Best Credit Cards in Europe
So What is the Best Credit Card?
Revolut Credit Card
| # | Card | Card Info | Eligibility | Highlights | Rating | Visit |
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| 1 |
Revolut Credit Card (UK) 🇬🇧
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92
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Pros
- Zero FX fees during weekdays
- Free virtual & physical cards
- Real-time transaction alerts
- Wide availability in Europe
Cons
- Weekend FX fees apply
- ATM limits based on plan
- Monthly fees for premium tiers
- No traditional credit-building tools
About Revolut Credit Card
The Revolut Credit Card is a top-tier offering from the UK-based fintech giant, known for blending seamless technology with flexible financial services. Available across most of Europe, the card offers no FX fees on weekdays, customizable spending limits, and real-time notifications. With both Visa and Mastercard versions, it’s ideal for travelers, digital nomads, and everyday users looking for fee-free international payments. Higher-tier plans offer extended ATM withdrawals, priority support, and travel perks. Revolut continues to disrupt the credit landscape in 2025 by integrating credit into a powerful multi-functional financial app.
Advanzia Bank (free Mastercard Gold)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 2 |
Advanzia Bank (Free Mastercard Gold) (Luxembourg 🇱🇺)
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84
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Pros
- No annual fee for life
- 0% FX fees worldwide
- Free travel insurance included
- Simple online application
Cons
- Interest accrues immediately on ATM withdrawals
- No banking app available
- Customer support limited to email
- No rewards or cashback system
About Advanzia Mastercard Gold
The Advanzia Mastercard Gold is one of the most accessible and cost-effective credit cards in Europe, especially popular among travelers and expats. Issued from Luxembourg and available to EU residents, it features zero annual fees, 0% foreign exchange fees, and free travel insurance-a rare trio in the credit card market. The application is fully online and doesn’t require income proof, making it attractive for students or freelancers. However, there’s no dedicated mobile app, and interest is charged from the day of ATM withdrawal, which may not suit those relying on cash access. Despite these drawbacks, the card’s generous benefits and lack of fees make it a compelling choice for savvy consumers seeking a no-frills European credit card.
bunq Credit Mastercard
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 3 |
bunq Credit Mastercard (Netherlands 🇳🇱)
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88
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Pros
- No credit check required
- Eco-friendly spending rewards
- Instant virtual card creation
- Works like a debit but accepted as credit
Cons
- Monthly fee applies
- No traditional credit line
- Some features locked to premium tiers
- Limited customer support hours
About bunq Credit Mastercard
The bunq Credit Mastercard is a modern take on credit cards, offered by the innovative Dutch neobank bunq. Unlike traditional credit cards, it doesn’t require a credit check and works more like a pre-funded credit line, making it accessible to a broader audience. It’s particularly eco-friendly: users on the Easy Green plan help plant a tree with every €100 spent. With real-time notifications, smart budgeting, and instant top-ups, the card is ideal for digital natives across Europe. Although it comes with a monthly fee and lacks a revolving credit option, its environmental impact and flexible setup make it one of Europe’s most progressive financial products in 2025.
Klarna Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 4 |
Klarna Card (Sweden 🇸🇪)
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87
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Pros
- Up to 45 days interest-free credit
- No fees or annual charges
- Accepted worldwide
- Integrated with Klarna shopping app
Cons
- Requires good credit score
- Limited ATM withdrawals
- Late payment fees can be high
- No cashback or rewards
About Klarna Card
Klarna Card is a popular Swedish credit card offering from Klarna, known for its smooth integration with the Klarna app and its flexible payment options. The card supports both Visa and Mastercard networks, making it widely accepted throughout Europe and beyond. Users benefit from up to 45 days of interest-free credit, no annual fees, and seamless contactless payments. Klarna Card is ideal for shoppers looking for convenience and flexibility, though it requires a good credit score to qualify. While it doesn’t offer rewards or cashback, its affordability and simplicity make it one of the fast-growing credit cards in Europe in 2025.
Zopa Credit Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 5 |
Zopa Credit Card (UK 🇬🇧)
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84
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Pros
- Flexible credit limits
- No annual fee
- Real-time card controls via app
- Good for credit building
Cons
- UK only
- High APR for some applicants
- Limited rewards or cashback
- ATM withdrawals incur interest
About Zopa Credit Card
The Zopa Credit Card is a modern and flexible Visa card offered by the UK-based digital bank Zopa. It features no annual fees, a wide range of credit limits, and a clean, user-friendly mobile app for managing your spending and repayments. Zopa also provides smart budgeting features and real-time card controls, making it an excellent option for people looking to improve or manage their credit. Though it lacks cashback or travel perks, it stands out for its transparency and simplicity. With high approval rates for eligible users and solid app integration, it’s one of the most promising credit cards in Europe in 2025.
Curve Credit
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 6 |
Curve Credit (UK 🇬🇧)
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84
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Pros
- All-in-one card solution
- Go Back in Time payment feature
- Works with both Visa & Mastercard
- Real-time notifications and control
Cons
- Some features require Premium plan
- Occasional merchant incompatibility
- Not a traditional credit card
- Customer support delays reported
About Curve Credit
Curve Credit is a UK-based fintech offering a flexible credit product that wraps multiple cards into one sleek, app-driven solution. Popular across the UK and expanding in the EU, Curve’s “Go Back in Time” feature lets users move past transactions to a different card, up to 30 days later. It supports Visa and Mastercard, and includes powerful budgeting tools, real-time notifications, and virtual cards. Although not a traditional credit builder, its convenience and flexibility make it ideal for digital-savvy users looking to streamline their wallets in 2025.
Monese Credit Builder Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 7 |
Monese Credit Builder Card (UK 🇬🇧)
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82
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Pros
- Helps build credit history
- Open to EU/UK residents with no credit file
- No hard credit checks
- Easy signup with mobile app
Cons
- Monthly fee applies
- No traditional credit line
- Only available via Monese app
- Lower ATM withdrawal limits
About Monese Credit Builder
Monese offers a prepaid Mastercard paired with a credit-building program that allows users to improve their credit score through monthly contributions, which are reported to credit agencies. It’s especially beneficial for migrants, freelancers, or younger individuals with little to no credit history in the UK or EU. The service requires no hard credit check and is managed entirely through the Monese mobile app. With flexible top-up methods and simple onboarding, Monese’s credit builder is a solid entry-point financial tool in 2025.
Plutus Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 8 |
Plutus Card (UK 🇬🇧)
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83
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Pros
- Crypto cashback rewards in PLU
- Free monthly tier available
- Visa network for wide acceptance
- Extra perks like Netflix/Spotify (with staking)
Cons
- Staking required for higher rewards
- Crypto rewards volatility
- Limited support in some EU countries
- Lower ATM withdrawal limits
About Plutus Card
Plutus is a UK-based fintech offering a Visa debit card that gives users crypto cashback in the form of PLU tokens. Designed for the crypto-savvy audience, the card enables users to earn rewards on everyday purchases and unlock perks like Netflix or Spotify with staking. It’s especially popular in countries like Germany and the Netherlands. With free and paid tiers, the card appeals to both casual and committed crypto users looking to earn passive income through their spending.
Wero (EPI Digital Wallet 🇪🇺)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 9 |
Wero (EPI Digital Wallet 🇪🇺)
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80
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Pros
- Backed by EU banks & ECB
- No card fees or intermediaries
- Real-time SEPA transfers
- Secure, EU-compliant infrastructure
Cons
- No credit card functionality
- Still under rollout in some regions
- Limited merchant coverage for now
- Requires full bank account access
About Wero (EPI Digital Wallet)
Wero is the flagship digital wallet launched by the European Payments Initiative (EPI), designed to rival Visa, Mastercard, and Big Tech wallets by enabling direct account-to-account payments. It offers instant, low-cost, and secure transfers across Europe without relying on credit card networks. Though it’s still in phased rollout, Wero is poised to transform EU digital payments with broad support from leading European banks and institutions.
Curve Flex / Pay Later
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 10 |
Curve Flex / Pay Later (UK 🇬🇧)
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84
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Pros
- “Go Back in Time” with Flex
- Simple pay-later options
- Integrates with all linked cards
- Available for older purchases
Cons
- Only for Curve users
- Interest rates apply
- Not available in all EU countries
- Credit score impact possible
About Curve Flex / Pay Later
Curve Flex is a unique feature offered by Curve that lets users split existing or past transactions into manageable installments. With flexible terms from 3 to 12 months and instant decisions, it combines short-term credit with the convenience of a digital wallet. Available to users in the UK and select EU markets, Curve Flex is a modern alternative to traditional credit cards and is gaining traction, especially among tech-savvy users in Spain, Italy, and Germany.
Find Your Perfect Credit Card Match
| User Type | What They Want | Why It Works | Top Card Picks |
|---|---|---|---|
| Value Shoppers | Cash-back on everyday buys, low fees | Maximize rewards on groceries, gas, and daily spending without high costs | Best Cards for Shopping & Groceries |
| Travelers | Points, miles, and travel perks | From road trips to air travel, earn rewards tailored to your wanderlust | Best Road Trip Cards & Airline Cards |
| First-Time Applicants | Easy approval, credit-building opportunities | Break the credit cycle with cards designed for newcomers and rebuilders | Best Starter Credit Cards |
| Students | Rewards with low credit requirements | Get a head start on building credit with student-friendly rewards cards | Best Student Credit Cards |
| Business Owners | Expense tracking, business-specific rewards | Separate business and personal spending while boosting your bottom line | Best New Business Credit Cards |
| Brand Loyalists | Exclusive perks with preferred stores or brands | Score extra rewards with co-branded cards from your favorite stores or airlines | Best Co-Branded & Issuer Cards |