Card with cashback - which one to choose and who offers the best cards with cashback + 5 stages of processing a card with Cash Back

Hello dear readers of Rich Pro! In this article, we will talk about cards with cashback: what is it, which card with cashback to choose and how to draw it up correctly, as well as which banks offer the best cards with Cash Back this year.

At the end of the publication you will find answers to questions that arise most often.

It is useful to study the presented publication both for those who plan to become the owner of a bank card with a cashback, and those who already use it. This will help to understand how right the choice turned out to be.

In order not to waste time and start taking advantage of the tool in question, study the article right now.

We will talk about what a cashback card is, which one is better to choose and where you can get the most profitable cashback card - in this issue

1. What is a cashback card - an overview of the concept 🗒

So what do they mean when talking about cards with cashback?

Cashback Card (translated from Englishcashback literally means"Cash back") is a bank card, the terms of which provide for the return to the client of a part of the funds spent non-cash for settlements for goods or services.

The percentage of return on each type of card is determined independently by the bank that issued them. On average in Russia, the value of cashback varies within from 0.5 to 10% of the purchase amount. Most banks offer a refund of 1% money spent.

Cashback can be listed as:

• Money;
• various bonuses;
• by replenishing a mobile phone.

2. How to choose the most profitable card with cashback - 5 options when choosing a cash back card

Making a choice with a variety of cards with a cashback can be difficult. Constantly doubts whether the proposed option is suitable for you. The task is greatly facilitated by the knowledge of the criteria that should be considered in the selection process.

Below are the main parameters of cards with cashback, a comparison of which will help to choose the best option.

Parameter 1. Cashback value

Each bank decides for itself what part of the spent money it will return in the form of cashback. In Russia, most often the size of this parameter is in the range from 1 before 10%.

Sometimes the cashback value is determined by the type of goods and services purchased using the card. Usually minimum return banks offer all goods.

What goods and services to provide increased cashback, credit organizations decide based on their own marketing policies.

Option 2. Categories for which returns are expected

Banks often set the cashback size depending on the category of goods and services purchased with a card. Some credit organizations provide 2-3 ten such groups. It can be pharmacies, supermarkets, airlines, restaurants, cafes, entertainment facilities.

Often, banks allow cardholders to choose for themselves which categories they will be charged increased cashback size. Moreover, they can be changed periodically. To get the maximum benefit, you should choose cards with a suitable return category.

Parameter 3. Cashback payment form

When choosing cards, it is important to consider in what form the returns will be made.

The most commonly used payout options are:

1. real money;
2. bonus points that can be spent with partners of the bank;
3. discount on bank card services.

It is most convenient when cashback is paid in real money. If it is supposed to accrue bonuses, to draw up such a card is only for those who regularly use the services and goods of the company in which they can be spent.

Parameter 4. Card Type

Most banks today refund part of the money spent on both debit and credit cards. However, many argue that using credit cards is often even more profitable.

Benefits of using credit cards with cashback:

1. Many banks set credit cards to encourage customers to issue credit cards. higher cashback size;
2. If a grace period is provided for on the card, its owner can use borrowed funds, receiving cashback and not paying interest. At the same time, own funds can be placed on a short-term deposit in order to generate income.

However, debit cards with cashback deserve the attention of customers. In addition to receiving cashback, owners of such plastic can count on additional income in the form of interest on the balance.

Parameter 5. Card Maintenance Cost

Choosing a bank card, customers usually focus not only on the size of the cashback, but also on the cost of service.

There are 3 types of bank cards according to the principle of calculating the commission:

• paid;
• partially paid;
• completely free.

Belonging to one of the above types depends on the conditions that banks have developed for a particular card product.

Important! Many credit organizations claim that the plastic they produce is completely free. However, you should be as careful as often only the first few months of service are free.

Some banks do not charge a fee only if certain conditions are met, eg, while maintaining a certain amount of account balance.

By methodically analyzing the criteria discussed above, you can choose the best cashback card.

A step-by-step guide on how to draw up a cashback card

3. How to draw up a card with a cashback - 5 basic steps to get a card with a cashback

Making a cash card with a cashback is not much different from receiving any other plastic. Nevertheless, there are some features of this procedure. To cope with the process the first time, you should read the detailed instructions.

Stage 1. Choosing a credit organization

Today, a huge number of banks offer a cashback card. Therefore, everyone can find a suitable offer. However, choosing the best from various programs is not easy. We have to analyze and compare the conditions in a large number of banks.

Saving a significant amount of time helps specialized services and resources. Such sites help compare the terms of cards with cashback offered in various banks.

To make the right choice, it is important to carefully review the information provided. After that, the selection no less 3banks.

The next action should be study reviews about selected credit organizations on the Internet. However, do not trust them on 100%, since some of them may be custom-made.

Stage 2. Choosing a card product

In most cases, in the process of choosing a bank card with cashback, customers focus on the percentage of return. However, they do not know that such an approach is not always optimal. High cashback size does not guaranteethat such an offer will be the most profitable.

It is important to pay attention not only to the percentage of return, but also to the terms of payment:

• card service cost;
• established restrictions and additional requirements;
• list of bonus programs.

When choosing a card with a cashback, it is important to rely on your own lifestyle. To make the right choice, you should determine what expenses the future owner carries out regularly.

Further, it remains to compare these categories with those for which returns are made using the selected cards. This is the only way to understand which of them will be optimal.

It should be remembered that when choosing a card with a high level of cashback for practically unused categories, you should not count on high returns. To make the plastic really profitable, its cost should not exceed the size of the received cashback.

Stage 3. Application processing

When a card with a cashback is selected, it will remain to fill out an application. There are several ways to do this:

• in person visiting a bank branch;
• a call to the call center;
• via the Internet on the website of a credit institution.

Regardless of which option is chosen, you will definitely need to make an application passport. Information from it must be entered in the proposed form.

Note! In most cases, credit organizations do not give an agreement on plastic cards. The fact is that their design is carried out on the principles of a public offer.

Such an agreement is understood as a bank offer drawn up through various publicly available sources. It contains all the information necessary to complete a transaction.

For a public offer to take effect, it must be accepted, that is, confirmed. By cards exactly the transfer of the application for registration to the bank is such an acceptance.

Making plastic under such conditions can significantly facilitate the procedure for obtaining. However, it is important to be extremely careful and still before sending the application examine all the documents and conditions posted in the office of the credit organization or on its website.

Stage 4. Getting a card with cash back function

When the application is approved, it remains to wait for the production of the card. The duration of this process depends on the conditions provided by the issuing bank. On average, in the Russian market it is equal to from 1 to 10 days.

However when contacting the bank office, where there is a processing center, you can get a card during few hours.

When issuing a plastic card in online mode its readiness to the future client is most often reported through sms. After receiving it, it remains to visit the bank branch and get a card. Some credit organizations independently deliver plastic to the address convenient for the client.

Before you go for a card, it’s worthwhile to clarify again at what time it can be obtained, as well as what documents are required. This approach will help to pick up the card quickly and the first time.

Step 5. Starting to use the card and getting a cashback

When a card is issued, it remains only to pay with it in order to receive cashback. It is important to remember the conditions for its accrual and not to forget to observe them. Refunds are made within the period determined by the card servicing rules.

Often, owners of plastic with a cashback immediately after receiving start to acquire with it exclusively goods and services for which the maximum return is paid.

Specialists do not recommend doing this. They remind that when using only the increased cashback, the bank may consider that the client is abusing the services provided. In this case, the refund may not be paid.

Guided by the instructions presented, you can easily draw up a cashback card and learn how to use it with maximum benefit.

4. Which banks offer the best cashback cards in 2019 - TOP-3 credit organizations with favorable conditions

To choose from the huge number of banks offering cards with cash back, the best one will have to spend a lot of time.

You can save it by using ratings that are specially made by professionals. They study several dozen offers of various banks and choose the most profitable ones from them. An example of such a rating is presented below.

1) Alfa Bank

Among the advantages of Alfa-Bank traditionally distinguish:

• wide network of branches;
• Individual approach to each client;
• favorable terms of service;

Moreover, new products are regularly developed here that keep up with the times.

Cashback Card earned huge popularity among Alfa-Bank customers. Credit organization issues such a card 2types - credit and debit.

Having issued any of these cards, the client can expect to receive:

• 10% from the amounts spent on gas stations;
• 5% from checks Cafe and restaurants;
• 1% from all other payments for goods and services.

The main conditions of the debit card will be as follows:

• income up to 6% on the balance;
• issue and execution without charging a commission;
• service cost - 1 990 rubles annually;
• cashback value can reach 5 000 rublesif the cost of the card in any retail outlets is no less 30 000 rubles.

If you issue a credit card of the type in question, the conditions will be as follows:

• limit to 300 000 rubles;
• grace period until 60 days, including cash withdrawal;
• the beginning of the interest-free period from the moment of the first operation;
• discounts up to 15% when settling with partners of a credit institution;
• cashback to 3 000 rubles per month at a flow rate of at least 20 000 rubles.

2) Tinkoff Bank

Tinkoff is one of the most popular Russian banks. In our country, this is the only credit institution that conducts its activities completely remotely, that is, without using offices.

The most famous are the card products of the bank. His debit and credit plastic takes about 11,5% of the entire Russian market.

Debit card Tinkoff black brings its owner double income:

1. to the balance of the account in the amount of up to 300 000 rubles accrued 6% per annum;
2. from the funds spent on purchases it is returned to 30%.

Bank partners provide discounts when paying with the card in question, also for its owners additional bonus programs.

Among credit cards the most popular Tinkoff Platinum. You can take it before 300 000 rubles. The grace period is up to 55 days. The size of the cashback for special offers reaches 30%, for other purchases - 1%.

3) Sovcombank

Sovcombank - a modern bank, which is very popular among the population. New unique offers are constantly being developed here. One of the last in great demand is Halva installment card.

An installment plan differs from a loan in that interest is not accrued over the entire term. On the card in question, its duration depends on where the purchase was made. The maximum term is 12 months.

Among the remaining conditions, the following can be distinguished:

• the card is issued and serviced free of charge;
• high manufacturing speed;
• free delivery;
• cashback to 1,5%;
• balance income up to 8% per annum.

To compare the cards was easier, their main conditions are presented in the table. The emphasis is on credit cards.

Important to remember, that the benefit of using a credit card will be maximum if you repay the debt within an interest-free period.

Table "TOP-3 banks with the best conditions for processing cards with cashback":

* For current information on the conditions for obtaining bank cards, see the official websites.

Overview of the best cashback and debit cards

5. Which card with cashback to choose - comparison and rating of the 5 best offers

The above offers of cards with cashback are not the only ones. We decided to supplement the rating. Study one more TOP 5 card options with profitable cashbackand choose the offers that are right for you.

No. 1. "Visa card with great opportunities" from Sberbank

Sberbank traditionally has the greatest popularity among Russian citizens. A lot of different debit cards have been developed here, among which everyone will choose the best option for themselves.

The greatest customer attention among them deserves "Visa card with great features". It is issued in the category Platinum, has a laconic design in black and perfectly emphasizes the high status of its owner.

Refunds are made in the system "Thank". Cashback is credited bonuses, one unit of which is equal to one ruble. You can use them for calculations in partner stores.

The size of the cashback depends on the category of paid purchase:

• 10% - when making payments at gas stations, as well as for Yandex-taxi services;
• 5% by checks of cafes and restaurants;
• 1,5% from payment in supermarkets;
• 0,5% by checks of other companies.

The cost of annual maintenance of such a card is from4 990 rubles. However spending from30 000 rubles monthly, you can reimburse this amount with bonuses.

No. 2. Card "All Inclusive" from Promsvyazbank

Promsvyazbank has a wide network of branches, with individuals this credit institution works with 2005 of the year. The bank’s website provides all the necessary information about the issued cards. Here you can apply for registration.

Deserves special attention All Inclusive Cardissued by the bank. Maximum cashback size, which can be obtained from it for a month, is 1,000 rubles.

The amount of return depends on the company with which the calculations are made:

• 5% when paying for gasoline, clothes and shoes, train and plane tickets, household goods and cottages;
• 3% when calculating in supermarkets.

Service fee the card in question is 1,500 rubles for the first year. If during this period the minimum balance on the card is at 50 000 rubles, in the second year the service will be free.

By map interest on the balance funds are not provided. If the owner wants to receive a notification of operations in the form sms-Messages for this service will have to pay extra 29 rubles per month.

Promsvyazbank on the card provides an increased level of security Super Defense. Additionally, the owner can issue 2 high status cards to your account absolutely free.

Number 3. "Smart card" from the bank Opening

Card with cashback in the line Bank Opening appeared relatively recently. However, this tool has already earned popularity.

Product called Smart Card can be issued directly on the bank's website, without looking up from the computer. Owners of such plastic are given a bonus.

When calculating for goods that are classified as promo categories returns 10% of the amount of expenses.

For other checks, cashback may differ:

• if the total card settlements for the month exceed 30 000 rubles will be refunded in the amount of 1,5%;
• if the value of purchases is less cashback will be equal 1%.

The monthly cost of servicing a card is 299 rubles. If during this period the amount of settlements using the card exceeds 30 000 rubles, no fee will be charged. Additionally, you have to pay 59 rubles per month for sms- notifications of operations.

Smart Card allows you to earn not only through shopping. The balance of funds accrues income in the amount of 7.5% per annum.

However, those who draw up a card for cash withdrawal should keep in mind that this tool assumes a limit on this transaction in the amount of 150 000 rubles.

Number 4. Binbonus program from Binbank

Binbank acts on the Russian financial market with 1993 of the year. Here, individuals are offered a profitable program Binbonus. It is a reward scheme for bank card owners who actively use them for cashless payments.

To connect to the loyalty program, it is enough to issue any debit card.

After that, you need to activate any category from the following list:

• travels;
• online shopping;
• Auto
• entertainment;
• sport;
• health and beauty.

Important advantage cashback systems Binbonus It is that at any moment the bank card holder can independently change the category by which he receives refunds.

Experts recommend pay attention to the map "Estimated". You can order it on the Binbank website. In this case, the cashback for the selected category will be 5%, according to other calculations - 1%.

Card service fees from450 rubles per month. However, if you immediately make a commission for the whole year, the bank will provide a discount and the cost of the card for this period will be 4 500 rubles.

Moreover, if the daily account balance is not less 100 000 rubles or monthly turnover will exceed 50 000 rubles, the service will be absolutely free. There is no commission for the provision of SMS notification services.

By map "Estimated" additional income in the form of interest on the balance. When storing less than 750 000 rubles will be charged 6% per annum, more 750 000 rubles - 2%.

In addition to the card is provided insurance service. Another useful bonus is multicurrency. This function allows you to carry out card payments in any convenient currency.

No. 5. Otkritie-Rocket virtual card

Rocketbank is one of the first virtual credit organizations in Russia. It was originally mobile app, which allowed customers to use the necessary financial instruments.

AT 2016 year Rocketbank was acquired by a credit institution Opening. Despite the fact that this bank has few offers, there are products that have won great interest from consumers. First of all, this Otkritie-Rocket debit card.

The cashback for the plastic in question reaches 10% from the amount spent. However, there is no dependence on the category of purchased goods or services.

One more advantage cards is low cost of service. Behind sms-notifications will have to pay by 50 rubles monthly. The rest of the service is provided absolutely free. Moreover, the card can receive additional income in the amount of 8% per annum on account balance.

The only disadvantage the product in question is that free registration with delivery is possible only for residents of large cities. The rest will have to pay for delivery or even abandon the idea of ​​designing such a card.

A huge amount is represented on the market today debit and credit cards with cashback *. Anyone who wishes can easily pick up such an offer, which will be the most profitable for him.

* For more detailed and current information on the terms of processing and servicing plastic cards, see the official websites of credit institutions.

6. Answers to frequently asked questions (FAQ)

When reading the topic of cash cards with cashback, readers inevitably have a huge number of questions. To save your time, we traditionally give answers to the most popular of them at the end of the article.

Question 1. Are bank cards with cashback (cash back) profitable?

We have already figured out what cashback is. The main essence of this concept is to return part of the funds spent on a purchase using a credit card.

• One side the total amount of return is usually insignificant, it does not exceed on average 1%.
• On the other hand You can get higher returns if you pay by card with partners of the bank. In this case, the cashback size can reach 10%.

The cashback function can be provided for both debitso for credit cards. However, many do not understand why banks are so generous, and also whether it is possible to really save money with the help of such cards.

In fact, a card refund offer is competent advertising move by banks.

Cashback allows significantly increase number of issued bank cards. Even those who have previously refused to use cards for various reasons decide to issue a tool with a refund of a part of the purchase.

Cards with cashback and bank partners are advantageous. Such trading organizations using the named tool essentially increase demand for goods and services.

However, cashback card holders should not assume that they offer only benefits. In fact, this is not always true for the following reasons:

1. In most cases the cost of servicing a cashback card higher than the classic. However, such a difference is usually insignificant and does not exceed 300 rubles. If you actively use a card with a cashback, such a difference will be quickly justified with the help of returns.
2. It is important to read carefully card service conditions. Often, the maximum return amount for a certain period of time is limited.
3. Some banks introduce certain cashback payment terms. The refund can reach the maximum size only if a certain amount is spent on a monthly basis.
4. In some cases, the resulting cashback can only be used to pay for a limited list of goods and services.

Before issuing a card, it is important to carefully study the maximum number of offers on the market and choose the most favorable conditions, as well as the largest cashback.

Question 2. What are the best credit and debit cards with cashback at gas stations and interest on the balance?

Credit organizations are always trying to analyze where customers spend the most money with bank cards. For many owners of this tool, a huge part of the cost is car maintenance.

This includes how fuel purchase at gas stationsand payments for repairs and auto parts. That is why, in order to attract more customers, banks try to issue cards with the highest cashback in car categories.

Debit and credit cards with cashback and interest on the balance of own funds - which is better for motorists?

Before deciding which cashback card at the gas station to choose, it is important to carefully study the basic conditions for servicing suitable offers. To do this, you should know what criteria such a bank card must meet.

First of all, you should pay attention to the following characteristics:

1. The size of the cashback at the gas station. It is important that the card is set as a favorite category calculations at gas stations. It is these costs when servicing the machine that are maximum, for other needs it usually takes much less money;
2. Refund amount for other calculations. The most profitable are those cards for which, in addition to cashback for gasoline, there are other cards. It does not have to be exactly the cost of the car. Many banks today offer a refund for payment with a bank card of any goods and services;
3. Low cost of service. When choosing a card with a cashback, it is also important to consider how much you will have to pay for its service. In most cases, if possible, get more as a cashback 5% of the purchase amount the cardholder will have to spend considerable amounts annually on its maintenance. However, you should not immediately refuse to pay a card. It is worth comparing the amount of costs with the estimated amount of cashback. This will allow you to understand how beneficial such a card can be;
4. Possibility to issue additional cards for family members. It makes sense to consider the possibility of issuing additional payment instruments tied to the main account. This approach allows not only increase cashback amount due to the joint spending of funds, but also fulfill the condition about card turnover if available;
5. The level of security of funds. It is important to understand that the reliability of a bank card is largely determined by the type of credit institution that issued it. You should not discard this factor, because it is on a bank card that considerable funds are stored that you do not want to lose.

Today, according to experts, the best bank cards with cashback at gas stations are:

• Tinkoff AcademeG allows you to get 10% of the amount spent on car maintenance;
• Alfa Bank invites its customers to receive 10% of funds spent on gasoline;
• Touch bank issues credit cards with a refund 3% of gas station checks.

Question 3. How can I make money on cards with Cash Back?

Using bank cards, their owners have long understood how to return maximum funds on them. From a huge number of tips we have selected 4 most effective.

Tip 1. Issue bank cards with the right categories

Hearing that the bank offers a card with a refund, many without hesitation draw up it. However, they do not pay due attention to the conditions of service and receiving a refund.

As a result, many owners of cashback cards do not get the desired benefits. To avoid this, it is worth comparing offers not only of different banks, but also within the same organization.

Important! You should choose a card according to which return categories correspond to the needs of the client.

For example, it makes no sense to issue a card with refunds for paying for gas at a gas station to those who do not have a car.

If you do not take into account the categories of maximum cashback, a large amount of return is unlikely to be obtained.

Tip 2. Give preference to cards that provide other bonuses in addition to cashback

When choosing a card with a cashback, it is important to evaluate not only the size of the return, but also the availability of additional bonuses.

If paying with a card, it will turn out not only to return part of the money spent, but also to earn bonuses, this will be an additional plus.

Such bank cards provide double benefits:

1. cashbackin the form of a refund of part of the funds transferred to pay for goods and services;
2. bonuses in the form of points and miles that can be spent on certain purchases.

It’s also important to consider that the terms of bonus programs are usually provided period of use of accrued bonuses. Therefore, you should prefer such a card, the accrued premiums on which you can spend in the near future.

Tip 3. Use the opportunity to issue additional cards to the account

Most banks allow you to issue several bank accounts additional cards (often up to 5) These cards can be distributed to family members.

In this case, each of them will be able to pay using the common account to which all these cards are attached. As a result, the amount of expenses, and therefore returns, increases⇑.

However, before using this opportunity, It is important to estimate the cost of issuing and servicing each additional card. If the expenses exceed the amount of the return, there will be no sense from such advice.

Tip 4. Shop together

To increase the amount of expenses on the card, and therefore the amount of return, you can organize joint purchases with relatives, friends, acquaintances. Alternatively, you can invite them to shop on the list.

As a result, everyone will benefit:

• the cardholder will increase the amount of return;
• people participating in a joint purchase will save time on shopping trips.

7. Conclusion + video on the topic

Cashback cards are becoming increasingly popular. However, they will be able to get real benefits only if the right choice is made. In addition, it is worth using tips to increase the size of the received cashback.

In conclusion, we recommend watching a video on how to choose the best credit or debit cashback card:

That’s all with us. We wish our readers to shop with maximum savings, getting a large cashback on their card!

The team of the site “Rich Pro” will be very grateful if you leave your comments on the article below, share your personal opinion and experience on the topic of publication, as well as this article with your friends. See you soon!

Watch the video: Cashback Credit Cards: How To Choose One (November 2024).