Top 10 Credit Cards

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

Options with a good interest-free period, profitable service and bonuses.

What is a credit card

This is a card linked to a credit account. With its help, you can use the bank's borrowed money now, and pay off the debt later.

What are the criteria for evaluating credit cards?

It is impossible to choose the best deals without comparison. And this can be done only if you define the criteria by which the cards will be evaluated.

• Grace period - the period during which interest on the debt will not be accrued. But for this you need to make the minimum monthly payments. We will also consider their size as a criterion. Although it is much more profitable not to pay a minimum, but to fully repay the debt in an interest-free period.
• Interest rate.
• Maintenance cost.
• Credit limit - the maximum amount that you can borrow.
• Cash withdrawal cost. A percentage is often charged for this.
• Cashback - some banks return part of the money spent on a credit card.

It should be noted that numbers are generally preceded by the preposition "from" or "to". This is due to the fact that we are talking about a loan. Therefore, the conditions for a particular client depend on his income, package of documents, credit history and other criteria. Banks do not disclose which ones in order to avoid fraud. However, be prepared for the fact that the conditions may not be exactly the ones indicated on the promo page.

As an additional condition, we assessed the bank's reliability and its position in the ratings of the Bank Ratings. Another criterion is the availability of credit card information on the site. It is clear that the final figures are calculated individually. But the games of "leave your number, and then we will annoy you with calls" should not be supported.

Before applying for a credit card, you should figure out how it works. The card can become a lifesaver or drive you into debt - it all depends on you.

Which credit cards are most beneficial

This is not a rating, but a list, so the order of the proposals does not matter.

1. "100 days without interest" from Alfa-Bank

• Grace period: up to 100 days.
• Minimum payment: 3-10% of the debt, not less than 300 rubles.
• Maximum credit limit: up to 50 thousand upon presentation of a passport, 200 thousand for two documents, 1 million if you add an income statement to them.
• Service cost: 590–1 490 rubles per year for Standard and Classic tariffs, 2 990–3 490 - for Gold, 5 490–6 490 - for Platinum. The final price depends on the package of services and the availability of an Alfa-Bank debit card.

The advantage of this card is that it can issue up to 50 thousand rubles in cash per month without commission. 5.9% will be deducted from the amount in excess of this, but not less than 500 rubles for Standard and Classic tariffs, 4.9% (but not less than 400) for Gold and 3.9% (but not less than 300) for Platinum. So if you need bills from time to time, this is not a bad option.

With a long grace period, the interest rate starts from 11.99% for amounts spent on goods and services, and from 23.89% for cash withdrawals.

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2. "I want more" from the "Ural Bank for Reconstruction and Development"

• Grace period: up to 120 days.
• Minimum payment: 1% of the debt.
• Maximum credit limit: up to 700 thousand.
• Maintenance cost: 99 rubles per month. The first six months are free if you register in the mobile application.

The interest rate ranges from 12% to 27.7% per annum. But withdrawing cash is not very profitable: you have to pay 5, 99%, but not less than 500 rubles. So it's better to use this card only to pay. They also promise cashback for purchases: 1% for everything, 2% for catering, the purchase of household appliances and goods for home and repair.

3. "110 days without%" from Raiffeisen Bank

• Grace period: up to 110 days.
• Minimum payment: 4% of the debt.
• Maximum credit limit: up to 600 thousand.
• Service cost: 150 rubles per month or free for card transactions from 8 thousand rubles.

The interest rate for payment for goods and services starts at 9.8%. But for cash withdrawals, transfers to cards and quasi-cash operations (withdrawal to an Internet wallet or payment for lottery services) it is much higher - 49%. In the first two months, you can withdraw cash for free without a limit, then up to 50 thousand. If it is more, you will have to pay a commission of 3% of the transaction amount plus 300 rubles.

4. "Map of opportunities" from VTB

• Grace period: up to 110 days.
• Minimum payment: 3% of the debt.
• Maximum credit limit: up to 1 million.
• Maintenance cost: free.

The rate on purchases - from 14.9%, on cash withdrawals - 34.9%. At the same time, you can withdraw up to 50 thousand rubles a month without commission. If the limit is exceeded, you will have to pay 5, 5% of the amount, but not less than 300 rubles.

And there is also a cashback - 1.5% of all purchases and up to 20% if they are made from partners of the program "". But this option is paid, it can be activated when the card is issued for 590 rubles per year.

5. MTS Cashback from MTS Bank

• Grace period: up to 111 days.
• Minimum payment: 5% of the debt, but not less than 100 rubles.
• Maximum credit limit: up to 1 million.
• Maintenance cost: free in the first two months, then - if you spend more than 8 thousand. Otherwise, 99 rubles.

The interest rate is 11, 9-25, 9%. For withdrawing cash on credit, you will be charged 1.9% of the transaction amount, but not less than 699 rubles.

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6. "Opencard credit" from "Otkrytie"

• Grace period: up to 55 days.
• Minimum payment: 3% of the debt, but not less than 500 rubles.
• Maximum credit limit: up to 500 thousand.
• Maintenance cost: free. For issuing the card, they will take 500 rubles, which will be returned after the total spending on the card is 10 thousand.

The interest rate is 13, 9-29, 9% per annum, for cash withdrawals they take a commission of 3, 9% plus 390 rubles. The short grace period is compensated by free service, which makes this card a good option just in case. In addition, they promise cashback up to 2%.

7. "Tinkoff Platinum" from "Tinkoff"

• Grace period: up to 55 days for any purchases, up to 120 days for repayment of loans from other banks.
• Minimum payment: up to 8% of the debt, is determined individually.
• Maximum credit limit: up to 700 thousand.
• Maintenance cost: 590 rubles per year.

The interest rate for spent on purchases is 12-29.9% per annum, for cash withdrawals and transfers - 30-49.9%. For receiving banknotes from an ATM, a commission of 2.9% of the amount plus 290 rubles is charged. From the pleasant there is a cashback: 1% for any purchases and 3-30% for special offers of the bank. Bonus points can be used to refund money for train tickets and spending in cafes at the rate of 1 point = 1 ruble.

8. "Smart card" from "Gazprombank"

• Grace period: up to 62 days for any purchases.
• Minimum payment: 5% of the debt, but not less than 500 rubles.
• Maximum credit limit: up to 600 thousand.
• Service cost: free of charge when spending from 5 thousand per month or salary from 15 thousand on a bank card. Otherwise, 199 rubles per month.

For salary clients, there is one percentage rate for everything - 25, 9%. For the rest - 27.9% for purchases and 32.9% for cash withdrawals. The commission for the latter is 2.9% plus 290 rubles.

Moreover, there is a bonus program. You can get cashback or miles to choose from. Cashback of 10% is credited to the category in which you spent the most this month. It is detected automatically.

9. "Just a Credit Card" from Citibank

• Grace period: up to 50 days for any purchases, as a promotional offer from the date of opening the card - 180 days.
• Minimum payment: 5% of the debt, at least 300 rubles.
• Maximum credit limit: up to 450 thousand for new clients, for old ones - it can be increased.
• Maintenance cost: free.

Interest rate - from 20.9% to 32.9% per annum. But cash withdrawals are free. And they also promise discounts from partners.

10. "Credit SberCard" from Sberbank

• Grace period: up to 60 days for any purchases.
• Minimum payment: 3% of the debt, but not less than 150 rubles.
• Maximum credit limit: up to 1 million.
• Maintenance cost: free.

An up-to-date card for difficult times: the rate for paying for medical services and purchases in pharmacies and SberMegaMarket is from 9.8%, for everything else - 17.9%. You can also get up to 30% bonuses in the "SberSpasibo" bonus program. But it is better not to withdraw cash. For them, a commission of 3% is valid, but not less than 390 rubles, and there is no grace period. So this card is only suitable for shopping.

This article was posted on July 31, 2020. In August 2021, we updated the text.