Top 15 Cashback Credit Cards

Credit cards tightly entered the life of modern man. Agree, it is very convenient to purchase goods and services regardless of the availability of money at the moment. Especially attractive are cards with cashback service, in the presence of which you can return a part of the spent funds back. Cashback can be obtained for goods or services specified or selected by the cardholder. Often there are offers with the return of interest from all purchases.

We have compiled the top most profitable cashback credit cards from popular banks. The selection took into account the following characteristics:

• the ability to select categories manually;
• cashback percentage;
• availability of promotions and special offers;
• annual maintenance cost;
• usability (the presence of a mobile application, Internet banking, hotline).

Best credit cards with cashback on specific categories

This category contains the most profitable cashback credit cards for popular categories. Among them: restaurants, gas stations, taxis, cars, supermarkets, etc. Some banks provide an opportunity to independently specify the desired categories. Cashback will be returned from purchases of specific products for which you often spend. The best offers have increased cashback up to 10%.

Title	Cashback	Maximum Credit Limit	Interest free period	Interest rate per year
Alfabank - “Cash Back”	10% at the gas station, 5% for restaurants and cafes, 1% for all purchases	300 thousand rubles	60 days	From 25.99%
Promsvyazbank Double Cashback	10% for purchases in restaurants, taxi, cinema, 1% for other expenses	600 thousand rubles	55 days	From 26%
VTB - Multicard	10% for cars, restaurants, up to 2.5% for other expenses	1 million rubles	101 day	From 26%
Russian Standard Bank - “Black”	10% for selected categories, up to 15% for purchases from partners	600 thousand rubles	55 days	From 19.9%
East Bank - Cash Back	10% for selected categories	300 thousand rubles	56 days	From 24%

5 East Bank - “Cash Back”

Eastern Bank is in the 100 most reliable banks of Russia according to Forbes magazine. It says a lot. The Bank is constantly expanding its products and developing a variety of areas. It represents credit cards for students, car enthusiasts, travelers and other customer categories.

A convenient option for those who want to manage cashback himself will be the same name credit card “CASH-BACK”.The client can choose five categories, purchases in which will provide a 10% refund. In addition, the holder will receive 4% of income on their own money. With the card you can make purchases in the amount of up to four hundred thousand rubles. And 56 days of the grace period will allow the client to manage funds more profitably. The downside is a high interest rate of 24%, but free Internet banking and the lack of annual service offset the costs. Of the minuses, it is worth highlighting only a high lending rate.

4 Russian Standard Bank - “Black”

For more than 20 years of existence, Russian Standard Bank has opened many branches throughout the country and expanded the range of services. Now it offers favorable terms of use for deposits for individuals, small business loans, as well as a wide range of various debit and credit cards.

Owners of the “Black” credit card will be able to return 10% of all purchases within two months after registration. After this period, the client will need to select three categories out of five, for purchases in which increased cashback will be returned. The most profitable will be acquisitions from partners of the bank, here the return will amount to 15%. A nice addition will be 1% cashback on all purchases.

It is worth noting the free and very convenient online bank. The credit card will also allow you to receive additional income from personal funds - up to 4% per annum. A good rate of 19.9%, a grace period of up to 55 days, as well as free travel insurance of the owner, will pleasantly delight customers. Main advantages: excellent cashback terms, low annual interest rate, convenient online service, large credit limit, good reviews. Cons: expensive annual maintenance (4900 rubles)

3 VTB - Multicard

VTB is the second largest bank in our country, its branches are located almost at every turn. He developed a whole line of proposals for any type of loans: consumer, auto, mortgage. But another popular area of ​​the bank are credit cards.

Choose what kind of purchases to return cashback, allow "Multicard". Fans of trips to restaurants and cafes, as well as car owners can get a return of up to 10%. Those who are interested in buying from the bank’s partners can be found on the VTB website in the “Collection” section, up to 16% will be returned. Travelers can count on 5% cashback. And those customers who need a refund from all purchases will be able to get 2.5%. Categories of increased cashback can be changed once a month. The user will be pleased with 101 days of the grace period and a large limit of 1 million rubles, as well as the most pleasant bonus would be the absence of a fee for transfers and cash withdrawals in limited quantities.

Owners in the reviews note round-the-clock support, a good cashback, a large credit limit, free service under certain conditions, online transfers without a fee. Among the shortcomings: the size of the cashback depends on the volume of purchases made.

2 Promsvyazbank - Double Cashback

Since 2018, Promsvyazbank has been a pillar for the implementation of large government contracts and defense orders. According to the Bank of Russia, it is on the list of 11 systemically important credit organizations and is in 9th place in terms of assets. He makes one of the most lucrative offers - Double Cashback Card.

It is advantageous to go to the cinema and restaurant, use the Double Cashback credit card with a taxi service or parking with a significant limit of up to six hundred thousand rubles and a rate of 26% per annum. Using the card in these categories, the holder will receive up to 10% back. In addition, the bank will return from all purchases 1% of the money spent. A decent grace period of up to 55 days and inexpensive service (990 rubles a year) will also be a big plus.If the client withdraws or transfers money, you will have to pay a commission of 3.9% + 390 rubles. The main advantages that customers emphasize in their reviews are: flat rate, points for card replenishment. And disadvantages worth noting expensive information by SMS (69 rubles.)

1 Alfabank - “Cash Back”

The Alfabank Cash Back card with a decent limit of up to three hundred thousand rubles will be the best choice for car owners. Using the card at gas stations, the user gets back up to 10% of the money spent, 5% will return for paying bills in restaurants and cafes. In addition to the main categories for which a bank customer receives increased cashback, a refund for other purchases is provided - 1%, but not more than 36 thousand per year. The product supports integration with Samsung Pay and Apple Pay services, thanks to which the holder can pay for purchases with a smartphone.

By tradition, there is an Internet banking service, which greatly simplifies the process of financial management. Making a card does not take much time, the client does not have to leave the house, the application is submitted remotely on the bank’s website. Of the minuses, it is possible to single out a considerable interest rate of 25.99% per annum and rather expensive service, the latter will cost the holder 3,990 rubles. In addition, to get a cashback, the owner of a credit card must spend monthly in retail outlets of 20 thousand rubles.

Best credit cards with cashback on all purchases

For those who spend money equally on different categories of goods, special cashback cards have been created absolutely for all purchases. As a rule, its size does not exceed 1.5%. You can use such a card when paying for a fitness subscription, sports goods, products, clothes, cosmetics, etc. With each purchase, a certain amount of funds will be returned in the form of bonuses, which can later be spent on a variety of purposes: going to the cinema, cafe etc.

Title	Cashback	Credit limit	Interest free period	Interest rate
Tinkoff - Platinum	1% on all purchases	300 thousand rubles	55 days	From 15%
Opening - "OPENCARD"	from 1% on all purchases and up to 11% in categories	500 thousand rubles	55 days	From 19.9%
Ural Bank for Reconstruction and Development - "120 days without interest"	1% on all purchases	300 thousand rubles	120 days	From 27.5%
SOVKOMBANK - “Halva”	1.5% from purchases on own funds	350 thousand rubles	Up to 18 months	From 10%
ATB - “90 for nothing”	1% on all purchases	300 thousand rubles	92 days	From 29%

5 ATB - “90 for nothing”

The Asia-Pacific Bank is among the 100 largest banks in the country, remaining the leader in terms of its assets in Siberia and the Far East. The bank offers profitable solutions for deposits and credit cards. The 90 for nothing card is perfect for those who do not like hidden conditions. She has the most transparent cashback. Despite the high rate of 29% and a significant commission for withdrawing and transferring cash (4.9% + 390 rubles), the credit card attracts with a cashback of 1% of any purchase, a long period without interest - 92 days, a good limit of up to 300 thousand rub. and absolutely free service.

Of the advantages, users allocate an interest-free period for payment of goods and the possibility of withdrawing cash, as well as issuing a loan with work experience of 1 month at the last place of work. Cons: high loan rate, a large commission for withdrawals and transfers.

4 SOVKOMBANK - “Halva”

SOVKOMBANK is one of the 15 largest banks in the country by the end of 2018. It provides an opportunity for profitable investments, gives preferential conditions to pensioners, constantly develops new product lines. But the most popular offer is the Halva card, which makes it possible to buy goods by installments from any of the partners (Metro, Snow Queen, Megaphone, Lukoil, Kari, etc.) and return the money spent without interest up to 1 to 18 months .The card provides cashback on all purchases in the amount of 1 to 6% when using your own funds. Favorable condition is also to charge up to 7.5% per annum on the balance of personal funds on the card. Registration and maintenance are free, as well as home delivery. Credit limit - 350 thousand rubles.

The advantages that users noted in the reviews: free release, delivery, service, SMS informing, a very large interest-free period when buying from partners. There are many drawbacks: it is impossible to withdraw cash, a large commission for transferring to another card, cashback is charged only when you pay with your own funds.

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

The Ural Bank for Reconstruction and Development is one of the 25 largest banks in Russia. Due to the dynamic development, today it has branches in many cities of the country and is included in the “Top 100 Most Reliable Banks of Russia”, according to Forbes. Customers are offered many profitable lending options and good credit card use terms.

The “120 days without interest” card with a loan rate of 27.5% per year provides a cashback of 1% for all purchases. The cardholder has an interest-free grace period of 3 months for repayment of the debt, which is very profitable and convenient. When you make a card online you need a passport. The solution comes within 10 minutes. The cost of annual maintenance (1900 rubles) can be reduced to zero if within 1 year from the moment of issuing the card you have reached the amount of 200 thousand rubles for payment transactions for goods and services. In major cities, the bank offers free delivery of cards.

2 Opening - "OPENCARD"

Otkritie Bank provided the holder of the “Opencard” card with flexible terms of use, under which the customer can choose the cashback option advantageous to him once a month - 6% return on all purchases, or 11% on purchases in any category and 1% on all other expenses . The card has a limit of up to 500 thousand rubles and a credit rate of 19.9% ​​per year. Within 55 days, you can use the funds without interest. An important feature is that the annual maintenance is only 500 rubles, and with the amount of purchases from 10,000 rubles. returns in the form of bonuses. For cash withdrawals at an ATM or transfer you will have to pay a commission of 3.9% + 390 rubles.

Low cost of service and the ability to select the desired cashback option, of course, will appeal to the holder. Among the shortcomings - a large fee for cash withdrawals and transfers that are not covered by the grace period, bonuses can be spent only with the accumulation of 3000 pieces.

1 Tinkoff - Platinum

Tinkoff Bank is the largest online bank in the world. Its employees do not sit in offices, but come to personal meetings. The bank provides good conditions in many areas, but credit cards are the main specialization. There is a choice of separate maps for travel, computer games, shopping in specific supermarkets, etc.

For those who want to get a refund from all purchases, the Platinum card will be a profitable option. She will return 1% of any purchase. The bank holds a lot of shares, during which you can get back up to 30% of the costs in a particular category. The card is quickly and conveniently issued on the Internet. A unique offer - 120 days for refinancing loans and 55 days of grace period for personal spending. A big plus is the possibility of replenishing the card without commission through online transfers and any ATMs. The limit of 300 thousand rubles will satisfy most of the needs. The card supports Apple Pay and Samsung Pay.

Best Credit Cards with Travel Cashback

Credit cards for travelers - a separate category, including the most favorable terms of use for payment of air and railway tickets, booking hotels, cars.With each purchase, bonuses are returned to you, which, unlike standard credit cards, can be redeemed for miles at different airlines, a discount at a travel agency, etc. Some cards provide free travel insurance for specific countries or the whole world. Others donate membership to Priority Pass, which makes it possible to comfortably spend time before departure. Below are the best deals on credit cards with a cashback for travel.

Title	Cashback	Credit limit	Interest free period	Interest rate
Tinkoff - ALL Airlines	10% for booking hotels, car rental, 2-5% for buying tickets, 2% for all purchases	700 thousand rubles	55 days	From 15%
Discovery - Travel	2% for every 100 rubles.	1 million rubles	55 days	From 17.9%
Promsvyazbank - World Map Without Borders	1.5-3% for every 100 rubles.	600 thousand rubles	55 days	From 26.5%
Eastern Bank - "Traveler's Card"	10% for the purchase on the site, 5% miles for payment of tickets, hotels and car rental, 2% miles for all purchases	400 thousand rubles	56 days	From 24%
Raffazen BANK - Travel Rewards	1 mile for every 30 rubles.	600 thousand rubles	52 days	From 29%

5 Raffazen Bank - Travel Rewards

Raiffeisen is another reliable bank, according to citizens. It has existed since 1996 and during this time has managed to greatly expand the range of products offered. Now in Raiffeisen you can take a mortgage on favorable terms, get a consumer loan and much more. But special attention should be paid to credit cards. Travel Rewards card has a limit of 600 thousand rubles. For any purchases from every 30 rubles returns 1 mile, equal to 1 ruble. Received bonuses you can pay for hotel reservation, car rental, ticket purchase, insurance, transfer and much more through the service iGlobe.ru or purchase a ticket on the carrier's website.

The bank constantly updates various promotions and special offers that give great discounts on purchases in some places. The commission for cash withdrawal will be 3% + 300 rubles, for transfer - 3.9%. The cost of annual maintenance is 2990 rubles. Users like profitable promotions, cashback on all purchases, free SMS alerts, simple online registration. Of the minuses: a fee is charged for making cash, unprofitable online transfers, a high rate of 29%.

4 Eastern Bank - "Traveler's Card"

Vostochny Bank is mainly engaged in deposits and loans to the public. He has existed for more than 20 years and has extensive experience in developing lucrative offers. Bank credit cards provide a good cashback for various purchases. Lovers of frequent trips abroad will appreciate the "Traveler Card". The limit of 400 thousand rubles will allow realizing the most ambitious route plans, and when ordering tours in the Travel service on the bank's website, the holder can count on a ten percent cashback.

When buying on other sites will return 5%. For purchases in other categories, a cashback of 2% will be received on the card. The only disadvantage is the high rate of 24% per annum. The bank provides baggage insurance for the trip absolutely free. Management occurs through Internet banking. The card is equipped with contactless payment. She adequately entered the rating of the best credit cards with a profitable cashback.

3 Promsvyazbank - World Map Without Borders

In Promsvyazbank, customers can make a deposit on good terms, open an account or arrange a loan. The bank has a wide range of services and securely entrenched in the ranking of the best, in the opinion of the population. The World Map Without Borders is one of the most profitable offers of Promsvyazbank. For purchases in the category "Travel" and any expenses abroad, returns 3% for every 100 rubles, in other cases - 1.5%. The client himself decides for purchases in which categories he would like to return the funds.You can choose from the following options: purchase of a tour, payment for a cruise, purchase of railway and air tickets, as well as booking rooms and cars.

The accumulated funds in the future can be spent on 100% payment of the cost of any trip. Favorable condition is the ability to replenish the account with the cards of other banks. The cost of maintenance for the year is 1990 rubles. Bonus will be the design of free insurance when traveling abroad. You can return funds on favorable terms within 55 days. The minimum rate is 26.5% per annum.

2 Discovery - “Travel Premium”

Opening - a large Russian bank, which offers some of the most favorable credit conditions for many products. These include deposits and credit cards of different directions. The Travel card is an excellent option for travelers who, in addition to travel impressions, also want to receive monetary benefits. For every 100 rubles spent. 4% of cashback is returned to your account. Received bonuses can pay for hotels, tickets for a special service of the bank. For holders of a premium card, a unique service “Concierge.Service” is provided, which includes free transfers in 24 different cities of the world, assistance in booking cars, hotel rooms, tickets, expert advice and much more.

Another feature is the provision of membership in Priority Pass. With it, you can go to special comfortable zones of airports for rest between flights, etc. The grace period is 55 days. Low rate - 17.9% per annum, the largest credit limit, the best reviews of holders, additional features, round-the-clock specialist assistance - not all the advantages of a financial product. The disadvantage is expensive service (5990 rubles per year).

1 Tinkoff - ALL Airlines

Tinkoff is a new generation bank that develops credit offers based on the preferences of its customers. The main product is credit cards. For those who often travel card “ALL Airlines” with a credit limit of up to 700 thousand rubles and an interest-free period of up to 55 days will be one of the best options. With its help, you can return 10% when paying for a hotel and booking a car, 5% for purchasing railway and air tickets through the Tinkoff.Travel service, or 3% for purchasing plane tickets in other places. Cashback in the amount of 2% is charged on all purchases. Bonuses are returned in the form of miles that can be spent on airline tickets at the box office or online, as well as to increase the class of service.

All operations are performed through a convenient mobile application. When you make a holder receives a free insurance, valid for travel around the world. Annual maintenance is 1890 rubles or 249 per month. If the expenses for the billing period are between 50 thousand rubles, the service will be free. The card has many obvious advantages: free insurance when traveling in any countries, good cashbacks for travel expenses and other purchases, a low interest rate (from 15%), convenient simple financial management, a large limit. No cons found.

Popular vote - which bank credit card do you choose for cashback?
We vote!

Alfa Bank

Sberbank

VTB

Russian Standard Bank

East Bank

Tinkoff

Opening

Ural Bank for Reconstruction and Development

SOVKOMBANK

BinBank

Promsvyazbank

Raiffeisen Bank

ATB

Total votes: 4

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