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Millennium BCP GO! Credit Card review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Millennium BCP GO! Credit Card suits Portuguese customers who already hold an account and want travel perks and instalment plans. It charges an annual fee of €10.40 and a currency conversion fee of 3.85%, and its rewards type is none, so the appeal is the bundled account and the travel benefits.

Key facts

Best for
Portuguese account holders who can bundle the card and want travel benefits abroad.
Annual fee
€10.40↗
APR
15.4%↗
Currency conversion fee
3.85%↗
Rewards type
None↗
Perks
0 EUR annual fee when bundled with a Cliente Frequente or Mais Portugal account, M Travel subscription removes the international service fee on purchases abroad, Up to 25% discount on Avis car rental (code W601014), Split a purchase into 3, 6 or 9 instalments (TAN up to 11.000%), Instant digital card in the App Millennium, usable in MB WAY, Apple Pay, Google Pay and Samsung Wallet, Payment date selectable between the 11th and the 20th, 30-day billing cycle, Card body made with 100% recycled plastic↗
Card kind
Credit↗
Legal entity
Banco Comercial Portugues, S.A.↗
Headquarters
Portugal↗
Founded
1985↗
Support channels
Phone, Help-centre↗
Features
Travel
Audience
Business, Kids
Official website
millenniumbcp.pt

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • Bundle the card with a Cliente Frequente or Mais Portugal account and the €10.40 annual fee is waived.
  • An instant digital card in the app works in MB WAY, Apple Pay, Google Pay and Samsung Wallet, so spending can start straight away.
  • Support runs on phone and help centre, giving cardholders a phone line and a help centre.
  • Travel is the featured use (travel), and an M Travel subscription removes the international service fee on purchases abroad.

Cons

  • The rewards type is none, so nothing comes back on everyday spending (none).
  • A currency conversion fee of 3.85% sits above the credit card median of 2%, on a card sold for travel use.
  • Outside a bundled account the €10.40 annual fee applies, where the other three listed cards charge less.
Millennium BCP GO! Credit Card

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Portuguese customers who already hold a Cliente Frequente or Mais Portugal account and can have the annual fee waived.
  • Travellers who pay abroad often, since travel is the featured use (travel) and larger purchases can be split into instalments.
  • Business and family spending, which sits inside the listed audience (business and kids).

Who should look elsewhere

  • Reward seekers, because the rewards type is none (none) and the value here sits in the account bundle instead.
  • Fee-first customers: bunq lists €0 and Wise £0, both under the €10.40 charged here.
  • People starting a credit history, where the Varo Believe Secured Credit Card publishes $0 as a secured card rather than a travel card.

Who runs it

The card is issued by Banco Comercial Portugues, S.A., a bank based in Portugal that has run since 1985. It is licensed by Banco de Portugal under 33. Support runs on phone and help centre, giving cardholders both a phone line and a help centre.

How Millennium BCP GO! Credit Card compares

Where Millennium BCP GO! Credit Card is available

Available
Portugal
Licence in Portugal
Banco de Portugal (33), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the Millennium BCP GO! Credit Card cost to hold?+

The published annual fee is €10.40, and that is the only standing charge stated for the card. Bundle it with a Cliente Frequente or Mais Portugal account and the bank waives that fee. bunq, Wise and the Varo Believe Secured Credit Card each publish an annual fee of €0, £0 and $0.

Does the card earn anything for spending?+

The rewards type is none (none), so nothing comes back on everyday purchases. The card leans on bank-side perks instead: an M Travel subscription removes the international service fee on purchases abroad, and Avis car rental comes with a discount.

What does spending in another currency cost?+

Purchases abroad carry a currency conversion fee of 3.85%, above the credit card median of 2%. An M Travel subscription removes the international service fee on purchases abroad, and travel is the featured use, so heavier foreign use makes that charge count more.

What rate applies if a balance is carried?+

The card's APR is 15.4%, in line with the credit card median of 16%. Instalment plans can spread a large purchase over several months. Neither is cheap, so this suits balances that get cleared each cycle rather than revolving debt.

Who regulates the card and where does the money sit?+

The card comes from Banco Comercial Portugues, S.A., a bank based in Portugal that has run since 1985, licensed by Banco de Portugal under 33. The money therefore sits with a supervised bank. Questions about a charge or a balance start with support, which runs on phone and help centre.

Who is the card aimed at?+

The bank lists the audience as business and kids holders (business and kids), and travel is the featured use (travel). As a credit card (credit) it carries a balance and splits purchases into instalments, so it fits a customer already inside the bank's account relationship.

Can I use the card before the plastic arrives?+

An instant digital card in the App Millennium can be used in MB WAY, Apple Pay, Google Pay and Samsung Wallet, so the card works before the physical one arrives. The payment date is selectable and the billing cycle is monthly, which makes the due amount easier to plan around. Support runs on phone and help centre.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Millennium BCP GO! Credit Card

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Portuguese account holders who can bundle the card and want travel benefits abroad.

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