Ranking - 2026
The best credit cards in Belgium
Three rankings, 12 cards, one method: the real annual cost. Fees read off the issuers’ official pricing pages.
Fees checked on 13 July 2026
All families
Top 5, all cards combined.
- 01Revolut StandardRevolut - Visa - Non-euro 0% up to EUR 1,000/month, then 0.5%Free8.8/10
- 02Beobank Visa ExtraBeobank - Visa - Non-euro 1.5%EUR 20/year8.6/10
- 03N26 StandardN26 - Mastercard - Non-euro 0% on payments, no monthly capFree (EUR 10 physical card)8.5/10
- 04Wise (multi-currency card)Wise - Visa - Non-euro 0.35% to 0.55%Free (EUR 7 issuance)8.3/10
- 05Argenta MastercardArgenta - Mastercard - Non-euro 1.5%EUR 24/year (EUR 2/month)8.2/10
By family
Three rankings, three questions.
Traditional bank cards
Beobank Visa Extra (EUR 20/year) is both the cheapest AND the only one with 1% cashback (capped at EUR 100/year).
6 cardsSee the ranking →
Neobank cards
Revolut Standard, N26 Standard and Wise charge no annual fee: start there.
6 cardsSee the ranking →
Best cards for travel
A classic Belgian card costs 1.5% on every non-euro payment: EUR 15 for every EUR 1,000 spent.
6 cardsSee the ranking →