# What Are the Best Credit Card Issuers in Portugal? (2026) > Compare the main Portuguese credit card issuers: banks, fintechs, direct issuers, and store-card partners. By Jules de Bruin · URL: https://www.how-to-portugal.com/finance/card-issuers Updated August 2026. The main credit card issuers in Portugal are high-street banks such as Millennium bcp, Caixa Geral de Depósitos, Novobanco, BPI, Santander, and ActivoBank; direct issuers such as WiZink and Unibanco; and partner issuers such as Cetelem and Banco CTT. Fintechs such as Revolut and N26 issue debit cards, not local revolving credit cards. ## Who Are the Main Credit Card Issuers? Banks bundle credit cards with current accounts. Direct issuers specialise in cards without requiring a current account. Partner issuers often run store or brand programmes. Fintechs focus on debit and multi-currency accounts. ## How to Choose an Issuer If you already bank in Portugal, a bank card may offer fee waivers. If you want a free standalone card, look at direct issuers. If you shop heavily with a partner network, co-brand cards can maximise rewards. ## Top Credit Card Issuers Leading issuers from the August 2026 catalogue, ranked by product breadth, fee competitiveness, and accessibility. Unicre ### Cartão Unibanco Clássico 4.0No availability fee, in year 1 or any year after - You do not have to change bank - 20 to 50 days of interest-free credit - **18,9%** TAEG if you pay in instalments [View products](https://www.unibanco.pt/cartoes/cartao-unibanco/)Annual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG 18,9% (TAN 18,400%)Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. an international fee per the Unicre price listRewardsCashback tiers up to EUR 200 in the first 12 months (EUR 5/10/20 per month bands by monthly spend); Trividir 3x 0% instalmentsBilling50 days interest-free at 100%; fixed/percentage instalments; Trividir splits purchases from EUR 150 into 3x without interestHow to applyonline / lojaCard inabout 5-10 business daysPrices as of August 2026, verify on the provider site. WiZink Bank ### WiZink Flex 4.0No availability fee in any year - Flexible repayment over 3 to 96 months - Free travel insurance and purchase protection - TAEG around **19%**, at Banco de Portugal's ceiling [View products](https://www.wizink.pt/public/cartoes-de-credito)Annual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG ~19,0% (desde)Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. n/aRewardsNone on Flex (rewards sit on the WiZink Rewards sibling)BillingFim do Mês (pay in full, interest-free) or Fracionado instalments with interestHow to applyonlineCard inabout 5-10 business daysPrices as of August 2026, verify on the provider site. Universo ### Cartão Universo+ 4.25% on Continente and Meu Super purchases, in end-of-month mode - **1%** in other shops, credited to your Cartão Continente - No annual fee and no availability charge - The **5%** cashback is capped at **EUR 10** a month in practice [View products](https://universo.pt/cartao-de-credito-universo/)Annual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG 18,5% (TAN 18,00%)Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. MastercardPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. n/aRewardsIn Fim do Mês mode: 5% in Cartão Continente balance at Continente/Meu Super/Wells/ZU and 1% everywhere else (1.5% on first EUR 250, 0.5% above EUR 750 per statement); Cartão Continente promotions and vouchersBillingFim do Mês (interest-free), fixed monthly instalments, or split individual purchases 3-24xHow to applyonline / appCard inabout 5-10 business daysPrices as of August 2026, verify on the provider site. Cetelem ### Cetelem Black Plus 4.03% em supermercados, restaurantes, gasolineiras, TVDE e streaming - No annual fee and no availability fee - Cashback of up to **EUR 120** a year - Cashback capped at **EUR 10** a month [View products](https://www.cetelem.pt/cartao-de-credito/black-plus)Annual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG ~19,0%Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. MastercardPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. n/aRewards3% cashback in six chosen categories (supermarkets, restaurants, fuel, EV charging, TVDE, streaming); EUR 50 joining voucher (promo 16 Jun–30 Sep 2026, min EUR 300 spend in 45 days)Billing50 days interest-free at 100%; Fim do Mês, Fracionado or Personalizado payment modesHow to applyonlineCard inabout 5-10 business daysPrices as of August 2026, verify on the provider site. Bankinter ### Bankintercard Gold 3.83% cashback for the first 12 months - No annual fee and no availability fee - Does not require opening a Bankinter account - Cashback capped at **EUR 5** a month (**EUR 60** a year) [View products](https://www.bankinter.pt/bankintercard)Annual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG ~19,0%Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. n/aRewards3% cashback on purchases during the first 12 months, capped EUR 5/month (EUR 60/year)BillingFim do Mês (interest-free) or fixed monthly instalments; purchases splittable into 3-24 monthsHow to applyonlineCard inabout 5-10 business daysPrices as of August 2026, verify on the provider site. Cofidis ### Cartão de Crédito Cofidis (plano Standard) 3.61% cashback on all purchases, with no annual fee - The Mais plan at **EUR 2** a month raises cashback to **2%** - Sign-up and management **100%** online - Standard cashback capped at **EUR 100** a year [View products](https://www.cofidis.pt/cartao-credito)Annual feeFreeAPR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG n/a (check the price list)Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. MastercardPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. n/aRewardsNenhumBilling20 to 50 interest-free days when you repay 100% of the balanceHow to applyonlineCard inn/aPrices as of August 2026, verify on the provider site. Millennium bcp ### Cartão Millennium TAP Classic 3.51 mile per euro spent - 2.000 welcome miles on sign-up - Travel insurance included - An annual fee of 41,60 EUR every year [View products](https://www.millenniumbcp.pt/particulares/cartoes)Annual feeEUR 41,60APR?APR The yearly cost of carrying a balance, interest plus fees (TAEG). It only bites if you do not repay in full, and it compounds fast. TAEG 18,5% (TAN 12,60%)Network?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaPortuguese IBAN?Portuguese IBAN Whether the product needs a bank account with a Portuguese (PT50) IBAN. Foreign-IBAN accounts are legal to use, but some billers still reject them. RequiredMore detailsFX fee?FX fee What the issuer adds when you pay in a currency other than euro. Typically 1.75% to 2%, so 0% is a real saving abroad. n/aRewards1 TAP Miles&Go mile per EUR 1 spent (cap 5,000 miles/month); miles never expire with one purchase per monthBillingFixed monthly amount, percentages, or pay in fullHow to applyonlineCard inabout 7-10 business daysPrices as of August 2026, verify on the provider site. ## Related Guides [### Credit Cards Top picks ranked.](/finance/credit-cards)[### Credit Card Price Research Full fee table.](/finance/credit-cards-price-research)[### Requirements Approval and documents.](/finance/credit-card-requirements)[### Cards Abroad FX and travel charges.](/finance/cards-abroad) ## Frequently Asked Questions ### Is WiZink a bank? WiZink is a specialised credit institution and direct issuer; it does not operate as a full-service retail bank. ### Can I have cards from more than one issuer? Yes. Many residents keep a local credit card for instalments and a fintech debit card for travel. ### Do all banks issue credit cards? Most Portuguese retail banks issue credit cards, but product range and perks vary. --- Source: https://www.how-to-portugal.com/finance/card-issuers Last updated: n/a Format: LLM-readable Markdown twin (.md) of the canonical HTML page.