What Are the Best Business Credit Cards in Portugal? (2026)
The verdict for residents
Updated August 2026. Get the Cartão BPI Business at EUR 30 a year. Business cards in Portugal come from the big banks and require the company's (or ENI's) account at the issuing bank; there is no standalone business issuer. Compare the fee against what you actually use: extra cards for staff, spend controls, and statements the accountant can import.
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Which credit card is the best for residents?
★ Business pick
Cartão BPI Business
Business fit 3 of 5. A simple option for a resident business, in the Portuguese market as of 2026
- Eligibility
- Portuguese IBAN required
Cards(4)
- Cartão BPI NowFree
revolving credit / annual fee · 18.5% TAEG · above 1% abroad
- Cartão BPI ClassicEUR 20.00/yr
revolving credit / annual fee · 16.4% TAEG · above 1% abroad
- Cartão BPI BusinessOur pick hereEUR 30.00/yr
business credit / annual fee · 19.8% TAEG · above 1% abroad
- Cartão BPI Gold+EUR 50.00/yr
revolving credit / annual fee · 18.8% TAEG · above 1% abroad
Fees as of August 2026, verify on the issuer's price list.
More details
- Annual fee
- EUR 30.00/yr
- Annual fee
- EUR 30.00/yr
- APR
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.
- 19.8% TAEG
- Cost abroad
- Above 1%
- 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.
- Visa
- Portuguese 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.
- Required
Best for business owners and freelancers who want the safest yes.
Also great
Cartão de Crédito Santander Business
Business fit 4 of 5. Free-if-used SME card with decent limit range; better-value alternatives exist elsewhere in this segment
- Eligibility
- Portuguese IBAN required
- Support
- English support is limited
Cards(3)
- Cartão de Crédito Santander BusinessOur pick hereEUR 50.40/yr
business credit / annual fee · 19.5% TAEG · above 1% abroad
- Cartão de Crédito Gold SantanderEUR 72.00/yr
revolving credit / annual fee · 18.5% TAEG · above 1% abroad
- Cartão de Crédito Platinum SantanderEUR 150.00/yr
revolving credit / annual fee · 18.5% TAEG · above 1% abroad
Fees as of August 2026, verify on the issuer's price list.
More details
- Annual fee
- EUR 50.40/yr
- Annual fee
- EUR 50.40/yr
- APR
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.
- 19.5% TAEG
- Cost abroad
- Above 1%
- 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.
- Visa/Multibanco
- Portuguese 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.
- Required
Best for business owners and freelancers who need a different issuer.
Best value
Cartão TAP Business
Business fit 4 of 5. SMEs flying TAP convert operating spend into flights
- Eligibility
- Portuguese IBAN required
- Support
- English support is limited
Cards(4)
- Cartão Millennium Go!Free
revolving credit / annual fee · 15.5% TAEG · above 1% abroad
- Cartão Classic Millennium bcpEUR 10.40/yr
revolving credit / annual fee · 15.7% TAEG · above 1% abroad
- Millennium ClassicEUR 10.40/yr
revolving credit / annual fee · 15.7% TAEG · above 1% abroad
- Cartão TAP BusinessOur pick hereEUR 88.40/yr
business credit / annual fee · 19.9% TAEG · above 1% abroad
Fees as of August 2026, verify on the issuer's price list.
More details
- Annual fee
- EUR 88.40/yr
- Annual fee
- EUR 88.40/yr
- APR
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.
- 19.9% TAEG
- Cost abroad
- Above 1%
- 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.
- Visa/Multibanco
- Portuguese 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.
- Required
Best for business owners and freelancers who need a different issuer.
Compare two providers
Already down to two? Each comparison declares a winner on every criterion that decides the purchase.
Ranked by: Annual fee, read from each card's own record; business perks vary too much across issuers to rank honestly on anything else.
What is ruled out, and why
A blocker is not a drawback. It is something that makes the card unobtainable for this reader, however good its terms are otherwise.
Blocked for this reader
What does a business need to get one?
Every card we compared
View all 58 cardsThe full market overview: every card from every issuer with its annual fee, APR and cost abroad, filterable and re-rankable.How we compared these
Five criteria, weighted for this reader and published above, fixed before the fees were collected. Every fee comes from the issuer's own price list, dated in the catalogue. Of the 58 cards, 7 are obtainable by residents.
Sources: issuer price lists and Banco de Portugal, accessed 18 August 2026. Some links earn a commission at the same rate for every issuer, so no weighting favours a payer.
Frequently asked questions
Can a freelancer (ENI) get a business credit card?
Yes, against the business account at the issuing bank. Some banks issue the consumer card on the business account instead; ask which product the account actually gets.
Are business card fees deductible?
Card fees on a business account are a business expense in most regimes; confirm the treatment for your regime with your accountant. We do not give tax advice.
Is a fintech business account a substitute?
For separating spend, yes: Revolut Business and Qonto issue debit cards with controls. They are not credit; a credit line still needs a bank business card.
Community Q&A