Plazo Credit S.L. / Pecunia Cards EDE, S.L.U.
Plazo Credit Line / Plazo Card
Plazo Credit Line / Plazo Card is a Spain-based app card and flexible credit product offering a credit line of up to €5,000, instant virtual card access and cashback on everyday spending. It is especially useful for users who want app-based credit, supermarket cashback and partner-brand rewards in one mobile-first product.
Highlights
Main benefits
- Credit line up to €5,000
- 3% cashback at supermarkets
- Up to 20% cashback at selected partner brands
- Cashback available at over 170 well-known brands
- Instant virtual card access through the Plazo app
- Physical card available with no fees
- Flexible payment and credit management from mobile
- App-based card controls and spending tracking
- Access to additional financial features inside the Plazo app
Fees
Fees and charges
Joining fee
No joining fee
Renewal fee
No annual fee
Annual fee waiver
No annual fee
No waiver condition required
Who can apply
Eligibility
- Applicant must be resident in Spain
- Applicant must be eligible for consumer credit in Spain
- Applicant must complete Plazo identity and credit assessment requirements
- Applicant must provide valid personal, contact and financial information
- Approval depends on Plazo credit assessment
Checklist
Documents required
- Valid identification document
- Spanish tax identification number or identity number
- Proof of address when requested
- Proof of income when requested
- Bank account or payment details when requested
Process
How to apply
1. Download the Plazo app from the official app store
2. Create a Plazo account with personal and contact details
3. Complete identity verification inside the app
4. Apply for the Plazo card or credit line
5. Enter the requested financial and employment information
6. Complete Plazo credit assessment and approval steps
7. Activate the virtual card in the app and request a physical card when available
Value
Reward and cashback structure
Reward rate
3% cashback at supermarkets
Up to 20% cashback at selected partner brands
Cashback available at over 170 well-known brands
Credit line up to €5,000
Cashback
3% cashback at supermarkets
Up to 20% cashback at selected partner brands
Cashback available through the Plazo app
Partner cashback depends on eligible brands and purchases
Good fit
Pros
- Strong cashback potential at partner brands
- Useful 3% supermarket cashback for everyday spending
- Mobile-first application and card management
- Credit line up to €5,000 can add spending flexibility
- No annual fee structure is attractive for regular users
- Virtual card access is convenient for online shopping
Watchouts
Cons
- Highest cashback depends on selected partner brands
- Not a traditional bank credit card
- No lounge access benefit
- No dedicated fuel surcharge waiver
- Credit approval is required
- Revolving or deferred credit can be costly when balances are carried
Related
Related cards
Comparar tarjetas
Comparar tarjetas
| Field | Plazo Credit Line / Plazo Card | Santander Iberia Empresas |
|---|---|---|
| Bank/provider | Plazo Credit S.L. / Pecunia Cards EDE, S.L.U. | Banco Santander |
| Cuota de alta | No joining fee | Not specified |
| Cuota de renovación | No annual fee | Not specified |
| Best for |
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| Tasa de recompensas |
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| Cashback |
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| Acceso a salas VIP | Not available | Not specified |
| Exención de recargo por combustible | Not available | Not available |
| Beneficio de bienvenida | Not specified | Not specified |
| Exención de cuota anual |
| Not specified |
| Elegibilidad |
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| Enlace de solicitud | Solicitar ahora | Solicitar ahora |