Which bank has the best credit cards?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

2012 showed that bank customers increasingly want the most affordable product. These are credit cards. If a client suddenly needs a certain amount of funds, he will not need to go to a financial institution, waste precious time waiting. He can just go to an ATM and get money. What are the best credit cards of 2012? Are they the most convenient to use? Where are the best credit cards offered? This article discusses the offers of the most popular banks.

Good credit cards. Are they really beneficial to the client?

Due to the high level of competition, many financial institutions are forced to offer customers more loyal conditions for the provision of borrowed funds. The bet is on credit cards. They can serve not only as a source of obtaining funds. With a credit card, you can safely pay for goods or services in stores that have the appropriate terminal.

Sberbank offer

This institution provides credit cards with an interest rate of about 24% per annum. The maximum amount that can be provided to a client is two hundred thousand rubles. A nice feature is the presence of a "free period". This is the number of days during which interest is not charged for the use of funds. It is 50 days (calendar). There are several ways to top up a credit card. The first is the transfer of money from a debit account. This can be done using a terminal, Internet banking or even via a cell phone. The second option is to deposit cash into a terminal or an ATM designed for this purpose. The third way is to transfer money from an account in another banking institution.

Offer from the Bank of Moscow

To answer the question of where the best credit cards are provided, consider another financial institution. The Bank of Moscow offers the same credit card options, but with one difference. It consists in providing a loan in different currencies (ruble, dollar or euro). This banking product has a high interest rate, which is 26%. However, the maximum amount is three hundred and fifty thousand rubles. "Interest-free corridor" is also within fifty days. Debt recovery options are similar.

VTB24 offer

This institution offers a banking product such as "My conditions" Master Card. The grace period in this case is similar to the two previous options, the interest rate is 25%. In addition to the above methods of replenishing the balance, there is one more:the possibility of refunding funds through a specialized CONTACT network. To assess where the most profitable credit cards are provided, it is important to note that VTB24 returns 5% of purchases made using the product in question, including those made via the Internet.

Offer of Alfa Bank

This offer is characterized by a limited amount (up to 90,000 rubles). However, the annual rate varies between 19-29%. A credit card can be issued in both rubles and dollars. Product owners have access to promotions, as well as various affiliate programs.

It is worth noting that in order to answer the question of where the best credit cards are provided, it is important to take into account various features. So, some institutions are focused on certain clients. For example, those who spend a lot of time flying.