Back – return up to 1% of the purchase amount;
- revolving loan amount upon repayment;
- The interest on the loan amount is determined individually.
5. Promsvyazbank - “Supercard”:
- loan size – up to 600 thousand rubles;
- interest accrual on the loan – 34.9%;
- interest grace period – up to 145 days;
- There is no service fee;
- PSBonus privilege system;
- benefits of Premium cards;
- MasterCard PayPass technology;
- "Super Protection" security system.
- funds on the card – up to 200 thousand rubles;
- interest-free period – 55 days;
- Cash withdrawal – up to 50% towards the limit (possible worldwide);
- interest rate – 28%-49% (for non-cash payment for goods) and 32%-54% (for cash transactions);
- discounts in hotels – up to 20%;
- medical insurance abroad with a coverage amount of up to 30 thousand euros;
- making a decision on a loan in 60 seconds;
- promo code for a discount upon activation – 500 rubles;
- additional bonuses – 1% of the purchase amount;
- “Turbo Transfer”, “Card Protection”, “Elixir Service”, “Elixir Pulse”, “Credit Protection” services.
7. Alfa-Bank - “100 days without interest”:
- loan limit – up to 750 thousand rubles;
- monthly rate – from 24.99% to 37.99%;
- monthly card payment – from 5 to 100%;
- discount in more than 5,000 partner companies - up to 30%;
- grace period – 100 days for all operations;
- Application review when filling out an online application – 1 day.
8. Russian Standard Bank - American Express Bank card:
- replacement for American Express traveler's checks;
- funds limit – up to 450 thousand rubles;
- validity period – 5 years;
- penalty – in the amount of unpaid commissions and the loan amount;
- grace period – 55 days;
- discount - up to 30% in partner stores around the world under the Discount Club and American Express Selects programs;
- medical support and travel insurance;
- accumulation of bonuses through the Membership Rewards system.
9. Russian Capital – “Card with overdraft limit”:
- special offer for salary clients:
- maximum loan limit – up to 300 thousand rubles, 10 thousand dollars or euros;
- revolving credit limit;
- low rate on credit funds - 22% per year in rubles, 19% in dollars and euros;
- accrual of income on your own funds on the card.
- loan limit – up to 300 thousand rubles;
- issue and maintenance – free;
- system of discounts from bank partners;
- international standard Mastercard Wordwide;
- loan rate – 36.9% per year.
- loan currency – American dollars, euros, rubles;
- maximum loan amount – 1 million rubles, 30 thousand euros or dollars;
- the grace period extends for 2 months;
- free annual maintenance;
- possibility of issuing a non-personalized card;
- interest on debt is 36% in rubles, 40% in dollars and euros.
- credit limit – up to 200 thousand rubles;
- storing your own funds on the card;
- emission takes 30 minutes;
- 2% refund on the card from the cost of purchases of any goods at a gas station;
- participation in the Scuderia Ferrari Community is free;
- discounts in the Ferrari brand store - up to 15%;
- the ability to withdraw funds in local currency abroad;
- grace period for non-cash transfers – up to 50 days;
- connecting an additional virtual card;
- validity period – 5 years;
- the interest rate for contracts concluded from December 26, 2014 is 39.9%.
13. Devon-Credit – Visa Classic, Visa Gold, Visa Electron:
- loan limit – 5 thousand rubles. for Visa Classic cards, 15 thousand rubles. – Visa Gold;
- maximum interest rate – 25%;
- receiving cash in 170 countries;
- developed network of ATMs across Russia – 350 devices;
- medical and travel insurance assistance.
- loan rates – from 29% to 40%, depending on the category of the borrower;
- cash withdrawal without commission from partner banks and credit institutions;
- card issue – from 1 hour to 2 days;
- interest-free period – 50 days;
- individual insurance;
- issue of an additional card;
- special conditions for salary clients and employees of the bank’s partner companies;
- “Discounts for You” program when purchasing tourist products using a card, paying in shops and restaurants.
- credit limit – up to 2 million rubles;
- currency – US dollars, euros and rubles;
- interest benefit – 50 days;
- annual rate – 22%;
- annual maintenance of the Privilege service package – 24 thousand rubles;
- monthly withdrawal limit – up to 1 million rubles;
- Priority Pass service – unlimited access to business class lounges at all airports around the world;
- discount program – discounts from 20 to 40% from bank partners;
- two additional cards – free;
- issuance of an additional Visa e-@cord card for online purchases;
- changing the PIN code at an ATM.
16. Bank of Moscow – means of payment “Low interest”:
- funds limit – up to 350 thousand rubles;
- loan rate – from 29.9% to 36.9%;
- interest-free period (also for cash withdrawals) – up to 50 days;
- “My Bonus” Cash Back – up to 3%;
- two additional cards – free;
- special fares for travel around Moscow and the region;
- discounts from bank partners - up to 15%;
- free opening of a card with PayPass – payment without a PIN code.
- loan limits - up to 15 thousand rubles;
- auto repayment service – free of charge;
- main purpose – everyday shopping;
- for monthly contributions of more than 10%, no interest is accrued on expenses;
- making a decision in 5 minutes;
- grace period – up to 2 to 24 months.
18. UralTransBank –
Which credit card is better? Hundreds of thousands of Russians ask this question every day. It is worth noting that a credit card is issued not only by those who urgently need money and who have small salaries, but also by that category of citizens who have enough money, but the flow of funds is unstable (among such categories of citizens are entrepreneurs, TOP managers), Therefore, taking out a loan from a bank in 1 second is a very profitable event, because it allows you to avoid standing in queues, not having to coordinate a lot of documents, and not looking for guarantors. In this case, the amount of the credit limit can be from 15,000 to 300,000 rubles, depending on the bank and conditions.
Which credit card is better?
To choose the best credit card, let's take a look at the terms and conditions that banks offer on their credit cards. It’s worth noting right away that servicing such cards is usually free, since banks are interested in ensuring that their credit cards do not once again burden their owners.
Ideal credit card should bring maximum benefit to its owner, including in those categories in which expenses are greatest.
Before you begin to determine the best credit card, you need to highlight criteria by which it will be considered the best for different people:
Annual card maintenance– this is the main parameter when choosing a profitable card. “By default,” everyone would like to have a card without an annual service, but it happens that a card with a paid annual service can still be profitable and interesting, provided that the card has certain conditions that can easily recoup the cost of service.
Cashback accrual. Now it is difficult to imagine bank cards for which the bank would not install a cashback function, but the amount of cashback and the conditions for receiving it differ in each bank.
Grace period. For credit cards, an important role is played by the grace period, which can be “fair” or “unfair”, whether it applies to cash withdrawals or not, as well as an important parameter – the duration of the grace period. The longer the grace period, the more profitable the card.
Cash withdrawal fee. A profitable card is mainly sought by those who plan to withdraw cash, because such a parameter as the commission for cash withdrawal plays a very important role and is quite expensive when using a credit card to withdraw cash.
Commission for additional services. Additional services include SMS notifications, topping up a card from another bank, transfers to other banks, including from card to card, and so on. In some banks, these services are absolutely free, while in others they may charge a fee for this.
Possibility of payment abroad. Some banks block a means of payment when crossing the Russian state border; these are Alfa-Bank cards. Others require mandatory advance notice of intent to withdraw funds in other countries, such as Citibank.
When choosing a specific credit card, please note that while receiving benefits under one condition, the client may overpay under another.
For example, some financial institutions issue cards with a loan limit with a long grace period - up to 100 days. At the same time, significant commissions are provided for withdrawing funds from ATMs of other credit institutions.
Refuse to issue a card if the contract does not specify the rate.
It will be quite difficult to close such a loan, since the bank will be able to set a new interest rate on the loan. The borrower will fall into debt bondage, paying arrears on payments made and fines. If you propose to conclude an agreement without reflecting the specified condition in the contract, file complaints with the court and the Central Bank of Russia.
If you are the owner of a plastic card, ask the bank about the conditions under which credit cards are offered. Typically, banks offer reduced loan interest, free servicing and other benefits for clients participating in the salary project.
For borrowers who can provide the bank with a minimum of documents and need money urgently, loan conditions are not the most favorable. High interest rates, commissions for issue and withdrawal, hidden insurance deductions - this is an incomplete list of bank services for this category of clients. However, the failure rate is quite low. Due to these conditions, the bank covers the risks of non-repayment of loan funds provided for almost every application.
Please note the early repayment clause.
Some financial institutions impose a moratorium on refunds before the due date. Others charge significant fees for each payment.
Inflated rates and significant fines for each day of delay are also typical for credit products with instant disbursement. Cards are often issued online on the bank’s website. This method is suitable for those whose credit history is damaged. A number of credit institutions do not check data on the client’s history of repayment of loans from other banking institutions. However, for others, the main reason for quickly issuing a positive response is the client’s impeccable reputation in the lending industry. Decide for yourself which bank’s credit card is better to apply for: with instant issue and high interest rates or an average interest rate, but a long period for the bank to make a decision.
Which credit card is better to choose?
For those who need credit without leaving home
Among means of payment with fast processing and delivery throughout Russia Tinkoff cards are considered. You can order a card via the Internet. Within 24 hours, a manager will contact you, clarify all the details and schedule a courier to leave at a place and time convenient for YOU. Minus cards- high interest after the grace period expires.
For travelers and people who are often sent on business trips
Citizens whose work involves private business trips or who are simply travelers are recommended to purchase cards with bonuses for flights. This category includes, for example, a map Alfa-Miles from Alfa-Bank or All Airlines from Tinkoff Bank. By paying for tickets with plastic, borrowers receive bonuses. Once you have accumulated a certain number of points, you can use them to improve your class of service at airports and make flights.
For those who value a long grace period on a loan
Most banks offer only 50-55 days of grace period on the loan. Alfa Bank offers cards “100 days without interest” - the only plastic on the market with a long one-hundred-day grace period. The card always has such a long grace period, and not just the first time, like the Supercard or Avangard credit card. Credit limit up to 300,000 rubles.
Card conditions:
credit limit - up to RUB 750,000
- cost of service - from 4990 rubles. in year
- can be connected to Apple Pay or Samsung Pay
For those who want to withdraw money from a credit card without interest
At the moment, no credit card provides such opportunities. Alfa-Bank has a cash withdrawal rate of ~5.9%.
Credit card with minimal interest on the loan
Leader among other cards - Momentum from Sberbank. The disadvantage of this proposal is small grace period. Ideal for those who need the amount for a short period of time “before payday”.
Credit card with cashback. Which is better
In this segment, it is worth paying attention to the BinBank credit card - Platinum. The grace period is 55 days. The average credit card amount is 50,000 rubles. Cashback on one selected product category 5%.
Personally, I use it to pay for fuel for my car, because I get both a discount from gas stations and cashback from the bank. The card itself, if there is a turnover of funds on it, is free.
Today, credit cards have become a very popular banking service. It’s so convenient: you can buy new boots (or, for example, summer tires) now, and pay for them gradually over a couple of months. In this case, you don’t have to go to the bank, apply for a loan, and you don’t even have to pay interest!
You can just look rating of banks by credit cards and choose the card offer that suits you. As a rule, you don’t even need to go to the bank’s office; you can apply for a card online on the website of the bank you are interested in.
After all, banks, competing for customers, are offering more and more profitable card options: the credit limit is growing (and if you have a good credit history with this bank, then special conditions will apply to you), the interest-free period is also encouraging, because more and more it is at least one and a half to two months. Moreover, you will not need to repay the entire amount at one time; it is enough to make minimal contributions and the interest-free period will begin again.
Rating of credit cards by popularity
The second most popular proposal belongs to the Bank of Moscow. The credit limit there is even more impressive and can reach seven hundred thousand, and the interest-free period is 50 days. In addition, the bank offers Cash Back on this card. up to 5% of the cost of the goods.
The third most popular offer belongs to Citibank. The credit card from this bank contains PayPass technology, which allows you to make contactless payments. The bank offers its clients up to three hundred thousand rubles and an interest-free period of 55 days. The top ten also includes another offer from Citibank. The only difference here is that there will be no PayPass, but you will be able to use Cash Back, which is also up to 5% of the purchase amount.
Let us note another offer from Tinkoff, the Kanobu card, with which you can use a credit limit of up to seven hundred thousand rubles with an interest-free period of up to 55 days.
Another interesting offer is the “Zapaska” card from SKB Bank. With it you can get up to three hundred thousand, The grace period will be up to 50 days. The application for the card is processed very quickly.
Sovereign Bank invites its clients to take advantage of what is essentially a two-in-one offer. With a classic visa, you can not only make purchases with your own funds, but also take advantage of a credit limit of up to three hundred thousand with a grace period of up to fifty days.
You can also consider a credit card from Leto Bank. True, the amount of the credit limit on it is not too large and amounts to no more than one hundred thousand, but the grace period is valid for up to two months, and if you are not ready to return the money upon its completion, then the interest rate will also be quite lenient, up to 20%.
Rating of credit cards with Cash Back
Many bank clients today are interested in receiving a credit card with the possibility of returning a certain percentage of the purchase amount. Agree, it’s very convenient: you buy and at the same time pay off the loan, albeit partially. What banks provide cards with this service?
Cash Back on a Bank of Moscow card is 3%. Otkritie Bank offers similar figures to its clients.
Rosselkhozbank and AkBarsBank have an interesting offer, which are ready to return three to five percent of the purchase amount to the card.
Other banks offer even lower Cash Back percentages. For example, Avangard Bank has an offer for a credit card with Cash Back in the amount of 1%. Home Credit offers its credit card users a 2% return on the purchase amount.
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