Which bank credit card is good for online shopping?

What kind of credit card is better? Compare credit cards of different banks.

China Construction Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for three times;

2. SMS service is free;

3. The withdrawal fee is only 0.5%;

4. Report the loss of 50 yuan;

5. There is a direct credit card for the owner. As long as there is a car with a displacement of 1.4 or more, it can be easily handled;

6. There are many outlets and ATMs, which is convenient for repayment and business handling.

Disadvantages:

1. One of the four state-owned banks, with high requirements for handling credit cards;

2. There are few gifts that can be exchanged for points.

Bank of China: Advantages: 1, free of annual fee in the first year, free of annual fee in the second year after five swipes;

2. SMS service is free;

3. Withdrawal fee1%;

4. The loss reporting fee is only 40 yuan.

Disadvantages:

1. One of the four state-owned banks, with high requirements for handling credit cards;

2. Gift redemption requires high points and few types of gifts.

ICBC:

Advantages:

1, American Express card swipes the card five times a year, or the annual fee of the current year is exempted when the consumption reaches 5,000 yuan, or the annual fee of RMB ordinary card is exchanged for 2000 points;

2. The withdrawal fee is free;

3. The overpayment will be recovered free of charge;

4. Only 20 yuan is needed to report the loss;

5. There are many exits

Disadvantages:

1, one of the four state-owned banks, has high requirements for handling credit cards;

2. SMS service fee 2 yuan/month;

3. The points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank: Advantages: 1, free of annual fee in the first year, free of annual fee in the second year after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only in 50 yuan;

5. There are many exits

Disadvantages:

1, there are fewer types of credit cards;

2. The card processing procedures are relatively cumbersome and demanding;

3. Less points can be exchanged for gifts.

China Merchants Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. SMS service for large transactions is free;

3. Report the loss of 60 yuan;

4. The credit line is high.

5. The card processing procedures are simple and the requirements are low.

6. You can repay with Tencent Tenpay.

Disadvantages:

1, fewer outlets

2. Withdrawal fee 1%, the lowest 10 yuan.

China CITIC Bank:

Advantages:

1. Within one month after issuing the card, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times;

2. SMS service is free;

3. Send an accident insurance.

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less outlets;

3. The loss reporting fee is high in 80 yuan;

4. There are many gifts, but the requirements are high.

Industrial Bank:

Advantages:

1, exempt from the annual fee for the first year, and exempt from the annual fee for the next year if you brush it for five times or spend 3000 yuan;

2. 50 yuan is needed to report the loss.

Disadvantages:

1, SMS service fee 3 yuan/month;

2. Withdrawal fee of 3%;

3. Less exports

Bank of Communications:

Advantages:

1, Y-POWER card is free of annual fee in the first year, three times in the second year, and six times in other cards;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. 50 yuan is required to report the loss;

5. There are more outlets than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed for points.

Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average.

Guangfa Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send a copy of the insurance;

5. There is a discount for getting a card.

Disadvantages:

1, the SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less exports

Shanghai Pudong Development Bank:

Advantages:

1, free of annual fee for the first year;

2. Free SMS service fee;

3. No loss reporting fee;

4. Don't pay the recovery fee.

Disadvantages:

1. Exempt the annual fee for the following year according to the credit card record and repayment record;

2. The card replacement fee is high in 80 yuan;

3. Withdrawal fee of 3%;

4. Less exports

Shenzhen Development Bank:

Advantages:

1, free of annual fee for the first year;

2. Withdrawal fee1%;

3. Report the loss of 50 yuan;

4. Only 2 yuan is required for the handling fee of the supplementary statement.

Disadvantages:

1, only points can be exchanged for the annual fee of the following year, and some credit cards can only be exchanged for the annual fee of the following year if they swipe their cards 12 times in the first year;

2. Less exports

Minsheng Bank:

Advantages:

1, free of annual fee for the first year;

2. Free cash withdrawal fee;

3. Don't pay back the handling fee;

4. Send aviation accident insurance and provide on-site emergency assistance services for discount cars.

Disadvantages:

1, most credit cards need to be swiped 8 times to avoid the annual fee for the following year;

2. SMS service fee 3 yuan;

3. There are few outlets in some areas.

Everbright Bank: