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★ THE HONEST NUMBER ON EVERY CARD117 CARDS TRACKEDNO BIAS · NO SIGNUP
File Nº 01 — Portugal Cards

The honest number on every Portugal credit card.

Every card we hold for Portugal — fee, network, and welcome offer, with no marketing copy and no pay-to-rank. Where a figure has never been recorded, we leave it blank rather than guess it.

*figures come from issuers’ own terms and regulators’ published documents. Each card's review page marks which of its figures a document states — and marks the rest Not yet checked, or Not published where we checked, or Issuer restricts access.

117
Portugal cards tracked
15
categories filed
The ledger

All credit cards in Portugal

Showing 48 of 117
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Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
Novo Banco№ 50

Cartão Corporate Platinum

Credit card issued by Novo Banco.

BusinessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
ActivoBank№ 51

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№ 52

Cartão de Crédito ABANCA Gold

Visa card issued by Abanca Portugal.

TravelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Banco CTT№ 55

Cartão de Crédito Banco CTT

Mastercard issued by Banco CTT.

Cash BackNo Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
WiZink Bank, Sucursal em Portugal№ 56

Cartão de Crédito Benfica

Visa card issued by WiZink Bank, Sucursal em Portugal.

No Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Novo Banco№ 57

Cartão de Crédito Branco

Visa card issued by Novo Banco.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 58

Cartão de Crédito Caetano Go (Cetelem)

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

No Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
ActivoBank№ 59

Cartão de Crédito Classic

Visa card issued by ActivoBank.

Cash BackNo Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Banco Montepio№ 60

Cartão de Crédito Classic

Visa card issued by Banco Montepio.

Low InterestRewards
Annual fee€18per year
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 61

Cartão de Crédito Conforama (Cetelem)

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

No Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 63

Cartão de Crédito Darty (Cetelem)

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

Annual feeNot confirmed
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 64

Cartão de Crédito Decathlon (Cetelem)

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

No Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Banco Bilbao Vizcaya Argentaria, S.A. – Sucursal em Portugal (BBVA)№ 65

Cartão de Crédito Depois Classic BBVA

Credit card issued by Banco Bilbao Vizcaya Argentaria, S.A. – Sucursal em Portugal (BBVA).

Annual feeNot confirmed
Top earn rateNot confirmed
Banco Bilbao Vizcaya Argentaria, S.A. – Sucursal em Portugal (BBVA)№ 66

Cartão de Crédito Depois Gold BBVA

Credit card issued by Banco Bilbao Vizcaya Argentaria, S.A. – Sucursal em Portugal (BBVA).

Annual feeNot confirmed
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 67

Cartão de Crédito FNAC (Cetelem)

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

No Annual FeeStore & Retail
Annual fee€0per year
Top earn rateNot confirmed
Banco Santander Totta№ 68

Cartão de Crédito Gold

Visa card issued by Banco Santander Totta.

Lounge AccessPremium
Annual fee€6/monthNot yet checked with Banco Santander Totta€72/yr
Top earn rateNot confirmed
Banco Montepio№ 69

Cartão de Crédito Gold

Visa card issued by Banco Montepio.

Premium
Annual fee€60per year
Top earn rateNot confirmed
Novo Banco№ 70

Cartão de Crédito Gold

Visa card issued by Novo Banco.

TravelPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Millennium bcp (Banco Comercial Português)№ 72

Cartão de Crédito Gold Empresas

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

Business
Annual fee€52per year
Top earn rateNot confirmed
Oney Bank, Sucursal em Portugal№ 73

Cartão de Crédito IKEA Family

Visa card issued by Oney Bank, Sucursal em Portugal.

No Annual FeeStore & Retail
Annual fee€0per year
Top earn rateNot confirmed
WiZink Bank, Sucursal em Portugal№ 74

Cartão de Crédito Interpass

Credit card issued by WiZink Bank, Sucursal em Portugal.

No Annual FeeTravel
Annual fee€0per year
Top earn rateNot confirmed
Oney Bank, Sucursal em Portugal№ 75

Cartão de Crédito Leroy Merlin+

Visa card issued by Oney Bank, Sucursal em Portugal.

No Annual FeeStore & Retail
Annual fee€0per year
Top earn rateNot confirmed
WiZink Bank, Sucursal em Portugal№ 76

Cartão de Crédito Moeve gow

Visa card issued by WiZink Bank, Sucursal em Portugal.

No Annual Fee
Annual fee€0per year
Top earn rateNot confirmed
Banco Santander Totta№ 77

Cartão de Crédito Platinum

Visa card issued by Banco Santander Totta.

Lounge AccessPremium
Annual fee€150per year
Top earn rateNot confirmed
Banco Bilbao Vizcaya Argentaria, S.A. – Sucursal em Portugal (BBVA)№ 79

Cartão de Crédito Private BBVA

Credit card issued by Banco Bilbao Vizcaya Argentaria, S.A. – Sucursal em Portugal (BBVA).

Annual feeNot confirmed
Top earn rateNot confirmed
Banco Santander Totta№ 80

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
Banco Santander Totta№ 81

Cartão de Crédito Santander Business

Visa card issued by Banco Santander Totta.

Business
Annual fee€4,20/monthNot yet checked with Banco Santander Totta€50,40/yr
Top earn rateNot confirmed
Millennium bcp (Banco Comercial Português)№ 83

Cartão de Crédito Travel Mate Business

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

BusinessTravel
Annual fee€83,20per year
Top earn rateNot confirmed
Novo Banco№ 84

Cartão de Crédito Verde

Visa card issued by Novo Banco.

Rewards
Annual fee€13per year · can be waived
Top earn rateNot confirmed
UNIBANCO№ 85

Cartão El Corte Inglés

Credit card issued by UNIBANCO.

Store & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Bankinter Consumer Finance (bankintercard)№ 86

Cartão MAPFRE bankintercard

Visa card issued by Bankinter Consumer Finance (bankintercard).

Annual feeNot confirmed
Top earn rateNot confirmed
Oney Bank, Sucursal em Portugal№ 87

Cartão Norauto+

Visa card issued by Oney Bank, Sucursal em Portugal.

Annual feeNot confirmed
Top earn rateNot confirmed
Oney Bank, Sucursal em Portugal№ 88

Cartão Oney Auchan+

Visa card issued by Oney Bank, Sucursal em Portugal.

No Annual FeeStore & Retail
Annual fee€0per year
Top earn rateNot confirmed
Crédito Agrícola (Caixa Central de Crédito Agrícola Mútuo / rede CCAM)№ 89

Cartão Premier

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

Lounge AccessPremium
Annual fee€48per year
Top earn rateNot confirmed
BNP Paribas Personal Finance, Sucursal em Portugal (Cetelem)№ 90

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
Bankinter Consumer Finance (bankintercard)№ 91

Cartão Toys"R"Us bankintercard

Visa card issued by Bankinter Consumer Finance (bankintercard).

Annual feeNot confirmed
Top earn rateNot confirmed
Universo, IME, S.A.№ 92

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.№ 93

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)№ 94

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)№ 95

Classic

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

Rewards
Annual fee€10,40per year
Top earn rateNot confirmed
Novo Banco№ 96

Corporate Gold

Credit card issued by Novo Banco.

Business
Annual fee€40per year
Top earn rateNot confirmed
Questions

Frequently asked

How many credit cards does PointsExplained track in Portugal?

We currently track 117 credit cards in Portugal, covering every major bank and issuer. Each card records the issuer's published fee, network, category, and welcome offer where we hold one.

What is the best credit card in Portugal?

The best card depends on your spending. For travel, look for accelerated earn on travel and dining. For everyday value, a card with broad earn and no yearly cost is ideal. Use the category chips and filters above to narrow 117 cards to your wallet.

How do I compare credit cards on this page?

Filter by network (Visa, Mastercard, Amex) and annual fee, then open any card for the full review. To put two or three cards head to head, use the Compare tool, which lays them out side by side on a single ledger.

Why do some cards show a blank annual fee?

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 do I know which of a card's details have been checked?

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.