Business and Autonomo Cards in Spain (2026): 5 Ranked
Jules
Editor
Updated: October 2026 | Found helpful by 3 others
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.
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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.
Sorting 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.
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
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
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
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
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
What does each card cost?
| Card | Type | Year one | Year two | Abroad (FX) | How to avoid the fee |
|---|---|---|---|---|---|
| Finom Solo | Business | EUR 0 | EUR 0 | The Solo plan's foreign-currency markup was not captured | No fee to avoid |
| Qonto | Business | EUR 108 | EUR 108 | Not stated in the research record | No published waiver |
| Revolut 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 | Business | not published | not published | Not verified for the Spanish card | No published waiver |
| N26 Business Estandar | Business | EUR 0 | EUR 0 | 0% | No fee to avoid |
Which card fits your situation?
| # | 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.
| # | 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 |
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.
Sources
- Finom: precios (confirmed in QA) (accessed 2026-10-25)
- Qonto: tarifas (confirmed in QA) (accessed 2026-10-25)
- Revolut Business (accessed 2026-10-25)
- N26 Business (accessed 2026-10-25)
Change log
Updated
- Published: business and autonomo cards in Spain, ranked, with prefunded versus credit explained