17 best cashback credit cards
Credit cards have ceased to be for holders simply sources of borrowed funds, for the use of which you have to pay interest. They have become a financial product that benefits. These include cards for which bonuses are returned after payment for purchases and services. And it can be not only clothes, shoes, household items. This is the purchase of fuel at the gas station, tickets for planes and trains, tours and many other useful things.
Cashback size can be different. Basically it varies from 1 to 10%. But it all depends on the conditions of the selected program, which is set by the bank. In our ranking, we collected 17 of the best credit cards with a cashback, which, according to financial analysts and ordinary holders, turned out to be the most convenient and beneficial for purchasing goods and paying for services.
Top credit card cashback rating
| Nomination | a place | credit card | rating |
| Best credit cards with cashback on any purchases | 1 | Platinum Tinkoff Bank | 5.0 |
| 2 | "120 days without interest" Ural Bank for Reconstruction and Development | 4.9 | |
| 3 | Gold Home Credit Bank | 4.8 | |
| 4 | "Credit Card" Touch Bank | 4.7 | |
| 5 | “My conditions” VTB 24 | 4.6 | |
| 6 | Halva SOVKOMBANK | 4.5 | |
| 7 | "Smart Card" Bank Opening | 4.4 | |
| Best Credit Cards with Travel Cashback | 1 | ALL Airlines Tinkoff Bank | 5.0 |
| 2 | "World Map without Borders" Promsvyazbank | 4.9 | |
| 3 | Travel Rewards Raiffeisenbank | 4.8 | |
| 4 | "Traveler Map" Bank Vostochny | 4.7 | |
| 5 | Travel Bank Opening | 4.6 | |
| Best credit cards with cashback at gas stations | 1 | Cash Back Alfa-Bank | 5.0 |
| 2 | Drive Tinkoff Bank | 4.9 | |
| 3 | "Can all" Rosbank | 4.8 | |
| 4 | Sberbank Premier Sberbank | 4.7 | |
| 5 | "Credit Card Host" Rosselkhozbank | 4.6 |
Best credit cards with cashback on any purchases
Platinum Tinkoff Bank
Rating: 5.0
The first place is occupied by the map, which is suitable for both shopping lovers and active travelers. Cashback when buying goods from partner companies reaches 30%. You can use installments up to 12 months. After approval of the application, the borrower receives the finished card at any convenient address where the courier delivers it. You should have only a passport of the Russian Federation with you. The maximum credit limit is 300,000 rubles.
The grace period is 55 days. When closing existing loans in other banks, this period is increased to 120 days. Mobile application is recognized as the most successful. It is available for financial management for each user. The minimum monthly payment is 8% of the amount spent. Depositing funds to the account is carried out by any means without commission fees.
Bonuses “Bravo” make it possible to pay for railway tickets, bills in restaurants and cafes without using credit or own funds. They are credited automatically from each purchase. Points are exchanged for rubles at the rate of 1 to 1. Customers have long appreciated the universal capabilities of the card. With it, you can profitably make any non-cash transactions, while returning significant amounts back to the account.
"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, which offers several favorable conditions for holders. Those who are important installment will delight her long term. Cashback is charged regardless of the place of purchase.This means that the client is not tied to specific partners of the bank, but can choose any stores he likes. The return amount is always the same and is 1%. Making a card does not take much time. It is enough to present the passport of the Russian Federation. If you wish, you can order the delivery of the card to your home.
The limit is set based on the individual assessment of the borrower. The maximum possible - 300,000 rubles. With a speed of more than 150,000 rubles, the card service is free of charge, with a smaller amount - 1900 rubles. Grace period is set to 120 days. When its action ends, interest is calculated - from 27% per annum.
Borrowers were satisfied with the proposed tariff. 4 months without interest apply to all transactions, including cash withdrawals. Terms of return - one of the most understandable among similar products. Cashback - no limit on the amount. His points are converted into rubles. On the 20th of each month, they are automatically credited to the current account.
Gold Home Credit Bank
Rating: 4.8
An interesting financial proposal, which many borrowers liked, is on the third line of our rating. Gold credit card returns cashback up to 10% when shopping at an affiliate network of stores, 3% - for payments in cafes, restaurants, gas stations. 1% is credited with the purchase of any goods in all outlets of the country. It can be both supermarkets and online stores. Returned bonuses change into rubles 1 to 1, and they can be used again.
The card is issued very quickly without providing an income statement and guarantors. The maximum limit renewable. He is 300,000 rubles. The grace period for interest-free use is set to 51 days. Further interest is charged, ranging from 19.9%. The card includes many options that create additional convenience for the borrower. This is a quick reissue of the lost plastic carrier, treatment and legal assistance while traveling.
Mobile application, SMS notification and Internet banking are provided free of charge. Cash withdrawn with interest. But during the grace period, this service is more beneficial for the client. According to reviews there were no significant shortcomings. Many besides the proposed fare liked the external design of the card.
"Credit Card" Touch Bank
Rating: 4.7
The honorable fourth place in the rating is given to a credit card, which, if necessary, can be issued very quickly. The application is processed through the online service and the decision is reported. With a high appreciation of the borrower's solvency, the maximum limit is 1,000,000 rubles. The interest rate starts at 12%. The grace period is 61 days. Standard requirements: citizenship of the Russian Federation, the age of 21 years and permanent registration. Additional documents do not need to provide.
Cashback is credited when paying for purchases and services in the amount of 1%. Increased discount is available when choosing a specific category for which large payments are made. Then it reaches 3%. Replenishment of the account is possible in all convenient ways. For this commission fee is not charged. Annual maintenance is free of charge provided that at least 30,000 rubles have been approved as borrowed funds.
Holders noted that the tariff card was designed not only for the benefit of the bank, but also really provides an opportunity to save on purchases and not save them in the absence of their own funds. The program combines a large limit, low interest rates, a long grace period, an expanded affiliate network of stores, and a profitable cashback.
“My conditions” VTB 24
Rating: 4.6
The fifth place in the ranking is taken by a credit card of one of the most stable and reliable banks in the country. Cashback on all purchases is 1%. When you select a specific category, it increases to 5%. The client can change it once every three months and return part of the amount spent back to the account. 100% approval for issue is given to payroll card holders. When making a certificate of income is not required.The main conditions: age from 21 years and permanent registration.
The maximum limit is 750000 rubles. Payment of the loan is possible in various ways that are most convenient for the holder. The grace period is 50 days. The rate starts at 26%. For service for the year is charged a fixed amount - 3,600 rubles. The minimum monthly payment should not be less than 5% of the money spent. Cash withdrawal - paid. The commission in own and third-party ATMs is 3.9%.
Additional options include free insurance programs, a concierge service, a mobile application and online banking. Borrowers have allocated a minimum package of documents for registration, a large limit, good bonus programs from partners, a return for all types of purchases, and clear cashback conditions.
Halva SOVKOMBANK
Rating: 4.5
On the sixth line of the rating is a very popular credit card, which many Russian borrowers already use. She offers one of the best installment programs. Depending on the partner store, it can be up to 12 months. After the end of this period, the interest rate will be 10% per annum. Cashback is credited for any purchases of up to 6%. But this service is available when using not borrowed, but own funds. Super bonus "Favorite purchase" makes it possible to return 35% of the amount spent.
The application is processed instantly. Card issue, design and delivery to the client's apartment are free. The limit is calculated individually. The maximum possible amount - 350000 rubles. With good cooperation with the bank and non-violation of contractual terms, a small limit can be increased to a greater extent.
In the personal account displays all the transactions. For the use of the application fees are not charged. According to the reviews, the card is beneficial to active customers, who can not only buy the thing they like without paying for it right away, but also get bonuses. Many noted the loyalty of the bank to borrowers, the minimum package of documents.
"Smart Card" Bank Opening
Rating: 4.4
The seventh place ranking card does not stand out from the rest and offers quite standard conditions for holders. Its maximum limit is 300,000 rubles. With long-term and fair cooperation, it can be increased to 500,000 rubles. The interest-free period is 55 days. As it ends, interest begins. Rate - from 19.9%. The card is issued through the site. After release, the finished plastic carrier is sent free of charge by a courier to the address of the borrower.
Annual maintenance - without commissions. Account replenishment is carried out in any way. No interest is charged for this either. Cashback returns up to 3% from each purchase. During the stock period, it reaches 6%, which is especially beneficial for active shopaholics. Mobile application and online bank are issued and serviced without payment. They are very convenient and understandable, allow you to quickly perform transactions and be always aware of the status of the account.
For cash withdrawals at ATMs you will have to pay 4.9% (but not less than 490 rubles). Transfer to a card of another financial organization is carried out under the same conditions. This is the only negative that customers have noted. The rest of the map is completely arranged for them.
Best Credit Cards with Travel Cashback
ALL Airlines Tinkoff Bank
Rating: 6.0
The first place in this category of rating is given to a credit card of one of the most popular banks among Russians. He has developed several financial products that are beneficial not only for him, but also for the borrowers themselves. For active tourists, a map has been created that, to the impressions of travel, will be able to add the economic benefit from them. Its maximum limit is 700,000 rubles.
A cashback of 10% is set for renting hotel rooms and cars, 5% for purchasing railway and air tickets through a specialized bank service and 3% on other sites. Accumulated miles are converted into bonuses, which can also be spent on your favorite type of holiday - traveling around the world.When shopping in online stores, restaurants, cafes, supermarkets, 2% is returned to the account. The grace period is 50 days. This means you can use borrowed funds without paying interest, while receiving cashback.
The interest rate starts at 15%. Borrowers noted that the card provides free insurance during tourist trips. It includes options for outdoor activities. The policy can be renewed every year and significantly save. Many have identified a large limit, the optimal interest rate, a convenient mobile application for financial management.
"World Map without Borders" Promsvyazbank
Rating: 4.9
In second place is the international bank card valid worldwide. Cashback is 3% for every 100 rubles for travel and purchases abroad. Miles are converted into rubles at a 1: 1 ratio. With the accumulation of a sufficient amount, you can fully pay for railway and air tickets, book a hotel, buy tickets, and PSB is not limited to partner companies, but allows travelers to choose from whom to purchase services.
Travel insurance when traveling abroad covers all costs of treatment, while the client does not pay for it at all. The maximum limit provided is 600,000 rubles. With an amount of up to 100 thousand rubles. the borrower at registration will need only a passport of the Russian Federation. Rate - from 26.5%. The grace period is calculated for 55 days of interest-free use. For the annual service is removed a fixed amount - 1990 rubles. It includes SMS information service and card replacement.
According to reviews, this is one of the best maps for active travelers. The undoubted advantage was the possibility of 100% payment with points of services without the use of funds, quick card receipt, free transfer via Internet banking.
Travel Rewards Raiffeisenbank
Rating: 4.8
The bronze of the rating goes to a premium credit card, which has already been appreciated by many Russian travel lovers. Accumulated bonuses from any purchases can go to purchase tickets from more than 380 airlines in the world, train tickets for trips in Russia, to rent hotels and cars. 1 point is credited with every 30 rubles spent. Cashback on purchases of goods in 4000 partner stores reaches 30%. Release and annual maintenance will cost 2990 rubles. The maximum available limit is 600,000 rubles.
52 days you can use money without commissions and interest, then - at the established rate of 26.5%. The minimum mandatory payment is 4% of the amount spent monthly. Travel insurance is free. Connection and maintenance of online banking - 0 rubles. Provided contactless payment technology.
The bank has not only developed a favorable rate for travel, but also offers various incentive programs. 500 miles credited when shopping for at least 25,000 rubles. monthly. On the birthday of the holder receives 1,000 greeting points. Clients liked the quick clearance, the offers offered, the big limit.
"Traveler Map" Bank Vostochny
Rating: 4.7
In the fourth place of the rating is a map that travelers will like, not accustomed to postpone trips for later, but use any opportunities, including credit offers. Cashback for the purchase of tickets, booking hotels and cars returns up to 10%. 2% for other purchases. The maximum limit is 400,000 rubles. The application is sent online. Issuance is made on the day of treatment in the presence of a passport of the Russian Federation. The cost of the finished plastic carrier is 1000 rubles.
Annual maintenance is free. The grace period is 56 days. At the end of the rate is charged at the rate of 24%. The undoubted advantage is the possibility of withdrawing cash at any ATM of the world without commissions and interest. If you wish, you can issue an additional card of various payment systems for yourself or those over 14 years old.
Mobile and Internet banks have clear interfaces.With their help, you can track the movement of funds and perform the necessary operations. The tariff includes free options: contactless payment technology, account statement. It also includes baggage insurance, in which payments are made when it is lost on the territory of Russia and in all countries of the world.
Travel Bank Opening
Rating: 4.6
On the fifth line is a credit card, which offers a variety of tariffs, the most convenient for travelers. Purchase bonuses are returned to the borrower's account. Depending on the program, this is 2, 3 or 4 points for every 100 rubles. They can fully or partially pay railway, air tickets, tours, cruises. The maximum limit is one of the highest among the financial products represented in our rating. He is 1,000,000 rubles.
The interest-free period is 55 days. Further, the rate starts from 17.9%. The minimum payment is 5% of the spent borrowed funds. Premium tariff offers holders additional services: transfer, concierge, special deposit. But then the annual maintenance of its highest - 5590 rubles. The loyalty program when opening an account provides for the transfer of welcome rubles. For cash withdrawals at own and third-party ATMs, a commission of 290 rubles is charged, plus 2.9% of the amount.
The advantages were allocated a large loan amount, various tariff plans, a large selection of hotels and carriers on a specialized website. The minus was considered the mandatory provision of a certificate confirming the income, and the paid issue of an additional card (the cost of the service is 2,990 rubles).
Best credit cards with cashback at gas stations
Cash Back Alfa-Bank
Rating: 5.0
In this category of rating, the quite popular and demanded Alfa-Bank card is in the lead. Car owners get 10% cashback at gas stations, 5% in restaurants and cafes and 1% from all other purchases. The credit limit reaches 300,000 rubles. The grace period applies to all transactions and is 60 days. When closing debts in other financial organizations, no commission is charged for a transfer.
The application can be sent through the site or place in any branch of the bank. Requirements for borrowers are standard. Adult citizens of the Russian Federation with a monthly income of at least 5,000 rubles can receive a loan. Residents of Moscow can receive at least 9,000 rubles. Card issue is free. The rate starts at 25.99%. For service is charged a fixed amount annually - 3990 rubles. For cash withdrawals through an ATM, the fee is 4.9%. There is a limit on cash withdrawals per month - 120,000 rubles.
Convenient contactless payment technology is present. Free mobile application has a clear interface. Points are returned to the account at the end of each settlement period. The tariff works on the condition that all purchases for the month total at least 20,000 rubles. Of these, at the gas station should be spent 7 500 p.
Drive Tinkoff Bank
Rating: 4.9
The second place in the rating is given to one more product of Tinkoff Bank. This is a fairly new card, but it has already become popular among car owners, borrowers. When paying with funds at any gas station in the country, 10% of the amount spent is refunded The same tariff applies when purchasing CTP or CASCO in Tinkoff Insurance. Cashback 5% is available after contacting services, car washes, parking. Such a program is very profitable for motorists, as it gives discounts on many services, ranging from fueling to repairing a vehicle.
The maximum limit is up to 700,000 rubles. Grace period - 55 days. When it ends, interest on the spent borrowed funds is calculated from 23.9%. The application is quickly processed online, and the finished card is delivered to the client's address. Service for the year - 990 rubles. The minimum payment is set at 8%. The account can be managed through a mobile application or online banking. SMS alert is optional and costs 59 rubles. Card replenishment is carried out in various ways for free.
Borrowers noted that the bank issued another profitable card, which car owners were able to evaluate. Many of them recommend it to use it to reduce costs.
"Can all" Rosbank
Rating: 4.8
On the third line of the rating is a credit card, which, after all purchases, returns 1% of the amount to the account. Choosing the category "Car lovers", the cashback will be 10%. It applies to gas stations, services, parking, washing. The card limit is high and can reach 1,000,000 rubles. The grace period is 62 days. It is valid for all types of transactions, including cash withdrawals at any ATMs in the country. The card is ready in 3-5 days after a positive response. The client receives it at the nearest financial institution office.
Interest rate - from 26.9%. The service is free with an annual turnover of 180,000 rubles. With a smaller amount, the commission is 890 rubles. Contactless payment technology is. SMS notification is connected with the consent of the holder and the first month is not paid, and from the second costs 60 rubles.
Customers highly appreciated the developed program, in which the owners of cars daily save on car maintenance. At the same time, at your discretion, you can change the category and choose an increased cashback for other services. Many people liked the fact that the interest-free period is renewable with good faith regarding contractual obligations, and the limit under the same conditions can be raised at the initiative of the bank.
Sberbank Premier Sberbank
Rating: 4.7
The fourth place in the ranking is taken by the card, which makes it possible to receive 10% cashback after paid services at gas stations, as well as in Yandex.Taxi. The credit limit depends on the assessment of the client’s solvency. The maximum possible - 600,000 rubles. The borrower must be at least 21 years old and must provide proof of income. Interest-free period - up to 50 days. There is no commission for issuing a card. For annual maintenance will have to pay 4900 rubles. SMS informing will remind you of the upcoming payment. This service is free.
The loan accrues interest from 25.9%. In case of violation of the terms and order of repayment, the penalty rate will be automatically established - 36%. Card holders receive privileges when respecting their obligations to the bank in good faith. Especially travelers will like them. This is a transfer to the airport with a 20% discount, car rental abroad minus 35%. Bonuses are awarded, as in other tariffs under the “Thank You” program. 1 point is equal to 1 ruble.
According to reviews, this is the best offer of Sberbank by the number of bonuses. Not only motorists were able to assess the benefits. Saving 5% is obtained after visiting restaurants and cafes. 1.5% returned after shopping in supermarkets.
"Credit Card Host" Rosselkhozbank
Rating: 4.6
The rating is completed by a credit card, which makes it possible to get a 1% discount for cashless payments for goods and services. For all operations at the gas station, 5% of the amount spent is refunded (the maximum possible monthly discount is 15,000 rubles). The limit is up to 1,000,000 rubles. The grace period is 55 days. Further, the rate is set, ranging from 23.9%. Annual maintenance - 900 rubles. The application is sent through the site. In the same place it is possible to calculate the received benefit on a special calculator.
Commission is not charged for issuing a card. Cash for the first three months is free of charge. Further - according to the tariff of 3.9%. Mobile application is easily customizable. All selected options will be displayed in the Internet Bank. All payments can be made online or by depositing funds to an account through a cashier or ATM. If you wish, you can order an additional card to yourself or an authorized person.
Borrowers appreciated the developed program and recommend the card to car owners to save the family budget and bargain-free interest during the grace period. It was noted that there are returns with an increased cashback rate of 10% in the categories: "Pharmacy", "Pet Shop", "Books", "Telecommunications" and others.
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.
