15 most profitable credit cards

A credit card in skillful hands is a very powerful and convenient financial instrument that helps to make purchases without overpaying and losing inflation, improving their “history” and rating in banks (which will be useful in the future, for example, when opening a mortgage account), and just to live within our means, but not deny yourself anything. But this requires not only financial literacy. For a "credit card" to be useful, it must also be profitable.

Therefore, we have compiled a rating of 15 of the most profitable credit cards that are both useful, convenient and with low interest rates.

How to choose a credit card

Now almost every bank offers its own credit card - with different conditions, requirements for the borrower, advantageous features and not too positive features. Therefore, choosing the right product can be quite difficult.

The best credit cards with the maximum grace period

The main advantage of almost all “credit cards” is the availability of a grace period (the so-called “grace”). During this time, the bank does not charge interest on borrowed funds, and it can be both purchases and cashing.

Perhaps the best credit card with the maximum grace period is Alfa Bank "100 days without interest." A grace of 100 days starts from the moment of purchase or cashing and is exactly 100 calendar days - regardless of the number of accounting periods between them. You can make a purchase or withdraw cash on any day of the month (at the beginning or at the end) - and still get a grace in those same 100 days.

Other good credit cards with a maximum grace period:

1. Ural Bank for Reconstruction and Development (UBRD) offers a grace grace of up to 120 days - or four payment months, whichever comes first. It is better to make purchases or withdraw cash in the first days of the month, then the grace will be exactly 120 days, not 100, as with a purchase at the end of the month;
2. Raiffeisenbank "110 days without interest" offers the same mechanisms for calculating the grace. It is ideally suited for shopping lovers, because with spending operations more than 8,000 rubles a month, the service is free. Cash withdrawal is also possible and grace also applies to them;
3. "VTB24" "Multicard" offers grace in 101 days for cash withdrawal and purchase, but with some commissions;
4. "Surgutneftegazbank" "Loyal Plus" offers a grace of up to 100 days for use in stores and cashing. It is well suited for residents of Zauralye, since in the European part of Russia this bank is practically not represented. It is worth considering that for its registration you will need to provide an income statement.

The remaining banks in the ranking offer a grace of 50-60 days, so it is worth paying attention to these.

Best Credit Cards for Major Purchases

For lovers of large purchases - household appliances, furniture, even cars - the classic "credit cards" are not enough. Much more interesting installment cards. They offer a long grace and a fixed amount of monthly payment, which depends on the conditions of the seller and the bank.

And the best installment card is “Halva”, produced by Sovcombank.Its main advantage is that it is accepted in a huge number of stores, and not only in Russia, but also in the near abroad. Installment of "Halve" can be up to 36 months, but in most cases it is equal to a year.

Other good installment cards:

1. "Conscience" from "KIWI Bank" also offers installments from 3 months to 3 years, but is accepted so far in fewer stores than "Halva";
2. Platinum from Russian Standard Bank offers installments of up to 10 months, but only in partner stores;
3. Platinum from Tinkoff Bank offers installments of up to 10 months, but only in partner stores;
4. Freedom from Home Credit Bank offers installments of up to 12 months, but only in partner stores.

The best credit cards for cash withdrawals

It should immediately make a reservation that a credit card is not the best banking product for those who do not need purchases, but cash. Most issuers offer rather unpleasant conditions for cash withdrawals.

However, several banks can boast the presence of "credit cards" from which you can withdraw cash without extra fines. First of all, it is Alfa-Bank with its “100 days without interest.” The grace period applies to cash withdrawals; when withdrawing from ATMs of a bank or its partners, no commission is charged, the only “but” is to withdraw up to 50 thousand rubles a month. For large amounts of commission still applies.

Other good credit cards for cash withdrawals:

1. "Multicard" from "VTB24" offers a grace of up to 101 days for cash withdrawals and the absence of a commission when withdrawing from ATMs in the first 7 days after issue;
2. “120 days without interest” from “UBRD” offers a grace up to 120 days when withdrawing from ATMs of the bank, but the commission for this operation will be 4% (but not less than 500 rubles);
3. “110 days without interest” from Raiffeisenbank offers a grace of up to 110 days without interest when withdrawing at ATMs of the bank, but the commission for this operation will be 3.0% plus 300 rubles.

Again, it is worth repeating that a credit card is an inappropriate banking tool for withdrawing cash. It is better to use a loan. The cash withdrawal from most banks in the rating is subject to a higher interest rate, as well as additional fees and other “penalties”.

Top low interest credit cards

It is immediately worth a reservation. The interest rate on credit cards at most banks varies depending on the client. For example, in the same Alfa-Bank, when making a “100 days without interest,” one borrower can receive a rate of 20%, and another - 40%. This is due to the credit history of a person, his financial condition and many other parameters.

1. The best interest rate is offered by VTB24 with its Multicard. It is from 10% per annum for bank customers.
2. Other good low interest credit cards:
3. "Platinum" from the bank "Tinkoff". The minimum interest rate is 12.9%;
4. “Just a credit” from Citibank. The minimum interest rate is 13.9%;
5. “100 days without interest” from Alfa Bank. The minimum interest rate is 14.9%;
6. “Freedom” from Home Credit Bank. The minimum interest rate is 17.9%;
7. "Loyal Plus" from the bank "Surgutneftegazbank". The minimum interest rate is 18%.

The remaining banks in the list offer an interest rate of 20% per annum.

It is worth considering that, again, the interest rate is a vague concept and it depends on the borrower. It is better to focus on the proposals not with a minimum percentage, but with a maximum grace.

Best Cashback Credit Cards

Cashback (cashback) is a refund from a part of the money spent on purchases in the form of, again, money. In general, this kind of discount, but only the saved finances can be completely “felt” or spent on something useless.

And the best card with cashback is “Halva”.Up to 6% of the spent money can be returned! However, only if it was spent on its own, not credit funds; and only if the purchase was made at a partner store. “Halvah” has a lot of partners, 150 thousand stores across the country, so cashback will be returned from almost every purchase.

But the best credit card with cashback - this is the “Multicard” from the bank “VTB24”. She offers a cashback of 2.5% on all purchases and 10% on purchases from favorite categories.

Other good cashback credit cards:

1. Loyal Plus from Surgutneftegazbank offers a cashback of 2% for all expenses and 10% for expenses from favorite categories;
2. Platinum from Tinkoff Bank offers a cashback of 1% for all expenses and up to 30% for expenses in partner stores;
3. Platinum from Russian Standard Bank offers a cashback of 1% for all expenses and up to 15% for expenses in partner stores;
4. “#On all” from Rosbank and Cashback from Vostochny Express Bank offer cashback 1% for all expenses and up to 10% for expenses in partner stores.
5. It is worth considering that many banks offer cashback not with rubles, but with their own points, which can then be converted into rubles or into purchases.

Top Credit Card Rating

Nomination	a place	credit card	rating
RATING OF MOST FAVORABLE CREDIT CARDS	1	Alfa Bank "100 days without interest" (Visa Classic)	4.9
	2	"Rosbank" "# One Can All (credit)" (Visa Signature)	4.9
	3	"Sovkombank" "Halva"	4.8
	4	Kiwi Bank Conscience	4.8
	5	Surgutneftegazbank "Loyal Plus" (Visa Platinum)	4.7
	6	Raiffeisenbank 110 days	4.7
	7	“Vostochny Express Bank” “Cashback” (Visa Classic)	4.7
	8	Ural Bank for Reconstruction and Development "120 days without interest"	4.6
	9	"Credit Europe Bank" Card Credit Plus	4.6
	10	Russian Standard Platinum	4.5
	11	"Sberbank" "Golden Card"	4.5
	12	Tinkoff Bank Tinkoff Platinum (Mastercard World)	4.5
	13	Citibank “Just Credit” (Mastercard Standard)	4.4
	14	“Home Credit Bank” “Freedom” (Visa Unembossed)	4.3
	15	"Credit multicard" "VTB24"	4.3

Alfa Bank "100 days without interest" (Visa Classic)

Rating: 4.9

Why is she: Grace is measured in calendar days, not in payment terms; free cashing

One of the most universal credit cards that are suitable for both purchases and cashing. Its main advantage is grace, measured in calendar days, and not in payment terms, as is often the case with various banks. For example, when buying something on January 1, interest on the use of credit funds will begin to accrue on April 11.

Other nice features of a credit card include the absence of a fee for cashing in Alfa-Bank's ATMs and its partners. In this regard, there is only one limitation. The maximum amount of cash withdrawal is 50 thousand rubles per month. For large amounts have to pay a commission. The service will cost 590 rubles annually.

The credit limit of the card is from 30 to 300 thousand rubles. With a loan of up to 100 thousand income certificate is not needed. May be issued on the same day. The percentage ranges from 14.9% to 39.9% per annum.

"Rosbank" "# One Can All (credit)" (Visa Signature)

Rating: 4.9

Why she: High cashback, transparent credit conditions, special offers for those who travel frequently.

This credit card is specially designed for travel lovers. For purchases on it, the owner receives the so-called Travel-bonuses, which can later be spent on booking hotels or air tickets. However, if you wish, you can switch the accumulative system to cashback (which is up to 10% in special categories and 1% to all other purchases), but not travel bonuses.

Grace is up to 62 days or two estimated dates. It applies only to purchases. In general, it is better not to withdraw cash on “#EnableAll" - besides the absence of grace, such an operation will have to pay a commission of 4.9% of the amount, but not less than 290 rubles.

The first year of service will be completely free. If the total turnover for this period exceeds 180 thousand rubles, then there will be no commission for the second year. Otherwise, it will be 890 rubles. Interest rate - from 21.4% per annum.

"Sovkombank" "Halva"

Rating: 4.8

Why she: A unique banking product, a lot of partner shops.

Halva from Sovcombank is different from other credit cards in the rating. It is poorly suited for everyday purchases and is not intended for cashing. “Halva” is an installment card that helps one hand movement to receive installments, respectively, when purchasing a product — and then repay it in equal installments.

The installment plan provided for it has a period of 3 to 36 months, depending on the conditions of the partner store. According to official information, more than 135 outlets throughout the country cooperate with Halva, where you can buy anything.

"Halva" is interesting and increased cashback. It can be up to 35% in partner stores, and the usual value is 6%. But when using their own, not credit funds. Also on the debit balance accrued interest - up to 7.5% per annum. The limit is up to 350 thousand rubles, the rate outside the grace is 10%.

Kiwi Bank Conscience

Rating: 4.8

Why she: Options basic installments for 10 months.

The “Conscience” installment card from Qiwi Bank is similar to the previous one in the list and is a similar financial instrument, but it has several subtleties. First and foremost, it is absolutely not suitable either for cash withdrawals or for purchases in stores that are not partners of the program.

However, it has a very important advantage - a paid option to extend the base installments. By paying from 599 to 1299 rubles (at the time of writing this article), you can purchase goods at partner stores by installments for a period of 10 months - no matter what conditions the outlet offers.

The basic installment period is also 3-4 months - and it is this one that is represented in most partner stores, of which, according to official information, already more than 50 thousand.

It is worth considering that, unlike its predecessor in the rating, Conscience has no interest on the debit balance. Cashback is also missing.

Surgutneftegazbank "Loyal Plus" (Visa Platinum)

Rating: 4.7

Why is she: An ideal "credit card" for people included in the salary project of Surgutneftegazbank.

The credit card with the “Loyal Plus” tariff has been developed specifically for the clients of Surgutneftegazbank, one of the largest financial organizations in the Urals, which services the respective corporation (natural monopolist).

Therefore, loan offers are very attractive. Thus, the interest rate is fixed, 18% per annum. Grace - 100 calendar days, both for purchases and cash withdrawals. Annual maintenance will cost 500 rubles, but if the cost of the card is more than 50 thousand rubles per month, it will be free.

And the main advantage of this card is the increased cashback. It makes up to 10% in certain categories, and 2% - for any other. Plus, the bank regularly arranges additional shares, during which cashback doubles.

It is worth noting that the bank has a lot of paid services that competitors are free. For example, blocking and reissuing.

Raiffeisenbank 110 days

Rating: 4.7

Why she: Big grace, which applies to cash withdrawals, and free maintenance, subject to certain conditions.

The credit product “110 days” from Raiffeisenbank is a good solution for making relatively large expenses. This is due to the large grace, which is up to 110 days - or 3 payment months. Preferential terms apply both to purchases of goods or services, and to cash out (including C2C transfers and the so-called “quasi-cash”). Upon expiration of the interest rate will be from 27% per annum depending on the category of the borrower.

The second important advantage of this “credit card” is the possibility of free maintenance. To get it, it is necessary that the monthly turnover exceeded 8000 ₽. Otherwise, you will have to pay $ 150 monthly, not counting $ 60 for an optionally plug-in notification service for transactions.

Despite the fact that preferential terms also apply to cashing, you will have to pay for this operation - 3% of the issued amount plus $ 300.

“Vostochny Express Bank” “Cashback” (Visa Classic)

Rating: 4.7

Why she: The biggest cashback on loan funds.

As the name implies, this loan product offers quite good conditions for shopping lovers - the largest cashback in the rating. It can be up to 10% in some categories selected by the user (for example, “gas stations” or “Cinemas”) - or 2% for any expenses in general.

Also, this "credit card" can boast of absolutely free service without hidden conditions and other "stars". The only thing - will have to "fork out" for its design. This operation costs 1000 ₽.

The next important plus is a high credit limit, which ranges from 55,000 ₽ to 400,000 ₽. But all the other characteristics - very average. So, the grace is up to 56 days (one payment month), and after it the rate will be from 24%. It does not apply to cash out, and this operation will have to pay 4.9% plus $ 499, which is generally not profitable. But there is a referral program with a reward of $ 1000 for each friend.

Ural Bank for Reconstruction and Development "120 days without interest"

Rating: 4.6

Why she: Long grace, there is cashback.

This "credit card" is well suited for large expenses, especially in stores. Its main advantage is a long grace, which, as the name implies, is up to 120 days (3 payment months). It also applies to cash withdrawals, which is also an important plus. Upon its expiration, the interest rate will be 28% per annum with a loan amount up to 100,000 ₽ - and 31% if this limit is exceeded.

Servicing a “credit card” can be free of charge if the total expenditures on it during the year exceed 150000 ₽. Otherwise, it will cost 1900 ₽ for the next 12 months of use. The first year is free.

Despite the fact that the grace extends to cashing, it is better not to use this operation - the commission for it is 4% of the amount, but at least 500 rubles. But the "credit card" has a cashback - it makes up 1% of any expenses, and there is no limit on the refund amount.

"Credit Europe Bank" Card Credit Plus

Rating: 4.6

Why she: There is an installment option, high cashback.

Card Credit Plus from Credit Europe Bank differs from other products in the rating. This is not a classic "credit card". In fact, Card Credit Plus is an overdraft card, on which it is proposed to use mainly debit funds (own), and borrowed funds - only for large acquisitions or even “for a rainy day”.

Nevertheless, the credit conditions for it are quite good. Firstly, it can be used for registration of installments for goods - for a period of 2 to 12 months, depending on the conditions of the partner store. Secondly, the grace of using credit funds spent on purchases is up to 55 days (one payment month). And finally, regardless of whether own funds are spent or borrowed, you can get a cashback of 5% for shopping categories and 1% for any expenses.

The service will be free of charge if the cost of a “credit card” exceeds 15,000 ₽ per month - or else 79 rubles per month.

Russian Standard Platinum

Rating: 4.5

Why she: Inexpensive service, suitable for installments.

One of the most traditional "credit cards". “Platinum” from “Russian Standard” works according to the classical scheme, aimed solely at making purchases, and has a high percentage of approval.

Like many other banking products in the rating, this one offers an interest-free period of using borrowed funds up to 55 days (one settlement month), but only when shopping. After that, the rate will be from 21% per annum depending on the category of the user.In addition, the bank has partner shops in which using Platinum it is possible to arrange installments for up to 12 months.

“Platinum” is practically not suitable for cashing, since the commission for this operation is 3.9% plus 390 rubles - although in the first month of using the “credit card” it is not charged. Also, these amounts are not counted in grace.

For annual maintenance will have to pay 590 rubles.

"Sberbank" "Golden Card"

Rating: 4.5

Why she: High percentage of approval, special conditions for users of the "payroll project."

One of the best "credit cards" for people who already receive a salary on the card accounts of Sberbank. For the so-called "loyal customers" this organization pre-approves the "Golden Cards" and offers special conditions for them.

So, if the “Golden” “credit card” has already been pre-approved, then you can count on free service, 23.9% per annum for the use of borrowed funds, and up to 600,000 ₽ credit limit. Otherwise, the service will have to pay 3000 ₽ per year, the interest rate will be 26.9% per annum, and the maximum limit - 300000 ₽.

Golden has a grace that lasts up to 50 days (one payment month), but only for purchases. There is a “cashback” up to 20% of the purchase amount (usually 0.5%), but it returns with “Thank you” bonuses.

This “credit card” is not suitable for cash out - a commission of 3% of the amount, but at least 390 ₽, and there is no grace period.

Tinkoff Bank Tinkoff Platinum (Mastercard World)

Rating: 4.5

Why she: High percentage of approval, adequate conditions with proper and careful use.

The credit card from Tinkoff Bank, which is called Tinkoff Platinum, is a product for financially competent and responsible borrowers who plan not only to make minimum payments strictly on time, but also to exceed them for faster repayment of debt. Otherwise, higher interest rates and additional fines will apply. Also, this card is designed exclusively for purchases, withdraw cash, make C2C-transfers, etc. it is strictly not recommended.

The rest is the usual credit card. There is a grace that is up to 55 days (one settlement month) for purchases, after which the interest rate will be from 12% per annum. The service will cost 590 ₽ annually, for informing about the operations you will need to pay 59 rubles per month.

When cashing there is a commission (2.9% + 290 ₽), there is no grace and increased interest rates.

Citibank “Just Credit” (Mastercard Standard)

Rating: 4.4

Why she: Suitable for the purchase of goods in installments, regardless of the presence of partner stores, excellent conditions of use.

“Just a credit card” from Citibank is one of the best relevant products in the rating. Its only drawback is a small percentage of approval without providing proof of income. In addition, Citibank has relatively few branches.

But among the positive features can be identified: completely free service without any additional conditions, "asterisks" and the need to perform any number of expenditure transactions per month; a small interest rate, which ranges from 20.9% to 32.9% per annum, depending on the financial condition of the borrower; no commission for cashing (although there is no grace on them); and also the presence of a grace to use credit funds for up to 50 days (one payment month).

Also, any purchase can be made in installments for 12-36 months. In this case, the interest rate will be less.

“Home Credit Bank” “Freedom” (Visa Unembossed)

Rating: 4.3

Why she: Good conditions for the purchase of various goods in installments, including a three-month installment from stores that are not part of the partners.

Home Credit Bank is represented in the Russian market as one of the main providers of consumer lending. Therefore, the “Freedom” released by him is, in fact, appropriate for the products. This is an installment card, which is intended for purchases at bank partner stores.

So, they can get installments for up to 12 months. Specific conditions are established directly by the partner shop - for someone it is less, for someone for exactly one year. In addition, this card allows you to purchase goods in stores that are not a partner of a bank - in this case, the installment period is 51 days, but Home Credit often holds promotions for which it is extended up to 3 months.

In case of violation of the installment terms, the interest rate ranges from 17.9% to 34.9% per annum. Service is free. To withdraw cash on the "Freedom" can not.

"Credit multicard" "VTB24"

Rating: 4.3

Why she: Credit limit up to 1 million rubles, free service, 101 days of grace for all operations.

According to an independent research of the Banki.ru service, the Credit Multicard from VTB24 is recognized as the best credit card of 2017. And this is not surprising. It offers many attractive conditions.

So, she has a grace of using credit funds in 101 days - both spent on purchases and withdrawn in the form of cash. The limit, depending on the assessment of the borrower, is up to 1 million rubles. There are additional bonuses that allow you to increase cashback up to 10% in certain categories (or up to 2.5% for any costs), lower the interest rate, earn miles, or increase the interest on deposits. In addition, she has a free service. And when you make a "credit card" with a limit of up to 300 thousand rubles, you only need a passport.

The only "but" - cashing takes place without a fee only in the first 7 days of using the card. In other cases, it is 5.5% of the amount, but not less than 300 rubles.

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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.