EN FR

We found 8 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.

Read more

Filters

Check the list of available credit cards!

Fortuneo MasterCard FOSFO

    Apply now
    on Fortuneo's secure website

    Costs:

    0 euros/year

    Benefits:

    • Cash reserve
    • Insurance
    • Discounts
    • Free credit cards
    • 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
      • 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

      Zero MasterCard Gold

        Apply now
        on ZERO's secure website

        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

        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.

        Boursorama Banque VISA Premier

        Costs:

        180 euros/year

        Benefits:

        • Insurance
        • Free withdrawal
        • Cash reserve
        • 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

        Costs:

        180 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Free withdrawal
        • Cash reserve
        • 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

        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
        • Free withdrawals in the euro zone
        • Welcome offer 30% in Casino voucher or up to 30% discount on the 1st Cdiscount order
        • Travel insurance, leisure, shopping, loss and theft insurance for your card
        • 4 times free commission payment all year round at Casino
        • Contactless payments up to € 30
        • 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 ...

        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)

        We use cookies to help us improve and create a better user experience for you. You can see here the cookies that we are using and how to opt out. Or you can: