Credit Cards in Spain (2026): 8 Ranked, With Real Fees
Jules
Editor
Updated: October 2026 | Found helpful by 8 others
As of October 2026, the two highest-scoring credit cards in Spain are BBVA Aqua Mas (82/100) and ING Tarjeta de Credito (81/100): both cost EUR 0 in year one and year two with no conditions, but both need an account at the issuer. ING charges 3% on foreign-currency spending by default, and American Express Platinum costs EUR 780 a year with Priority Pass capped at 20 visits. The scores are commission-blind and every fee below is from the issuer's own page.
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Which Credit Cards in Spain Score Highest?
The default order is the research's 100-point score for all credit cards. It weighs cost (20), how clearly the credit cost is published (20), settlement mode (15), eligibility (15), credit-limit evidence (10), foreign-currency and ATM fees (8), rewards (5), mobile wallets (4) and English support (3). The reference reader spends EUR 12,000 a year, EUR 2,400 of it outside the euro, and pays in full. Commission never enters the score, and no card here carries an affiliate link.
Sorting reorders the offers below. Filters grey out offers that do not match; none are removed.
Our overall pick below is BBVA Aqua Mas, EUR 0 a year.
BBVA Aqua Mas
Spanish bank credit card that can be paid in full or split; free in year one and year two with no conditions
Pros
- No issuance or maintenance fee, with no conditions
- Purchases over EUR 50 can be split into 3 months at 0% TAE
- No printed card number, with a dynamic CVV in the app
Cons
- Needs a BBVA account, an NIE and a Spanish address
- Foreign-currency spending is free only up to EUR 300 a month
- Cash-advance fees at ATMs are not clearly published on the card page
- Fees: EUR 0 a year
ING Tarjeta de Credito
Delayed-debit Visa from ING Spain that settles monthly at 0% TAE; interest applies only to opted-in instalments
Pros
- Settles at the end of the month at 0% TAE by default
- No issuance, maintenance or renewal fee, with no conditions
- Free additional card for a partner or family member
Cons
- The foreign-currency fee is 3% unless Plan de Viaje is active
- Cash advances at ATMs cost 3%, minimum EUR 2
- Only for ING customers: there is no standalone version
- Instalments cost 18.95% TAE if you switch to them
- Fees: EUR 0 a year
MyInvestor Tarjeta de Credito
Delayed-debit Visa from MyInvestor with a low-cost optional instalment rate
Pros
- The cheapest verified card credit in Spain: EUR 1,500 over 48 months costs EUR 186.41 in total interest (issuer example)
- End-of-month settlement at 0% by default
Cons
- You need 3 months as a MyInvestor customer and a EUR 1,200 average balance before you can apply
- EUR 6.99 delivery for the physical card on the free plan
- Cashback only on the paid Premium plan
- Fees: not published a year
Advanzia Tarjeta YOU
Free Mastercard issued in Luxembourg that settles to any SEPA account
Pros
- Settles by SEPA transfer from an account at any bank
- Up to 7 weeks before payment is due
Cons
- The research reports no annual fee and no foreign-currency fee, but tarjetayou.es now opens a customer login and QA could not confirm either on 25 October 2026
- Spanish residence is required
- Instalments carry a TAE above 20%; sources disagree on the exact band
- The credit limit is only set after you apply
- Fees: not published a year
WiZink Me
Standalone WiZink credit card with capped category cashback; free if you pay the balance in full
Pros
- No bank switch: it settles to an account at any bank
- 3% cashback in two categories you choose
Cons
- Not in WiZink's list of current cards on wizink.es on 25 October 2026: check that it is still sold
- Cashback is capped at EUR 6 a month (EUR 72 a year), so at EUR 12,000 of yearly spending the realised rate is about 0.6%, not 3%
- Minimum age 25 and Spanish residence
- The revolving TAE differs between sources (20.90% to 27.24%) and the issuer document was not captured
- Fees: not published a year
American Express Gold
Mid-tier American Express charge card in Spain
Pros
- Charge card: the balance is paid in full each month, so there is no revolving debt
- Membership Rewards points
Cons
- Amex is accepted at fewer small Spanish shops than Visa or Mastercard
- Some headline credits differ by country: check the Spanish terms
- Fees: EUR 192 a year
CaixaBank MyCard
CaixaBank credit card with a conditional fee from year two
Pros
- Free first year
- Purchases of EUR 40 or more can be split into 3 payments at 0% (promotion to 31 December 2026)
Cons
- EUR 48 a year from year two without the conditions
- Needs a CaixaBank account and an NIE
- Fees: EUR 0 then EUR 48 in year two
Iberia Aire
Iberia co-branded credit card, low tier
Pros
- The cheapest Iberia card tier that earns Avios on all spending
Cons
- 29.85% TAE if you carry a balance
- Welcome Avios are paid in tranches with a monthly minimum spend
- Fees: EUR 60 a year
What Does Each Card Cost in Year One and Year Two?
Every credit card the research graded A or B, ranked or not. Year two shows the fee if you do not meet the waiver conditions. "Not published" means the issuer page did not show the figure; we do not fill it from comparison sites.
| Card | Type | Year one | Year two | How to avoid the fee |
|---|---|---|---|---|
| BBVA Aqua Mas | Hybrid credit | EUR 0 | EUR 0 | No fee to avoid |
| ING Tarjeta de Credito | Delayed debit (pago a fin de mes) | EUR 0 | EUR 0 | No fee to avoid |
| MyInvestor Tarjeta de Credito | Delayed debit (pago a fin de mes) | not published | not published | No published waiver |
| Advanzia Tarjeta YOU | Hybrid credit | not published | not published | No published waiver |
| WiZink Me | Hybrid credit | not published | not published | No published waiver |
| American Express Gold | Charge card (tarjeta de cargo) | EUR 192 | EUR 192 | No published waiver |
| CaixaBank MyCard | Hybrid credit | EUR 0 | EUR 48 | Waived when CaixaBank's usage conditions are met |
| Iberia Aire | Hybrid credit | EUR 60 | EUR 60 | No published waiver |
| WiZink Click | Hybrid credit | EUR 0 | EUR 0 | No fee to avoid |
| CaixaBank Visa &Go | Revolving credit | EUR 0 | EUR 36 | Waived with one card use a year |
| CaixaBank Visa Classic | Hybrid credit | EUR 0 | EUR 48 | Waived under the Dia a Dia programme conditions, or under 26 with youth terms |
| CaixaBank Visa Oro | Hybrid credit | EUR 0 | EUR 95 | No published waiver |
| Iberia Classic | Hybrid credit | EUR 50 | EUR 50 | No published waiver |
| Iberia Icon | Hybrid credit | EUR 118.80 | EUR 118.80 | No published waiver |
| Iberia Icon+ | Hybrid credit | EUR 298.80 | EUR 298.80 | No published waiver |
| Iberia Zenit | Hybrid credit | EUR 948 | EUR 948 | No published waiver |
| American Express Platinum | Charge card (tarjeta de cargo) | EUR 780 | EUR 780 | No published waiver |
| Openbank Open Credit | Hybrid credit | not published | not published | Free with a salary or pension of EUR 900 a month or more paid in, and monthly card use |
Which Cards Are Free Without Conditions?
A card is genuinely free only if both the first-year and the renewal fee are EUR 0 with no conditions. Many Spanish cards are free in year one and charge from year two unless you meet usage or salary conditions.
Free in year one and year two
- BBVA Aqua Mas
- ING Tarjeta de Credito
- WiZink Click
Free only with conditions
- CaixaBank MyCard: Waived when CaixaBank's usage conditions are met (otherwise EUR 48)
- CaixaBank Visa &Go: Waived with one card use a year (otherwise EUR 36)
- CaixaBank Visa Classic: Waived under the Dia a Dia programme conditions, or under 26 with youth terms (otherwise EUR 48)
- Openbank Open Credit: Free with a salary or pension of EUR 900 a month or more paid in, and monthly card use (otherwise not published)
Which Card Fits Your Situation?
| # | Situation | Best answer | Runner-up | Why | Ruled out |
|---|---|---|---|---|---|
| 3A-1 | Resident spending EUR 12,000 a year, pays in full, wants zero cost | BBVA Aqua Mas | ING Tarjeta de Credito | EUR 0 in year one and year two with no conditions, plus 0% TAE 3-month splits | CaixaBank MyCard (EUR 48 from year two without the conditions) |
| 3A-2 | Resident needs the cheapest emergency credit on a card (EUR 1,500) | MyInvestor Tarjeta de Credito | ING Tarjeta de Credito | Issuer example: EUR 1,500 over 48 months costs EUR 186.41 in total interest; ING instalments run at 18.95% TAE | CaixaBank Visa &Go (22.42% TAE) |
| 3A-3 | Resident who banks outside BBVA and ING and does not want to switch bank | Advanzia Tarjeta YOU | WiZink Me | Settles to any SEPA account (QA could not confirm the fee on the issuer site in October 2026) | Bank cards that require an account at the issuer |
| 3A-4 | Newcomer, 3 months in, has an NIE and a Spanish payslip, wants a first Spanish credit card | Openbank Open Credit | BBVA Aqua Mas | Free with a EUR 900 salary paid in and monthly use; digital onboarding | American Express (income requirement) |
| 3A-6 | Retiree with a pension who prefers a branch to an app | CaixaBank MyCard | BBVA Aqua Mas | Branch support; free in year one, then EUR 48 unless the conditions are met | Online-only issuers |
| 3A-7 | Weekly Iberia flyer whose employer reimburses the tickets | Iberia Icon | American Express Gold | Iberia Club Silver status and priority boarding are worth more than points | Iberia Classic (no travel perks) |
| 3A-8 | Credit file has an old ASNEF entry | No verified answerNo verified credit card: no issuer publishes criteria that accept an ASNEF listing. Fallback: Correos Prepago | Nickel | Prepaid and e-money accounts involve no credit check | WiZink, ING and the banks' credit cards |
| 3A-10 | Director of a Spanish SL who wants a personal premium card | American Express Gold | Iberia Icon | Charge discipline and points for EUR 192 a year | Iberia Zenit (EUR 948 a year) |
What Kinds of Card Exist in Spain?
The type decides whether you can carry debt and whether the card reaches CIRBE, the Banco de Espana credit register for credit above EUR 1,000. See debit versus credit cards in Spain for the full table.
- Debit: Paid at once from your account balance. Credit cost: none (an overdraft is a separate product).
- Prepaid: Spends only money loaded beforehand. Credit cost: none.
- Delayed debit (pago a fin de mes): The full month's balance is charged automatically, at 0% TAE by design. Credit cost: none if settled in full; late fees apply.
- Charge card (tarjeta de cargo): The full balance is contractually due each cycle. Credit cost: late-payment interest and fees.
- Revolving credit: Minimum payment; the rest is carried over. Credit cost: high: CaixaBank Visa &Go is 22.42% TAE.
- Hybrid credit: You switch between paying in full, instalments or revolving. Credit cost: depends on the mode you choose.
Which Recommended Cards Can You Not Get?
These cards still appear on comparison pages in October 2026, but new customers cannot get them.
- Bnext (closed): Consumer cards stopped working on 13 April 2026; some comparison sites still promoted it in October 2026
- Bank Norwegian (paused): New card issuance in Spain has been paused since 2023, yet the card is still listed as a top free card on 2026 portals
- EVO Banco (merged): EVO Banco was absorbed into Bankinter in 2025-2026; EVO card prices still quoted online are superseded
- Amazon Visa (closed): Withdrawn from the Spanish market; archived portal pages still cite it
Which Card List Should You Read Next?
Free credit cards in Spain
No fee in year one or year two.
Travel cards in Spain
Foreign-currency fees, insurance and lounges.
Debit cards in Spain
ATM allowances and foreign-currency fees.
Student cards in Spain
What works without Spanish income.
Business and autonomo cards in Spain
Cards for the self-employed and companies.
Frequently Asked Questions
What is the best free credit card in Spain?
In the research's all-credit ranking, BBVA Aqua Mas scores 82/100 and ING Tarjeta de Credito 81/100; both cost EUR 0 in year one and year two with no conditions, but both need an account with the issuer (October 2026). If you do not want to switch bank, Advanzia Tarjeta YOU settles to an account at any bank, but QA could not confirm its fee on the issuer's site.
Which Spanish credit card does not require switching banks?
Advanzia Tarjeta YOU and WiZink Me settle from an account at any bank, and both require Spanish residence and a credit check. On 2026-10-25 neither fee could be confirmed on the issuer's own site, and WiZink Me no longer appeared in WiZink's list of current cards, so check before applying.
Does the ING credit card charge a foreign-currency fee?
Yes: 3% by default. ING refunds it up to EUR 1,000 per trip only when its Plan de Viaje is active, which is free with a Cuenta NOMINA (October 2026). The card itself has no annual fee.
How much is American Express Platinum in Spain?
EUR 780 a year (EUR 65 a month), or EUR 530 after the EUR 250 annual travel credit, as of October 2026. Its Priority Pass allowance is capped at 20 visits a year, not unlimited.
What happens if I only pay the minimum on a Spanish revolving card?
The rest is carried over at the card's revolving rate. At CaixaBank Visa &Go's 22.42% TAE, EUR 1,500 repaid over 48 months costs EUR 706 in interest (issuer example, October 2026). A delayed-debit card such as ING's settles the whole month at 0% instead.
Sources
- BBVA: Tarjeta de Credito Aqua (accessed 2026-10-25)
- ING: Tarjeta de Credito ING (accessed 2026-10-25)
- American Express Espana: tarjetas (accessed 2026-10-25)
- CaixaBank: tarjetas de credito (accessed 2026-10-25)
- Iberia Cards: general conditions, personal cards 2026 (PDF) (accessed 2026-10-25)
- WiZink: WiZink Click (confirmed in QA) (accessed 2026-10-25)
- CaixaBank: Visa &Go (accessed 2026-10-25)
- CaixaBank: Visa Classic (accessed 2026-10-25)
- CaixaBank: Visa Oro (accessed 2026-10-25)
Change log
Updated
- Rebuilt as the Spain cards hub: 8 credit cards ranked by the research's commission-blind list score, year-one and year-two fees from issuer pages, the card types table, and cards still recommended elsewhere that you cannot get. Replaced the earlier 5-card list (4 were debit cards; Santander Mundo 1|2|3 and CaixaBank imagin Debit had no research record).
- Published
What Should You Read Next?
CIRBE, ASNEF and BADEXCUG in Spain
What lenders see when you apply.
Debit vs Credit Cards in Spain
How each card type settles.
Credit Cards for Residents of Spain
Once you have a Spanish payslip.
Open a Bank Account in Spain
Most bank cards need one first.
Credit Cards Price Research
Card costs in Spain in more detail.
Credit Cards User Research
What cardholders in Spain report.
CIRBE: Facts
The Banco de Espana credit register in brief.