Top 10 Credit Cards

A credit card has long ceased to be just a quick way to get money from a bank. Today, banks offer many additional features to the owners of this product. Therefore, the benefit of such a card no longer depends only on the annual rate. And so, choosing which credit card is the most profitable is becoming increasingly difficult.

To help you figure it out, we ranked the best credit cards. It is based on the most important criteria - limit, low interest, installment plans and, of course, special offers for owners.

Each credit card of this rating is beneficial in something: one has a big cashback, the other has an increased limit or a high percentage of personal funds. But even among such different and useful offers we will help you choose the best credit card among the popular ones.

Top 10 profitable credit cards

The actual comparison table will help you quickly figure out which credit card is the most profitable in the top. But in more detail about the conditions, the positive aspects of each card and the benefits from its use can be found in the rating itself.

Card and Bank	Rate per year	Limit, rub.	Grace period, days	price, rub. in year
Tinkoff platinum	15%	300 thousand	55 (partners - up to 365)	590
"Conscience" (Qiwi Bank)	10%	300 thousand	from 30 to 365	not
“100 days without interest” (Alfa-Bank)	23,99%	500 thousand	100	1190
Platinum (Russian Standard Bank)	21,9%	300 thousand	55 (partners up to 365)	499
Halva (Sovcombank)	19%	350 thousand	up to 365 (with partners)	not
“Just a credit card” (Citibank)	22,9%	300 thousand	50	not
"With a grace period" Visa Classic (Rosselkhozbank)	21,9%	1 million	55	300
"Credit" (Renaissance Credit)	24,9%	200 thousand	55	not
"Multicard" (VTB)	26%	1 million	50	from 0 to 2988
“All at once” (Raiffeisenbank)	29%	600 thousand	52	1490

Attention, in the table you will find only the lowest interest on a bank card. In fact, it may be higher depending on the decision of the bank.

10 “All at once” (Raiffeisenbank)

An interesting offer from Raiffeisenbank with a profitable bonus program and good service. Gifts for holidays and certain bonuses rely on each client. The proposed credit limit of up to 600 thousand rubles. A 52-day grace period applies to purchases. In case of withdrawal during this period will have to pay 29% per annum.

The benefits and convenience of the card are in several factors. First is Visa Gold. This means that the owner will be able to enjoy all the discounts and privileges that they are entitled to by card status. Secondly, Raiffeisenbank allows you to make an individual plastic design. Also, the card has an interesting feature - cashback depends on the amount of spending. For each operation, bonus points are awarded that can be exchanged for real money or certificates. In this case, the more points will be in the account - the better the exchange rate will be. Favorable gifts will be received by each client - bonuses are sent out on Birthday, New Year and in honor of the first purchase on the card.

9 "Multicard" (VTB)

The most popular VTB credit card with excellent customer reviews.It is convenient, simple and quite profitable. I am glad that the card allows you to get a fairly large credit limit of up to 1 million rubles at 26% per annum. There is a grace period of up to 50 days and five cashback categories. With proper use of the card can be very useful.

I am glad that "Multicard" allows you to receive a percentage on the balance of personal funds - up to 6%, depending on the level of spending. Another card is beneficial because it is enough to pay only 3% of the debt each month. So in case of sudden lack of money, you can get by with minimal fees and not worry about the possible consequences. The service can be absolutely free if you spend at least 5 thousand rubles a month from the card. In addition, the "Multicard" has a convenient cashback - for those who spend a lot of money, it can reach 10% for some products. And the category with the maximum "return" can be chosen independently - there are several cashback programs.

8 "Credit" (Renaissance Credit)

A convenient and simple credit card with a small limit - up to 200 thousand rubles at 24.9% per year. Ideal for those who buy the card "just in case." Does not require money for maintenance - it may just lie in your wallet for several years as a stash for a rainy day. A grace period of 55 days will allow you not to run into interest if you manage to return the debt quickly.

Favorable card is not only free. She will please the owners of the bonus program "Simple joy". For each purchase a certain amount of points is charged - from 1% for any purchases in stores up to 10% for the purchase of goods in certain categories or on the offered shares. One bonus equals one ruble. The points themselves can be spent on special products offered by Renaissance Credit. But it is acceptable to pay for a mobile phone or utilities services. So with frequent use of the card it is easy to significantly reduce the costs of these categories of expenses. Under the program, you can even get a refund of up to 100% of the money if you buy goods for points.

7 "With a grace period" Visa Classic (Rosselkhozbank)

One of the best cards in terms of credit limit and interest rate. Allows you to take really large amounts of debt - up to 1 million rubles. And the grace period has not gone away - you can return it taken within 55 days without interest (from 21.9% per year).

Favorable card will be those who have approved a large credit limit. Indeed, in this case, you can use large amounts with minimal costs for their "maintenance". And this concerns not only the annual rate. The card itself will cost only 300 rubles per year of use. I am also glad that a loyalty program called “Harvest” is automatically connected to the card. Due to it, you can receive gifts from a special catalog - for every 100 rubles spent, you will receive 1.5 bonus points that you can spend on them. Given the large expenses, points will accumulate quickly. And in the gift catalog there is everything - from airline tickets to large household appliances. So there is something to choose from.

6 “Just a credit card” (Citibank)

Profitable credit card with a convenient program. Using it, you do not have to worry about anything - the name speaks for itself. You can get up to 300 thousand rubles. The rate is quite high - from 22.9%, so that in the ranking it is far from the first place. But the big benefit of plastic eliminates this disadvantage. In addition, a 50-day grace period applies to purchases. Reviews confirm - plastic is really easy to use, convenient and pleasant.

The main benefit of a Citibank credit card is absolutely free. You do not have to deduct money neither for service, nor for cash withdrawals at an ATM, nor for late payments. Even an additional card can be issued free of charge and not pay for its service. There is only a fee for depositing funds to the account through the cashier - 250 rubles for amounts up to 45 thousand rubles.Anything higher or embedded through an ATM is not payable. And finally, there are separate installment programs with low interest rates - you can get a rate of 18% per annum on them.

5 Halva (Sovcombank)

The most popular installment card with excellent conditions, allowing you to receive goods in an interest-free loan for up to 12 months. This is very convenient if you purchase products from Sovcombank partners. The list of stores with such conditions includes the largest stores of different directions, so there will be no problems with this. The limit is up to 350 thousand rubles. After the end of installments the rate will be kept at 19%.

The card does not just allow you to buy goods and services in installments from partners. It is beneficial due to the large interest on the balance - up to 7.5% per year. So it can be safely used to store your own funds. Together with a flexible cashback from 1 to 20% (for wasting your money), it looks like a very good option. Another benefit is an excellent application that allows you to easily monitor the timing and amount of payments, manage a credit card and select stores for future purchases with better conditions.

4 Platinum (Russian Standard Bank)

“Platinum” credit card with the best cashback in the rating. It will not just allow you to buy goods on credit with a grace period of 55 days (and if you take something from your partners, it will be up to 12 months in installments). But also to receive from this favorable return of funds. The card limit is 300 thousand rubles, the rate is 21.9% per year, which is an average value.

The benefit of the card is an excellent cashback. It is up to 15% when shopping at partner stores and up to 5% in certain categories of goods. Less than the ranking leader. But there is a big plus - you can choose categories, so it is easy to adjust the cashback benefits to yourself. For all other purchases, the return is 1%. Also I am glad that you can withdraw money from an ATM and not pay a commission for it, but only within 10 thousand rubles a month. For such a Platinum package of services from the Russian Standard costs ridiculous money - only 499 rubles a year, which makes it even more profitable.

3 "100 days without interest" Classic (Alfa-Bank)

Universal credit card with a large grace period from one of the leading banks in the country. Allows you to get a loan of up to 500 thousand rubles at 23.99% after the end of installments. In addition, she can easily pay off the debt on the card in another bank. Credit card honestly takes place among the best cards due to the set of functions offered by Alfa-Bank.

First of all, the card benefits from its versatility. It is perfect for everything - paying for goods in installments for 100 days, withdrawing cash without a commission (up to 50 thousand per month) and using it as a standard credit card. 100 days without interest will apply even to money withdrawn from ATMs, so you can safely use the cash, which is not available for most other cards. Also I am glad to have the opportunity to pay the minimum 3-10% of the debt in a grace period, which is convenient in the case of lack of money. Finally, you can replenish the card at an ATM, transfer from another bank or from a card for free. No commissions are provided.

2 "Conscience" (Qiwi Bank)

One of the most popular installment credit cards with excellent reviews. It allows you not only to take goods on credit, but also not to pay interest at the same time. The limit is approved up to 300 thousand rubles, while in the event of going beyond the installment plan, you will have to pay extra 10% per annum - this is the most profitable interest rate among all credit cards.

Not only the minimum interest rate, but also the installment plan for goods makes this card profitable. When shopping with partners, you can forget about the interest for a period of 1 to 12 months. You can use “Conscience” in the standard mode (purchases from partners only) for free.But there is a big plus - for only 499 rubles a month, this card can be turned into a full-fledged credit card with the ability to pay in general in all stores. Thanks to this feature, the installment card has climbed so high. There are also many other additional functions - for example, the extension of installments for 10 months in three options - for one purchase, a month or 10 months.

1 Tinkoff platinum

First place deservedly takes the best credit card from Tinkoff Bank. It combines everything you need in convenient proportions and is enhanced by great service. Plastic allows you to get up to 300 thousand rubles at a favorable 15% per year. A grace period of 55 days is available. Shopping with some partners allows you to get installments up to 12 months.

The main plus of Tinkoff cards is the ability to refinance a credit card of another bank without a fee. But it is not easy to refinance, but to receive installments for a repaid loan of 120 days in size. If during this time to have time to pay the debt, then not a single extra penny will not be withdrawn. Adds points to the credit card benefit and the fact that you will not have to spend time on getting a card. It is ordered in 5 minutes on the bank website. After that, it is enough just to wait until the credit card is approved and brought at a convenient time to work or home. Finally, there are excellent conditions for bonus points - for each purchase from the card there will be at least 1% of the money spent back. Some offers allow you to receive up to 30% cashback.

Popular vote - which credit card is the most profitable?
We vote!

Tinkoff platinum

"Conscience" (Qiwi Bank)

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

Platinum (Russian Standard Bank)

Halva (Sovcombank)

“Just a credit card” (Citibank)

"With a grace period" Visa Classic (Rosselkhozbank)

"Credit" (Renaissance Credit)

"Multicard" (VTB)

“All at once” (Raiffeisenbank)

Other

Total voted: 18

Vote results