The best cartes de crédit, ranked.
Our independent Top lists by category — scores, verdicts and comparison table.
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.
Top 8free credit cards in Belgium
Yes, credit cards with a EUR 0 annual fee exist in Belgium, and there is more than one. Europabank issues one without requiring a current account with them. Keytrade makes its card free from twelve transactions a year. CBC and BNP Paribas Fortis bundle it into an account or a package. These eight cards are ranked on what that free status actually costs: what else you must hold to get it, what happens the month you do not repay in full, and the price of a EUR 100 withdrawal at a cash machine. Rates recorded from the issuers on 24 August 2026.
Top 8prepaid cards in Belgium
Yes, genuine prepaid cards still exist in Belgium, but the offer has shrunk. bpost shut down bpaid on 28 February 2026, Belfius no longer sells its two prepaid Mastercards, and two bank cards remain: the CBC Mastercard Prepaid and the KBC Prepaid Card, at EUR 1 a month. Alongside them, Revolut, Wise and Nickel sell debit cards with no overdraft that play the same role in a wallet. I ranked these six cards on three things: the annual fee, the cost of a EUR 100 withdrawal at a cash machine, and what happens to your money on the day the issuer closes the card, goes bankrupt or debits a transaction you never made. None of them has an APR, because none of them extends credit. Rates recorded from the issuers on 5 October 2026.
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