The best credit cards in Belgium
6 rankings, 41 cards, one method: the real annual cost. Fees read off the official pricing pages of the issuers.
Fees checked on 13 July 2026
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
One ranking, one question.
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).
Neobank cards
Revolut Standard, N26 Standard and Wise charge no annual fee: start there.
Best cards for travel
A classic Belgian card costs 1.5% on every non-euro payment: EUR 15 for every EUR 1,000 spent.
Free credit cards
Only one Belgian credit card is free with no usage condition and no mandatory current account: the Europabank Visa, at EUR 0/year.
Business credit cards
The KBC Mastercard Business Essential is the cheapest in the panel at EUR 15 a year, but it requires opening a KBC Business PRO account first.
Prepaid cards
The CBC Mastercard Prepaid is free with the CBC Pure Online account, and it is the only offer in the panel whose complete fee grid fits on the product page.