# Business and Autonomo Cards in Spain (2026): 5 Ranked > Business and autonomo cards in Spain in October 2026: Finom leads with a free Solo plan, Qonto starts at EUR 9 a month before IVA, Revolut Business has a free Basic plan; most are prefunded, not credit. Updated: October 2026 · By Jules · URL: https://www.how-to-spain.com/finance/business-credit-cards As of October 2026, most business cards for autonomos and small companies in Spain are **prefunded debit cards, not credit**. The research ranks **Finom Solo** first (83/100, EUR 0 on the Solo plan for one autonomo), then **Qonto** (82, EUR 108 a year before IVA) and **Revolut Business** (81, free Basic plan). N26 Business Estandar is free but for autonomos only, with no employee cards. For a real credit line, no bank publishes its business card pricing: ask in branch. ## Which Business Cards in Spain Score Highest? **How we ranked:** the research's 100-point business score: cost (18), eligibility for autonomos and SLs (15), employee cards (12), expense tools (12), funding model (10), liability (10), foreign-currency fees (8), rewards (8), support (7). The reference business spends EUR 36,000 a year, EUR 3,600 outside the euro, on 3 user cards. Commission never enters the score. Rank byEditor's pickLowest year-one feeLowest year-two fee (no conditions met)Show onlyFree in year two, no conditionsSorting reorders the offers below. Filters grey out offers that do not match; none are removed. Our overall pick below is Finom Solo, EUR 0 a year. List score 83/100 ### Finom Solo Finom business account and debit card Pros - Free Solo plan for a single autonomo - Prefunded: no personal credit check Cons - Not a credit card: no financing - Safeguarded funds, not FGD-covered - Fees: EUR 0 a year [Visit Finom Solo](https://finom.co/es-es)List score 82/100 ### Qonto Qonto business account and card Pros - Receipt capture with IVA detection - Spanish-speaking support Cons - No credit line: prefunded only - No cash or cheque handling - Fees: EUR 108 a year [Visit Qonto](https://qonto.com/es)List score 81/100 ### Revolut Business Revolut business account and cards Pros - Free entry plan - Team cards with limits Cons - Foreign exchange above the plan allowance costs 0.6% or more - Fees: EUR 0 a year Pay with[Visit Revolut Business](https://www.revolut.com/es-ES/business/)List score 68/100 ### American Express Business Gold American Express business charge card in Spain Pros - Charge card: settled in full each month Cons - A personal guarantee is typical for small companies and autonomos - Amex is accepted at fewer Spanish businesses than Visa or Mastercard - Fees: not published a year [Visit American Express Business Gold](https://www.americanexpress.com/es-es/empresas/)List score 66/100 ### N26 Business Estandar N26 business account for autonomos Pros - Free plan for autonomos - 0.1% cashback on card spending Cons - Autonomos only: SL companies cannot open it - No employee cards - Fees: EUR 0 a year Pay with[Visit N26 Business Estandar](https://n26.com/es-es/cuenta-empresa) ## What does each card cost? Fees from the issuers' own pages and fee documents, accessed 2026-10-25. "Not published" means the figure could not be confirmed there. | Card | Type | Year one | Year two | Abroad (FX) | How to avoid the fee | | --- | --- | --- | --- | --- | --- | | [Finom Solo](https://finom.co/es-es) | Business | EUR 0 | EUR 0 | The Solo plan's foreign-currency markup was not captured | No fee to avoid | | [Qonto](https://qonto.com/es) | Business | EUR 108 | EUR 108 | Not stated in the research record | No published waiver | | [Revolut Business](https://www.revolut.com/es-ES/business/) | Business | EUR 0 | EUR 0 | Free up to the plan allowance; the rate above it was not captured as a single figure | No fee to avoid | | [American Express Business Gold](https://www.americanexpress.com/es-es/empresas/) | Business | not published | not published | Not verified for the Spanish card | No published waiver | | [N26 Business Estandar](https://n26.com/es-es/cuenta-empresa) | Business | EUR 0 | EUR 0 | 0% | No fee to avoid | ## Which card fits your situation? Worked scenarios, October 2026. Rows whose winner depended on a fee QA could not confirm are left out. | # | Situation | Best answer | Runner-up | Why | Ruled out | | --- | --- | --- | --- | --- | --- | | 3A-L5-1 | SL with 3 employee cards that needs receipt capture | Qonto | Finom Smart | Per-card limits and IVA receipt capture | N26 Business (no employee cards) | | 3A-L5-3 | Import-export business paying suppliers in USD or GBP | Revolut Business | Finom | Multi-currency accounts with a free foreign-exchange allowance | Bank business cards | | 3A-L5-4 | Travel-heavy consultancy that needs lounges | American Express Business Platinum | None verified | Global Lounge Collection | Finom and Qonto (no lounges) | | 3A-L5-5 | Wants expense cards without a personal guarantee | Finom | None verified | Prefunded, so no guarantee is needed | American Express (a guarantee is typical) | | 3A-L5-6 | SL that needs a credit line | No verified answerA bank business credit card, but no bank publishes the pricing | Ask BBVA, CaixaBank or Santander in branch | The fintech options are prefunded only | All prefunded fintechs, for the credit need | | 3A-L5-8 | Company of 10 that needs spending controls | Qonto | Finom Grow | Granular card controls | Pleo and Soldo (pricing not verified) | ## Which Card Suits an Autonomo? The same five cards serve autonomos (self-employed workers registered in RETA); what changes is the use case. Autonomo scenarios, October 2026. | # | Situation | Best answer | Runner-up | Why | Ruled out | | --- | --- | --- | --- | --- | --- | | 3A-L5-2 | Autonomo with no budget who needs a Spanish IBAN and a card | Finom Solo | Revolut Business Basic | EUR 0 a month, confirmed on Finom's pricing page | Qonto (from EUR 9 a month before IVA) | | 3A-L5-7 | Autonomo who already uses N26 personally | N26 Business | Finom Solo | Free plan in the same app | SL companies (excluded by N26's terms) | | 3A-L7-2 | Autonomo who wants clean IVA receipt exports | Qonto | Finom | IVA-aware receipt capture | N26 Business (weaker exports) | | 3A-L7-7 | Autonomo with a poor personal credit history | Finom | Qonto | Prefunded, so no credit check | American Express and bank credit cards | ## Change log Updated 25 October 2026 - 2026-10-25 Published: business and autonomo cards in Spain, ranked, with prefunded versus credit explained ## What Should You Read Next? [### Credit Cards in Spain Personal credit cards ranked.](/finance/credit-cards)[### Open a Bank Account in Spain Accounts and documents.](/finance/open-a-bank-account)[### Jobs in Spain Salaries, SMI and contracts.](/jobs) ## Frequently Asked Questions ### What is the best business card for autonomos in Spain? In the research's ranking, Finom Solo leads (83/100) with a free Solo plan for one autonomo, confirmed on its pricing page in October 2026. Qonto suits autonomos who want IVA-aware receipt capture, and N26 Business suits those already using N26. ### Can an SL company get a business credit card in Spain? The fintech cards here are prefunded, not credit. For a credit line, an SL has to go to a bank such as BBVA, CaixaBank or Santander in branch, and none publishes its business card pricing. ### Do Spanish business cards need a personal guarantee? Prefunded cards such as Finom do not, because you spend your own balance. American Express business cards typically ask small companies and autonomos for a personal guarantee. --- Source: https://www.how-to-spain.com/finance/business-credit-cards Last updated: Updated: October 2026 Format: LLM-readable Markdown twin (.md) of the canonical HTML page.