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★ BEST CARDS FOR CASH BACK117 PORTUGAL CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — Cash-back & everyday value

The best credit cards for cash back in Portugal

For cash-back maximizers, the best cards are cards that hand back a straight percentage of every purchase — no points to value or transfer — with the highest flat and category rates and, ideally, no annual fee. We track 117 Portugal cards.

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The profile

Who this guide is for

  • You want simple money back, not points math
  • You'd rather a statement credit than airline miles
  • You spend steadily on groceries, gas, and everyday purchases
  • A no-annual-fee card you can keep forever is the goal
The shortlist

Top cards for cash back in Portugal

8 ranked
№ 1
Banco BPIVisa

BPI Now

Cash BackNo Annual Fee
  • Cash back on every purchase
  • €0/yr annual fee
  • Cash Back card
Annual fee€0per year
Top earn rateNot confirmed
Apply nowRead our review →
№ 5
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)Mastercard

Cetelem Black Plus

Cash BackNo Annual FeeRewards
  • Cash back on every purchase
  • €0/yr annual fee
  • Cash Back card
Annual fee€0per year
Top earn rateNot confirmed
Apply nowRead our review →
№ 7
BBVA Instituição Financeira de Crédito, S.A. (BBVA Consumer Finance)Card

Affinity Card

No Annual FeeStore & Retail
  • €0/yr annual fee
  • No Annual Fee card
Annual fee€0per year
Top earn rateNot confirmed
Apply nowRead our review →
Method

How we picked

We start from every card we hold in Portugal, keep those that suit cash-back maximizers, and rank them on estimated first-year value for a typical cash-back maximizers profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero.

More guides

Best cards for other people

TravelersFrequent FlyersPoints OptimizersBudget BackpackersBusiness TravelersCruise LoversRoad TrippersBusinessSole ProprietorsStartup FoundersE-commerce SellersCorporate / EnterpriseContractors & TradesReal-Estate InvestorsBuilding CreditNo Credit / First CardBad Credit / RebuildFair CreditThin FileYoung AdultsStudentsUndergraduatesGrad StudentsInternational StudentsStudent Cash BackStudent TravelFlat-Rate Cash BackGrocery MaximizerGas & CommutersDining & FoodiesOnline ShoppersStreaming & SubscriptionsRent PayersProfessionalsDoctorsNursesTeachersLawyersTech WorkersGovernment / Public SectorFirst RespondersAccountants & FinanceFamiliesNew ParentsLarge HouseholdsSingle ParentsCommuter FamiliesTeens (Authorized Users)ExecutivesLuxury TravelersAffluent High-IncomePrivate BankingMulti-Card StrategistsConcierge SeekersSeniorsFixed-Income RetireesSnowbirdsRetiree Cash BackNewcomersNew ImmigrantsWork-Visa HoldersReturning ExpatsFreelancersSelf-EmployedRideshare & DeliveryContent CreatorsSide HustlersLow Interest & DebtBalance TransferLow Ongoing APRDebt Consolidation0% Big Purchase
Questions

Frequently asked

What is the best credit card for cash-back maximizers in Portugal?

The best card for cash-back maximizers in Portugal depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits cash-back maximizers: cards that hand back a straight percentage of every purchase — no points to value or transfer — with the highest flat and category rates and, ideally, no annual fee.

How did you choose these cards for cash-back maximizers?

We start from every card we hold in Portugal, keep those that suit cash-back maximizers, and rank them on estimated first-year value for a typical cash-back maximizers profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank.

Why do some cards show no annual fee figure?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “€0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How are these cards ranked?

By that estimated value, computed by the same rules for every card, with one adjustment: a card that matches this guide's goal gains 15% of its estimated value (at least 25) in the ordering, so it can rank above a card with a higher estimated value. The figure printed on each pick is the estimate itself, without that adjustment. Our methodology page sets the rules out in full. Each card's review page marks which of its figures a published document states.