15 best cashback credit cards

Vostochny Bank is included in the 100 most reliable banks in Russia according to Forbes magazine. This speaks volumes. The Bank is constantly expanding its products and developing a variety of areas. It presents credit cards for students, motorists, travelers and other categories of customers.

A convenient option for those who want to manage their own cashback is the CASH-BACK credit card of the same name. The client can choose five categories, purchases in which will provide a 15% refund. In addition, the holder will receive 4% of the income on their own money. With the card, you can make purchases in the amount of up to four hundred thousand rubles. A 56-day grace period will allow the client to manage funds more profitably. The downside will be a high interest rate of 24%, but free Internet banking and the lack of annual maintenance slightly offset the costs. In addition, from the minuses it is worth highlighting the paid registration of the main card, it will cost 1000 rubles.

The Black credit card from Russian Standard Bank is one of the best deals on the market. The financial institution returns to the client up to 25% of the funds spent in partner stores, 10% for purchases in clothing stores, restaurants and gas stations, in addition, 1% will be returned from all other expenses.To receive the declared cashback, the card user must make monthly transactions in the amount of 10 thousand rubles. Additional cashback from 2 to 6% is provided for spending on the website travel.rsb.ru.

The conditions for using a credit card are quite favorable. The bank provides 55 days of grace period. Free cash withdrawal during the first month, limit up to 600 thousand rubles. Owners in the reviews appreciated not only attractive cashback conditions, but also high-quality service, convenient online banking and good customer support. Among the shortcomings, we would like to note the interest rate from 21.9% per annum, which is calculated individually and as a result can be much higher. Annual maintenance is also high - 4900 rubles, debited once for the whole year.

Ural Bank for Reconstruction and Development offers customers a very advantageous credit card with up to 10% cashback in certain categories. The only inconvenience is that the latter are chosen by the bank itself and changed every three months, they are not always suitable for the holder. However, the owner still receives a 1% bonus on other purchases. Cashback is credited once a month based on the results of the previous billing period. It is worth noting that the terms of use are also quite interesting.

Firstly, the bank offers the longest grace period, 8 months the borrower has the opportunity to use the funds without interest, provided that the money is not cashed.Secondly, issuing a credit card and withdrawing cash (no more than 50 thousand rubles per month) are free. Transfers to accounts and cards of third-party banks are carried out without commission. We have found the following shortcomings. Maintenance is 599 rubles per month, it can be free if you make purchases in the amount of 60 thousand rubles, which is quite a lot. It is also not worth withdrawing money from the card, the interest rate on these funds is 55.9% per annum.

Since 2018, Promsvyazbank has been the backbone for the implementation of large government contracts and defense orders. According to the Bank of Russia, it is included in the list of 11 systemically important credit institutions and is in 9th place in terms of assets. He makes one of the most profitable offers - the Double Cashback card.

It is profitable to go to the cinema and a restaurant, use taxi services or parking with a Double Cashback credit card with a significant limit of up to six hundred thousand rubles and a rate of 26% per annum. By using the card in these categories, the holder will receive up to 10% back. In addition, the bank will return 1% of the funds spent from all purchases. A decent grace period of up to 55 days and inexpensive service (990 rubles per 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 highlight in their reviews are: a single rate, points for replenishing the card. And the shortcomings should be noted expensive informing by SMS (69 rubles).

Credit card "Alfa Bank" Yandex.Plus will be an excellent choice for active users of various products of the Russian search engine. As for the cashback itself, the bank offers the following conditions: up to 10% will be returned for paying for Internet services; up to 6% for trips using the Travel Alfabank service; 5% is returned from payment for goods in the categories of restaurants, entertainment, sports and education; 1% for all other purchases. To receive increased deductions for using Yandex.Plus, you need to make monthly purchases in the amount of 5,000 rubles or more, have a subscription to the service, and link the card to your account.

The conditions for using a credit card are quite favorable with a reasonable approach. The limit of borrowed funds is up to 500 thousand rubles. A good grace period is provided, within 60 days from the date of debiting the money, the user can return them without interest. The rate is from 11.99% per annum, calculated individually. Among the shortcomings, it is worth noting the high percentage for cash withdrawals and transfers.

Raiffeisen Bank does not make offers to users with ornate conditions, when a number of specific requirements have to be met in order to receive a cashback. Cardholders simply use the payment instrument for its intended purpose and receive 1.5% back on all purchases. There are no restrictions on categories or amounts. Cashback is credited to absolutely all purchases, regardless of their size. In the Internet banking service, at any time you can control the receipt of the bonus and see the specific return for each payment.

The card is beneficial for a number of reasons: free service; grace period up to 52 days. The interest rate is not the smallest, from 19%, the final value is determined on an individual basis. Available credit limit up to 600 thousand rubles. Users in the reviews noted the quick issuance of the card and free delivery. It is very convenient that you only need a passport to apply and you can do it remotely on the bank's website. Among the shortcomings, it is also worth noting the impressive commission for withdrawing funds.

SOVCOMBANK is one of the 15 largest banks in the country in 2018. It provides an opportunity for profitable investments, gives preferential terms to pensioners, and constantly develops new product lines. But the most popular offer is the Halva card, which makes it possible to buy goods in installments from any of the partners (Metro, Snow Queen, Megafon, Lukoil, Kari, etc.) and return the money spent without interest up to 1 to 18 months . The card provides a cashback on all purchases in the amount of 1 to 6% for monthly expenses from 10 thousand rubles. A favorable condition is also the accrual of up to 7.5% per annum on the balance of personal funds on the card. Registration and service are free, as well as home delivery. Credit limit - 350 thousand rubles.

The advantages noted by users in the reviews: free release, delivery, maintenance, SMS informing, a very long interest-free period when buying from partners. There are many disadvantages: it is impossible to withdraw cash, a large commission for transferring to another card, cashback is charged only if 5 purchases are made in the amount of at least 10,000 rubles.

Ural Bank for Reconstruction and Development offers customers several loan products with a profitable cashback, one of them is the “I want more” card.It is worth noting that the offer is very interesting: 120 days of grace period; no service fee for purchases from 15 thousand rubles; fast processing and free shipping. A convenient mobile application will allow you to track expenses and receipts, as well as not to miss a planned payment. Cash withdrawal is free, provided that the amount per month does not exceed 50 thousand rubles. Interest rate from 17 to 29% per annum upon exiting the grace period.

As for cashback, everything is simple. The cardholder gets up to 3% back on absolutely all purchases. There is no need to select certain categories or spend any set amount. It should be noted that servicing the card, provided that the owner does not spend more than 15 thousand per month, will cost 250 rubles. You can pay every billing period, which is more reasonable, as costs may change, or once a year. Among the shortcomings, it is worth noting a considerable interest rate and an impressive commission for transfers (5.99%, but not less than 500 rubles).

Otkritie Bank provided the owner of the Opencard card with flexible terms of use, under which the client can once a month choose the cashback option that is beneficial to him - 3% 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 13.9 to 29.9% per year. Within 55 days you can use funds without interest. An important feature is that the annual service is free, 500 rubles per issue are charged at a time, which, with purchases from 10,000 rubles.returned in the form of bonuses. For cash withdrawal at an ATM or transfer, you will have to pay a commission of 3.9% + 390 rubles.

The low cost of maintenance and the ability to choose the desired cashback option will certainly please the holder. Among the shortcomings - a large commission for cash withdrawals and transfers, which are not covered by the grace period, bonuses can be spent only when accumulating 3000 pcs.

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

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

Alfa Bank has a large number of subsidiaries, including the travel.alfabank.ru service, for which the ALFA TRAVEL co-branded card has been issued.According to the terms of use, the holder receives up to 8% in miles from the purchase of services on the site presented and up to 2% for other expenses. A special advantage of the loan product is that you can pay with bonuses for tickets of absolutely any airline without restrictions. In addition, the cardholder receives a large number of travel privileges, a full list of which can be assessed on the bank's website.

The available credit limit is up to 500 thousand rubles and is calculated individually. The interest rate is quite high, from 23.99% per annum. Service fee - from 990 rubles, depends on the selected service package. There is a grace period of up to 60 days. The latter makes a credit card a convenient and profitable financial instrument with the right approach. Otherwise, ALFA TRAVEL is recognized as one of the best according to the results of independent marketing research of reputable agencies and, of course, deserves the attention of users.

"Vostochny Bank" is mainly engaged in deposits and loans to the population. It has been in existence for over 20 years and has extensive experience in developing profitable offers. Bank credit cards provide a good cashback for various purchases. Fans of frequent trips abroad will appreciate the Traveler's Card. The limit of 400,000 rubles will make it possible to turn the most daring route plans into reality, 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, 5% will be returned. For purchases in other categories, a 2% cashback will be credited to the card.The only negative is the high rate of 24% per annum. The bank provides luggage insurance for the duration of the trip absolutely free of charge. Management takes place through Internet banking. The card is equipped with the possibility of contactless payment. She deservedly entered the rating of the best credit cards with a profitable cashback.

In Promsvyazbank, customers can make a deposit on good terms, open an account or get a loan. The bank has a wide range of services and is firmly entrenched in the rating of the best, according to the population. The World Without Borders card is one of the most advantageous offers of Promsvyazbank. For purchases in the "Travel" category and any expenses abroad, 3 miles are credited for every 100 rubles, in other cases - 1.5 miles. The client himself decides for purchases in which categories he would like to receive a bonus. There are the following options to choose from: buying a tour, paying for a cruise, purchasing railway and air tickets, as well as booking rooms and cars.

The accumulated funds can later be spent on 100% payment for the cost of any trip. An advantageous condition is the possibility of replenishing the account from cards of other banks. The cost of maintenance for the year is 1990 rubles. A bonus will be the registration of free insurance when traveling abroad. You can return funds on preferential terms within 55 days. The minimum rate is 26.5% per annum.

Ak Bars offers customers a credit card with very attractive bonuses for travelers. According to the terms of use, up to 5% is returned when connecting to the Universal Miles program on the bank's website. If desired, you can get a bonus and rubles. In addition, there is a cashback on other purchases of 1% for spending less than 20 thousand per month and 1.25% after overcoming the established threshold. The product pleases with a grace period of 55 days and no commission for cash withdrawals.

But it should be borne in mind that the latter increases the interest rate, which for non-cash transactions from 17.9%, and if money is received in hand or transferred to cards of third-party banks, it rises to 26-32.5%. The maximum limit is 500 thousand rubles, calculated on an individual basis. Another advantage that holders note in the reviews is the accrual of welcome miles in the amount of 2000. Among the disadvantages is expensive service, the commission is 2189 rubles per year.

Tinkoff is a new generation bank that develops loan offers based on the preferences of its customers. Credit cards are the main product. For those who travel frequently, the ALL Airlines card 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 buying plane tickets in other places.All purchases receive 2% cashback. Bonuses are returned in the form of miles, which can be spent on tickets at the box office or online, as well as on upgrades to the class of service.

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