April is an important month because it is in this period of the year that many people begin to plan expenses for any summer trips. The interest in the credit cardsas they are indispensable to book hotels or rent a car.
Having a reliable one, with a good ceiling and perhaps travel insurance included, can therefore be important. What are therefore the better of April 2025?
What is a credit card and what it is for
The credit card is a payment tool thanks to which you can make purchases and withdraw, even if you do not have the sum to be spent available. In fact, it is the bank that anticipates the money spent, which is then charged to the current account. This usually happens on the 15th of the month following the date of purchase. The credit institution also establishes a monthly limit of usewhich is said ceiling.
The main advantage of this card is certainly that of being able to have short -term liquidity while the disadvantage concerns the commissions and interests that can be high.
The main reason why the credit card is required is why offers a guarantee.
Here is an example:
The car rental agency requires it to protect itself from any damage to the car, if the vehicle is reported late or if there are extra costs to be paid as the full of fuel not done. The credit card works exactly like a deposit: a certain amount is blocked on its ceiling as a guarantee. If there is nothing to pay, the money is unlocked after some time by the self -return. In the event that there is damage or expenses, however, the latter are charged directly on the paper.
Debt and prepaid cards, on the other hand, do not provide the same guarantees. And that’s why many car rental, hotels or airlines do not accept them.
What are the best credit cards in April 2025?
The world in which we live is increasingly technological and the credit cards They have become a very useful tool to manage their money. They work like an intelligent piggy bank as thanks to them you can buy things even if at that moment you do not have enough money on the account because, as mentioned, the bank lends the money and then the saver returns it all together or a little at a time.
Among the Best credit cards of the moment there are:
- Ing’s Mastercard Gold;
- the Mediolanum Credit Card;
- Payback American Express;
- Classic Widiba credit card.
The characteristics of the Mastercard Gold credit card by Ing
There Mastercard Gold It is the ING credit card thanks to which you can make purchases online and in stores all over the world. It is zero canon if it is subscribed to orange more than it is among the best current accounts of April. The latter costs 5 euros per month that are zeroed if the salary or pension is credited or if you have monthly entries of at least 1000 euros.
With the Credit Card Ing:
- You can choose the pin you want;
- set the spending limits;
- Set the stand-by;
- Purchases in contactless, with Google Pay and Apple Pay can be made.
It also offers the function “Pagoflex“Thanks to which it is possible to buy what you want and pay it in installments. To use Pagoflex you need to make a purchase of at least 100 euros online and in the shops with the Mastercard. You must then choose how many months you want to reimburse the purchase between 3, 6, 9 and 12. You must then activate Pagoflex from App or from the site. This operation is possible immediately after the purchase or by the end of the month.
How the Mediolanum Credit Card works
Among the best credit cards in April there is also the Mediolanum Credit that it can be requested if the selfyconto with Banca Mediolanum opens and certain requirements are met. The main characteristics are:
- the zero fee for the first year;
- The free policy included “Multischi” Nexi who protects the owner of the card as well as payments;
- free security SMS Alerts that are received at each purchase;
- the recognition of imprint or facial;
- the possibility of using paper without pin;
- Contactless functionality;
- spending ceiling starting from 1,500 euros;
- the possibility of using it all over the world both in physical and online stores;
- The possibility of choosing between the Visa and Mastercard circuit.
The Mediolanum Credit Card, then, thanks to the functionality Easy Shoppingallows you to choose when to pay your purchases. In fact, you can decide whether to pay immediately or installs.
You can also decide whether to pay with the smartphone or smartwatch by associating your Apple Pay, Samsung Pay and Google Pay service card and in this case their data will not be stored in the device. Later, then, payments can be authorized even without PIN through the fingerprint or facial recognition.
How the American Express Payback works
There Payback American Express It is a zero fee credit card reserved for base paper owners who are not already or have already been the owners of Payback American Express paper in the last twelve months. The annual fee is free if you make at least one transaction every year starting from the date of emission of the card. If this operation is not done, an annual fee of 10 euros is charged in the first account extract following the expiry of the deadline for making the transaction.
The other main main characteristics of the paper are:
- Payment flexibility as you can choose whether to pay the monthly balance of the account statement in a single time or installments with the charge of interest within the limits of the trusted trusted, the minimum amount of the installment is equal to 6% of the balance with a minimum of at least 40 euros;
- The TAN at 14% and the TAEG at 17.33%;
- the possibility of obtaining an additional card included that allows you to accumulate even more points;
- insurance to protect your purchases;
- assistance and advantages of American Express services;
- Customer service available 24 hours a day and 7 days a week.
If the card is requested by May 4, 2025, then, up to 16,000 thousand extra points equal to 80 euros discount can be obtained thanks to the shopping bonus. Finally, with Payback Plus, if you spend 100 euros per month in Carrefour with paper, you receive 2000 extra payback points every month until 31 December 2025.
The characteristics of the Classic Widiba credit card
There Classic Widiba credit card It can be used for purchases and withdrawals both in Italy and abroad in operators and banks that adhere to the circuit indicated by the card. The latter has a monthly limit within which they can:
- purchase services and goods also in online mode without the help of cash;
- have cash advance advances at the ATM affiliated ATM counters.
The reimbursement of expenses takes place in a unique solution without interest on subsequent date of use as indicated in the monthly account extract.
Finally, the quarterly canon of the paper is 5 euros while the ceiling is 1,500 euros.
