# Which of Portugal's 58 credit cards is right for you?

> Complete price and fee table for every credit card in the Portugal finance catalogue. Compare annual fees, APR, and cashback.

By Jules de Bruin · URL: https://www.how-to-portugal.com/finance/credit-cards-price-research

## All cards

grouped by providerRank byAnnual feeAPRCost abroadUN

### Unicre

Needs a Portuguese IBAN

Price band

Free

[Get a Unicre card](https://www.unibanco.pt/cartoes/cartao-unibanco/)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Unibanco ClássicoBest hererevolving credit | Free | 18.9% TAEG | Above 1% | Visa |
WI

### WiZink Bank

Needs a Portuguese IBAN

Price band

Free

[Get a WiZink Bank card](https://www.wizink.pt/public/cartoes-de-credito)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| WiZink FlexBest hererevolving credit | Free | 19% TAEG | Above 1% | Visa |
| Cartão SL Benfica WiZinkrevolving credit | Free | 19% TAEG | Above 1% | Visa |
| WiZink Rewardsrevolving credit | Free | 18.5% TAEG | Above 1% | Visa/Multibanco |
UN

### Universo

Needs a Portuguese IBAN

Price band

Free

[Get a Universo card](https://universo.pt/cartao-de-credito-universo/)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Universo+Best hererevolving credit | Free | 18.5% TAEG | Above 1% | Mastercard |
CE

### Cetelem

Needs a Portuguese IBAN

Price band

Free

[Get a Cetelem card](https://www.cetelem.pt/cartao-de-credito/black-plus)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cetelem Black PlusBest hererevolving credit | Free | 19% TAEG | Above 1% | Mastercard |
| Cartão de Crédito Banco CTTrevolving credit | Free | 18.9% TAEG | Above 1% | Mastercard |
| Cartão FNACrevolving credit | Free | 19% TAEG | Above 1% | Mastercard/Multibanco |
BA

### Bankinter

Needs a Portuguese IBAN

Price band

EUR 0 to 30 a year

[Get a Bankinter card](https://www.bankinter.pt/bankintercard)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Bankintercard GoldBest hererevolving credit | Free | 19% TAEG | Above 1% | Visa |
| Cartão de Crédito Bankinter Goldrevolving credit | EUR 30.00/yr | 19% TAEG | Above 1% | Visa/Multibanco |
| Cartão Bankintercard FC Portorevolving credit | Free | 18.8% TAEG | Above 1% | Visa/Multibanco |
CO

### Cofidis

Needs a Portuguese IBAN

Price band

Free

[Get a Cofidis card](https://www.cofidis.pt/cartao-credito)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão de Crédito Cofidis (plano Standard)Best hererevolving credit | Free | n/a | Above 1% | Mastercard |
BA

### Banco ActivoBank

Needs a Portuguese IBAN

Price band

Free

[Get a Banco ActivoBank card](https://www.activobank.pt/pt)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão de Crédito Classic ActivoBankBest hererevolving credit | Free | 17.9% TAEG | Above 1% | Visa |
MI

### Millennium bcp

Needs a Portuguese IBAN

Price band

EUR 0 to 312 a year

[Get a Millennium bcp card](https://www.millenniumbcp.pt/particulares/cartoes)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Classic Millennium bcprevolving credit | EUR 10.40/yr | 15.7% TAEG | Above 1% | Visa |
| Cartão Millennium Go!Best hererevolving credit | Free | 15.5% TAEG | Above 1% | Visa |
| Cartão Millennium TAP Classicrevolving credit | EUR 41.60/yr | 18.5% TAEG | Above 1% | Visa |
| Cartão Millennium TAP Goldrevolving credit | EUR 83.20/yr | 17.9% TAEG | Above 1% | Visa |
| Cartão Millennium TAP Platinumrevolving credit | EUR 312.00/yr | 18.8% TAEG | Above 1% | Visa |
| Cartão Millennium Gold Prestigerevolving credit | EUR 31.20/yr | 18.8% TAEG | Above 1% | Visa |
| American Express via Millennium bcpcharge card | n/a | n/a | Above 1% | American Express |
| Cartão de Crédito Silver Empresas Millennium bcpbusiness credit | n/a | 18.1% TAEG | Above 1% | Visa |
| Millennium Classicrevolving credit | EUR 10.40/yr | 15.7% TAEG | Above 1% | Visa/Multibanco |
| Millennium Gold Prestigerevolving credit | EUR 31.20/yr | 18.8% TAEG | Above 1% | Visa/Multibanco |
| Millennium Platinumrevolving credit | EUR 83.20/yr | 16.8% TAEG | Above 1% | Visa/Multibanco |
| Cartão TAP Businessbusiness credit | EUR 88.40/yr | 19.9% TAEG | Above 1% | Visa/Multibanco |
| Millennium Corporate Goldbusiness credit | n/a | 18.1% TAEG | Above 1% | Visa/Multibanco |
BA

### Banco BPI

Needs a Portuguese IBAN

Price band

EUR 0 to 50 a year

[Get a Banco BPI card](https://www.bancobpi.pt/particulares/cartoes/cartoes-credito)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão BPI Classicrevolving credit | EUR 20.00/yr | 16.4% TAEG | Above 1% | Visa |
| Cartão BPI NowBest hererevolving credit | Free | 18.5% TAEG | Above 1% | Visa |
| Cartão BPI Gold+revolving credit | EUR 50.00/yr | 18.8% TAEG | Above 1% | Visa |
| Cartão BPI Businessbusiness credit | EUR 30.00/yr | 19.8% TAEG | Above 1% | Visa |
AB

### ABANCA

Needs a Portuguese IBAN

Price band

EUR 0 to 50 a year

[Get a ABANCA card](https://www.abanca.pt/pt/cartoes/cartao-credito-silver/)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão de Crédito ABANCA SilverBest hererevolving credit | Free | 15.7% TAEG | Above 1% | Visa/Multibanco |
| Cartão de Crédito ABANCA Goldrevolving credit | EUR 50.00/yr | 14.4% TAEG | Above 1% | Visa/Multibanco |
ON

### Oney Bank

No Portuguese IBAN needed

Price band

Free

[Get a Oney Bank card](https://www.oney.pt/cartao/cartao-oney-auchan-mais)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Oney Auchan+Best hererevolving credit | Free | 18.4% TAEG | Above 1% | Visa/Multibanco |
| Cartão IKEA Familyrevolving credit | Free | 18.4% TAEG | Above 1% | Visa/Multibanco |
FI

### Financeira El Corte Inglés Portugal, S.F.C.

No Portuguese IBAN needed

Price band

Free

[Get a Financeira El Corte Inglés Portugal, S.F.C. card](https://www.elcorteingles.pt/info/cartao-credito/)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão El Corte InglésBest hererevolving credit | Free | 18.5% TAEG | Above 1% | Mastercard/Multibanco |
CA

### Caixa Geral de Depósitos

Needs a Portuguese IBAN

Price band

EUR 12 to 90 a year

[Get a Caixa Geral de Depósitos card](https://www.cgd.pt/Particulares/Cartoes/Credito/Pages/Cartao-Caixa-IN.aspx)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Caixa INBest hererevolving credit | EUR 12.00/yr | 19% TAEG | Above 1% | Visa |
| Cartão Caixa ISICcredit | EUR 18.00/yr | n/a | Above 1% | Visa |
| Caixa Classicrevolving credit | EUR 18.00/yr | 17.5% TAEG | Above 1% | Visa/Multibanco |
| Cartão Caixa Platinarevolving credit | EUR 90.00/yr | 18.9% TAEG | Above 1% | Visa/Multibanco |
| Cartão Miles & More Classicrevolving credit | EUR 25.00/yr | 18.8% TAEG | Above 1% | Visa/Multibanco |
| Cartão Miles & More Goldrevolving credit | EUR 60.00/yr | 18.9% TAEG | Above 1% | Visa/Multibanco |
| Cartão Caixa Business Classicbusiness credit | n/a | n/a | Above 1% | Visa/Multibanco |
CR

### Crédito Agrícola

Needs a Portuguese IBAN

Price band

EUR 12 to 48 a year

[Get a Crédito Agrícola card](https://www.credito-agricola.pt/particulares/cartoes)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Classic Crédito Agrícolarevolving credit | EUR 18.00/yr | 17.4% TAEG | Above 1% | Visa |
| Cartão Clube ABest hererevolving credit | EUR 12.00/yr | 15.2% TAEG | Above 1% | Visa/Multibanco |
| Cartão CA Classicrevolving credit | EUR 18.00/yr | 17.4% TAEG | Above 1% | Visa/Multibanco |
| Cartão CA Premierrevolving credit | EUR 48.00/yr | 19% TAEG | Above 1% | Visa/Multibanco |
NO

### Novo Banco

Needs a Portuguese IBAN

Price band

EUR 13 to 35 a year

[Get a Novo Banco card](https://www.novobanco.pt/particulares/cartoes)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão NB Brancorevolving credit | EUR 35.00/yr | 10.6% TAEG | Above 1% | Visa |
| Cartão NB VerdeBest hererevolving credit | EUR 13.00/yr | 16.9% TAEG | Above 1% | Visa |
| Cartão NB Goldrevolving credit | EUR 25.00/yr | 18.9% TAEG | Above 1% | Visa |
BA

### Banco Montepio

Needs a Portuguese IBAN

Price band

EUR 18 to 60 a year

[Get a Banco Montepio card](https://www.montepio.org/particulares/cartoes/)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão Classic MontepioBest hererevolving credit | EUR 18.00/yr | 11.4% TAEG | Above 1% | Visa |
| Montepio Classicrevolving credit | EUR 18.00/yr | 11.4% TAEG | Above 1% | Visa/Multibanco |
| Montepio Goldrevolving credit | EUR 60.00/yr | 18% TAEG | Above 1% | Visa/Multibanco |
BA

### Banco Best

Needs a Portuguese IBAN

Price band

EUR 22 to 40 a year

[Get a Banco Best card](https://www.bancobest.pt/ptg/best_card_club)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Best Gold VisaBest hererevolving credit | EUR 22.00/yr | 12.6% TAEG | Above 1% | Visa/Multibanco |
| Best Gold Plus Visarevolving credit | EUR 40.00/yr | 18.8% TAEG | Above 1% | Visa/Multibanco |
SA

### Santander Totta

Needs a Portuguese IBAN

Price band

EUR 36 a year

[Get a Santander Totta card](https://www.santander.pt/cartoes/credito)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão de Crédito Santander BaseBest hererevolving credit | EUR 36.00/yr | 16.3% TAEG | Above 1% | Visa |
BA

### Banco Santander Totta

Needs a Portuguese IBAN

Price band

EUR 50.40 to 150 a year

[Get a Banco Santander Totta card](https://www.santander.pt/cartoes-credito)
| Plan | Annual fee | APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Cartão de Crédito Gold Santanderrevolving credit | EUR 72.00/yr | 18.5% TAEG | Above 1% | Visa/Multibanco |
| Cartão de Crédito Platinum Santanderrevolving credit | EUR 150.00/yr | 18.5% TAEG | Above 1% | Visa/Multibanco |
| Cartão de Crédito Santander BusinessBest herebusiness credit | EUR 50.40/yr | 19.5% TAEG | Above 1% | Visa/Multibanco |
Fees and APR as of August 2026, read off each issuer's own price list; verify before applying. Cards with an unpublished APR sort last, never first.

## Related Guides

[### Credit Cards Top picks ranked.](/finance/credit-cards)[### Credit Card Fees Fee guide.](/finance/credit-card-fees)[### Interest Rates How TAEG works.](/finance/credit-card-interest-rates)[### Student Cards Cards for under-30s.](/finance/credit-cards/best-for-students)

## Frequently Asked Questions

### How often are prices updated?

We verify prices quarterly. The access date for each product is shown in the catalogue and noted as August 2026 in this research.

### What does n/a mean?

n/a means the value was not published on the provider site at the time of research. We do not guess.

### Does the table include business cards?

Yes, the catalogue includes a small number of business and co-brand cards.

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Source: https://www.how-to-portugal.com/finance/credit-cards-price-research
Last updated: n/a
Format: LLM-readable Markdown twin (.md) of the canonical HTML page.