Looking for the best Credit Cards in Spain? We have compared 15 Credit Cards from top banks in Spain 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 Spain (2026)
1. Sabadell Visa Classic
Bank: Banco Sabadell
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Entry-level card with purchase protection, contactless payments, and Sabadell rewards.
2. Sabadell Visa Gold
Bank: Banco Sabadell
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold card with travel insurance, airport VIP access, and enhanced rewards earning.
3. Sabadell Visa Platinum
Bank: Banco Sabadell
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with Priority Pass lounge access, comprehensive insurance, and exclusive lifestyle offers.
4. Santander 1|2|3 Card
Bank: Banco Santander Spain
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Cashback card earning 1-3% on bills, subscriptions, and everyday purchases with travel insurance.
5. Santander Select Card
Bank: Banco Santander Spain
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card for Select banking clients with lounge access, comprehensive insurance, and concierge.
6. Santander Visa Classic
Bank: Banco Santander Spain
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Standard Visa for everyday spending with purchase protection and Santander rewards.
7. Bankinter MC Gold
Bank: Bankinter
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold Mastercard with travel insurance, dining discounts, and enhanced rewards at partner merchants.
8. Bankinter One Card
Bank: Bankinter
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium all-in-one card with lounge access, comprehensive travel insurance, and lifestyle benefits.
9. Bankinter Visa Classic
Bank: Bankinter
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Standard card with competitive rates, purchase protection, and Bankinter cashback program.
10. BBVA Aqua
Bank: BBVA Spain
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
BBVA digital-first card with no annual fee, instant cashback on purchases, and full app control.
11. BBVA Aqua Mas
Bank: BBVA Spain
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Enhanced card with travel insurance, purchase protection, and higher cashback rates at partner merchants.
12. BBVA Aqua Premium
Bank: BBVA Spain
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, comprehensive travel insurance, and lifestyle concierge services.
13. CaixaBank Visa Classic
Bank: CaixaBank
- Annual Fee: See product page for details
- Interest Rate: Varies by installment plan
- Salary/Eligibility: Not Required
- Cashback: Cashback reimbursement on card purchases
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Global Acceptance, Chip/Pin, Supplementary Cards
The CaixaBank Visa Classic is a monthly-settlement credit card where all purchases are charged at the end of the month, with the option to split payments into convenient installments from 2 to 24 mont
14. CaixaBank Visa Gold
Bank: CaixaBank
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold card with travel insurance, airport lounge access at Spanish airports, and enhanced Star rewards earning.
15. CaixaBank Visa Platinum
Bank: CaixaBank
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with Priority Pass lounge access, comprehensive travel insurance, and concierge services.
How to Choose a Credit Card in Spain
- 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 Spain 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 Spain 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 Spain?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Spain →
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How We Compare Best Credit Cards in Spain 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 Spain. 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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