The five most worthwhile credit cards from Agricultural Bank of China

1. Beautifully upgraded mother’s credit card.

This card is the first domestic credit card with a parent-child theme. It mainly provides a series of discounts in maternal and infant, early childhood education, health care and other aspects. The Meili Upgrade Mom Credit Card is free of annual fees in the first year. After swiping the card 5 times, the annual fees are waived for the following year. At the same time, the points will not be reset, and the points can be redeemed for more products.

2. Agricultural Bank of China Youran Platinum Credit Card.

This card is a credit card specially designed for young and middle-aged urban white-collar customers. Cardholders can enjoy 1 yuan airport parking service, 1 yuan pick-up and drop-off service, and "stay two and get one free" in more than 80 high-star hotels. ”, global travel and medical rescue services and other preferential services. The Youran Platinum Credit Card is free of annual fees in the first year, and after swiping the card 12 times, the annual fees are waived for the following year.

3. Agricultural Bank of China Zunran Platinum Card Essence Edition.

Cardholders can enjoy preferential services such as airport VIP lounge services, high-value insurance, medical consultation services, tax refunds and cash rebates, and ticket discounts on the three major airlines. The annual fee for the Zunran Platinum Elite Moderator card is 880 yuan, and the annual fee for the supplementary card is 500 yuan. After swiping the card 30 times, the annual fee for the next year is waived.

4. Agricultural Bank of China’s Ranmeng Credit Card.

The Ranmeng Credit Card is divided into flying red UnionPay version and blue and white porcelain MasterCard version. Cardholders of the Feiyanghong UnionPay version can enjoy preferential services such as 1 yuan for airport parking, free breakfast for two at star hotels, and 50% off for Ruier Dental. Blue and White Porcelain MasterCard Edition cardholders can enjoy preferential services such as overseas WIFI for up to 4 days free of charge, discounts at thousands of hotels around the world, mainly foreign consumption discounts. Both cards have no annual fee during their validity period.

Agricultural Bank of China Golden Harvest Ctrip Travel Credit Card

5. Agricultural Bank of China Credit Card Ranking.

The Agricultural Bank of China Golden Harvest Ctrip Travel Credit Card is a Golden Harvest series of credit cards jointly issued by Agricultural Bank of China and Ctrip. Successfully applying for this card is equivalent to applying for a Ctrip VIP membership card at the same time.

The Agricultural Bank of China actively supports public welfare undertakings and organizes employees to carry out the "Agricultural Bank of China 10,000-acre Employee Forestry Demonstration Project" donation activity, which is used for greening barren hills in Dingxi area of ??Gansu Province, with donations totaling 5.478 million yuan. , contributing to "rebuilding the beautiful mountains and rivers of the western region"; according to incomplete statistics, in order to help people in disaster areas rebuild their homes, it donated 2.838 million yuan to Southeast Asian countries that suffered from the Indian Ocean tsunami; donated more than 100,000 yuan to the China Foundation for Poverty Alleviation; and donated 100,000 yuan to the China Foundation for Poverty Alleviation; The designated poverty alleviation counties spent 1 million yuan in assistance; they continued to donate 892,000 yuan to extremely poor female employees in the financial system.

The 5 most worthy credit cards in 2022 (ranking of the most popular credit cards)

More and more people have credit cards now, and there are also many card benefits. , below I will share some of the more practical card types that I have applied for.

1. Agricultural Bank of China

Youran Platinum Card

Youran Platinum Card

Benefits: VIP channels at branches, expert appointment registration, assistance For medical treatment (if you make an appointment in advance for medical treatment in a domestic tertiary A hospital, you can assign specialized personnel to assist with payment, medicine collection, etc., which is a very practical benefit), and enjoy the privileges of UnionPay Platinum Card at the airport for 1 yuan parking, airport VIP privileges, etc.

Annual fee: Platinum card, you can waive the annual fee if you use this card 12 times

National Treasure Card

National Treasure Card

National Treasure Card The annual fee is the same as the Youran Platinum Card, but it doesn’t have many benefits, but the national commemorative cultural and creative gift packages included in the new account opening are worth having.

Advantages: Agricultural Bank of China has many branches and it is more convenient to handle business. Moreover, the Agricultural Bank of China has many activities, and there are activities every month. Such as sentimental cash rebates, JD.com payment coupons, 5x points for WeChat purchases, etc. Some card types have a long interest-free period.

Disadvantages: low limit, difficult to activate. Agricultural Bank of China credit cards are issued to branches, and you need to go to the branch to activate them yourself. Additional proof is required, and there may be cases of rejection.

2. Guangfa Bank Card

Jingdong Co-branded Card

Guangfa Jingdong PLUS Co-branded Card.

Benefits: If a new user reaches the standard of 3 purchases of 88, he will be given a JD Plus membership for one year, and there will be payment coupons. Two 5-yuan no-threshold payment coupons are available every month. It is more practical for shopping and has no other special rights. .

Annual fee: Gold card, free of annual fee for any purchase of 6 times.

GF Zhenshang Platinum Credit Card

GF Zhenshang Platinum Credit Card

Benefits: Enjoy Longteng VIP Lounge privileges, 2 points per year, each use costs 0.5 points, generally available in first- and second-tier cities, with a monthly consumption of 500 or more. Enjoy unlimited access to the Guangfa High Speed ??Rail VIP Lounge. For those who are on long-term business trips, this card is more practical. The key is that it does not have a high annual fee.

Annual fee: Platinum card, 88 yuan for 3 transactions within 90 days of opening the card, and no annual fee for 12 transactions.

Advantages: The approval process is fast. When I applied on the JD.com APP, it was approved in 1 minute, and the credit limit is high. There is no need to go to the branch for activation. It is activated through remote video, which is much more convenient!

Disadvantages: The card surface is average, there are few branches, and the value of points is not high.

3. CITIC Bank

Central Bank was the first bank where I applied for a credit card. At that time, the limit was too low, only 1,000. After canceling the account, the limit for the second application can still be 30,000. Central Bank has a wide variety of credit cards with cool card faces. I will mainly share the cards that are worth getting.

Yanka Kaiyun Koi

Privileges, if you spend 9 days per month, you can redeem 9 points for video coupons, payment coupons on major shopping platforms, takeout coupons, etc. It is very cost-effective, and consumption If you spend 3 or more transactions of 88 yuan, you can enjoy an additional 9-point redemption. (Previously, you could redeem it once after 3 days, and once after 9 days. Later, you may have been scammed, so the event rules were modified).

Annual fee: Gold card, no annual fee if you spend 5 times or more. (If you ask customer service to cancel the card, you will be free of annual fees for life)

Advantages: The card surface is quite cool, with dynamic koi fish that can move, frosted material, and a lot of activities. Updates to the dynamic card space.

Disadvantages: There are few outlets, and the quota does not seem to increase very quickly.

4. Postal Bank.

It can be said that it is difficult to apply for a postal credit card. My application was rejected three times before, with no social security and no deposit. Later, the Union Quick Pass application was approved in seconds. There are few types of postal credit cards and the card size is average, but the activities are still good.

Youth UnionPay Card

Benefits: There are no big benefits. What is more practical is that the first cash withdrawal per month is free and there is no handling fee. I believe everyone has used credit cards from other banks. Generally, in addition to interest, there is also a 1% handling fee when withdrawing cash, but this card does not have any handling fees. , just pay the interest.

For greater benefits, I recommend the Dingya Platinum Card and UnionPay Card. You can waive the annual fee by meeting consumption standards, but it is difficult to apply for the card.

Annual fee: It is also difficult to waive the annual fee. There is an annual fee for consumption 6 times a year.

Advantages: There are many outlets, and it is convenient to find them everywhere. There are not many postal credit card types, but there are many activities. There are 30 yuan payment coupons for shopping on every holiday (such as Mother's Day, Father's Day, During the Dragon Boat Festival, there are also major e-commerce promotions). For monthly consumption of 1288, 1588 standard payment coupons (30 yuan), installment consumption standard consumption coupons (50 yuan coupons), payment coupons are generally divided into Tmall shopping coupons, Jingdong shopping coupons Payment coupons, Meituan payment coupons, no threshold for use.

Disadvantages: There are few types of cards, it is difficult to apply for a card, there is generally no provident fund, and social security is difficult to apply for.

Rational use of credit cards will facilitate our lives and bring convenience to our lives. , but excessive and advanced consumption can also cause debts, overdue credit reports, etc. It is recommended that everyone uses credit cards rationally, consumes rationally, and pays back on time to maintain a good credit record!

Ranking of the most junk credit cards

Guangfa credit cards are the most junk, and junk credit cards are definitely the top fighters.

I have used credit cards from several banks, and ICBC is the worst! Don’t be fooled by one of the four major banks! Everyone will know after using it! 2. I am a business accountant. The teller recommended applying for a credit card. It cost 5,000, but it was of no use. Later, I canceled the card. Later, the customer service called me and said there were activities and the like. They tricked me into applying for the card, but it was rejected. They also checked my credit twice, which was so deceptive. (China Merchants Bank has a limit of 50,000, and Agricultural Bank of China has a limit of 100,000, and never uses a card for cash)

3. ICBC’s mobile banking has the most junk procedures, and when you log in for the second time, it will show that the password is incorrect. Unable to use

In addition to Bank of Communications, there are also China Construction Bank, Agricultural Bank of China, and Industrial and Commercial Bank of China! Every time I feel like they are cheating customers with their business! After waiting in line for a long time, it was her turn and she went to eat.

Have to rearrange again! The service attitude is called "good"! They are all ancestors! Just mentioning it makes me angry! Agricultural Bank of China's credit card is only for civil servants. For CCB's credit card, in addition to having a car and a house, you must have a formal job, the kind that can issue a work certificate. I work in a state-owned enterprise, but I am dispatched, and they say they won't apply for it.

Not to mention ICBC. I applied for their Peony Card, but they sent me a set of 5 World Cup commemorative cards. It was a rip-off! ! The quota is 1 cent from his sister! ! I complained to their customer service because I clearly applied for a Peony Card! As a result, the customer service said that the Peony card was no longer available, so they issued a World Cup set! ! He even signed it for me! 1 hair! All my other credit cards have a limit of 20,000! Who are you burying?

Ranking of the most worthwhile credit cards

1. Ping An Bank Car Owners Credit Card Gold Card

One of the top 5 credit cards worth keeping. The annual fee is 200 yuan in the first year, and the annual fee for the next year is waived when you spend over 30,000 yuan. From the day after the first swipe of the main card, you can apply for free roadside assistance within 30 kilometers each time, once a day, no limit for the whole year, and get up to 110 RMB 10,000 in accident protection for all vehicle personnel; over 10,000 gas stations in 50 cities across the country, enjoy a 12% discount on refueling, and receive a monthly refueling bonus of up to RMB 60. Compared with the gold card, the platinum card has 6 more drunk driving trips, 12 exquisite car washes, free roadside assistance and aviation accident insurance without a limit on kilometers, but the annual fee has also increased to 800 yuan, which can be waived the following year. If you have higher requirements, it is recommended to get a platinum card.

2. China Merchants Bank YOUNG Card (Youth Edition)

China Merchants Bank’s popular credit card, one of the credit cards with the best reputation in China, has a low application threshold, is easy to apply for the card, and can increase the limit quickly. Although there are not many features and benefits, as a novice, it is definitely worth becoming your first credit card. Main benefits: 100% of the cash withdrawal limit, no handling fee for the first cash withdrawal in each natural month; repay the bill in installments; enjoy double points in the birthday month; make 6 purchases through designated methods within the next two natural months after the card is issued, and each transaction reaches 18 Yuan, you can receive a branded trolley case or 1,000 points.

Bank of Communications Walmart Credit Card

If there is a Walmart near your home, then this card can help you save money. This card has been selected into the ranking of the most worthy credit cards. Main benefits: One point will be accumulated for every dollar spent outside the store, and no points will be accumulated for in-store purchases; the annual fee is waived in the first year, and the annual fee is waived for the next year after spending 6 times; you can get free gifts for any consumption through designated consumption methods at designated Walmart stores 2.5% of the credit card fee will be refunded, with a monthly refund limit of 150 yuan; if a single purchase reaches 1,000 yuan or equivalent, you can make installments freely, or you can make installments at special shopping malls and special merchants, up to 24 installments.

3. CITIC Bank Yan Series Credit Card

One of the 5 most worthy credit cards. CITIC Bank is specially designed for young people. It is a gold card level with low application threshold and stable job. , the income is above 4,000 yuan. Its colorful series is available in seven colors: red, yellow, green, blue, purple, pink, and black. The customized series includes zodiac signs, constellations, life, cute things, etc. Main benefits: Points can be earned for both online and offline consumption; the first-year annual fee will be waived if you make one purchase or cash withdrawal in the month of opening the card, and the next annual fee will be waived if you make five purchases or cash withdrawals, and so on; enjoy 1,000 yuan flight delay insurance; points can be redeemed Redeem coupons from well-known merchants such as Haagen-Dazs and Starbucks.

1. Bank of Communications Youyi Platinum Card

Bank of Communications has strict risk control, it is easier to apply for the card, and its credit card has good general benefits. If you want mileage, the editor of maigoo.com recommends choosing the Premium Platinum Card. This card has been selected into the ranking of the most worthy credit cards. Main benefits: 5% discount on supermarkets and gas stations on Fridays, and up to 50% discount on food and beverages; zero handling fee for overseas cash withdrawals and zero handling fees for exchanges; no annual fee for the first year, and no annual fee for the next year if you make 6 transactions; provided by all Bank of Communications branches nationwide VIP access; card holders can enjoy VIP services at Longteng overseas airports three times; enjoy five-star hotel discounts; redeem points for airline miles, VIP rooms, chauffeurs, etc.

Agricultural Bank of China Burning Dream Credit Card

2. Agricultural Bank of China Platinum Credit Card, with no annual fee during the validity period, the card is full of positive energy, and a message to the majority of users: "Happiness comes from hard work. "" is one of the credit cards with the best reputation in China. This card can be used in different currencies. UnionPay flying red version and UnionPay blue and white porcelain version are in RMB. MasterCard flying red version and MasterCard blue and white porcelain version are in US dollars. Domestic rights and interests: 1 yuan airport parking; high-speed rail and airport VIP guests; AXA overseas study and travel insurance; high-star hotel rights; Ruier Dental discounts, etc.

Overseas rights and interests: Use of overseas WIFI for valid days; 10% discount on car rentals; special offers on Wyndham hotels; discounts on popular attractions; cash back discounts on shopping, etc.

3. ICBC World Struggle Credit Card

This card is divided into three levels: simple platinum, gold, and regular, all with annual fees waived during the validity period. It’s easy to apply for a card, as long as you have good credit and a stable income. Among them, the Simple Platinum Card enjoys exclusive privileges of MasterCard Platinum Card, UnionPay Platinum Card privileges, and all the Platinum Card benefits of ICBC except for airport lounges, aviation accident insurance, travel inconvenience insurance and other travel insurance. Exclusive discounts are available on weekends, with up to 50% off on food, drink and entertainment; discounts for purchases of Oppein home furnishings upon purchase; 2% cash back on spending on 10 overseas shopping websites; 0 foreign exchange fees; 2% cash back on overseas spending on 10 major sports brands, etc.

4. China Construction Bank Dragon Card Car Card

The top ten most worthy credit cards, with "LifeStyle" as the product concept, is tailor-made by China Construction Bank for private car owners , annual fee is 200 yuan. Although the annual fee is rigid, the points for oil exchange plus irregular refueling discounts are still relatively cost-effective. If there is a car wash cooperative store near your residence or work, then getting the annual fee back will not be a problem. Main benefits: Discounted car wash once a week; oil change discount with special points; free roadside assistance.

5. China Guangfa Bank Sharp Card

One of the credit cards with the best reputation in China. Its biggest feature is that it can provide cash back, and at the same time, the annual fee is waived in the first year, and the annual fee is waived after 6 purchases. fee. As long as you spend at restaurants, supermarkets, and department stores, you can get up to 1% rebate every day. If you choose one of the three merchant types to spend on Friday, you can get up to 5% rebate. The maximum cashback per month is 100 yuan. Although this card does not have much, it can still be collected and can be applied as the first card of Guangfa. However, this card can only be applied for by people with new accounts or those who have closed their accounts for more than one year.

6. Huaxia JD.com “Xiaobai” co-branded credit card

If you are a loyal user of JD.com, this card is undoubtedly a good choice. This card has been selected into the top ten of the credit card rankings, with no annual fee for life. If the first point-accrued transaction reaches 88 yuan within 60 days, you can get 88 Jingdong Steel_meeting gift; for the small white card, fixed points will be deducted every month for the transaction points. After that, it will be automatically redeemed for Jingdong Steel_ on the 15th. 1,000 points can be exchanged for 1 Steel_ (the monthly automatic redemption limit is 50,000 points, and the excess will be automatically redeemed in the next month). Steel_ can be directly redeemed for cash in Jingdong consumption. .

That’s it for the introduction of credit card rankings.