In which bank are the most profitable credit cards?

2012 has shown that customers of banks are increasingly willing to get the most affordable product. These are credit cards. If a client suddenly needs a certain amount of money, he will not need to go to a financial institution, spend precious time waiting. He can just go to the ATM and get money. What are the most profitable credit cards of 2012? Are they as user-friendly as possible? Where are the most profitable credit cards offered? In this article, we consider the proposals of the most popular banks.

Advantageous credit cards. Are they beneficial to the client?

Due to the high level of competition, many credit and financial institutions are forced to offer customers more loyal terms for the provision of borrowed funds. The rate is on credit cards. They can serve not only as a source of money. Credit card can safely pay for goods or services in stores that have a corresponding terminal.

Sberbank's offer

This institution provides credit cards with an interest rate of about 24% per annum. The maximum amount that can be given to the client is two hundred thousand rubles. A pleasant feature is the availability of a "free period". This is a number of days, during which no interest is accrued for the use of funds. It is 50 days (calendar). You can make a credit card replenishment in several ways. The first is the transfer of money from a debit account. This can be done using a terminal, an Internet bank or even a cell phone. The second option is to deposit cash into the terminal or an ATM intended for these purposes. The third way is to transfer money from an account in another banking institution.

Bank of Moscow offer

To answer the question about where to provide the most profitable credit cards, consider another financial institution. The Bank of Moscow offers the same options for credit cards, but with one difference. It is 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. Possibilities for repayment of debt are similar.

Offer of VTB24

This institution offers such a banking product as "My Terms" Master Card. Grace period in this case is similar to the two previous options, the interest rate is 25%. In addition to the above ways of replenishing the balance, there is one more: the possibility of a refund 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 with the product in question, including those made via the Internet.

Alfa Bank offer

This proposal is characterized by a limited amount (up to 90,000 rubles). However, the annual rate varies between 19-29%. The credit card can be issued both ruble and dollar. Owners of the product are available shares, as well as various kinds of partner programs.

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