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How to compare credit cards with Bankrate

Select two cards you would like to compare.
Click the "Compare Cards" button.
Read the major details for each card side-by-side for easy comparison.
Pick and apply for the card that best fits your needs.

Credit card features to compare

Credit card APRs

A credit card's annual percentage rate (APR) is the interest on a credit account. Many credit cards have introductory or promotional APR offers, meaning you'll get a low or zero-percent interest rate for a period of time, typically 12 to 21 months. Low-interest and zero-interest introductory offers give cardholders more time to pay down debts or make large purchases without added interest costs. Just keep in mind that these introductory rates don't last forever. Once the introductory offer ends, you will be charged the card's regular, ongoing interest rate on any balances you carry over after each billing cycle.

Similar to zero-interest cards, a balance transfer card lets cardholders transfer their balances from one card to another for a temporary relief from interest while they pay off the balance. The best balance transfer cards have zero-interest periods that last 18 to 21 months, but almost every balance transfer card has a fee of $5 or 3 percent of the transferred amount.

Credit card rewards

Credit card rewards are points, miles or cash back that you earn when you use a rewards credit card. You can earn rewards at either a flat rate on all purchases or higher rewards rates for specific spending categories like dining or gas. Reward earnings can be unlimited or have spending caps, depending on the card.

Points and miles are often associated with travel cards and can be redeemed for travel-related purchases like airfare, hotels and car rentals. Cash back rewards are often redeemed for statement credits, direct deposits, merchandise or even gift cards.

In addition to base rewards, some cards will offer sign-up bonuses, which are bulk rewards credited to your account after spending a certain amount in the first few months. The best sign-up bonuses are proportional to the required spend, and you should pick a card based on how well it fits your long-term needs, not just for lucrative points or miles.

Credit score

Every card has its own credit score requirements for approval and they will differ among card issuers. Cards with the best perks tend to be reserved for people with good to excellent credit scores, while other cards like secured cards or student cards have lower score requirements. Lenders will use your FICO credit score or VanatageScore to determine your creditworthiness at any given time. Both systems measure your credit activity, payment history, credit utilization and the length of your credit history to calculate a score. These scores are then reported to the three credit reporting bureaus: TransUnion, Experian and Equifax.

Here are the score tiers and ratings for FICO and VantageScore:

FICO score tiers

Poor: 300-579

Fair: 580-669
Good: 670-739
Very good: 740-799
Excellent: 800-850

VantageScore tiers

Very poor: 300-499
Poor: 500-600
Fair: 601-660
Good: 661-780
Excellent: 781-850

Issuers offer cards for the full range of credit scores, including:

No credit
Bad credit
Fair credit
Good credit

Consistently check in with your own personal financial goals to select a card that will be the best fit.

Annual fees

An annual fee is a charge that you get each year for holding a particular credit card. Not all cards have annual fees, but the ones that do often have extra perks and benefits that could make the annual fee worth it. Some of these benefits include travel credits, enhanced purchase protections or cash back rates that more than cover the annual fee. Remember there are cards with annual fees that cannot be recouped by benefits or rewards, so compare credit cards thoroughly or opt for a credit card with no annual fee.

Credit card fees

Almost every card will have fees that come with it in some capacity, though some fees may be easily avoided, depending on the card. The most common fees include annual fees, late payment fees, cash advance fees and balance transfer fees. Penalty APRs and late fees are charged after missed payments while foreign transaction fees are usually 3 percent of any charges you make at merchants abroad. Check the terms and fees of any card before applying to ensure you can avoid or minimize fees.

5 credit card application tips

Regularly check your credit report. Keep tabs on your credit reports from the three credit reporting bureaus and dispute any discrepancies. You can usually check your credit report for free once a year at AnnualCreditReport.com.
Do all you can to improve credit score. Paying your credit card bill in full and on time each month is one of the best ways to improve your credit score over time. You should also work to keep your credit utilization ratio low and diversify your credit mix to help boost your score.
Don't fill out too many applications at once. Carefully shop for and compare credit cards before you apply. Each card application results in a hard credit pull, which can affect your overall score if you have too many credit checks in a short period.

Only apply where your approval chances are high. Only apply for cards that align with your current credit score range so you have the best chances for approval. If you have a low credit score, don't apply for a premium travel card. Inversely, if you have a great score, you shouldn't apply for a secured card.
Know what happens if you're denied. Not all credit card applications go the way we want them too. If your application is denied, the issuer is required by law to send a letter in the mail explaining why.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information.

Credit Card Calculators | Bankrate

Advertiser Disclosure

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Looking for a one-stop shop for all of your credit card calculators? Credit card calculators can help you with financial questions and decisions: Figure out your balance payoff date, weigh the benefits of consolidating high-interest debt, or create a plan to accelerate your debt payment. Use these to start saving today.

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Alfa-Bank credit cards - Fill out an online application for a credit card for individuals

What is a credit card?

A credit card is a bank card that contains bank money. You can spend this money as if it were your own and pay no interest during the grace period.

What is a grace period?

This is the period during which you do not pay interest to the bank for the use of credit funds, provided that the minimum payments are made on time and the debt is fully repaid before the interest-free period expires.

What is the interest rate?

This is the percentage that is charged on the card debt. To avoid paying interest, close your card debt during the grace period.

Who can apply for a credit card?

Any citizen of the Russian Federation over the age of 18 who has a regular income and is registered in Russia can apply for a credit card.

What documents are required for registration?

Up to 150,000 ₽

Up to 200,000 ₽ additionally one of the following documents

Up to 500,000 ₽

To get a credit card on even more favorable terms, attach a certificate of income and tax amounts of an individual (Formerly 2-NDFL) for the last 3 months or a certificate in the form of a bank

rules:

•

All fields of the certificate are required to be completed
•

Validity of the Certificate of Employment and Income of an Individual is 30 days from the date of issuance
•

The certificate must not be issued by the client to himself and/or his spouse

How to get a credit card?

To get a card, you can:

•

fill out an online form on the Alfa-Bank website. A bank employee will bring you a credit card at a convenient time;
•

bring documents with you to apply at the branch. In some offices, a plastic card will be made in front of you, right away.

Cards are delivered free of charge.

What are credit cards?

You can choose a credit card of Mastercard and VISA payment systems of the standard, gold, or platinum category. Alfa-Bank also offers co-branded credit cards developed as part of banking partnership programs. Pay with them to get miles, bonuses, cashback for purchases, discounts on air tickets and other privileges.

How do you keep track of your income and expenses?

Control the status of your account, follow the payment schedule and pay off your debt in one click through a free mobile application or online banking. You can take an extract, pay for mobile or Internet communications, utilities, connect additional services, and also get expert advice without leaving your home.

Credit cards from Raiffeisen Bank - get a credit card free of charge with home delivery

Life

Small business

LifeCards

Credit card “110 days” without percent

to 110 days

without percent

to 50 000 ₽

Cash "Cashback for everything"

0 ₽

service for the whole period

up to 52 days

without interest

Get more details

Premium Cashback card0087

0 ₽

Service at the opening of
Premium Banking

to 52 days

without percent

to decorate more than

Raiffeisen Bank

. the ability to withdraw cash without commission.
Credit limit - up to 600 thousand ₽, cashback and discounts up to 30% from bank partners are available to customers. The bank consultant will bring the card for free.

Additional features

Fill out an application on the website and apply for a credit card online. You can get a preliminary decision in 2 minutes. You can get a card only with a passport. The issued card will be brought to work or home by a bank consultant free of charge.

Gold and premium cards

Special terms and conditions for gold and premium credit cards.

Archive cards

Other credit cards

I already have a loan from Raiffeisen Bank. Can I also take a credit card?

Yes, you can have more than one loan product.

What does using a credit card do?

Depending on the card, you can get free service, increased cashback, bonuses for purchases in stores, travel discounts, insurance. Money from the card account within the limit and grace period (from 110 days) can be used free of charge: you do not pay interest to the bank for their use. In addition, you can receive cashback in rubles from expenses and spend this money on new purchases.

What is a grace period?

This is the number of days during which you use the money for free, no interest is charged on the loan. The start of the grace period can be the date of conclusion of the contract or the beginning of the month, depending on the terms of service. The terms can be viewed in the card information section in the application or in your personal account on the bank's website.

If you spend money but repay the debt before the end of the grace period, you do not need to pay interest. If you repaid part of the debt, interest will be accrued on the actual debt by the end of the grace period. The faster you pay off the debt, the less the overpayment to the bank.

Who sets the card limit?

The credit card limit is set by the bank. The maximum amount differs for credit products and customers with different card account turnovers and incomes. The credit limit can be increased or decreased, it depends on the activity of using the product, timely repayment, and the presence of delays.

The limit is provided within the reporting period, this is a renewable value. If the debt is repaid in full, even in parts, the entire limit will be available in the new reporting period. If you have not repaid or repaid only a part, an available balance will appear in the next period.

How do I get a credit card?

The fastest and easiest way to order a credit card is to apply online.
If you are not a client of Raiffeisen Bank, it is enough to fill out an application on the website.
If you are a client of Raiffeisen Bank, you can leave a request on the website or in the application.

Can I get a card and not use it?

Yes, you can get a credit card "just in case", without a service fee, if you have no debt and monthly payments. Just keep the card in your wallet or payment app so you can pay when you need it.

Can a bank refuse to issue a credit card?

Lack of regular income, having two or more credit cards in different banks, bad credit history can be a reason for refusal. If the terms of service for your current cards do not suit you, we recommend that you close them and get a new one. Without debts, the decision can be positive.

How can I control credit card transactions?

In the "Cards" section in your personal account on the website or in the application, there are all open cards and complete information on them - the account balance, the list of transactions, details, the amount of the minimum payment, etc.

You can also connect the Family Bank service. It allows you to give or access information and credit card transactions of trusted individuals.

How to top up a credit card?

The list of replenishment methods is available in product descriptions and in a special memo.
Others can top up your card online via a direct link. To generate it
in your personal account, follow these steps:

click on the “gear” in the lower right corner of the card of the card you need,
in the menu that appears, select "Translation by link",
copy the link and check the box next to "Allow translations by link".

Can I withdraw money from a credit card?

Yes, but it depends on the terms of service whether the commission and interest on the loan will be at an increased rate. If you often use cash, you need money for transfers, you can get a "Cash" credit card or another that allows you to work with cash on preferential terms.

Are there any restrictions on the use of credit cards?

You can pay for purchases in stores, the Internet and utility services, top up your mobile phone account within the grace period and limit without commission and interest. For transfers to other cards, repayment of loans, including those issued by Raiffeisen Bank, cash withdrawals, a commission and an increased annual rate are possible depending on the terms of service. Crediting money to e-wallets and buying traveler's checks are treated as cash withdrawals.

Cards are accepted for payment all over the world, you can pay at any trade and service company. It is not required to report foreign trips.

Can I cancel my card?

If you have applied and received pre-approval, you can review the terms and conditions and order the card or refuse it. It's free and doesn't affect your credit history.

If you have already ordered a card, it has arrived at the client office or it has been delivered by a courier, you need to go through the closing procedure. This is necessary because some products have a service charge that will be regularly debited.

If you have used the card for some time, but you no longer need it, close its account. To do this, you need to apply online or at the bank's client office. 100% of customers find the page useful blog

Bank of Russia General License No. 3292 dated February 17, 2015

119002, Moscow, pl. Smolenskaya-Sennaya, 28

Information on interest rates under bank deposit agreements with individuals

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General license of the Bank of Russia No. 3292 dated February 17, 2015.

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