Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Chile in 2026? We compared 15 credit cards from top banks in Chile to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Comisión para el Mercado Financiero.
Quick Comparison: All 15 Credit cards in Chile
Side-by-side comparison of every credit card option in Chile as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Bco Chile MC Classic | Banco de Chile | — | Shopping Discounts, Dinning Benefits, Entertainment … | View → |
| 2. Bco Chile Visa Gold | Banco de Chile | — | Travel Benefits, Global Acceptance, Chip/Pin | View → |
| 3. Bco Chile Visa Signature | Banco de Chile | — | Travel Benefits, Chip/Pin | View → |
| 4. BcoEstado MC Gold | BancoEstado | 2.08% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 5. BcoEstado Visa Classic | BancoEstado | 2.08% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 6. BcoEstado Visa Platinum | BancoEstado | 2.08% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 7. BCI MC Classic | BCI | 2.08% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 8. BCI Visa Gold | BCI | 2.08% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 9. BCI Visa Signature | BCI | 2.08% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 10. Santander BestCard Basic | Santander | 14.84% p.a. | — | View → |
| 11. Santander BestCard Extra | Santander | 12.84% p.a. | — | View → |
| 12. Santander BestCard Premium | Santander | 11.84% p.a. | — | View → |
| 13. Santander BestCard Smart | Santander | 13.84% p.a. | — | View → |
| 14. Santander BR Free | Santander | 14.00% per month | Shopping Discounts, Purchase Protection, Chip/Pin, S… | View → |
| 15. Santander BR Platinum | Santander | 14.00% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
Top 15 Credit Cards in Chile (2026)
1. Bco Chile MC Classic
Bank: Banco de Chile
- Benefits: Shopping Discounts, Dinning Benefits, Entertainment Benefits, Global Acceptance, Chip/Pin
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, sup
2. Bco Chile Visa Gold
Bank: Banco de Chile
- Benefits: Travel Benefits, Global Acceptance, Chip/Pin
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. Cardhol
3. Bco Chile Visa Signature
Bank: Banco de Chile
- Benefits: Travel Benefits, Chip/Pin
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
4. BcoEstado MC Gold
Bank: BancoEstado
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
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 install
5. BcoEstado Visa Classic
Bank: BancoEstado
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Accessible card from Chile state bank with low fees and basic purchase protection.
6. BcoEstado Visa Platinum
Bank: BancoEstado
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
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 wo
7. BCI MC Classic
Bank: BCI
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, 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,
8. BCI Visa Gold
Bank: BCI
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
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 merch
9. BCI Visa Signature
Bank: BCI
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
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
10. Santander BestCard Basic
Bank: Santander
- Annual Fee: EUR 0
- Interest Rate: 14.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Basic is a permanently free Visa credit card with 4 free cash withdrawals per month, 1% fuel discount at gas stations, and travel booking discounts. No Santander account require
11. Santander BestCard Extra
Bank: Santander
- Annual Fee: EUR 49/year
- Interest Rate: 12.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Extra provides more extras for shopping and travel with 4 free cash withdrawals per month, 1% fuel discount, travel insurance coverage, and expanded purchase protection. Mid-tie
12. Santander BestCard Premium
Bank: Santander
- Annual Fee: EUR 99/year (EUR 75 with Santander account)
- Interest Rate: 11.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Premium offers unlimited free cash withdrawals worldwide, 1% fuel discount, 7% travel booking discount, comprehensive travel insurance, and fee-free foreign currency transaction
13. Santander BestCard Smart
Bank: Santander
- Annual Fee: EUR 29/year
- Interest Rate: 13.84% p.a.
- Interest Free Days: Up to 30 days
The Santander BestCard Smart is a Visa card designed for secure everyday shopping with 4 free cash withdrawals per month, 1% fuel discount, and enhanced online purchase protection. Affordable annual f
14. Santander BR Free
Bank: Santander
- Interest Rate: 14.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Chip/Pin, Supplementary Cards
No-annual-fee card earning Esfera points on purchases for cost-conscious customers wanting basic rewards.
15. Santander BR Platinum
Bank: Santander
- Interest Rate: 14.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
Mid-premium card with Esfera rewards, limited lounge visits, and entertainment pre-sale access.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- 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.
- 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.
- 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).
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- 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 — all products listed are from banks regulated by Comisión para el Mercado Financiero
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 all 15 options on this page.
What credit score do I need for a credit card in Chile?
Most banks in Chile require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Comisión para el Mercado Financiero. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Chile?
Fees vary by tier and bank: classic cards typically $ 0–1,500/year, gold $ 1,500–3,000, platinum $ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically $ 500–2,000), 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.
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