Refpo Credit Cards

Best Credit Cards in Spain

Browse country-specific cards and compare fees, rewards, and benefits.

Open Bank, S.A.

Openbank Credit Card

Openbank Credit Card is a Spain credit card from Openbank, Santander Group’s digital bank. It is useful for everyday purchases, online shopping and promotional cashback campaigns, with app-based card controls and digital banking support through Openbank online channels.

Credit card from Santander Group’s digital bank
Useful for selected cashback campaigns
Up to 10% cashback during eligible promotional periods

Joining fees

Not specified

Renewal fees

Not specified

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BBVA

BBVA Negocios Crédito

BBVA Negocios Crédito is a business credit card for companies and self-employed professionals in Spain. It supports professional expense management, flexible repayment options, fuel savings at Repsol Group stations, and travel accident and assistance insurance.

Business credit card for companies and self-employed professionals in Spain
€0 issue and maintenance fee in the first year
€48 annual fee from the second year

Joining fees

€0 first year

Renewal fees

€48 from the second year

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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.

Credit line up to €5,000
3% cashback at supermarkets
Up to 20% cashback at selected partner brands

Joining fees

No joining fee

Renewal fees

No annual fee

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Servicios Financieros Carrefour, E.F.C., S.A.

Carrefour PASS

Carrefour PASS is a Spain credit and loyalty card for Carrefour shoppers and fuel users. It combines payment flexibility with Carrefour Club benefits, ChequeAhorro savings, fuel discounts at Carrefour service stations and selected partner fuel stations, and shopping finance options for everyday purchases.

8% savings at Carrefour service stations
4% savings at Moeve and Cepsa
Savings credited in Carrefour ChequeAhorro

Joining fees

No joining fee

Renewal fees

No annual fee

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Banco Santander

Santander Iberia Empresas

Santander Iberia Empresas is a business credit card option for companies and self-employed professionals in Spain. It helps manage professional expenses while earning Avios or On Business Points that can be redeemed for travel with Iberia Group, British Airways, and American Airlines.

Earn Avios or On Business Points on professional expenses
Redeem rewards for flights with Iberia Group, British Airways, and American Airlines
Available for companies and self-employed professionals

Joining fees

Not specified

Renewal fees

Not specified

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Compare

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Field	Openbank Credit Card	BBVA Negocios Crédito
Bank/provider	Open Bank, S.A.	BBVA
Joining fee	Not specified	€0 first year
Renewal fee	Not specified	€48 from the second year
Best for	Promotional cashback campaigns in Spain Everyday credit card purchases Online shopping and digital payments	Spanish businesses and autónomos managing professional expenses Companies that want flexible repayment for business purchases Businesses with fuel spending at Repsol, Campsa and Petronor stations
Reward rate	Up to 10% cashback during selected credit card promotional campaigns Promotional cashback up to €500 during eligible campaign periods Standard ongoing rewards rate not specified	2% fuel discount at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra Up to 5% fuel discount on selected Repsol fuels during eligible promotional periods No standard points rewards rate specified
Cashback	Up to 10% cashback during selected credit card promotional campaigns Cashback may apply to eligible credit card purchases during campaign periods Standard ongoing cashback not specified	Not available Value is mainly through fuel discounts rather than cashback
Lounge access	Not specified	Not specified
Fuel surcharge waiver	Not available	2% fuel discount at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra Up to 5% fuel discount on selected Repsol fuels during eligible promotional periods
Welcome benefit	Not specified	Not specified
Annual fee waiver condition	Not specified	Renewal fee waived when annual card purchases exceed €1,500 Fee savings may also depend on the linked BBVA account and customer relationship
Eligibility	Applicant must be resident in Spain Applicant must be eligible for consumer credit in Spain Applicant must complete Openbank identity and credit assessment requirements	Company or self-employed professional in Spain BBVA business customer Suitable business profile and credit approval by BBVA
Apply link	Apply Now	Apply Now

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