It is very common to fill the virtual shopping basket with coats, pants or shirts waiting for the barrage of offers to arrive with the risk that the clothes end up running out. But trusting that the sales season will arrive is no longer the only formula to renew the closet. Credit cards with cashbacks allow their holders to reimburse themselves a percentage of the expenses made in certain businesses. The experts of the financial comparator HelpMyCash.com have analyzed the market and have selected the ones that have the best agreements with clothing brands.
With these plastics, in addition to being able to pay the amount of the purchases, the owner recovers a percentage of the money spent. The comparator experts point out that the bonus on the amount of purchases usually ranges between 1% and 5%, although with the chosen cards you can opt for discounts of up to 20%. In any case, they warn that "it does not always apply to all payments, sometimes only to those purchases that have been paid in installments or to those that have been made in certain establishments". Therefore, the conditions must be carefully reviewed.
WiZink is one of the entities that is most committed to cashback. All your cards are included in the program, but the one chosen has been your WiZink Click credit card. Why? Basically because it also has a flexible and free payment model, although yes, you have to adapt to its conditions. To pay for purchases with 0% interest, they must be repaid in three months and the amount must be between 85 and 1,000 euros.
In any case, it has numerous agreements with businesses within its program called WiZink Extra. You can get up to 20% on Havaianas, 15% on ItCloset -the influencers' second-hand sales platform- or up to 10% on Jimmy Lion, Banner Brand, Ecodicta, Sigularu or Meller. It is also possible to get 8% in Alohas, 7% in Bund, 5% in Camper and 4% in Privalia. Additionally, the entity currently has a promotion under which it gives away two direct round-trip flights for two people on more than 2,500 routes by spending at least 300 euros during the first three months.
Another card with return of purchases is that of ING. Your credit card offers a 10% direct discount on the purchase price on the Women'secret website and in Springfield, within the framework of its Shopping Naranja program. Although a little less than 5%, the bank also gives a 5% direct discount on the purchase price in Asos. Beyond the revolving option, ING also allows deferring purchases of more than 90 euros in 3, 6, 12 and 18 months. Despite the fact that it is not 0% like WiZink's, it offers a very competitive interest rate for these installments, below average, of 14.06% TIN (15% TAE).
Where appropriate, Openbank's Open Credit credit card also has a wide catalog of businesses adhering to its program. Refunds amount to 30% in the case of making purchases at the Meller eyewear brand and 20% at the Pilatus sustainable accessories store. Similarly, it offers a 15% discount for purchases at Pedro del Hierro, Women'secret, Springfield, Cortefiel or Merci Maman. The refund is 10% in the case of spending in the Flamingo glasses store.
Like ING, Openbank also offers advantageous financing in the case of deferred purchases. Expenses greater than 60 euros can be paid between 2 and 36 months, with an interest rate lower than installment payment, standing at 14.93% APR.
On the HelpMyCash website you can check the conditions offered by all credit cards with cashback that are currently offered in Spain. It is advisable to compare several and find the ones that best suit each one. Beyond the discounts in clothing stores, practically all of them have a much broader picture that also includes shops related to food or even travel.