Refpo Credit Cards

Best Credit Cards in Portugal

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

Universo, IME, S.A.

Cartão Universo+

Cartão Universo+ is a Portugal-focused Mastercard credit card designed for everyday shopping, especially at Continente and Meu Super. It offers 5% discount credited to Cartão Continente on eligible Continente and Meu Super purchases and 1% on other eligible Mastercard purchases when paid in Fim do Mês mode, with no annual card availability commission.

5% discount at Continente and Meu Super
1% discount on other eligible Mastercard purchases
Discount credited to Cartão Continente balance

Joining fees

No joining fee

Renewal fees

No annual card availability commission

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BNP Paribas Personal Finance, S.A., Sucursal em Portugal

Cetelem Black Plus

Cetelem Black Plus is a Portugal credit card for daily spending with 3% cashback in 6 everyday sectors: supermarkets, restaurants, fuel stations, electric vehicle charging, TVDE and streaming. It has no annual fee, no opening commission and no maintenance expenses, with flexible payment options and digital wallet support.

3% cashback in 6 everyday sectors
Cashback available for supermarkets, restaurants, fuel stations, EV charging, TVDE and streaming
Up to €10 cashback per month

Joining fees

No opening commission

Renewal fees

No annual fee

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WiZink Bank, S.A.U. - Sucursal em Portugal

WiZink Rewards

WiZink Rewards is a Portugal credit card focused on points-based rewards for everyday purchases. Cardholders earn points on eligible spending and can redeem them through the WiZink rewards catalogue, while also getting digital card management, mobile wallet support and insurance benefits linked to card usage.

Earn 1 point per €1 spent on eligible purchases
Redeem points through the WiZink rewards catalogue
No annual fee

Joining fees

No joining fee

Renewal fees

No annual fee

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Banco Comercial Português, S.A.

Millennium bcp TAP Business

Millennium bcp TAP Business is a Portugal business credit card for companies that want to manage corporate expenses while earning TAP Miles&Go miles. It offers 1.5 miles per €1 spent, up to 15,000 miles per month per card account, and includes business travel-oriented benefits such as insurance, airport services and interest-free credit days.

Business credit card linked to TAP Miles&Go
Earn 1.5 TAP Miles&Go miles per €1 spent
Up to 15,000 miles per month per card account

Joining fees

Not specified

Renewal fees

Not specified

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Caixa Geral de Depósitos, S.A.

Caixa Business Gold

Caixa Business Gold is a Portugal corporate credit card from Caixa Geral de Depósitos for companies that need to manage representation, travel and employee business expenses. It supports flexible individual card limits and includes an insurance package for business use.

Corporate credit card for Portuguese businesses
Designed for representation, travel and employee expenses
Flexible individual credit limits

Joining fees

Not specified

Renewal fees

Not specified

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UNIBANCO

Unibanco Credit Card

Unibanco Credit Card is a Portugal-focused credit card with no annual fee, cashback during the first 12 months, flexible repayment options, 20 to 50 days of interest-free credit, interest-free splitting of eligible purchases above €150 into 3 instalments, and support for major digital wallets.

No annual fee
Up to €200 cashback during the first 12 months
Monthly cashback credited to the card account

Joining fees

€0 joining fee

Renewal fees

€0 annual fee

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Compare

Compare Cards

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Field	Cartão Universo+	Cetelem Black Plus
Bank/provider	Universo, IME, S.A.	BNP Paribas Personal Finance, S.A., Sucursal em Portugal
Joining fee	No joining fee	No opening commission
Renewal fee	No annual card availability commission	No annual fee
Best for	Shopping at Continente and Meu Super Everyday Mastercard purchases in Portugal Users who want discounts credited to Cartão Continente	Cashback on everyday spending in Portugal Supermarkets, restaurants and fuel purchases EV charging, TVDE and streaming payments
Reward rate	5% discount on eligible purchases at Continente and Meu Super when paid in Fim do Mês mode 1% discount on eligible purchases at other Mastercard merchants when paid in Fim do Mês mode Discount is credited to Cartão Continente balance Monthly discount limit up to €10	3% cashback in supermarkets 3% cashback in restaurants 3% cashback at fuel stations 3% cashback at electric vehicle charging points
Cashback	5% at Continente and Meu Super 1% at other eligible Mastercard merchants Credited as Cartão Continente balance Up to €10 per month	3% cashback in 6 daily spending sectors Eligible sectors include supermarkets, restaurants, fuel stations, electric vehicle charging, TVDE and streaming Maximum cashback of €10 per month Maximum cashback of €120 per year
Lounge access	Not available	Not available
Fuel surcharge waiver	No commission on purchases at fuel stations	No fuel station fee 3% cashback at eligible fuel stations
Welcome benefit	Not specified	Not specified
Annual fee waiver condition	No annual card availability commission No waiver condition required	No annual fee No maintenance expenses No waiver condition required
Eligibility	Applicant must be eligible for consumer credit in Portugal Applicant must complete Universo identity and credit assessment requirements Applicant must provide valid personal and contact information	Applicant must be eligible for consumer credit in Portugal Applicant must complete Cetelem identity and credit assessment requirements Applicant must provide valid personal, contact and financial information
Apply link	Apply Now	Apply Now

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