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Updated October 17, 2026 · SumCue Editorial Team

Top credit cards compared in Spain

132 providers available in Spain, ranked for Spain.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top credit cards compared in Spain
OrderProviderScoreFeaturesKey factsActions
1
AXI Card Tarjeta y Credito logo
AXI Card Tarjeta y CreditoTop pickPartner
9.0/10
  • Fixed rate
  • Credit line
Annual fee:
€0
APR:
21.59%
Currency conversion fee:
0%
ReviewCompareVisit
2
Qonto logo
QontoPartner

1-month free trial on all Qonto plans: 1 month free

8.6/10
  • No annual fee
  • Business
  • Travel
Annual fee:
€0
APR:
17.5%
Currency conversion fee:
2%
ReviewCompareVisit
3
Nexo logo
NexoPartner
8.9/10
  • No annual fee
  • Business
  • Travel
Annual fee:
€0
APR:
from 1.9%
Currency conversion fee:
0.2% to 2.5%
ReviewCompareVisit
4
Revolut UK logo
Revolut UKPartner
9.4/10
  • No annual fee
  • Travel
Annual fee:
€0
APR:
13.34% to 17.99%
Currency conversion fee:
0% to 2%
ReviewCompareVisit
5
BCP logo
BCPPartner
9.7/10
  • No monthly fee
APR:
8.9% to 87.5%
Credit needed:
Good
Legal entity:
Banco de Credito del Peru
ReviewCompareSee alternatives
6
Banco Pichincha logo
Banco PichinchaPartner
9.6/10
  • No monthly fee
  • Rewards
Rewards type:
Miles
Card kind:
Credit
Legal entity:
BANCO PICHINCHA C.A.
ReviewCompareSee alternatives
7
Banco Santander logo
Banco SantanderPartner
9.6/10
  • No monthly fee
APR:
4.84% to 12.11%
Card kind:
Credit
Legal entity:
Banco Santander, S.A.
ReviewCompareSee alternatives
8
Union Pay International logo
Union Pay InternationalPartner
9.6/10
  • Travel
Currency conversion fee:
0%
Rewards type:
Points
Perks:
Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
ReviewCompareSee alternatives
9
Nykredit logo
NykreditPartner
9.5/10
  • No monthly fee
Card kind:
Credit
Legal entity:
Nykredit Bank A/S
Headquarters:
Denmark
ReviewCompareSee alternatives
10
Openbank logo
OpenbankPartner
9.5/10
  • No annual fee
  • Travel
Annual fee:
€0
APR:
0%
Currency conversion fee:
0%
ReviewCompareSee alternatives

Licensed in Spain

Openbank
Comision Nacional del Mercado de Valores (CNMV)
BBVA Aqua Más
European Central Bank (ECB), as a Significant Institution under European Banking Supervision
BBVA Aqua Más
Comision Nacional del Mercado de Valores (CNMV)

Other rankings

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Other countries

AXI Card Tarjeta y Credito

AXI Card Tarjeta y Credito

Top pick for Spain

9.0/10Visit