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The market, live
Comparer les cartes de crédit belges sur la cotisation annuelle plutôt que sur la brochure
Cotisation annuelle, TAEG appliqué au solde reporté, coût d’un retrait de 100 € au distributeur : les trois chiffres d’abord. Les assurances et les points viennent après.
The cheapest card on the Belgian market carries a EUR 0 annual fee; the most expensive one in this ranking costs EUR 72. Over twelve months, that fee gap alone is worth EUR 72. It is not, however, the number that costs the most. I ranked these eight cards on three figures that brochures never place side by side: the annual fee, the APR applied the moment a balance is carried into the following month, and the price of a EUR 100 withdrawal at a cash machine. For a holder who carries EUR 500 for six months, the APR weighs more than four years of annual fees. Travel insurance, cashback and points do exist, they are listed, but they come afterwards. The rates below were recorded on 17 August 2026 from issuers' published rate pages and from the reference Belgian comparison sites. A Belgian card tariff usually moves once a year, at renewal, and that is where the unpleasant surprises happen.
Last analysis · 2026-08-17
ItemBestReferenceScoreTrend
CBC - free credit carda CBC customer who wants a card with no fixed cost line
EUR 0/year
EUR 0 annual feeAnnual fee: EUR 0. No APR applies, the card runs on deferred debit. This is the lowest cost of ownership on the Belgian market, on one condition that is not trivial: a CBC account is required. For anyone who already holds one, there is no argument against it.
BNP Paribas Fortis - Visa Classica holder who sometimes carries a balance and wants to cap the interest
EUR 0/year
Lowest APR in the rankingAnnual fee: EUR 0 inside a current account or one of the bank's packages. APR: 9.50 %, seven points below the most expensive card in this ranking. Advertised limit: EUR 2,500. This is the card to favour if you know the balance will not always be repaid in full.
Beobank - Young Mastercarda student over 18 with no credit history
EUR 5/year
No Beobank account neededAnnual fee: EUR 5. APR: 16.99 %, the highest in this ranking. Limit: EUR 750. The fee is negligible and the card is obtained without an account at the issuer, which is rare in Belgium. But a EUR 750 limit does not cover a rental car deposit, and the APR punishes the slightest carried balance.
bpost - bpaid prepaid Mastercardsomeone with no access to credit, or who wants to ring-fence a budget
EUR 18/year
No credit fileAnnual fee: EUR 18. No APR: the card is prepaid, it cannot carry a balance. Top-up limit: EUR 2,500. It is obtained without a credit assessment or a bank account, which makes it the widest entry point on the Belgian market, at the price of EUR 18 a year and the absence of a credit line.
Beobank - Extra World Mastercarda regular spender who repays in full every month
EUR 20/year
1 % cashbackAnnual fee: EUR 20. APR: 14.49 %. The 1 % cashback covers the annual fee from EUR 2,000 of yearly spending, which is reachable. But the arithmetic only holds if the balance is repaid in full: three months of carrying EUR 800 wipes out an entire year of cashback.
