Some type of credit card in their wallets. So, are you thinking about purchasing one in the near future, and looking for credit cards with the best offers, so that you can get benefit from some perks. There are credit cards with very attractive offers that can help you save some money each year. When applying for a credit card, consumers should pay attention to the following aspects:
Interest: the “price” of using cash on credit. Each issuing entity has a different APR (Global Effective Annual Rate) that will be charged to the customer if he does not pay the amount due or settles only the minimum amount of the same.
Annuity: it is the annual cost inherent in the possession of the card. It should be noted that there are currently a variety of cards with no associated annuity costs or that offer the first annuity.
Credit limit: ceiling Maximum card that you can use to make payments on their purchases.
Associated benefits:a credit card must be created which, given our user profile, allows us to take advantage of all its advantages, such as cashback , discounts or even membership in airline miles or points programs.
Insurance: multiple cards have insurance associated packages from travel insurance to shopping protection insurance, which protect the consumer whenever it has acquired the product or service in question by paying to the respective card.
BEST CREDIT CARDS
However, when choosing a particular card, you should not only take into account the offers that it can provide you, but your real needs. The credit card area (banks and financial institutions) are increasingly offering exclusive benefits to their customers. And make ensure that choose the best credit card for profile and needs, also pay attention not only to the product’s characteristics, but also to the type of use they intend to make of it. In order to facilitate your work in choosing credit cards with the best offers, we have selected the best ones.
- Novo Banco Verde credit card
- Santander Totta Ligth credit card
- Blue Card – American Express
- BPI Card
- Gold Credit Card – Novo Banco
- Classic Credit Card – Montepio
- Classic Credit Card – Unicre Unibanco
- Caixa IN Credit Card – CGD
- Visa Credit Card – ActivoBank
- Deco + Unicre Credit Card
NOVO BANCO VERDE CREDIT CARD
The Novo Banco Verde, which has a relatively high APR and TAN (18.1% and 18% respectively) with Pack Protection Service, accumulates miles at TAP, access to the Selects program (with discounts and exclusive promotions for members), usage services, insurance and assistance.
SANTANDER TOTTA LIGTH CREDIT CARD
Santander Totta Light, which has a relatively low APR and TAN (15.41% and 12.75% respectively), and other various insurances and access offers to promotions and discounts at exclusive partners.
BLUE CARD – AMERICAN EXPRESS
The American Express Blue card, which has a relatively high APR of 18.1%. The thing makes it one of the credit cards with the best offers is, it does not have any type of annuity for any of the holders. The main offers include Cashback of 5%, limited to a maximum annual return of € 100, access to an insurance package and the possibility to access a program of points convertible into products.
The BPI Card, which has a APR of 16.33% and a TAN of 13.9%. The main offer of these credit cards is access to an insurance package.
GOLD CREDIT CARD – NOVO BANCO
Novo Banco Gold, which has a relatively high APR and TAN (18% and 18.1% respectively) with provided services of subscription and insurance packages, access to the miles program and cash-back up to 1.5%.
CLASSIC CREDIT CARD – MONTEPIO
The Montepio Classic, which has an APR of 14.44% and a TAN of 10% and Insurance, SOS Saúde Card, International Visa Service, Advantages at Avis (40% in the national territory) and discounts on exclusive partners.
CLASSIC CREDIT CARD – UNICRE UNIBANCO
Unicre Unibanco Classico, which has a relatively high APR and TAN (18% and 18.1% respectively) and possibility to associate a Unibanco Classic TR3S card, Net Net or mini and access to exclusive service packages.
CAIXA IN CREDIT CARD – CGD
The CGD Caixa IN which has a relatively high APR and TAN (18% and 18.1% respectively) and other offers include Discounts, promotions, campaigns and hobbies, free credit for 42 days and associated insurance package.
VISA CREDIT CARD – ACTIVE BANK
The Active bank Visa Classic, which although it does not have the lowest TAN and APR (17.6% and 17.69% respectively) and The main offer is the possibility of accessing a program of points that can be converted into products, and the offer of a cinema ticket when purchasing another one at NOS cinemas.
DECO + UNICRE CREDIT CARD
The APR of this card is not the lowest (15.2%) and its annuity is not paid in any year of use of the service, which makes it one of the credit cards with the best offers to take into account when you want to purchase one. Its best offer include 0.5% cash-back program, and exemption from the payment of tax at fuel stations. The purchasing credit cards are the complex decision, so it is important to carefully analyze which credit cards have the best offers but also which ones are in the long run more profitable. The credit cards are prestigious products, with the largest and most extensive insurance coverage and which often provide access to lounges and the type of benefits expected from a VIP card. It is essential to take into account the most varied types of credit card at the time of your choice to ensure that you get the maximum benefit from this product.