Credit card comparator (June 2026)

Compare fees, APR, rewards and perks. Filter by bank and by features.

18 cards

American Express

American Express Platinum

American Express

9.2/10

Unlimited VIP lounges, 24/7 concierge and premium insurance

  • Unlimited access to 1,300 VIP lounges
  • Hotel status programmes
  • 5 points per € on travel
Issuance fee
Gratis
Renewal fee
720.00 €
APR from
—

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Travel · Shopping
Go to offer
American Express

American Express Gold

American Express

9.0/10 Recommended

Membership Rewards points and premium travel insurance

  • 2 points per € on travel
  • Travel and car-rental insurance
  • Priority event access
Issuance fee
Gratis
Renewal fee
175.00 €
APR from
—

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Travel · Shopping
Go to offer
EVO Banco

EVO Smart Credit Card

EVO Banco

9.0/10 Recommended

9.90% APR and no FX fee

  • Deferred APR from 9.90%
  • No FX fee
  • No annual fee
Issuance fee
Gratis
Renewal fee
Gratis
APR from
9.90% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
No rewards
Go to offer
Iberia

Visa Iberia Premium

Iberia

9.0/10 Recommended

The traveller's card: Avios, premium insurance and no FX fee

  • 2 Avios per € on Iberia
  • No foreign currency fee
  • Premium travel and cancellation insurance
  • VIP lounge access in Madrid
Issuance fee
Gratis
Renewal fee
175.00 €
APR from
22.95% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Travel
Go to offer
Openbank

Openbank Diamond Card

Openbank

8.7/10

Premium card with no FX fee and travel insurance

  • No foreign currency fee
  • Travel and purchase insurance
  • Cashback on selected purchases
Issuance fee
Gratis
Renewal fee
90.00 €
APR from
—

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Travel · Shopping
Go to offer
BBVA

BBVA After Card

BBVA

8.6/10 Recommended

The lowest deferred-payment APR on the market

  • No fees
  • Deferred payment from 12.50% APR
  • Choose how many months to repay each purchase
Issuance fee
Gratis
Renewal fee
Gratis
APR from
12.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
No rewards
Go to offer
BBVA

BBVA Aqua Credit Card

BBVA

8.4/10

Card with number on the back — safer for online purchases

  • Sensitive data in the app, not printed
  • Worldwide acceptance
Issuance fee
Gratis
Renewal fee
40.00 €
APR from
18.95% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Shopping

Representative example

More details
CaixaBank

CaixaBank Visa Iberia Plus

CaixaBank

8.3/10

Earn Avios on purchases with travel insurance included

  • 1 Avios per €1.5 spent
  • Travel insurance included
  • Avios bonus when you spend €7,500
Issuance fee
Gratis
Renewal fee
100.00 €
APR from
23.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Travel
Go to offer
Santander

Santander Zero Card

Santander

8.3/10

No issuance or renewal fees

  • Up to 3% cashback on selected sectors
  • No fees
  • Optional deferred payment
Issuance fee
Gratis
Renewal fee
Gratis
APR from
21.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Shopping
Go to offer
Santander

Iberia Sendo Visa Santander

Santander

8.2/10

Earn Avios on every everyday purchase

  • 1 Avios per €2 spent
  • 1,500 Avios welcome bonus
  • Iberia baggage allowance bonus
Issuance fee
Gratis
Renewal fee
60.00 €
APR from
23.99% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Travel
Go to offer
ABANCA

ABANCA Tú Card

ABANCA

8.0/10

Two cards in one — credit and debit on a single plastic

  • Credit and debit modes
  • Configurable instalments from the app
Issuance fee
Gratis
Renewal fee
Gratis
APR from
20.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Fuel

Representative example

Go to offer
American Express

American Express Blue

American Express

8.0/10

Automatic cashback on every purchase, with no annual fee

  • Up to 0.75% cashback
  • No annual fee
  • Membership Rewards programme
Issuance fee
Gratis
Renewal fee
Gratis
APR from
24.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Shopping
Go to offer
CaixaBank

CaixaBank MyCard Credit

CaixaBank

7.9/10

Classic credit card with a competitive deferred APR

  • Deferred payment from month one
  • Interest-free month-end payment
  • Apple Pay & Google Pay
Issuance fee
Gratis
Renewal fee
36.00 €
APR from
14.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Shopping
More details
Banco Sabadell

Sabadell Visa Premia

Banco Sabadell

7.8/10

Cashback on fuel, supermarkets and online purchases

  • Up to 5% cashback on fuel
  • Cashback at selected supermarkets
  • Deferred payment available
Issuance fee
Gratis
Renewal fee
30.00 €
APR from
19.95% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Fuel · Shopping
Go to offer
ING

ING Credit Card

ING

7.7/10

No-fee credit card with month-end and deferred payment

  • No fees with the Salary Account
  • Interest-free month-end payment
  • Flexible deferred payment
Issuance fee
Gratis
Renewal fee
Gratis
APR from
21.99% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
No rewards
Go to offer
Openbank

Openbank Classic Credit Card

Openbank

7.6/10

Online credit card with interest-free month-end payment

  • No fees if you keep the Open Account
  • Month-end payment 0% APR
  • Choose how to pay from the app
Issuance fee
Gratis
Renewal fee
Gratis
APR from
19.50% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
No rewards
Go to offer
WiZink

WiZink Classic Card

WiZink

7.2/10

No-fee credit card with flexible deferred payment

  • No annual fee
  • Deferred or revolving payment
  • Worldwide acceptance
Issuance fee
Gratis
Renewal fee
Gratis
APR from
21.36% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
No rewards
Go to offer
WiZink

WiZink Oro Card

WiZink

7.0/10

Credit card with up to 1% cashback at selected retailers

  • Up to 1% cashback
  • No annual fee
  • Selected-merchant promos
Issuance fee
Gratis
Renewal fee
Gratis
APR from
26.82% Instalments

Excludes end-of-month payment (0% nominal, 0% APR).

Rewards
Shopping
Go to offer

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Frequently asked questions

Legal notice

  1. Conditions are updated periodically but are not binding. Always check the official information on the issuer's website before applying.
  2. Contracts are signed directly between the issuer and the customer; CreditCheck is neither party to the contract nor responsible for its execution.
  3. Nominal rate, APR and fees are based on the representative examples published by the banks. They are not comparable without taking the payment mode, amount and term into account.
  4. The "APR from" excludes end-of-month payment (0% nominal, 0% APR) — it only applies to instalments or revolving.
  5. Representative example calculations are illustrative. The real cost can vary depending on the products and services contracted, as well as the bank's decisions when processing the application.