Which credit card is the most profitable: owner feedback, interest and features

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

Symptoms of a profitable card

Which credit card is the most profitable? The testimonies indicate that it is necessary to be guided by several signs to determine the appropriate banking product. They include:

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

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

№ 1 - "Tinkoff Bank"

Which bank 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 references from the workplace. 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. It includes a bonus program "Bravo", thanks to which you can get bonuses for purchases up to 30% on special offers. These are large online stores, a network of cafes, restaurants. On the other purchases cashback is equal to 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 has the name "Balance transfer". Thus the client receives 90 days of the grace period. It turns out that for 3 months, there will be no accrual of interest.

The rate may differ depending on whether cash is used (from 32.9%) or purchases are made (from 24.9%). The limit is equal to 300 thousand rubles. You can repay the debt through any banks. To obtain a loan, no certificates and guarantors are needed.

№ 2 - "Alfa-Bank"

This is also an advantageous credit card. The reviews confirm that Alfa-Bank offers good conditions. Clients are offered a grace period for 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 withdrawing cash. The limit can reach 300 thousand rubles. The rate starts at 24.9%, but is set individually for each client. The maintenance fee depends on the type of card.

№ 3 - Touch Bank

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

From each purchase will be charged more than 1%. The bank constantly operates shares, for which it will be possible to earn points in the form of real money, if you fulfill specific conditions. For example, spend or perform certain operations. The service will be free if you actively use the card, and also keep your money in the bank. For the design of plastic, you need to leave an application on the site, and also wait for the solution. The card comes in a few days by courier delivery.

№ 4 - "Mail Bank"

Given the length of the grace period, which credit card is the most profitable? The testimonies testify that it is possible to issue it in the "Post Bank", because there the interest is not accrued for 120 days. That is why many people choose it.

The card is beneficial for purchases on the Web. If you buy something on the Internet for the amount of 7 000 rubles, then a free "package of online buyer" is connected. The service involves protecting the purchase.

№ 5 - "VTB Bank of Moscow"

Given the service charge, which credit card is the most profitable? Reviews borrowers show that you can teach plastic from the VTB Bank of Moscow, because it is free in the first year. Customers are invited to participate in the bonus program, where you can get up to 10% for purchases.

The rate is from 29.9%. The interest-free period is valid for 50 days. Reception it extends to the withdrawal of cash. The limit is equal to 350 thousand rubles. Cashback is up to 3%. Customers have the opportunity to receive discounts from partners.

№ 6 - "Renaissance Credit"

Which credit card is best to choose if you are interested in an advantageous service? The fee is not taken in the "Renaissance Credit." Customers become participants of the bonus program, which allows you to earn points up to 10%.

For registration of a card it is enough to leave an application on the site, after which you can wait for a solution. Limit on plastic will be up to 150 thousand rubles. Grace period is valid for 55 days. The limit is renewable when the loan is repaid. The percentage is assigned to each client individually.

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

What is required for registration?

What kind of credit card and in which bank is best 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 advantages.

To issue a banking product, you need to go through the following steps:

• Submit an application;
• Present a passport;
• Provide an additional document, for example, SNILS.

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

Features of reception

Registration is carried out without references and guarantors. Many banks evaluate the credit history, and do not require insurance. The credit card accrues interest for the full amount.

Often banks offer registered plastic, on which there is a limit and a certain percentage is set. Such banking products are issued to regular and new customers. Release it from a few days to a month.

Online registration

Many credit institutions offer to issue cards via the Internet. It is necessary to visit the official website by writing your data. An online customer can apply to several creditors, and after approval to conclude a contract with one.

Design with the help of the Internet has the features:

• Consultation is provided online and by phone;
• Convenient registration of the application;
• 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.

The cards are registered and unnamed. The first type is considered the best, because 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 about leaving Russia.

If the contract does not specify the interest rate, then it should not be formalized. In this case, the bank can change it, and overpayment will be great. It is advisable to apply to an institution that has already dealt with, or from which a salary card operates. Regular customers are usually offered more favorable terms.

If you require a minimum of documents, the conditions for such a loan are usually not beneficial to the client. There can be a high rate, paid services, compulsory insurance. If the funds are needed for a short period, you should learn about the possibility of early repayment, because then you will save on interest. And in some banks, early payment leads to the imposition of fines. Large bets, large fines usually apply to loans with instant issuance.

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

Before making a credit card, you need to review the reviews of the bank product. When signing a contract, you should specify information about payments, additional services, rates. It is not superfluous to have a service for notifying about payments, which is necessary to protect against delinquencies. With the receipt of the card payments must be made in a trusted online store.

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

Loan payment

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 paid, which must be no less than the monthly minimum set.

Funds are usually credited within 1-5 business days, depending on the method. Repayment is carried out in the same way as with a normal loan. It consists of principal and interest. If the timely payment of arrears, then to such customers the bank offers more favorable terms for its services.