Top 10 Credit Cards with a Grace Period

Credit cards are now actively used by the population of our country. They placed a certain amount of money that can be spent at a convenient time. Most of these cards give their holders the opportunity to return the amount without interest over a certain period, which is called a grace period. True, each of them has its own conditions. We found out what you should pay attention to when choosing:

1. Terms of service grace period. It can only apply to online purchases, card payments or absolutely all transactions.
2. Interest rate. The amount depends on how much you will have to overpay for the use of credit funds outside the grace period. It can vary from 18 to 30% per annum.
3. Maximum Credit Limit - This is the amount of funds that you can spend from your card. It all depends on the bank and customer data, for each it is set individually.
4. Service cost. At this indicator should pay attention, because Often the card is too expensive. In addition, the fee is usually charged in the first days.

The rating includes the best credit cards with a grace period. When selecting, we paid attention to the following factors:

• terms of grace period;
• convenience of a mobile bank;
• additional bonuses;
• feedback holders.

Top 10 credit cards with a grace period

10 VTB - "Multicard (credit)"

VTB offers an option with a grace period of up to 101 days. The bank prepares applications in 15 minutes, a credit card can be ordered on the website and received by mail. Customers choose their own options, there are 7 options. The credit limit is one million rubles, bypassing competitors. The bank does not charge a service fee if the amount of purchases exceeds 5 thousand rubles. Otherwise, take 249 rubles. Payments and transfers from the card are free. The bank speaks of a cashback of up to 10%, although buyers note that it is almost impossible to reach such a figure.

The reviews warn that some funds are refunded only for purchases of a certain amount. But praise income up to 6% on the balance of own funds. The minimum payment is 3% of the outstanding amount. Mobile banking, messages, registration of 5 additional cards are working for free. However, at the same time you can choose only 1 option out of 7, and bonuses directly depend on revolutions per month.

9 RosBank - "CanVSE"

At the end of 2018, RosBank offered to upgrade one credit card to the status of MULVSE.The latter has the best cashback: up to 10% for affiliate products, 1-2% for the rest. Refunds depend on the amount spent. Travelers will appreciate the opportunity to redeem points for miles (up to 5 per 100 rubles). When shopping on a credit card from 15 thousand rubles. annual maintenance is removed. Withdrawal at ATMs of partners is free, in the rest - 1%, the minimum amount is 200 rubles.

The reviews warn that SMS will cost 60 rubles. per month 30 days after the card was issued. To see the balance in third-party terminals, you need to pay 30 rubles. Introduced fines for unresolved overdrafts. On the other hand, you can open up to 3 accounts in different currencies, there is even Chinese yuan. The most important feature is the lack of commission, if the card is not used or the amount of operations has not exceeded the amount of service.

8 Promsvyazbank - "Supercard"

The supercard has an established interest-free period of 145 days. This is a long time to replenish the account after purchase. The credit limit starts from 30,000 and can reach 600 thousand rubles. New customers do not need to pay for the first year of service, as well as subsequent ones, if their spending per month is more than 30,000 rubles. In other situations, the amount of payment will be 1,500 rubles. For only 333 rubles a client can receive a card with an individual design. For cash withdrawals at third-party banks will be charged a fee of 4.9%. The cardholder becomes a member of the PSBonus program and can accumulate points from purchases.

Pros: excellent conditions for beginners, free service the first year, the possibility of processing a card with a unique design, bonus program, a large credit limit. Cons: a large grace period is given only once at the very beginning of use.

7 Home Credit Bank - Freedom

Home Credit Bank issued Freedom credit card at the very end of 2018, offering favorable terms of use. The grace period is 51 days, you can purchase goods in any stores. When buying at partner points, the period is extended to 12 months. The card is issued and serviced for free. The rate is 29.8% per annum, it is convenient to follow the costs via SMS and Push notifications. The facility offers good mobile and internet banking.

The reviews note convenient ways to replenish. You can make a monthly payment online on the official website from any debit card. Accept transfers from third-party terminals. However, the bank has banned cash withdrawals. For late monthly minimum payment a penalty of 590 rubles is imposed. Information is included in the price for only 60 days, then it will cost 99 rubles per month. Free offer account statements, PIN code changes.

6 Avangard - “Mastercard Standard”

Avant-garde cannot be called the most famous bank, but it was he who issued one of the best Mastercard Standard credit cards. When making a grace period of 200 days. Then it is reduced to 50 days. Payment by card is accepted in all ATMs, retail outlets, countries. With her, the client gets free online banking. Registration is available on the official website and in any branch. The main feature is free annual maintenance when it reaches an average monthly turnover of 7 thousand rubles. The card gives access to 30% discounts at the bank’s partners.

The reviews call this choice one of the best for travelers. The card earns miles for the purchase of tickets, hotel reservations. If you bring a friend, they will give 3,000 bonuses. Annual maintenance will cost 600 rubles, when the condition is not met. SMS notifications are paid (49 rubles / month), the price does not depend on the number of cards or received messages.

5 Tinkoff - Platinum

Tinkoff Bank has been creating innovative products for its customers for almost 20 years. It works completely on remote maintenance, it has no ATMs and branches. All transactions can be performed in a convenient Internet bank or mobile application.

Platinum credit card is one of the most popular among the population. It offers the following conditions: a grace period of 55 days, free deposit of funds, a return of 1% of all purchases in the form of Bravo bonuses, an interest rate of 15% per annum. You can get a decision on issuing a card instantly, after which the employee will deliver it to your home within a few days. All operations are carried out in a simple and convenient application on the smartphone from the bank. Cash withdrawals are made at any ATM with a commission of 2.9% + 290 rubles. The grace period does not apply to this operation. Annual maintenance costs 590 rubles. The maximum credit limit reaches 300 thousand rubles.

Advantages: low initial interest rate, cashback on all purchases, convenient round-the-clock support, simple financial management through the application. Disadvantage: a large fee for withdrawing cash.

4 Eastern Bank - “Just”

By simply issuing a credit card, Eastern Bank became the best in terms of the length of the grace period. He is the only one in the ranking that instead of interest writes off 30 rubles each day. in the presence of debt. As soon as the client repays the amount, withdrawals stop. The limit is 120 thousand, there are no special restrictions on use. You can pay for purchases by bank transfer, withdraw funds at the terminals. There is no interest on the tariff for the card.

The reviews note the simplicity of design. The process can be completed at home using the Internet service. It takes 15 minutes to make a decision, the bank does not need documents. The card is sent by courier. Cash withdrawals are available at any ATM. Depositing money happens without commission online or in terminals. It is convenient to follow the movement of funds through free SMS notifications. Only such an advanced mobile offer, like the competition, the bank does not offer.

3 Raiffeisen Bank - "110 days"

Credit card "110 days" allows you to profitably pay for purchases both in ordinary stores and online. Within 3.5 months, interest on them will not be charged. If your spending per month exceeds 8,000 rubles, the service will be free. You can receive and issue a card on the same day. Cash withdrawals and online transfers are subject to a commission of 3% + 300 rubles. The lowest loan rate per year will be 29%. The credit limit is set in the range from 15 to 600 thousand rubles. at the discretion of the bank.

Main advantages: free service in case of observance of conditions, the big interest-free period, is quickly made out. Disadvantages: unprofitable online transfers and cash withdrawals, a high annual rate, the commission to replenish the card.

2 Sberbank - Golden Card

Gold card is designed to pay for purchases with a delay of payment within 50 days. This time is given for interest-free repayment of debt. During the first year, the bank does not charge a fee for servicing, which is very beneficial for holders. The credit limit is 600 thousand rubles. Applying is possible online; only a passport is required for this. Annual interest rate is set in the range from 23.9% to 27.9%.Each purchase has a cashback of 0.5%, which is returned in the form of “Thank you” bonuses. Managing your account can be carried out through the application on a smartphone, online banking or ATM. For cash withdrawals, 3% of the amount is retained (at least 390 rubles).

Advantages: favorable interest rate, cashback on purchases, convenient account management, good reviews. Cons: high cash withdrawal fee.

1 Alfabank - “100 days without%”

ATMs and branches of Alfa Bank are in almost any city in Russia. The line of banking products includes profitable mortgages, car loans, assistance to medium and large businesses, and deposits.

The card allows the holder to use the funds 100 days interest-free period. An important feature is that during the month you can withdraw cash up to 50,000 rubles. absolutely free. For the completion of the card is also not charged a commission. There are three statuses to choose from: Classic, Gold, Platinum. They differ in the size of the credit limit and the cost of service (from 1,990 to 6,990 rubles). The decision on extradition is made in 2 minutes, the questionnaire is submitted online. The interest rate per year starts from 23.99%.

Pros: 100 days of grace period, low interest rate, the best conditions for cash withdrawals, a large credit limit, excellent reviews. Cons: expensive platinum card maintenance.

Popular vote - which credit card with a grace period is the best?
We vote!

Raiffeisen Bank - "110 days"

Alfabank - “100 days without%”

Promsvyazbank - "Supercard"

Sberbank - Golden Card

Tinkoff - Platinum

Eastern Bank - “Just”

Avangard - “Mastercard Standard”

Home Credit Bank - Freedom

RosBank - "CanVSE"

VTB - "Multicard (credit)"

Total votes: 392

Vote results