Best Credit Cards in Chile 2026

Looking for a credit card in Chile in 2026? These are all 12 credit cards in Chile that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.

How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.

This is not a complete list of every credit card sold in Chile. It is the set Buzdy has verified data for, from 4 issuers, as of August 2, 2026.

Quick Comparison: 12 Credit Cards in Chile

Side by side, in the order explained above. Tap any name for the full product page.

The 12 Credit Cards in Detail

1. BCI Visa Signature

Bank: BCI

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards

BCI Visa Signature provides 1% cashback on everything, VIP airport lounge access before flights, zero commission on international purchases, and premium insurance including price protection, purchase protection, lost luggage coverage, and extended warranty on purchases.

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2. BcoEstado Visa Platinum

Bank: BancoEstado

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards

BancoEstado Visa Platinum offers chip security with contactless payments, 6 to 12 interest-free installments at airlines, hotels and travel agencies, Visa Customer Service Center available 365 days worldwide, and emergency card replacement service if lost or stolen abroad.

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3. Scotiabank CL Visa Platinum

Bank: Scotiabank Chile

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards

Premium card with lounge access, Scotia Rewards, and comprehensive travel insurance.

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4. Bco Chile MC Classic

Bank: Banco de Chile

• Annual fee: Not published
• Interest rate: Not published
• Minimum income: Not published
• Verified benefits: Rewards points, Dining offers, Shopping offers, Entertainment

The Banco de Chile Mastercard Classic (Dorada) offers discounts at top brands, exclusive entertainment and dining deals, and Dollar-Prize rewards accumulation. It can be used at all delivery apps, supermarkets, pharmacies, and gas stations, with benefits covering restaurants, technology, and clothing stores.

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5. BCI Visa Gold

Bank: BCI

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards

BCI Visa Gold offers enhanced credit limits with cashback rewards on all purchases domestically and internationally. Features chip security, contactless payments, 0% installment plans at partner merchants, and access to BCI exclusive lifestyle benefits and travel services.

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6. BcoEstado MC Gold

Bank: BancoEstado

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards

BancoEstado Mastercard Gold features chip security and contactless tap payments, 0% commission on international purchases in dollars, free disability insurance covering card debt, and flexible installment plans from 2 to 36 months including 3 interest-free installments.

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7. Scotiabank CL Visa Gold

Bank: Scotiabank Chile

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards

Scotiabank Chile Visa Gold provides enhanced credit limits with contactless Visa payments, up to 18 interest-free installments at participating merchants, chip-based security, travel benefits, and access to Scotiabank exclusive promotions and lifestyle partner discounts.

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8. Bco Chile Visa Signature

Bank: Banco de Chile

• Annual fee: Not published
• Interest rate: Not published
• Minimum income: Not published
• Verified benefits: Airport lounge, Rewards points, Travel benefits, Supplementary cards

The Banco de Chile Visa Signature offers an extensive range of benefits both in Chile and abroad, including VIP lounge access at preferential rates, no foreign transaction fees, and free supplementary cards. Cardholders earn Dollar-Prizes (Dolares-Premio) on all purchases redeemable for travel and products through t...

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9. BCI MC Classic

Bank: BCI

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Digital wallet, Shopping offers, Supplementary cards

BCI Mastercard Classic features a cashback program returning a percentage on domestic and international purchases, commission-free cash advances within Chile, chip security with contactless payments, and access to BCI merchant discount programs throughout the year.

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10. BcoEstado Visa Classic

Bank: BancoEstado

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Digital wallet, Shopping offers, Supplementary cards

Accessible card from Chile state bank with low fees and basic purchase protection.

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11. Scotiabank CL MC Classic

Bank: Scotiabank Chile

• Annual fee: Not published
• Interest rate: 24.96% per month
• Minimum income: Not published
• Verified benefits: Digital wallet, Shopping offers, Supplementary cards

Scotiabank Chile Mastercard Classic offers contactless payment technology, installment options for everyday purchases, access to Scotiabank merchant discount network, chip security for safe transactions, and the ability to purchase in up to 18 interest-free installments.

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12. Bco Chile Visa Gold

Bank: Banco de Chile

• Annual fee: Not published
• Interest rate: Not published
• Minimum income: Not published
• Verified benefits: Rewards points, Travel benefits

The Banco de Chile Visa Gold (Visa Dorada) credit card features chip and contactless technology, Dollar-Prize rewards accumulation on all purchases, access to insurance and emergency services. Cardholders benefit from the Banco de Chile Travel program for redeeming rewards on flights and products.

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7 Smart Tips Before You Apply

What banks won't put in their marketing — but every smart applicant should know.

1. Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
2. Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
3. Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
4. Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
5. Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
6. Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
7. Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.

Common Mistakes to Avoid

The five most expensive errors people make with credit cards:

1. Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
2. Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
3. Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
4. Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
5. Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.

How to Choose the Right Credit card in Chile

• Annual fees — compare across banks, some offer zero fee for the first year
• Interest rates — lower rates save money if you carry a balance
• Rewards and benefits — match to your spending habits
• Eligibility — salary and documentation requirements vary by bank
• Digital access — mobile app, internet banking, contactless payments
• Customer support — 24/7 helpline, branch network, dispute resolution time
• Regulation — check the issuer's licence on the Comisión para el Mercado Financiero public register before you apply

Frequently Asked Questions: Credit cards in Chile

What is the best credit card in Chile for 2026?

The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 12 products in this guide above.

What credit score do I need for a credit card in Chile?

Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 12 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.

Can I apply online for a credit card in Chile?

Yes, most major banks in Chile now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.

What documents do I need?

Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.

Are these credit cards regulated and safe?

Retail banking in Chile is supervised by Comisión para el Mercado Financiero. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.

Can I get a credit card if I am self-employed in Chile?

Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.

What happens if I default on payments?

Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.

Related Guides for Chile

• All banks in Chile
• Bank branches across Chile
• Credit Cards In Chile 2026
• Personal Loans In Chile 2026
• Savings Accounts In Chile 2026
• Chile EMI calculator
• Chile savings calculator

How We Compare

Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.

Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.

Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.