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Twisto review

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

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.

Our verdict

Twisto is a strong fit for people who want a rewards credit card with no annual fee. Its cashback rewards and flexible payment options make it useful for everyday spending, while a cost score of 6.2 keeps the proposition competitive.

Key facts

Best for
People seeking a low-cost credit card with cashback and flexible repayments.
Annual fee
CZK 0↗
Rewards type
Cashback↗
Perks
Monthly limit with maturity up to 45 days and no fee, Free third of purchase, Discounts, cashback and benefits, Deferral of due date by 1 month, Pay invoices and receipts by photo (Twisto Snap), One-off card for instalments, Split payments into 3-12 monthly instalments (Twisto Splatky), Twisto virtual card, Mobile payments with Apple Pay or Google Pay, Physical Twisto card available to order, Split spending with friends (Twisto Split), Best foreign exchange rate (Twisto Premium), Travel insurance for the whole family↗
Legal entity
Twisto payments a.s.↗
Support channels
Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
twisto.cz

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
Wikidata

Pros and cons

Pros

  • Annual fee of CZK 0.
  • Cashback rewards through cashback.
  • Twisto offers cashback, discounts and benefits under Monthly limit with maturity up to 45 days and no fee, Free third of purchase and Discounts, cashback and benefits.
  • Support is available by phone and through a help centre under phone and help centre.

Cons

  • Support runs on phone and help centre.
  • The listed account model is no annual fee, so card availability may depend on the account offered.
Twisto

Ready to try Twisto?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • People who want cashback rather than points or miles.
  • Shoppers who value flexible instalments and payment deferral options.
  • Customers who want phone or help-centre support.

Who should look elsewhere

  • People who need a card with points-based rewards; bunq lists an annual fee of €0, but its reward structure is not provided here.
  • People who need a secured credit card; Varo Believe Secured Credit Card lists an annual fee of $0.
  • People who need Wise-specific card terms; Wise lists an annual fee of £0.

How Twisto compares

Where Twisto is available

Available
Czechia, Poland, Romania
Licence in Czechia
Czech National Bank (Ceska narodni banka), checked September 26, 2026

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

Frequently asked questions

Does Twisto charge an annual fee?+

Twisto has an annual fee of CZK 0. Its account model is listed as no annual fee, so the no-annual-fee feature is a key part of the proposition.

What rewards does Twisto offer?+

Twisto offers cashback. The listed benefits also include discounts, cashback and other benefits under Monthly limit with maturity up to 45 days and no fee, Free third of purchase and Discounts, cashback and benefits.

Can Twisto help me spread purchases over time?+

Twisto lists payment deferral and instalment options under Monthly limit with maturity up to 45 days and no fee, Free third of purchase and Discounts, cashback and benefits. Its features include splitting payments into monthly instalments and deferring the due date.

What payment options are available with Twisto?+

Twisto supports mobile payments with Apple Pay or Google Pay, according to Monthly limit with maturity up to 45 days and no fee, Free third of purchase and Discounts, cashback and benefits. It also offers a virtual card, while a physical Twisto card can be ordered.

Does Twisto have a physical card?+

Twisto offers a virtual card and says a physical Twisto card is available to order, both under Monthly limit with maturity up to 45 days and no fee, Free third of purchase and Discounts, cashback and benefits. Mobile payments are also listed with Apple Pay or Google Pay.

What support does Twisto provide?+

Twisto provides phone support and a help centre under phone and help centre. These are the support channels listed for the service.

Sources

  • twisto.cz checked September 26, 2026

    Backs: Legal entity

    “(c) 2026 Twisto payments a.s.”

  • twisto.cz/karta checked September 26, 2026

    Backs: Support channels

    “kontaktujte nas na lince 222 703 333 ... Caste kladene dotazy (contact us on line 222 703 333; Frequently asked questions)”

  • twisto.cz/o-nas checked September 26, 2026

    Backs: Licences

  • twisto.cz/typy-uctu checked September 26, 2026

    Backs: Annual fee, Features, Pricing model, Perks, Rewards type

    “Online - Zdarma - Na nákupy online (default Twisto account tariff Online is free)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Twisto

Twisto

People seeking a low-cost credit card with cashback and flexible repayments.

9.3/10See alternatives