Compare credit cards with grace periods and cashback, and pick the most rewarding one.
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Representative example: Issuer-checked example: ING publishes 9,600 lei over 12 months, 25% fixed interest, 28.07% APR and 10,949.09 lei total payable. This example does not describe the other cards in the table.
Credit and debit cards are separated. Promotional figures are shown with their limit and where they apply.
APR and the official example remain visible for every product.
mastercard
Image from the Bankata catalogue because an official file could not be downloaded.
visa
Image from the Bankata catalogue because an official file could not be downloaded.
mastercard
Image from the Bankata catalogue because an official file could not be downloaded.
visa
Image from the Bankata catalogue because an official file could not be downloaded.
mastercard
Image from the Bankata catalogue because an official file could not be downloaded.
mastercard
Image from the Bankata catalogue because an official file could not be downloaded.
mastercard
Image from the Bankata catalogue because an official file could not be downloaded.
visa
Image from the Bankata catalogue because an official file could not be downloaded.
mastercardImage from the Bankata catalogue because an official file could not be downloaded.
A debit card uses money from the account. We do not assign APR, grace periods or instalments to it.
visaImage from the Bankata catalogue because an official file could not be downloaded.
visaImage from the Bankata catalogue because an official file could not be downloaded.
mastercardImage from the Bankata catalogue because an official file could not be downloaded.
visa/mastercardImage from the Bankata catalogue because an official file could not be downloaded.
No variant matches this filter.
These 20 products exist but stay outside cost comparison until the missing documents are checked.
If you pay the statement in full, the annual fee and grace period matter more than APR. If you carry a balance, interest and APR become central. Cash withdrawals follow a separate fee schedule.
We do not call a card the cheapest by comparing representative examples built on different limits and periods. Missing fields stay under review until a current document is found.
Maria Popescu, Kreditano financial journalist
Before choosing a card, decide whether you will pay it in full or carry a balance. The same offer may fit one case and be expensive in the other.
A credit card gives you a credit limit you can use anytime, with a grace period during which you pay no interest if you repay in full.
Some cards offer cashback or discounts at partner merchants.
Compare the grace period, annual fees and benefits (cashback, interest-free installments) to find the card that fits your style.
The credit card mechanism is easy to describe and hard to read in an 11-page contract. The bank gives you a limit — say 8,500 lei.
You use as much as you want, anytime, without explanation.
At the end of the billing cycle (usually monthly), you get a statement and two options: pay the full balance by the due date (21 to 56 days after cycle close, the grace period) and pay no interest, or pay only the minimum (typically 5-10%) with revolving interest on the rest.
Here's the trap. Annual revolving interest on Romanian cards runs 18% to 30%, with effective APR often above 25%.
If you pay only the minimum each month, the balance barely moves and total costs balloon on relatively small amounts.
A 5,000 lei balance paid at minimum, at 24% APR, can reach over 1,800 lei in interest in the first year alone, without extra repayment.
Interest-free installments at partner merchants (3, 6, 12 months) are real — but the installments come out of your card limit, reducing available credit for other purchases.
On Credit Bureau scoring, use below 30% of the limit is considered healthy; above 70% starts hurting your evaluation when you apply for another loan.
Paying on time is, as always, the heaviest factor.
The interval in which you pay no interest if you repay the spent amount in full. Usually up to 50–56 days.
No, if you repay in full within the grace period. Interest applies only to outstanding amounts.
Responsible use helps your score; late payments can hurt it.