credit cards in Belgium

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.