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Cartão de Crédito Classic vs Cartão de Crédito Gold vs Cartão Business Gold vs Cartão Business Trade

At a glance
  • Lowest annual fee: Cartão de Crédito Classic — €18, vs Cartão de Crédito Gold €60, Cartão Business Gold €93,60 and Cartão Business Trade €72,80.
  • Purchase interest (APR): not confirmed for Cartão Business Gold and Cartão Business Trade, so we don't say which is lower.
  1. Cartão de Crédito ClassicBanco Montepio4 of 8 facts on file · annual fee checked Sep 2026
  2. Cartão de Crédito GoldBanco Montepio4 of 8 facts on file · annual fee checked Oct 2026
  3. Cartão Business GoldBanco Montepio3 of 8 facts on file · annual fee checked Oct 2026
  4. Cartão Business TradeBanco Montepio3 of 8 facts on file · annual fee checked Oct 2026
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.
Cartão de Crédito Classic
€18Lower
Cartão de Crédito Gold
€60
Cartão Business Gold
€93,60
Cartão Business Trade
€72,80
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Cartão Business Gold and Cartão Business Trade, so no card is marked lower.
Cartão de Crédito Classic
11,2%
Cartão de Crédito Gold
18%
Cartão Business Gold
Not confirmed
Cartão Business Trade
Not confirmed
Listed underThe sections of this site the card appears in.
Cartão de Crédito Classic
Low Interest, Rewards
Cartão de Crédito Gold
Premium
Cartão Business Gold
Business, Premium
Cartão Business Trade
Business
NetworkSame on allWhere the card is accepted.
Cartão de Crédito Classic
Visa
Cartão de Crédito Gold
Visa
Cartão Business Gold
Visa
Cartão Business Trade
Visa
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Not confirmed for any of these cards: Foreign transaction fee, Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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  • Cartão de Crédito Classic
  • Cartão de Crédito Gold
  • Cartão Business Gold
  • Cartão Business Trade
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Cartão de Crédito Classic reviewCartão de Crédito Gold reviewCartão Business Gold reviewCartão Business Trade review
Questions

Frequently asked

Which is cheaper, Cartão de Crédito Classic or Cartão de Crédito Gold or Cartão Business Gold or Cartão Business Trade?

On annual fee, Cartão de Crédito Classic is the lower-cost option. Weigh the fee against the rewards and perks each card actually delivers for your spending.

Can I hold Cartão de Crédito Classic, Cartão de Crédito Gold, Cartão Business Gold and Cartão Business Trade at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in Portugal?

Every card in this comparison is issued for Portugal. Approval depends on each issuer's credit and income criteria.