Best credit cards
Editorial comparison of Spanish credit cards with good cost-to-benefits ratio, without affiliate links.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| Revolut Credit Card | €0 annual fee | No maintenance fee, no real currency exchange fee. Good for travel. Debit option available with higher limits. |
| Bankinter Singular Card | €0 first year, €25 from second year | Reduced fee if you use online banking with standing orders. Good rewards program for domestic transactions. |
| BBVA Aqua Card | €0 to €60 depending on option | Multiple credit options (debit, prepaid, traditional). Rewards program. Included insurance. |
| Santander Consumer Card | €12-€60 depending on tier | Purchase protection, insurance. Points on purchases. Available in several tiers by customer profile. |
Fees and benefits verified in July 2026. Many entities offer fee waiver if you meet requirements (payroll, transfers). Always compare total cost.
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Frequently asked questions
What is the difference between credit and debit cards?
A debit card charges directly from your account. A credit card lends you money that you have to repay. Credit cards offer cashback, points or insurance, but charge interest if you don't pay in full.
Is it safe to use a credit card?
Yes, if you use it responsibly. Set a budget, pay your full statement each month, and review your transactions. Online purchases are protected by fraud law (zero liability).
What is CashBack and how does it work?
It's a percentage of money you spend that the bank/issuer returns to you. E.g. 1% cashback: if you spend €1,000, you get €10 back. It accumulates and can be transferred to account or spent on future purchases.
What is the best card if I travel abroad?
Look for one with no foreign exchange commission (0% fee) and insurance coverage (theft, medical expenses). Some of the Spanish cards in this ranking offer both for frequent travelers.