The best credit cards in Belgium
12 rankings, 81 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.
Cards for students
The Beobank Young Mastercard is the only credit card in the panel reserved for students: EUR 5 a year, a EUR 750 line, with no account to open at the issuer.
Virtual cards
Buy Way is the only issuer established in Belgium handing out a virtual Mastercard number you can use immediately; it is a credit facility, at an annual percentage rate of 14.50% on its representative example of EUR 1,500.
Best Visa cards
The Keytrade Bank Visa Gold is free as long as it is used twelve times a year and includes EUR 5,000 of cancellation cover; without that usage it costs EUR 50 the following year.
Premium credit cards
The Keytrade Bank Visa Platinum costs nothing as long as it is used twelve times a year; a quiet year costs EUR 150, and its cancellation cap stays at EUR 5,000, as on the Gold.
Mastercard cards
The Beobank Extra pays back its fee from EUR 2,000 spent, but its credit shows a 14.49% APR; the KBC card costs nothing and its Travel package publishes EUR 10,000 of cancellation cover.
Revolut cards
The Standard plan is enough while exchange stays under EUR 1,000 a month; beyond that, 1% fair use, and 1% at the weekend.