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Rewards

Best Rewards credit cards in Portugal

Rewards credit cards in Portugal earn points, miles or cash back on everyday spending.

*a card is filed here when we hold at least one positive published earn rate for it, or the source listing we imported it from files it as a rewards card.

33
Rewards cards filed
The ledger

All Rewards cards in Portugal

33 cards
Bankinter Consumer Finance (bankintercard)№ 1

bankintercard Gold

Visa card issued by Bankinter Consumer Finance (bankintercard).

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Banco Best№ 2

Best Gold Plus Visa

Visa card issued by Banco Best.

Cash BackAirline
Annual fee€40per year
Top earn rateNot confirmed
Banco Best№ 3

Best Gold Visa

Visa card issued by Banco Best.

Cash BackLow Interest
Annual fee€22per year
Top earn rateNot confirmed
Banco BPI№ 4

BPI Classic

Visa card issued by Banco BPI.

Rewards
Annual fee€20per year
Top earn rateNot confirmed
Banco BPI№ 5

BPI Enjoy

Visa card issued by Banco BPI.

Rewards
Annual fee€14per year
Top earn rateNot confirmed
Caixa Geral de Depósitos (CGD)№ 6

Caixa Classic

Visa card issued by Caixa Geral de Depósitos (CGD).

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Caixa Geral de Depósitos (CGD)№ 7

Caixa Gold

Credit card issued by Caixa Geral de Depósitos (CGD).

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Caixa Geral de Depósitos (CGD)№ 8

Caixa In

Visa card issued by Caixa Geral de Depósitos (CGD).

Rewards
Annual fee€12per year
Top earn rateNot confirmed
Bankinter Portugal№ 9

Cartão BK Classic

Visa card issued by Bankinter Portugal.

Rewards
Annual fee€15per year
Top earn rateNot confirmed
Bankinter Portugal№ 10

Cartão BK Gold

Visa card issued by Bankinter Portugal.

Rewards
Annual fee€30per year
Top earn rateNot confirmed
Crédito Agrícola (Caixa Central de Crédito Agrícola Mútuo / rede CCAM)№ 11

Cartão Classic

Visa card issued by Crédito Agrícola (Caixa Central de Crédito Agrícola Mútuo / rede CCAM).

Rewards
Annual fee€18per year
Top earn rateNot confirmed
Crédito Agrícola (Caixa Central de Crédito Agrícola Mútuo / rede CCAM)№ 12

Cartão Clube A Crédito Particular

Visa card issued by Crédito Agrícola (Caixa Central de Crédito Agrícola Mútuo / rede CCAM).

Rewards
Annual fee€12per year
Top earn rateNot confirmed
ActivoBank№ 13

Cartão de Crédito AB Gold

Visa card issued by ActivoBank.

Cash BackPremium
Annual fee€2,99/monthNot yet checked with ActivoBank€35,88/yr
Top earn rateNot confirmed
Abanca Portugal№ 14

Cartão de Crédito ABANCA Gold

Visa card issued by Abanca Portugal.

TravelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Banco CTT№ 17

Cartão de Crédito Banco CTT

Mastercard issued by Banco CTT.

Cash BackNo Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Novo Banco№ 18

Cartão de Crédito Branco

Visa card issued by Novo Banco.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
ActivoBank№ 19

Cartão de Crédito Classic

Visa card issued by ActivoBank.

Cash BackNo Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Banco Montepio№ 20

Cartão de Crédito Classic

Visa card issued by Banco Montepio.

Low InterestRewards
Annual fee€18per year
Top earn rateNot confirmed
Banco Santander Totta№ 21

Cartão de Crédito Santander

Visa card issued by Banco Santander Totta.

Rewards
Annual fee€3/monthNot yet checked with Banco Santander Totta€36/yr
Top earn rate1 pts per €2Two independent reads agree · not quoted verbatimOther
Novo Banco№ 22

Cartão de Crédito Verde

Visa card issued by Novo Banco.

Rewards
Annual fee€13per year · can be waived
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 23

Cartão RP/on

Credit card issued by BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem).

Gas & FuelGroceries
Annual fee€0per year
Top earn rateNot confirmed
Universo, IME, S.A.№ 24

Cartão Universo (legacy name)

Mastercard issued by Universo, IME, S.A..

Cash BackNo Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Universo, IME, S.A.№ 25

Cartão Universo+

Mastercard issued by Universo, IME, S.A..

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 26

Cetelem Black Plus

Mastercard issued by BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem).

Cash BackNo Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Millennium bcp (Banco Comercial Português)№ 27

Classic

Visa card issued by Millennium bcp (Banco Comercial Português).

Rewards
Annual fee€10,40per year
Top earn rateNot confirmed
Millennium bcp (Banco Comercial Português)№ 28

Gold Prestige

Visa card issued by Millennium bcp (Banco Comercial Português).

PremiumPoints
Annual fee€31,20per year
Top earn rateNot confirmed
Caixa Geral de Depósitos (CGD)№ 29

Miles & More Classic

Mastercard issued by Caixa Geral de Depósitos (CGD).

AirlineRewards
Annual fee€25per year
Top earn rateNot confirmed
Caixa Geral de Depósitos (CGD)№ 30

Miles & More Gold

Mastercard issued by Caixa Geral de Depósitos (CGD).

AirlinePremium
Annual fee€60per year
Top earn rateNot confirmed
Millennium bcp (Banco Comercial Português)№ 31

Platinum

Visa card issued by Millennium bcp (Banco Comercial Português).

TravelPremium
Annual fee€83,20per year
Top earn rateNot confirmed
Millennium bcp (Banco Comercial Português)№ 32

Platinum Private Banking

Visa card issued by Millennium bcp (Banco Comercial Português).

Lounge AccessPremium
Annual fee€78per year
Top earn rateNot confirmed
WiZink Bank, Sucursal em Portugal№ 33

WiZink Rewards

Visa card issued by WiZink Bank, Sucursal em Portugal.

PointsRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best rewards credit card in Portugal?

The best rewards card in Portugal depends on your spending and goals. We list every rewards card we hold — 33 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a rewards credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a rewards card with other cards?

Yes. Many people pair a rewards card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these rewards card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.