Come on, the most cost-effective credit card

Which bank's fuel card is the best deal?

1. ICBC Peony Zhong You Credit Card: It is a joint-name card jointly launched by ICBC and PetroChina. You can enjoy 30% discount when you swipe your card to refuel, and 24-hour national highway car rescue service.

2. Guangfa Owner's Credit Card: nationwide 100 km free road rescue service, credit card refueling 5 times points or 1% cash back discount, optional high insurance protection and many other functions and benefits.

3. Xingye Cheyou Card: MasterCard RMB/USD dual-currency credit card, which can be divided into distinguished card and elite card. When swiping a card, you can enjoy up to 5 times of points, and you can quickly exchange the fuel fee. The maximum 0.2 yuan/fuel fee subsidy can offset the fuel fee.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

The 20-year development of China's bank card industry can be roughly divided into four stages:

1985 to the early 1990s, is the initial stage.

From the early 1990s to the beginning of 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.

From 1997 to 200 1 at the end of the year, China bank cards gradually realized the general stage of networking.

Since 200 1, in order to promote the in-depth development of bank card networking in China, the number of bank cards issued by various banking institutions in China has increased rapidly.

According to the full-time vice president of China Banking Association, by the end of the first quarter of 20 10, the number of cards issued by China reached 265,438+69 million, up by 14.9% year-on-year. The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption.

By the end of 20 1 1, the cumulative number of bank cards issued exceeded 2.85 billion, up by 18% year-on-year. Credit card consumption exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of the total retail sales of consumer goods, an increase of about 6 percentage points over 20 10. 20 1 1 year, there are more than 35,000 convenience payment outlets, 47,000 directly connected merchants and 2 10000 POS machines in secondary cities, reaching 15 16000 respectively.

In the whole year, 2.2 trillion yuan and 860 million interbank transactions were realized, accounting for 47.4% and 52% of the national interbank transactions respectively, and the contribution of transaction amount increased by 2.4 percentage points compared with the beginning of the year.

China UnionPay and commercial banks jointly launched the Rich Farmers Card, which has been issued in 28 institutions in 28 provinces across the country, with an annual card issuance of more than 5 million, becoming a new platform for serving agriculture, rural areas and farmers.

What credit card is cheap and free of annual fee? Look at these models.

Car owners travel by car, and fuel costs are also a big expense. I heard that you can apply for some credit cards, and you can cash them back when you refuel. Although a little tempted, I don't want to pay the annual credit card fee. So someone asked what credit cards are cheap and free of annual fees in 2020? It's true. Let's look at these models.

1, Guangfa Owner Card

You need to register at Discover Wonderful-Card Position-Refueling Cash Back every month. According to the different consumption amount, the strength of refueling cash back is also different. Non-refueling consumption per month

The annual fee can be reduced or exempted conditionally. What is the main card of UnionPay Gold Card? 80/ year, supplementary card? 48/ year; UnionPay Puka MasterCard? 40/ year, supplementary card? 30/ year. The annual fee is free in the first year, and the consumption/withdrawal (unlimited amount) is completed 6 times in the annual fee cycle in that year, and the annual fee is free in the next year, and so on.

2. CITIC Owner Gold Card

There are 3 transactions in each natural month, with 399 points and 3999 yuan; If you swipe your card at any gas station, you can enjoy a reward of 8% of the monthly refueling transaction amount, with the upper limit of 80 yuan. The upper limit of daily refueling is 500 yuan, and no refund will be calculated for the excess.

New customers are free of annual fee in the first year and free to brush 5 times in the second year.

3. Minsheng PetroChina Card

If you spend more than 2,500 yuan per month, and UnionPay China UnionPay Express spends more than 3 transactions, you can get 500 times of recharge of the fuel card the next day, with a monthly limit of 1 time, and the monthly limit is limited.

The annual fee can also be reduced, with the main card 600 yuan/year and the auxiliary card 300 yuan/year. 20 19, 12, 3 1 The card applying for card issuance is exempt from the annual fee for the first year, and the annual fee for the next year is exempt from the current year's consumption 18 or 50,000 RMB (or equivalent foreign currency), and so on.

202 1 what card is more cost-effective? These models are worth recommending-stock-based city financial management.

Now all the major banks have introduced the owner's refueling credit card, so what card is more cost-effective for 202 1? It is understood that at present, the more popular fuel cards are Minsheng Automobile Credit Card and CCB Longka Automobile Card. What rights can these credit cards enjoy? Let's take a closer look.

Fuel card

First, Minsheng Auto Credit Card

This credit card is divided into several grades. At present, there are gold cards, standard platinum cards and luxury platinum cards. Car owners with different economic strengths can find something that suits them.

The advantage of Minsheng automobile card is that the cardholder can enjoy a fuel refund, and the refund ratio depends on the level of the card. Gold card monthly yield of 5%, the upper limit of 50 yuan; The monthly yield of standard platinum card is 8%, and the upper limit is 100 yuan; Monthly yield of luxury platinum card 15%, with the upper limit of 200 yuan; Each diamond card can be returned 100% per month, the highest in 500 yuan.

After getting the gas money, you can exchange it at 1: 1, which is more cost-effective.

Two. Guangfa China Life Co-owner Card

This is the new owner's credit card of Guangfa. It is also more cost-effective to use it to refuel. As long as the monthly integral consumption is more than 3,000 yuan, you can enjoy cash back by swiping your card at the refueling merchant. The cashback ratio varies according to the level of the card.

Among them, the standard card cashback rate is 3%, and the 30 yuan is capped every month; The cash back ratio of gold cards is 5%, and the monthly limit is 50 yuan; Cash-back rate of premium 12%, monthly ceiling 120 yuan; Value-added cashback rate 15%, monthly ceiling 150 yuan. The highest cashback ratio is 2 1%, and the highest cashback amount is 2000 yuan/year.

Three. China Construction Bank Longka Automobile Card

The most cost-effective place for this credit card to refuel is that you can use POS machine consumption points to exchange for refueling fees. As long as your score is 50000 points, you can exchange it in multiples of 10000 points.

The conversion ratio of the part below 50000 is 0.2%, that is, every 25000 points is converted into 100 vitality; ; The part exceeding 50000 will be exchanged at the exchange rate of 0.4%. You can exchange 1 10,000 points at most every year, breathing 4,000 yuan, and saving 4,000 yuan a year.

Which bank has the biggest discount on credit card refueling?

Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

1. China Merchants Bank Credit Card

The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.

Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.

2. Bank of Communications Credit Card

It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.

The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.

4. CITIC Bank Credit Card

It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.

Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.

Verb (abbreviation of verb) Guangfa Bank Credit Card

Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.

6. China Everbright Bank Credit Card

It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.

In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.

Forget it, don't talk about the most cost-effective credit card.