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We found 12 credit cards with cash reserve benefits for you

Looking for the best credit cards in France? With banqo.fr you can compare the best credit card deals and benefits.

Cash reserve credit cards

You associate the credit card with a stiff product with full of constraints. What if you had access to a product which would better cater for your needs, while giving you access to the wide range of benefits of a classic credit card?

What is this type of credit card about?

When you think of the credit card you may picture the following: need for a bank account, a costly product, hidden caveats and a rigid relationship with the bank. The cash reserve cards are less expensive products that offer you the access to a certain amount of cash (reserve), which you can use at your best convenience. In general, this kind of card best suits people in need for access to such reserve, mainly for unforeseen or unexpected situations.

What are the benefits and disadvantages?

With this type of credit card you don't have to pay back your expenses at the end of the month, but at your own pace that is, you decide with the bank what is the best plan for you. Though, this facility implies a higher risk for the bank, which will charge you a higher interest for the credit used, although initially you paid less or nothing at all to obtain the credit card. Yet, you will have access to the same advantages offered by a classic credit card. Often, the card is not linked to a specific bank and it is offered by a credit provider you can chose on yourself, which means that you don't need a bank account.

The benefits

Our advice

This credit card is a good fit for you if you look to pay less for the card, have access to a short term credit for unforeseen situations and yet, benefit of the wide range of advantages of a classic credit card.

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Filters

Check the list of available credit cards!

Boursorama Banque VISA Metal

    Apply now
    on Boursorama Banque's secure website

    Costs:

    119 euros/year

    Benefits:

    • Insurance
    • Free withdrawal
    • Cash reserve
    • 130€ bonus for the first account opened with the code BRSMOVE
    • Free issuing, subject to regular use of the card (if no regular use 15 € / month, if no payment transaction recorded per month
    • A premium insurance package
    • Free opening, holding and closing of your account
    • Free online transfers and withdrawal at ATMs (in the euro zone)
    • Free payment by Credit Card abroad
    • Free home checkbook delivery
    • Access to your accounts, even those held in other banks
    • Personalization of real-time notifications of transactions on your account.
    • Help organize and store your important invoices and documents in your virtual safe
    • Online check functionality
    • Online access to invoices

    Boursorama Banque VISA Ultim

      Apply now
      on Boursorama Banque's secure website

      Costs:

      108 euros/year

      Benefits:

      • Insurance
      • Best deals
      • Free withdrawal
      • Cash reserve
      • 130€ bonus for the first account opened with the code BRSMOVE
      • Free issuing, subject to regular use of the card (if no regular use 15 € / month, if no payment transaction recorded per month
      • Access to more than 1000 airport lounges in more than 100 countries
      • A premium insurance package
      • Free opening, holding and closing of your account
      • Free online transfers and withdrawal ATMs (in the euro zone)
      • Free payment by Credit Card abroad
      • Online access to invoices

      Fortuneo MasterCard FOSFO

        Apply now
        on Fortuneo's secure website

        Costs:

        0 euros/year

        Benefits:

        • Cash reserve
        • Insurance
        • Discounts
        • Free credit cards
        • 80 euros bonus for opening the first bank account with a Fosfo MasterCard bank card (subject to acceptance of the request to open an account by Fortuneo and to have made 5 payments with the new credit card in the first 90 days)
        • Benefit from insurance and assistance: medical assistance and repatriation, hospitalization, legal assistance abroad
        • No fees on payments and withdrawals anywhere in the world
        • No minimum income conditions: the FOSFO card is open to everyone
        • No account maintenance fees
        • Add and view the accounts of your other banks in the Fortuneo app using account aggregation

        Fortuneo MasterCard Gold

          Apply now
          on Fortuneo's secure website

          Costs:

          0 euros/year

          Benefits:

          • Cash reserve
          • Insurance
          • Discounts
          • Free credit cards
          • 80 euros bonus for opening the first bank account with a MasterCard Gold bank card (subject to acceptance of the request to open an account by Fortuneo and to have made 5 payments with the new credit card in the first 90 days)
          • Assistance insurance with a dedicated personal space in order to be able to access your personal information, your certificates and guarantees, your claims and the follow-up of your claims in just a few clicks.
          • No fees on payments and withdrawals from credit card anywhere in the world.
          • You have access to PriceLess Paris: a program that offers you premium deals and experiences for your daily life or during your trips to Pari
          • Gold CB MasterCard privilege offers: preferential conditions for your leisure activities (travel, vehicle rental, shows, wines and flowers, etc.) and up to 30% of your purchases reimbursed by shopping on the CB MasterCard Shopping Mall

          Hello bank! Visa One

            Apply now
            on Hello bank!'s secure website

            Costs:

            0 euros/year

            Benefits:

            • Cash reserve
            • €50 offered if you open your first account
            • The Hello One credit card is free if you make at least one payment with it each month (otherwiser 3 € per month)
            • Blocking and unblocking the card
            • See all the transactions with with your card in real time on the app
            • All your card payments free of charge, even abroad
            • All your cash withdrawals from ATMs are free at BNP Paribas and its subsidiaries

            Hello bank! Visa Prime

              Apply now
              on Hello bank!'s secure website

              Costs:

              60 euros/year

              Benefits:

              • Cash reserve
              • €50 offered if you open your first account
              • Hello Prime offers the first 6 months at 1 euro per month
              • Two Visa cards with immediate or deferred debit: a Hello Prime bank card and a Hello Prime virtual card
              • All you instant transfers are free
              • Priority access when you call the Hello Team
              • Blocking and unblocking the card
              • See all the transactions with with your card in real time on the app
              • All your card payments free of charge, even abroad
              • All your cash withdrawals from ATMs are free at BNP Paribas and its subsidiaries

              BforBank VISA Classic

              Costs:

              24 euros/year

              Benefits:

              • Insurance
              • Cash reserve
              • Free from 3 payments / quarter, otherwise € 6 / quarter
              • Death and disability insurance and assistance benefits when traveling abroad: repatriation, replacement driver, medical expenses and legal assistance.

              BNP Paribas Visa Classic

              Costs:

              45 euros/year

              Benefits:

              • Cash reserve
              • €80 bonus + Esprit Libre services offered for 12 months
              • Your payments or withdrawals (with or without code) made before the card is blocked are your charge up to the limit of € 50.
              • The Visa Electron Card is valid for three years renewable by tacit agreement.
              • With the "contactless" function, you can quickly pay for small amount purchases at merchants equipped with a contactless payment terminal.
              • Thanks to BNP Paribas Global Network your cash withdrawals by card are free in more than 50 countries out of more than 50 000 distributors.
              • You and your loved ones have access to death / permanent disability insurance in France and abroad.
              • You and your relatives can benefit from a guarantee of medical assistance valid in France and abroad, supplemented by legal assistance abroad.
              • At BNP Paribas ATMs you can access the banknote deposit, self-service printers (history, balances and bank details, checkbook orders) and request the delivery of checks.

              BNP Paribas Visa Origin

              Costs:

              40 euros/year

              Benefits:

              • Cash reserve
              • €80 bonus + Esprit Libre services offered for 12 months
              • You can automatically query the account balance before each payment or withdrawal.
              • You can pay in France and abroad up to € 1,000 (or equivalent in foreign currency) per period of 30 consecutive days.
              • You can withdraw up to € 450 (or equivalent in foreign currency) per period of 7 consecutive days from BNP Paribas ATMs or other banks displaying the CB logo (in France) or Visa (abroad).
              • You can appoint a possible co-holder or a third party to also be the holder of this card.
              • Your payments or withdrawals (with or without code) made before the card is blocked are your charge up to the limit of € 50.
              • The Visa Origin Card is valid for three years, renewable by tacit agreement.
              • At BNP Paribas’ ATMs you can access the banknote deposit, self-service printers (history, balances and bank details, checkbook orders) and request the delivery of checks.

              Floa Bank MasterCard Gold

              Costs:

              54 euros/year

              Benefits:

              • Insurance
              • Best deals
              • Free withdrawal
              • Fidelity bonus
              • Pay back in installments
              • Purchase protection
              • Warranty
              • Discounts
              • Cash back
              • Cash reserve
              • Loyalty 2% accumulated on Casino and Cdiscount purchases and 1% on payments made anywhere else
              • The FloaBank's MasterCard Gold credit card allows you to earn cashback on your purchases, more info on floabank.fr
              • Free withdrawals in the euro zone
              • Travel insurance, leisure, shopping, loss and theft insurance for your card
              • Contactless payments up to € 50
              • Best price guarantee for all your purchases; if you find cheaper elsewhere, the difference will be refunded.
              • Apple Pay - pay for purchases with your iPhone
              • Priceless Mastercard Program , up to 15% discount on your purchases on partner sites: clothing, IT, travel, beauty, home ...
              • The Cdiscount credit card is linked to an annually renewable credit. It can be used to pay from the current account or on credit at the time of payment.
              • With the Cdiscount card, you can pay several times in CD or casino stores, or spread out your payments, more info on floabank.fr

              HSBC Visa Electron

              Costs:

              35 euros/year

              Benefits:

              • Student cards
              • Cash reserve
              • Card particularly suited to young people under 16 to 18 years old
              • Give access to a debit card (payment card with systematic authorization) for an annual fee of € 35
              • € 1,200 withdrawals / 7 days from HSBC France ATMs
              • 300 € withdrawals / 7 days in ATMs of other banks in France and abroad
              • € 2,000 payment / 30 fixed days, including € 1,500 abroad (in local currency equivalent)

              Zero MasterCard Gold

              Costs:

              0 euros/year

              Benefits:

              • Insurance
              • Pay back in installments
              • Free credit cards
              • Cash reserve
              • A free Gold Mastercardsans card
              • Free credit up to 6 weeks, for payment of all of your purchases upon receipt of your statement
              • No need to change banks
              • Travel accident insurance
              • Trip cancellation insurance
              • Theft and damage insurance for rental cars
              • Medical assistance and repatriation
              • Coverage of medical costs and hospitalization abroad
              • Legal assistance abroad
              • Replacement driver
              • Assistance for injuries related to winter sports

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