Do you need to make some unexpected expenses? Don't stress, thanks to your cash reserve credit card. But what kind of credit card is this? It is a card with a certain amount of cash reserve that you can spend monthly. But how do they differ from regular credit cards? With this type of credit card you don't have to pay back your spendings at the end of the month. Which is the case for ordinary or classic credit cards. Another difference lies in the fact that these type of credit cards are often not linked to a bank. You often don't even need any bank account, as you open a credit line at a credit provider. You pay back your purchases on your own pace. And you don't have to explain yourself to anyone.
However, let's be upfront. There are some limitations. Keep in mind that you will pay interest on the outstanding amount that you owe your credit card provider. This interest can be quite high. Furthermore, a lot of providers maintain a certain percentage of the outstanding amount that needs to be redeemed monthly. So for example, when you owe €500 and you have to pay at least 5% back per month, this will be €25 per month. And last but definitely not least important. Cash reserve credit cards always have a certain usage limit, this can be €500 but it can also be €10.000. So you will be restricted in how much you can spend.
The advantages:
- Deal with the unexpected stress free;
- Pay back at your own pace;
- Decide on your own spending;
- Make use of a cash reserve in case of need;
- Enjoy the possibility that suits your needs the most.
A big benefit from these cash reserve credit cards is that they give the possibility the pay back in installments: pay back one month later, make staggered reimbursements, pay in 3 tot 12 installments, or pay back over several weeks.
Which kind of cash reserve benefits appeal the most to you? Choose a cash reserve card that suits your needs the most and you will be able to fully enjoy its amazing benefits. However, spend responsibly. Don't spend more than you can afford the following months.
What are the credit cards with a cash reserve in Belgium? Read on to discover the attractive options that several credit cards have to offer you.
Axa Bank Visa Classic
- No transaction fees for online, store or restaurant payments
- Accepted by millions of businesses worldwide
- Online purchases made in no time
- Cash withdrawals everywhere (there are transaction costs)
- Buy now and pay up to 1 month later
Card limit:
2500 eurosCosts:
0 euros/yearWith Visa Classic from Axa Bank, you have everyday money in your pocket everywhere you travel.
The Axa Bank credit card has a limit of 2500 Euro which you can use to pay safely anywhere in the world: in shops, restaurants, and hotels without having any transaction fees.
Buy now and pay one month later. You can track all your purchases in real time.
If you open a start2bank free account at Axa Bank the credit card Visa Classic will cost only 2 euros per month.
- Free credit cards
- Cash reserve
Argenta MasterCard
- Initial cost of the card: free
- Card replacement in case of loss or theft: free
- Payments in Europe: free
Card limit:
1250 eurosCosts:
0 euros/yearMastercard credit card from Argenta Bank comes with a spending limit of 1250 euro per month, the initial cost of the card is free and card replacement in case of loss or theft is also free.
Payments made with Mastercard credit card from Argenta are free inside euro zone.
- Free credit cards
- Cash reserve
Buy Way Mastercard
- Transfer money from your credit card to your current account
- Possibility to pay back in monthly installments
- Pay in more than 36 million stores in Belgium and abroad or over the internet
Card limit:
1250 eurosCosts:
0 euros/yearAPRC
14.50%- Free credit cards
- Cash reserve
- Pay back in installments
Carrefour Finance Visa Basic
- the possibility of paying like with a bank card, free credit until the end of the month or credit
- pay in 3 or 12 installments (TDP 9.9%) your purchases from 300 euro to all euro-zone traders
- Carrefour Bonus Card integrated: only one card to make your purchases and accumulate your loyalty points
- pay in 3 or 12 installments (TDP 0%) your purchases from 75 euro in your Carrefour hypermarket, without fees or interest
- up to 10% on everyday purchases in your Carrefour hypermarket
- Visa Days: every Thursday, receive 5 euro per 100 euro purchase in your Carrefour hypermarket
- 10% discount on all car rentals at Europcar
Card limit:
0 eurosCosts:
0 euros/yearAPRC
12.12%- Cash reserve
- Contactless
Cetelem Maestro
- I have a cash reserve ranging from € 1,250 to € 3,000, available at any time thanks to my Cetelem Maestro® card
- I have a personal web space to manage my account 24 hours a day, 7 days a week
- Possibility to pay back in monthly installments
Card limit:
1250 eurosCosts:
0 euros/yearAPRC
12.50%- Free credit cards
- Cash reserve
Europabank Visa
- You can pay for your purchases on the inetrnet in a secure way
- You can pay for your purchases later: at the beginning of the following month, without interest
- You can make contactless payments with any new Visa credit cards issued by Europabank
Card limit:
2500 eurosCosts:
0 euros/year- Free credit cards
- Cash reserve
- Contactless
Europabank MasterCard
- You can pay for your purchases on the inetrnet in a secure way
- You can pay for your purchases later: at the beginning of the following month, without interest
Card limit:
2500 eurosCosts:
0 euros/year- Free credit cards
- Cash reserve
- Contactless
Keytrade Visa Classic
- FREE for the first year. This advantage will be extended every year if you have made at least 12 transactions in the previous year. If not 25 euro/year.
- Take advantage of the special offers with the "Epargnez & Cueillez" programme
- Ideal card for 100% secure online purchases
- Collection of amounts due at the beginning of the next month
- Additional "Safe Online" insurance
- Monthly statement for your transactions available online
Card limit:
1250 eurosCosts:
0 euros/yearFor the credit card VISA Classic the first year is free. If you have minimum 12 transactions per year the card is still free, if not the card fees are 25 euro. The card comes with a monthly limit of 1250 euro.
With Visa Classic from Keytrade, advantage of the special offers with the "Epargnez & Cueillez" program.
The credit card is accepted by more than 30 million merchants worldwide. Visa Classic from Keytrade is 100% secure online shopping.
- Best deals
- Purchase protection
- Free credit cards
- Cash reserve
Fintro Visa Blue
- Pay anywhere in the world and on the Internet
- Pay back at your own pace
- If you sign up for an account Blue Sky Club, you have two Visa cards free of charge
Card limit:
2500 eurosCosts:
22 euros/yearAPRC
10.00%- Cash reserve
Hello bank Visa Classic
- A Hello Credit card accepted everywhere in the world.
- A free deferred repayment of amounts spent that can go up to several weeks.
- A spending limit to stay reasonable.
- All that for just €1,83 per month (or €22 per year). If you subscribe to the Hello4You offer, then it’s free the first year and then it’s 50% off until you turn 28.
Card limit:
2500 eurosCosts:
22 euros/yearAn international Visa Classic goes with secure online shopping, in shops, and cash withdrawals at ATMs across the world. Even better: a free deferred repayment.
Just what you need to buy yourself that electrical bike without having to wait for your next salary.
- Cash reserve
- Contactless
BPost Mastercard
- Paying and withdrawing money worldwide
- You can pay for online purchases
- You can make staggered reimbursements
- Free for the first year, then 17,50 euro/year
Card limit:
5000 eurosCosts:
24 euros/yearAPRC
14.49%- Free credit cards
- Cash reserve
Carrefour Finance Visa Classic
- the possibility of paying like with a bank card, free credit until the end of the month or credit
- pay in 3 or 12 instalments (TDP 9.9%) your purchases from 300 euro to all euro-zone traders
- Carrefour Bonus Card integrated: only one card to make your purchases and accumulate your loyalty points
- pay in 3 or 12 instalments (TDP 0%) your purchases from 75 euro in your Carrefour hypermarket, without fees or interest
- up to 10% on everyday purchases in your Carrefour hypermarket
- Visa Days: every Thursday, receive 5 euro per 100 euro purchase in your Carrefour hypermarket
- 10% discount on all car rentals at Europcar
- the Classic travel insurance which covers: medical expenses up to € 10,000, expenses in case of death, repatriation in Belgium
- the Classic travel insurance abroad which includes: delay or cancellation of the flight, loss or delay of luggage, death
Card limit:
0 eurosCosts:
24 euros/yearAPRC
12.12%- Free credit cards
- Cash reserve
- Contactless