Free Credit Cards in Spain (2026): Free in Year Two, or Only With Conditions
Jules
Editor
Updated: October 2026 | Found helpful by 9 others
As of October 2026, BBVA Aqua Mas (85/100) and ING Tarjeta de Credito (83/100) cost EUR 0 in year one and year two with no conditions, but both need an account with the bank. WiZink Click, not scored in this list, is EUR 0 to issue and keep and settles to any bank, confirmed on WiZink's page. Advanzia Tarjeta YOU, WiZink Me, MyInvestor Tarjeta de Credito score as high or higher in the research, but their fees could not be confirmedon the issuers' sites, so they show as "not published".
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Which Free Credit Cards in Spain Score Highest?
How we ranked: the research's 100-point free-card score: free in year two with no conditions (35), how much the linked account costs you (15), year-one and additional-card cost (10), foreign-currency fees (10), ATM fees (10), credit cost (10), eligibility (5), mobile wallets (5). Cards that are only free with conditions cannot win this list. 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 Advanzia Tarjeta YOU, 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
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
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
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
What does each card cost?
| Card | Type | Year one | Year two | Abroad (FX) | How to avoid the fee |
|---|---|---|---|---|---|
| Advanzia Tarjeta YOU | 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 |
| BBVA Aqua Mas | Hybrid credit | EUR 0 | EUR 0 | Free up to EUR 300 a month of non-euro spending; the rate above that was only found on a comparison site | No fee to avoid |
| WiZink Me | Hybrid credit | not published | not published | Only a comparison-site figure was found; the issuer page was not captured | No published waiver |
| ING Tarjeta de Credito | Delayed debit (pago a fin de mes) | EUR 0 | EUR 0 | 3% | No fee to avoid |
| MyInvestor Tarjeta de Credito | Delayed debit (pago a fin de mes) | not published | not published | Only a comparison-site figure was found; the issuer page was not captured | No published waiver |
Which card fits your situation?
| # | Situation | Best answer | Runner-up | Why | Ruled out |
|---|---|---|---|---|---|
| 3A-L4-3 | Wants a free card with a real bank behind it | ING Tarjeta de Credito | BBVA Aqua Mas | Free with no conditions, but an account with the bank is required | Bank cards that are only free with conditions |
| 3A-L4-4 | Wants a free card with automatic 0% instalments | WiZink Click | BBVA Aqua Mas | Purchases of EUR 85 to EUR 1,000 split into 3 months at 0% TAE automatically, confirmed on WiZink's page | CaixaBank Visa &Go (22.42% TAE revolving) |
| 3A-L4-6 | Wants a free card but hates credit risk | ING Tarjeta de Credito (end-of-month default) | BBVA Aqua Mas in end-of-month mode | Settle-in-full mechanisms only | Revolving-first cards |
| 3A-L4-8 | Family that wants free additional cards | ING Tarjeta de Credito | BBVA Aqua Mas | Free additional card for a partner or family member | CaixaBank Visa Oro (EUR 50 per additional card) |
Which Cards Are Free Only With Conditions?
These cards are free in year one and charge from year two unless you meet the bank's conditions, so they cannot win this list:
- CaixaBank MyCard: Waived when CaixaBank's usage conditions are met. Without the conditions: EUR 48 a year.
- CaixaBank Visa &Go: Waived with one card use a year. Without the conditions: EUR 36 a year.
- CaixaBank Visa Classic: Waived under the Dia a Dia programme conditions, or under 26 with youth terms. Without the conditions: EUR 48 a year.
- Openbank Open Credit: Free with a salary or pension of EUR 900 a month or more paid in, and monthly card use. Without the conditions: not published a year.
Frequently Asked Questions
What is the best free credit card in Spain without changing bank?
WiZink Click: EUR 0 to issue and keep, settled from an account at any bank, confirmed on WiZink's page in October 2026. It needs Spanish residence and age 25 or over. Advanzia also settles to any bank, but QA could not confirm its fee.
Is the WiZink card really free?
WiZink Click has no issuance or maintenance fee and splits purchases of EUR 85 to EUR 1,000 into 3 months at 0%. If you carry a balance beyond that, interest runs at 23.85% TAE (TIN 21.58%), as shown on WiZink's page in October 2026. WiZink Me no longer appeared in WiZink's card list.
What does free in year two mean for Spanish credit cards?
Many Spanish cards are free in the first year and charge from the second unless you meet usage or salary conditions: for example CaixaBank MyCard (EUR 48 a year) and CaixaBank Visa &Go (EUR 36 a year). A genuinely free card is EUR 0 in both years with no conditions.
Sources
- BBVA: Tarjeta de Credito Aqua (accessed 2026-10-25)
- ING: Tarjeta de Credito ING (accessed 2026-10-25)
- WiZink: WiZink Click (confirmed in QA) (accessed 2026-10-25)
- CaixaBank: tarjetas de credito (accessed 2026-10-25)
- CaixaBank: Visa &Go (accessed 2026-10-25)
- CaixaBank: Visa Classic (accessed 2026-10-25)
Change log
Updated
- Published: free credit cards in Spain, free in year one and year two versus free only with conditions