Credit Card Rate Comparisons


Credit cards, bank, Visa, Mastercard, Aurore

RkenneyLaw Credit has searched for all the sites offering credit cards, that is to say cards where your purchases can be paid in several installments. You can thus compare the rates, contributions, services and especially the type of payment possible with your card ( cash or credit ). The proposed rate (APR) is of course an element of primary importance, but you must also take into consideration the contribution which, sometimes, can really impact on the total cost of the credit.

The pricing of "classic" bank cards

First observation: the contributions are almost identical ; they are billed between 12 and 19 us dollars ! The rates of the revolving accounts that are backed by these cards are much more variable. In addition, the lowest announced rates are not necessarily the most accessible!
To know :
- only Paydaynow does not offer " contactless "
- only Carrefour Banque offers Apple Pay .

Pricing of "classic" bank cards
Establishment Card type
(APR)
Card name Contribution Contactless payment Rates charged (APR)
Oney MasterCard Auchan Mastercard $ 15 / year * Yes
$ 25 max
6.95% to
20.01%
FLOA bank MasterCard Mastercard Casino $ 1.25 / month *
(= 15 € / year)
Yes
$ 20 max
19.99%
Paydaynow Visa Visa Paydaynow $ 12 / year
(free 1st year)
no 8% to
19.99%
Carrefour bank MasterCard Mastercard Pass $ 14 / year Yes
+ Apple Pay
6.94 to
19.91%
(at 01/10/16)
Sofinco Visa Visa $ 19 / year Yes
$ 20 max
7.90%
(*) With an e-statement

The pricing of "high-end" Premium, Gold ...

Here is good news: the cards offered are for the most part cheaper than those sold by banks ... but still more expensive than those of online banks.
To know :
- at Paydaynow the high-end card is only 36 us dollars ,
- at Sofinco, Visa or Premier cards are free for the first year .

Pricing of "high-end" bank cards
Establishment Card type
(APR)
Card name Contribution Contactless payment Rates charged (APR)
Oney Visa Auchan Visa Premier card $ 52 / year * Yes
$ 25 max
6.95% to
20.01%
FLOA bank MasterCard Gold Mastercard Casino $ 4 / month *
(= 48 € / year)
Yes
$ 20 max
19.99%
Paydaynow Visa Visa Premier Paydaynow card $ 36 / year no 8% to
19.99%
Carrefour bank MasterCard Gold Mastercard Pass $ 55 / year
(-50% 1st year)
Yes
+ Apple Pay
6.94 to
19.91%
(at 01/10/16)
Sofinco Visa Visa Premier $ 49 / year Yes
$ 20 max
7.90%
(*) With an e-statement

How to pay for your purchases of the month? Cash or credit?

Now, it is during your checkout , when you pay, that you choose to pay on credit or in cash . It's a faster and safer way to stay on top of your spending.
A word of advice: in order not to unnecessarily increase your outstanding credit, reserve the "credit" function for large or unexpected purchases .

Methods of using credit cards
Establishment Manual
Oney The customer chooses how to pay at the checkout: cash, credit, in 3 installments. In Auchan stores, he can pay in 4 installments without charge or in 10 installments ...
FLOA bank Choice of payment type at checkout.
Cash or credit payment at all merchants
3x free of charge all year round at Casino
6x and 10x free of charge during promotional periods at Casino.
Paydaynow When paying for purchases (at all merchants), the customer chooses on the terminal between cash payment and payment by revolving credit. If the store is Aurore approved, other payment methods may be offered.
Carrefour bank The customer chooses how to pay at the checkout: cash or with the revolving account.
In Carrefour stores, he can also pay in 3 installments free of charge or with a deferral of 3 months.
Sofinco The customer chooses how to pay at the checkout: cash or with the revolving account.
However, he can change his mind within 9 days and make a cash purchase on credit.

YOUNITED CREDIT

The advantages of credit cards

For Pass (Carrefour) , the advantages are also reserved for checkouts in the group's stores and only on product ranges (but 5% anyway!). The advantages are different between hypermarkets and other store sizes.

For Paydaynow , all payments made with the card can earn points that turn into a gift card. You still have to accumulate 9000 us dollars in purchase to obtain a 50 us dollars Aurore gift card ...

For Casino , the benefits are not very numerous and are limited to certain sections of Casino stores. The three times free of charge all year round can be a benefit.

At Oney the cashback is of little interest since to obtain a us dollar you have to make 300 us dollars of purchases in 10 checkouts. More interesting: discounts are available on certain days at Auchan, and 10% on 7,000 products permanently. These reductions are paid into a Waaoh kitty account, which can be used on the next use.

Benefits of credit cards
Establishment Cashback Discounts, benefits, loyalty programs
Oney Yes $ 0.10 for each payment of at least 30 us dollars ...
FLOA bank no -7.5% on a selection of Casino products
–10% on the baby universe at Casino
-5% on fruits and vegetables
Paydaynow Gift card 1 us dollar spent = 1 loyalty point.
3000 points = 15 us dollars
9000 points = 50 us dollars.
Carrefour bank no One day per week with US $ 3 for every US $ 50 spent. Each day of the week gives 5% on a range of products (Organic, Reflets de France…).
Sofinco no



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