Start with where you live. Compare local cards, their recurring costs and the benefits that can fit spending you already planned.
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Country of residence
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Spain⌄
Compare local options
Spain
Your planned spending may bring something back: useful rewards, a future trip or a little more room in your everyday budget. The right choice depends on the local terms.
American Express Europe
Tarjeta Gold American Express
€192.00Standard annual fee · EUR
€16 per month, equivalent to €192 over 12 months. Other transaction charges may apply.
1 Membership Rewards point per €2 in eligible general purchases; 1 per €5 at Spanish supermarkets. Travel categories have different rates.
Who can apply
Age 18+, permanent Spanish residence, a SEPA current account, at least €30,000 gross annual income and no defaulter registration. Subject to approval.
Before you choose
Pay the full monthly balance. Merchant categories affect earnings, and points have no guaranteed cash or travel value; check acceptance and redemption terms.
2 Puntos Renfe per €20 spent at Renfe and 1 per €20 on other eligible purchases, credited to the main holder’s Más Renfe account.
Who can apply
Adult Más Renfe members with permanent Spanish residence, documented recurring income and no unpaid debts or defaulter registration. Subject to BBVA approval.
Before you choose
Choose full monthly repayment to avoid purchase interest. Revolving repayment costs can outweigh points; redemption follows Más Renfe rules and does not guarantee an upgrade or lounge access.
