Looking for the best Credit Cards in Chile? We have compared 15 Credit Cards from top banks in Chile to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
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.
How to Choose a 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
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in Chile for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Chile now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Chile?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Chile →
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How We Compare Best Credit Cards in Chile 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Chile. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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