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Credit Cards That Maximize Rewards This Summer
Explore top cards for cashback and rewards in 2026
Quick Picks
Top cashback: Oschadbank Моя кредитка.
Best for no annual fee: monobank Black Card.
Highest credit limit: Oschadbank Моя кредитка.
Top Cashback Offers
This summer, maximizing cashback is easier with the right credit card. Whether you're planning to travel or just want to save on everyday expenses, the cards below offer great cashback options.
Oschadbank Моя кредитка
You'd pick this if you're after high cashback rates, especially for specific spending categories. Oschadbank Моя кредитка offers an impressive 92-day interest-free period on selected categories, which is great for those who can plan their spending accordingly. The trade-off: a high 58.25% APR after the grace period.
For those who prefer no annual fees but still want cashback, monobank Black Card offers a compelling alternative with its 20% cashback on selected categories, though it comes with its own limitations.
No Annual Fee Options
Next, let's look at cards that waive annual fees but still offer competitive rewards.
monobank Black Card
What sets this apart: monobank Black Card's no-fee structure combined with its ease of access via a mobile app makes it ideal for tech-savvy users. While the credit limit is generous, the cashback being paid in bonuses might not appeal to everyone.
While no annual fee is a strong selling point, some might find the rewards structure limiting. If you're looking for premium benefits, the next section offers cards that justify their fees with top-tier perks and bonuses.
Premium Rewards Cards
For those who want the best rewards and don't mind paying for the privilege, these cards offer high-value perks.
PrivatBank Універсальна
Worth considering because of its extensive ATM and branch network, the PrivatBank Універсальна card offers flexibility and convenience unmatched by many competitors. However, the high interest rate post-grace period is a significant drawback.
Each card has its strengths, whether it's cashback, no annual fees, or premium perks. Choosing the best card depends on how you spend and what you value most in a credit card. For a deeper dive into selecting the perfect card for your needs, check out our guide on Choosing the Best Credit Card for 2026: Smart Picks for Every Need.