10 most profitable credit cards

The MTS Cashback credit card from MTS Bank initially attracts with a low percentage, however, as always, only the minimum value of 11.9% is indicated in the advertisement, and the tariffs already speak of a plug of 11.9-49.9%. For cash withdrawals, the rate is up to 69.9%.But let's not forget that any credit card is beneficial only if the debt is repaid within the grace period, and it is not bad here - as many as 111 days. You can not pay for the service for the first 2 months, and then - only if you spend more than 8,000 rubles a month. The minimum payment is standard, 5%.

The card allows you to take part in the loyalty program and receive 1% cashback on everything, 5% in certain categories and 25% on purchases from partners. It's nice that a profitable 5% return applies to food delivery services, at Lukoil gas stations and purchases in supermarkets (if you have an MTS premium subscription).

The credit "Card of Opportunities" from VTB Bank allows you to count on a limit of up to 1 million rubles, 100,000 rubles can be obtained with one document. The interest-free period of 110 days is valid not only for purchases, but also for cash withdrawals, as well as fund transfer transactions. The minimum card payment is only 3%, which is one of the smallest values ​​among the cards presented in the rating. The interest rate depends on the type of transaction. So, for purchases, it is at least 19.9%, but for cash withdrawals - 49.9%.

The advantages of the card include a good cashback. As a standard, it is 2-2.5% depending on the category, but for purchases from partners you can already get an impressive 30%. Registration and maintenance of the card will not cost anything to its owner.

The Razumnaya credit card from Renaissance Credit Bank will please you with an impressive limit of 600,000 rubles and a fairly comfortable grace period of 145 days, which applies to all operations without exception. But its benefits don't end there. Maintenance of the card is 0 rubles always and without any conditions, its delivery to the client is also free of charge. The interest rate for payment for goods and services is 34.9%, and for cash withdrawals - a high 69.9% per annum.

The card advertisement mentions 100% cashback, but the details of this offer are not so easy to find. In fact, this is a promotional offer with a limited validity period, which involves the accrual of 2000 bonuses when applying for a card online and making a purchase in the amount of 2000 rubles or more during the promotion period.

Credit card "More is possible" from "Moscow Credit Bank" quickly became popular. She received a limit of up to 800 thousand rubles, which is quite a lot. At the same time, the annual rate starts from 21%, and the grace period is quite long - you can not pay interest up to 123 days of using the funds. Annual maintenance costs 499 rubles, but subject to the conditions of the bank (120 thousand rubles of spending per year), it will be free.

A credit card allows you to withdraw without commission up to 50% of the credit limit per month (without a grace period). That is, you can get up to 400 thousand a month for free and pay only interest - this is the most loyal restriction among all banks in the rating. But the grace period does not apply to cash withdrawals.The card has a cashback in points, which brings a 5% return in one of the bonus categories. The categories change every two months. Any other spending brings a refund of 1% of the amount.

Profitable and really simple credit card with a convenient program. Using it, you do not have to worry about anything - the name speaks for itself. The credit limit for new customers is limited to 300,000 rubles, but for current customers it can be 1,500,000 rubles, and for those using the Citigold premium package up to 3 million. Interest rate from 20.9 to 39.9%, purchases have a grace period of 50 days.

The main benefit of a Citibank credit card is that it is absolutely free. You will not have to deduct money either for service, or for withdrawing cash from an ATM, or even for overdue payments. An additional card can be issued free of charge and you do not have to pay for its maintenance.

The most popular installment card with excellent conditions that allows you to receive goods on an interest-free loan for up to 36 months. This is very convenient, especially if you purchase goods from partners of Sovcombank. In fact, each seller himself sets the installment period and it is rarely large. The limit is up to 500 thousand rubles. Surprisingly, even after the end of the grace period, the interest rate will be 0.0001% per annum, this is an incredibly low percentage.An installment payment is the purchase amount divided by the number of months of the grace period, but there is also the concept of a minimum payment, which is 1/20 of the debt amount. For the possibility of paying the minimum payment, a commission of 3.9% of the amount of the debt is provided, this is the main catch of the Halva card.

The card does not just allow you to buy goods and services in installments from partners. It is beneficial due to a solid interest on the balance - up to 12%. So you can safely use it to store your own funds. Cashback from 1 to 6% when paying with your own funds. Another benefit is a great application that allows you to easily monitor the terms and amounts of payments, manage your credit card and select stores for future purchases with the best conditions.

FC Otkritie Bank offers up to 500 thousand rubles as a credit limit at 39.9% per annum. The rate seems quite high, but in fact it is quite comparable with other offers. The grace period is 55 days, during which the client does not have to pay interest for the use of funds. As advantages, one can note the free issue and maintenance of plastic, as well as increased cashback. In the first 3 months of using the card, you can get a 5% return, then the rate will be more modest and will be the standard 1.5-2%.

The card did not receive a percentage of the balance or other features that would allow it to break into the TOP 3 of the best. But it can be replenished without commission from any bank cards.

Alfa-Bank's Year Without % credit card has become a real discovery for many, because such favorable conditions are hard to imagine. Not paying interest for a whole year is an incredible generosity, but it is available only in the first 30 days, then the interest-free period will not exceed 100 days. The credit limit on the card is up to 500,000 rubles, interest rates from 9.49% for purchases, and from 34.9% for cash withdrawals. The minimum monthly payment is set individually and is 0-10%, but not less than 300 rubles. The service is always free.

The conditions for this card change regularly So, the free card service was originally announced as a limited-time promotion, but now it has been extended. The same applies to the annual grace period.

The Sberbank credit card received a simple and concise name "Sbercard", which does not fully reflect its advantages. And there are a lot of them. For example, the interest rate on it is from 9.8%, although such a low percentage only applies to purchases in pharmacies and the SberMegaMarket marketplace. If you spend money somewhere else, then the rate is already 27.8%, which is quite good. Surprisingly, the 27.8% rate applies without the "from" wording and applies even to cash withdrawals. Credit limit - up to a million. The service is always free.

But the main advantage of the Sbercard credit card from Sberbank is a unique approach to calculating the grace period.Here, a new grace period begins every month, regardless of whether the debt on previous purchases is repaid. No other bank offers this.

The first place is deservedly occupied by the best credit card from Tinkoff Bank. It combines everything you need in convenient proportions and is supported by excellent service. Plastic allows you to get up to 700 thousand rubles of a credit limit, the percentage varies from 12 to 35.68% per annum (for the purchase of goods and services), from 30 to 59.9% (for cash withdrawals). A grace period is available for 55 days for any purchases and 120 days for repayment of loans from other banks. Purchases from some partners allow you to get installments up to 12 months.

The main plus of the Tinkoff card is the ability to refinance a credit card from another bank without a commission. But not just refinance, but get an installment plan for a repaid loan in the amount of 120 days. If during this time you have time to pay the debt, then not a single extra penny will be withdrawn. It adds points to the benefit of a credit card and the fact that you do not have to waste time getting a card. It is ordered in 5 minutes on the bank's website. After that, you just need to wait until the credit card is approved and brought to work or home at a convenient time. Finally, we are pleased with the excellent conditions for bonus points - for each purchase from the card, at least 1% of the spent will be returned. Some offers allow you to get up to 30% cashback. Maintenance per year costs 590 rubles, but if the card is ordered and not used, then you won’t have to pay anything.