# Travel Cards in Spain (2026): Fees Abroad, Lounges and Insurance > Travel cards in Spain in October 2026: American Express Platinum leads (EUR 780, EUR 530 after the travel credit, Priority Pass capped at 20 visits), ING charges 3% abroad by default, and Wise gives EUR 250 of free ATM withdrawals a month. Updated: October 2026 · By Jules · URL: https://www.how-to-spain.com/finance/travel-cards As of October 2026, the research ranks **American Express Platinum** first for travel (76/100): **EUR 780 a year**, EUR 530 after the EUR 250 travel credit, with Priority Pass **capped at 20 visits**. ING's free credit card charges **3%** abroad by default. For cash abroad, debit cards do better: Wise gives **EUR 250 of free ATM withdrawals a month**, then 2.69%. SIXT Spain does not accept prepaid cards or cash for the rental deposit at pickup. ## Which Travel Cards in Spain Score Highest? **How we ranked:** the research's 100-point travel score: net fee after credits (18), foreign-currency fees (18), travel insurance (15), settlement (12), rewards (10), acceptance (10), other benefits (7), ATM fees (5), English support (5). The reference traveller spends EUR 14,400 a year, EUR 4,800 of it outside the euro, on 4 trips with 4 ATM withdrawals. Commission never enters the score. Rank byEditor's pickLowest year-one feeLowest year-two fee (no conditions met)Sorting reorders the offers below. Filters grey out offers that do not match; none are removed. Our overall pick below is American Express Platinum, EUR 780 a year. List score 76/100 ### American Express Platinum Premium American Express charge card in Spain Pros - EUR 250 a year travel credit through Amex Travel, so the net fee is EUR 530 - Global Lounge Collection, 1,400+ lounges Cons - Priority Pass is capped at 20 visits a year (10 for the supplementary card), not unlimited - EUR 30,000 gross income and Spanish residence required - Guest lounge entries are billed separately - Fees: EUR 780 a year [Visit American Express Platinum](https://www.americanexpress.com/es-es/tarjetas/)List score 72/100 ### 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 Pay with[Visit Advanzia Tarjeta YOU](https://www.tarjetayou.es)List score 68/100 ### 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 [Visit American Express Gold](https://www.americanexpress.com/es-es/tarjetas/)List score 64/100 ### 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 [Visit ING Tarjeta de Credito](https://www.ing.es/tarjetas-ing/pago-flexible) ## 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 | | --- | --- | --- | --- | --- | --- | | [American Express Platinum](https://www.americanexpress.com/es-es/tarjetas/) | Charge card (tarjeta de cargo) | EUR 780 | EUR 780 | Not verified for the Spanish card | No published waiver | | [Advanzia Tarjeta YOU](https://www.tarjetayou.es) | Hybrid credit | not published | not published | QA could not confirm the fee on the issuer's site on 25 October 2026 (decision D9) | No published waiver | | [American Express Gold](https://www.americanexpress.com/es-es/tarjetas/) | Charge card (tarjeta de cargo) | EUR 192 | EUR 192 | Not verified for the Spanish card | No published waiver | | [ING Tarjeta de Credito](https://www.ing.es/tarjetas-ing/pago-flexible) | Delayed debit (pago a fin de mes) | EUR 0 | EUR 0 | 3% | 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-L9-3 | Premium traveller, 10 trips a year, values insurance depth | American Express Platinum | American Express Gold | EUR 250 travel credit (net fee EUR 530) and the fullest insurance stack | Iberia Zenit (EUR 948, Iberia lounges only) | | 3A-L9-4 | Budget traveller under 25 | Revolut Standard | Wise | Free plan with a foreign-exchange allowance | American Express (income requirement) | | 3A-L9-5 | Chasing Iberia status | Iberia Icon | American Express Gold | Iberia Club Silver status perks | Iberia Classic and Aire (no status perks) | | 3A-L9-6 | Family summer trip, wants insurance that includes the children | American Express Gold (check the family cover in the terms) | ING Tarjeta de Credito | Insurance breadth against the EUR 192 fee | Prepaid cards (no insurance) | | 3A-L9-8 | Two-week visitor from the UK | Wise | Revolut | No residence ties, about 0.5% per conversion | Every Spanish-issued credit card | ## Which Debit Cards Work Best Abroad? - **Revolut Standard**: Free ATM withdrawals up to EUR 200 or five withdrawals a month on Standard. Above the monthly allowance, withdrawals outside Spain cost 2%; in Spain Revolut only passes on a fee the ATM operator charges it. - **Wise**: EUR 250 a month of free ATM withdrawals. Above EUR 250 a month, ATM withdrawals cost 2.69% of the amount over EUR 250. - **Nickel**: EUR 1.50 per card payment outside the euro on the standard card. ## Can You Rent a Car With a Debit or Prepaid Card? Not with a prepaid card at SIXT Spain: its help centre says prepaid cards and cash at pickup are not accepted, and the deposit needs a credit card in the main driver's name (October 2026). Check your rental company's own terms before you book. ## Change log Updated 25 October 2026 - 2026-10-25 Published: travel cards in Spain, foreign-currency fees, ATM allowances and the SIXT prepaid rule ## What Should You Read Next? [### Credit Cards in Spain All 8 ranked credit cards.](/finance/credit-cards)[### Debit Cards in Spain ATM allowances and FX fees.](/finance/debit-cards)[### Free Credit Cards in Spain Free in year one and year two.](/finance/free-credit-cards)[### Travel Insurance in Spain Cover beyond what a card includes.](/insurance/travel-insurance) ## Frequently Asked Questions ### What is the best card for non-euro travel from Spain? For card payments abroad, a debit card such as Wise (about 0.5% per conversion) or Revolut (free within its fair-use allowance) keeps costs lowest. Among credit cards, the research ranks American Express Platinum first for travel, while ING charges 3% by default (October 2026). ### Can I rent a car in Spain with a debit or prepaid card? SIXT Spain does not accept prepaid cards or cash at pickup and asks for a credit card in the main driver's name for the deposit (October 2026). Rules vary by company, so check before booking. ### Is American Express Platinum's lounge access unlimited? No. Its Priority Pass allowance is capped at 20 visits a year (10 for the supplementary card); the card costs EUR 780 a year, or EUR 530 after the EUR 250 travel credit (October 2026). --- Source: https://www.how-to-spain.com/finance/travel-cards Last updated: Updated: October 2026 Format: LLM-readable Markdown twin (.md) of the canonical HTML page.