Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Spain? We've analyzed 5 Credit Cards from top banks operating in Spain to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Spain (2026)
1. CaixaBank Visa Classic
Bank: CaixaBank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: Varies by installment plan
- Key Benefits: Contactless Payments, Digital Wallet, Chip/Pin, Purchase Protection, Shopping Discounts, Cash Back
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...
2. CaixaBank Visa Gold
Bank: CaixaBank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.58% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
Gold card with travel insurance, airport lounge access at Spanish airports, and enhanced Star rewards earning.
3. CaixaBank Visa Platinum
Bank: CaixaBank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.58% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Travel Benefits
Premium card with Priority Pass lounge access, comprehensive travel insurance, and concierge services.
4. BBVA Aqua
Bank: BBVA Spain
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.58% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Cash Back
BBVA digital-first card with no annual fee, instant cashback on purchases, and full app control.
5. BBVA Aqua Mas
Bank: BBVA Spain
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.58% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Purchase Protection, Cash Back
Enhanced card with travel insurance, purchase protection, and higher cashback rates at partner merchants.
How to Choose the Right Card
When comparing Credit Cards in Spain, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Spain
Want to see all available options? Compare all Credit Cards in Spain →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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