12 best credit cards with a grace period
Almost all adult population of our country successfully use credit cards. Banks are developing more and more interesting profitable products. These include cards with a grace period. They assume that the client can use borrowed funds without paying interest. In some banks, this period starts from the moment of receiving a credit card on hand, in others - from the date of the first transaction. Some financial institutions record the specific date of the month, indicating the end of the grace and payment periods.
There are a lot of offers today, so choosing the most suitable one is not easy. You can rely on the opinion of friends and acquaintances. We offer the best alternative by presenting 12 credit cards in the rating with a grace period in the opinion of financial analysts and regular users of such products.
Rating of the best credit cards with a grace period
| Nomination | a place | credit card | rating |
| Rating of the best credit cards with a grace period | 1 | “100 days without interest” - Alfa-Bank | 5.0 |
| 2 | “120 days without interest” - Ural Bank for Reconstruction and Development | 4.9 | |
| 3 | Element 120 - Mail Bank | 4.8 | |
| 4 | "110 days" - Raiffeisenbank | 4.7 | |
| 5 | Platinum - Tinkoff Bank | 4.6 | |
| 6 | “100+” - Promsvyazbank | 4.5 | |
| 7 | “Everything is possible” - Rosbank | 4.4 | |
| 8 | Platinum - Russian Standard Bank | 4.3 | |
| 9 | Golden Card - Sberbank | 4.2 | |
| 10 | “Installment plan for everything” - Eastern Bank | 4.1 | |
| 11 | “Just a credit card” - City Bank | 4.0 | |
| 12 | "Credit Card" - Renaissance Credit | 3.9 |
“100 days without interest” - Alfa-Bank
Rating: 5.0
The first place is occupied by the card, which combines all the necessary conditions for advantageous use both during the grace period and after it. The application is processed quickly, and the current customers of the bank receive a response in a few minutes. Registration is available to citizens of the Russian Federation with an income level of at least 5000 rubles. per month. If desired, you can order the delivery of the finished plastic carrier to the house.
The interest-free period is valid for 100 days. During this time, you can make purchases, pay for services and withdraw cash. Restriction: free - 50,000 rubles per month. The maximum limit depends on the card status. In case of faithful fulfillment of obligations, it may be increased at the discretion of the bank. At the end of the grace period, the rate starts at 23.99% per annum. The mobile application and Internet banking allow you to perform any online transactions and always monitor your account balance.
The disadvantages include the absence of bonuses for purchases. But the pluses cover this drawback. Borrowers, first of all, allocated a long grace period for all types of operations, including cash withdrawals, a large limit, the optimal interest rate, quick decision making, and free depositing in various ways in any region of the country. Additional information is available on the website or by phone number: 8800200 00 00.
“120 days without interest” - Ural Bank for Reconstruction and Development
Rating: 4.9
The second place in the rating is given to a credit card with 120 days of interest-free use. This period is renewed again with full repayment of debt.When the requested amount is not more than 100,000 rubles, only a passport of the Russian Federation will be required. Borrower age: from 19 to 75 years. The maximum limit - 300000 p. The card is instant, so after a positive response, you can receive it on the same day in the nearest bank branch or order home delivery. Release and annual maintenance are free.
Cashback on all purchases is 1%. Little, but nice, but the amount of return per month and year is not limited. Grace period applies to all operations. Cash can be withdrawn both in its own and in third-party ATMs. Internet banking and mobile apps are free to use. Convenient options allow you to track the status of the account and do not forget to make payments on time.
Holders noted that without confirmation of income, the interest rate starts at 31%. If you provide the relevant document, it will be significantly reduced. The card features are appreciated by many customers. The grace period is one of the longest in the financial services market. Getting a card on the same day is a definite plus for those who urgently need borrowed funds. Toll free number: 8800100 02 00.
Element 120 - Mail Bank
Rating: 4.8
On the third line of the rating is a credit card with 4 months of grace period. The bank has recently started its activities, but has already managed to offer profitable financial products that are available to any categories of citizens, including pensioners. The application is made online. You can get a ready card at any post office or bank office. The available limit is up to 1,500,000 rubles. It is calculated based on the individual assessment of the borrower.
At the end of the grace period, interest is charged on 27.9% per annum. If the borrower does not have time to return the full amount in 120 days, then 22.9% will have to be paid for the outstanding debt. Points for purchases are not accrued. Cash withdrawals at ATMs of the Bank Post or VTB Group are free of charge. In third-party terminals, 5.9% will be charged for the service.
Customers noted fast processing, the ability to renew the interest-free period after timely repayment of debt, protection of Internet purchases from loss and damage, change the date of mandatory payments at its discretion, one of the largest maximum limits among similar offers. Phone number, toll-free for all regions of the Russian Federation: 8800550 07 70.
"110 days" - Raiffeisenbank
Rating: 4.7
The honorable fourth place in the rating goes to a credit card, which is recommended by both ordinary holders and financial market analysts. It is immediately processed and after receiving it at the bank’s office, she can pay for any purchases without interest. The service is free when spending at least 8,000 rubles. per month. If this condition is not met, then 150 rubles will be withdrawn from the account. The limit is set after assessing the customer's payment solvency. The amount varies from 15,000 to 600,000 rubles. A small limit does not require proof of income.
The minimum payment is at least 4% of the amount already spent. For purchases, bonuses are charged, which can be up to 30% when contacting partner companies of the bank. The card provides contactless payment technology. Mobile application is also available. After the grace period, the rate starts at 29%.
Borrowers were satisfied with the conditions provided. Additional documents except for the passport of the Russian Federation is not required. When you provide an income statement, you can reduce the interest rate. Also a plus was given the optional registration in the region of circulation and receipt of the card. Operators will answer any interesting question by number: 8800770 75 62.
Platinum - Tinkoff Bank
Rating: 4.6
The fifth line of the rating is a credit card, the benefits of which are appreciated by many borrowers. The first and undoubted advantage is getting the finished plastic carrier in any convenient place without visiting the offices of a financial institution. Online application is processed instantly. Upon receipt, you need only a passport of the Russian Federation.The maximum possible limit is 300,000 rubles. The grace period is valid for 55 days. Moreover, the repayment period for loans in other financial organizations is extended to 120 days.
When purchasing goods and services in partner stores, installments reach 12 months. The interest rate after the grace period starts from 12%. Account replenishment is carried out free of charge by cash payment or transfer from other cards. Withdrawals are possible at any ATM, but this service is paid. The mobile application is considered one of the best and most understandable even to inactive users. Through it you can control the account and make any payment.
According to the reviews, the card is very beneficial for various operations. Funds can be used to close debts in other banks with higher interest rates, make any purchases by installments. The downside is the withdrawal of the fee for receiving cash. 24-hour phone number: 8800555 77 78.
“100+” - Promsvyazbank
Rating: 4.5
The sixth place in the rating is given to a credit product that offers 100 days of interest-free use. The grace period is renewed with the complete closure of the debt. Mandatory payment in time of 100 days is 5% of the amount spent. The maximum limit is 600,000 rubles. Borrower age: from 21 years. When making up to 100,000 p. you only need a passport of the Russian Federation, with a larger amount requires a permanent registration in the region of the bank location, work experience of at least 1 year and 2 contact phone numbers.
Interest rate - from 26.5%. Mobile application is very convenient to use. Updated online banking allows you to always be aware of their financial affairs and perform any operations without leaving home. Maintenance cost - 1190 rubles. per year.
Customers noted that the countdown begins with the first purchase, and not from the day the card is received. The bank does not set the obligatory amount of expenses, so the client can use borrowed funds every month without thinking about restrictions. They also highlighted the possibility of issuing a card with an individual design. This service will cost just 333 rubles. Any question can be asked on the website or by number: 8800333 03 03.
“Everything is possible” - Rosbank
Rating: 4.4
A popular credit card “Everything is possible” is on the seventh line of the rating. Its limit differs from many other offers and can be up to 1 million rubles. The application is sent online. The answer does not have to wait long. If the decision is positive, the finished card is issued in 3-5 days at the office of the financial institution. The grace period includes 62 days of interest-free purchases. This also applies to cash withdrawals.
The rate starts at 26.9% per year. Upon receipt of funds at hand through ATMs, 4.9% of the amount is withdrawn, but not less than 290 rubles. The cash withdrawal limit is 500 thousand rubles. per day. If the turnover of funds for 12 months amounts to 180,000 rubles, then the maintenance fee is not charged, if less than this amount, then 890 rubles. Cashback is set at 1%. When choosing a specific category of goods, it increases to 10%. Moreover, it can be changed at will on a monthly basis.
The card provides contactless payments. SMS informing is paid, amounts to 60 rubles, starting from the second month of using the credit. The borrowers pointed out that the grace period applies to all operations, and in good faith repayment of the debt, it is resumed. Contact phone number to connect with the operator: 8800200 54 34.
Platinum - Russian Standard Bank
Rating: 4.3
The eighth place in the ranking is occupied by a credit card, which has become one of the most popular financial products of the bank. Every citizen of the Russian Federation who has reached 21 years old can receive it. The maximum limit amount is 300,000 rubles. You can use the card not only in our country, but also abroad. Cash withdrawals are available at all ATMs in the world. The grace period is 55 days. Further, the interest rate is set at a rate of 21.9%. Service is 499 rubles. per year.
The card provides the opportunity to purchase any goods in installments. Her term is up to 12 months. When contacting partners of the bank, cashback reaches 30%. Depositing funds is possible by any means convenient for the client. The service is free. Mobile and Internet banks expand user experience to conduct transactions and control account online. For their connection and use of the commission is not charged. Contactless payment provided.
According to the reviews, the whole process from the application to receiving the card on hand does not take much time. If you wish, you can arrange its delivery by courier to the apartment. The bank is loyal to borrowers, a large package of documents is not required. You can call from all regions of the Russian Federation toll free: 8800200 62 00.
Golden Card - Sberbank
Rating: 4.2
The ninth line of the rating is a credit card, the conditions of which are satisfied by many categories of borrowers. A request is sent via online communication and a response is also sent. 100% approval is given to payroll and debit card holders. Registration takes several minutes. The limit is up to 600,000 rubles. For service fee is not charged. The client can make purchases, return borrowed funds and renew the grace period within 50 days. It does not apply to cash withdrawals.
The rate is set based on the assessment of the borrower, and starts at 23.9%. You can make transactions through a mobile application or online banking. For purchases returns cashback. The bonus program “Thank you” is recognized as one of the best promotional developments for the client. Points can pay for purchases and services in the expanded network of partner companies.
According to reviews, a credit card is convenient for non-cash payments, where you can significantly save money and return some of the money spent. The release of plastic media is fast, the account is simple and affordable, monthly information about the balance and amount of the next payment comes via SMS. You can get detailed information about the “Golden Card” by calling the toll-free number for all mobile phones in Russia: 900.
"Installment for all" East Bank
Rating: 4.1
The top 12 best credit cards of our rating included a banking product that offers a grace period of up to 90 days of interest-free use of borrowed funds. Such transactions include purchases of goods and services, as well as cash withdrawals. Application can be sent online. The limit is up to 300,000 rubles. The minimum amount of 55 thousand rubles. may be increased by following the contractual terms in good faith.
For registration up to 100,000 rubles. will require only a passport of the Russian Federation. If the borrower is already 26 years old, then to provide a large income certificate will not be required. For the issue of the card is removed 1000 rubles. The rate starts at 28.9%. When receiving cash on hands through an ATM, a commission is taken. Bonuses for purchases are not provided. Free payment technology is carried out.
Among the advantages were the possibility of issuing an additional card to yourself or a person who has reached the age of 14, free connection and use of the Internet and mobile banks, a large grace period. For the recommendation of the bank to friends and for each new customer 1000 bonuses are credited to the account. Call the help center and find out more information by phone: 8800100 71 00.
“Just a credit card” - City Bank
Rating: 4.0
On the eleventh line of the ranking is a credit card, which will appeal to those who prefer non-cash payments, and those who need to receive cash on hand. After sending the application the answer comes within a few minutes. The maximum limit is set at 300,000 rubles for new customers. Debit card holders can count on the amount of up to 1,000,000 rubles. The interest-free period lasts 50 days.
The rate starts at 20.9%. Cash can be withdrawn at all ATMs in the territory of the Russian Federation without limiting the amount and no fees.The customer does not have to pay for card service. In case of delay of obligatory payments there are no penalties. For non-cash purchases bonuses of up to 20% of the amount are returned. A special application allows Muscovites to pay for public transport. The cost of the service is 65 rubles. per month.
The undoubted advantages include the fast online issuance of the card and the various methods of obtaining: at the bank office, post offices or via courier. The downside was that the borrower's income should be at least 30,000 rubles. per month, and it must be documented. Operators will answer any questions on the number: 8800700 38 38.
"Credit Card" Renaissance Credit
Rating: 3.9
We complete the rating with a credit card, which can be obtained immediately after approval at any nearest branch of the bank. They are located in all major regions of the country and today there are more than 150 of them. There are no fees for processing and servicing fees. The maximum limit is 200,000 rubles. The client must provide the passport of the Russian Federation and the second document confirming the identity. The grace period is 55 days. After closing the debt, it resumes. At the end of the second term, the rate starts at 24.9%.
Cash withdrawals are paid and amount to 2.9%. The bonus program involves the accrual of points for purchases from partner companies of a financial institution. They can reach 20% of the amount spent. Cash depositing is possible at any ATM in the country. It is also possible to replenish the account in various convenient ways.
Customers noted a clear mobile application through which account control and online transactions take place. Many noted that this is one of the best quick credit offers with an instant card on the day of application. An extended package of documents is not required. Contact phone number: 8800200 09 81.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
