Best credit cards for 2020 | Reads2free

Best credit cards for 2020 Reads2free

We analyze the best credit cards for 2020, indicating their characteristics, advantages, APR, and other aspects that involve the use of a credit card. In the following ranking, we will see cards with return on purchases, cards with discounts in shops, or tickets with free insurance, among others.

Best credit cards for 2019

Using a credit card for our purchases does not have to carry an interest payment. Credit cards are associated with interest and commissions for lending money as long as we delay the purchase or take money on credit from ATMs. With these types of tickets, in most cases, we can pay cash as a current debit card, pay at the end of the month without interest or, in some cases, pay in several months at no additional cost.

Also, we can enjoy other advantages that do not have debit cards, such as the bonus on purchases, discounts in shops, or free insurance. We tell you the characteristics of the best credit cards of 2019.

Wizink credit card

The Wizink Gold Card is a free credit card that you can hire without changing banks. You are interested in this card to travel outside the Euro Zone, as it does not charge commissions for currency exchange and includes accident insurance and free 24-hour travel assistance.

  • Annual Fee: Free.
  • Renewal fee: Free.
  • TIN: 24%,
  • APR: 26.82%.
  • Payment method: at the end of the month without interest or with a monthly fee. You can change the mode whenever you want.
  • Monthly credit limit: € 6,000
  • Links/requirements: it is not necessary to open a bank account in Wizink or hire any other product.
  • Advantages: Offers € 25 gift after the first purchase or withdrawal of cash, also has discounts of up to 30% in thousands of establishments. No commissions are payable in another currency — advantages of buying tickets for events at the Wizink Center.
  • Insurance: Purchase Protection, accident and 24h free travel assistance.

Advanzia Bank You Card

The Advance Bank You card is a 100% free credit card that does not charge commissions for taking out cash or making purchases abroad, it is an ideal card for traveling.

  • Annual fee: Free
  • Renewal fee: Free
  • TIN: 24%
  • APR: 26.82%
  • Modality of payment: at the end of the month with a credit of up to 7 weeks or deferred payment.
  • Links/requirements: It is not necessary to open an account with Advanzia Bank.
  • Advantages: No commissions for taking out cash or making purchases worldwide.
  • Travel assistance insurance and purchase protection insurance

Coins Card

The Coins Card is a free credit card. You are interested in this card if you are going to make purchases with deferred payment since it returns 2% of all purchases. This card can only be hired by current Coins customers who see that option on the Coins home page.

  • Annual Fee: Free.
  • Renewal fee: Free.
  • TIN: 22.8%,
  • APR: 25.34%.
  • Monthly credit limit: € 1,200
  • Links/requirements: for the card to be free, you must be a Coins customer, make a move a month or three a quarter in stores, and make a minimum annual cost of € 3,000 in stores. Another option is to have at least one receipt of essential supplies (water, gas, electricity, landline/mobile phone or Internet) domiciled.
  • Advantages: 2% refund of the number of deferred purchases. If you register in Coins, you will have a € 25 gift. If you make purchases on Amazon through the Coins Account, you will get an additional 4% discount.
  • Insurance: from accidents up to € 600,000 and travel assistance.

Classic EVO Fiance Visa

  • The EVO Finance Classic Visa is a free credit card whose main strength is the granting of credit. It has one of the lowest interest rates among credit cards, but higher than a personal loan.
  • Annual Fee: Free.
  • Renewal fee: Free.
  • TIN: 19.21%
  • APR: 21%.
  • Payment method: it is issued with a payment method on account, but it can be modified to deferred payment when you need it.
  • Monthly credit limit: € 5,000
  • Links/requirements: it is not necessary to open an account in Evo or change banks.
  • Advantages: It allows you to transfer cash to your account and choose how much you want to pay each month. You can withdraw money anywhere in the world (watch out for the commissions that this operation entails).
  • Insurance included: insurance for the protection of purchases, accidents and 24-hour travel assistance and emergency assistance, and travel medical advice.
  • Carrefour Pass Card
  • The Pass Carrefour card is a credit card that returns money for your purchases in the form of a Savings-Check. You can use it in any store, not only in Carrefour stores.

Carrefour Pass Card

The Pass Carrefour card is a credit card that returns money for your purchases in the form of a Savings-Check. You can use it in any store, not only in Carrefour stores.

  • Annual Fee: Free
  • Renewal fee: Free
  • TIN: 16%. You can finance 3-month purchases at Carrefour without interest for purchases between € 90 and € 2,000.
  • APR: 17.23%.
  • Monthly credit limit: up to € 2,000 to finance purchases in Carrefour.
  • Payment method: Cash at the end of the month or postponed.
  • Links/requirements: It is not necessary to open any associated account.
  • Advantages: 1% refund for all purchases. Other discounts: 8% refills at EESS Carrefour and 4% at Cepsa, 5% of energy consumption with EDP. 5% of the Alain Afflelou bill in the Savings-Check. Payment protection insurance included. You can transfer up to € 3,000 to your account in 1 click and less than 48 hours.

Gold card bankintercard

The Bankintercard Oro card is a free credit card that gives you money back from your purchases: 5.00% during the first year and 3% from the second year for your POSTED purchases.

  • Annual Fee: Free.
  • Renewal fee: Free.
  • TIN: 24.00%
  • APR: 26.82%
  • Payment method: The card is issued with deferred payment. You can change it to pay a fixed fee each month (minimum € 18).
  • Links/requirements: it is not necessary to open an account in Bankinter.
  • Advantages: Bonus 5% on all your deferred purchases the first year and 3% the second year.
  • Insurance for Purchase Protection, accident, and 24h free travel assistance.

ING Gold VISA Gold Credit Card

The ING Gold VISA Card is a credit card associated with ING Payroll and Non-Payroll accounts. It is a new card for your day-to-day purchases and to be financed in short periods.

  • Annual Fee: Free
  • Renewal fee: Free
  • Interest rate: 14.06% TIN (15% APR) if you defer purchases over € 90 in 3, 6, 12, or 18 months. Other deferred purchases: TIN 20.05 (APR 22%).
  • Payment method: at the end of the month without interest or with a monthly fee.
  • Bindings/requirements: Contract the ING Payroll Account or the NO Payroll Account.
  • Advantages: 3% refund at Galp and Shell gas stations. Orange Shopping Discounts.
  • Free travel accident insurance with coverage of up to € 150,000 and travel assistance insurance with coverage of up to € 4,500 that includes medical expenses, damage to luggage, travel delays, and civil liability.

Single Bankinter Credit Card

The Bankinter Single Card returns 2% of the amount of all your deferred purchases. Best credit cards for 2016

  • Annual Fee: Free if you have a Payroll, Non-Payroll, Professional Account, Pension Account, or if you use the card in the deferred payment method. Otherwise, the annual fee will be € 30 for the first holder and € 20 for the beneficiaries.
  • TIN: 22.80%.
  • APR: 25.34% depending on the type of purchase (large purchase, deferred payment, etc.)
  • Payment method: it is issued in the partial payment method, and you can pay a specific amount or a percentage each month.
  • Links/requirements: Contract the Bankinter payroll account.
  • Advantages: 2% refund of all deferred purchases made with the card. You can transfer cash to the card — withdrawal to debit without commissions at Bankinter ATMs and associates.
  • Free accident insurance.
  • Others: Bankinter Visa Gold card is also available.

BBVA After Card

  • Annual Fee: € 43 for the holder and € 20 for the other beneficiary cards. Free if you hire a BBVA account and meet its requirements.
  • Renewal fee : –
  • TIN: 17.52%
  • APR: 19.28%
  • Modality of payment: At the end of the month or deferred payment.
  • Bindings/requirements: Open an account at BBVA, domicile your payroll or periodic income, and use the card a minimum of 7 times in the last four months.
  • Advantages: Get free debit money from BBVA ATMs.
  • Insurance: insurance in case of bank robbery.

SIN Sabadell Card

  • Annual Fee: Free
  • Renewal fee: Free
  • Management fees: € 4 / month for each deferred purchase over € 50.
  • APR: from 7.43% to 47.60%
  • Method of payment: Purchases over € 50 up to € 3,000 will be paid automatically in 3 monthly installments without interest.
  • Monthly credit limit: € 3,000
  • Bindings/requirements: You have to open an account associated with the entity.
  • Advantages: Have cash at ATMs. Insurance included: accident, travel, shopping, and card protection.

World Card 1 | 2 | 3 Banco Santander

  • Annual Fee: Free.
  • Renewal fee: € 3 / month.
  • TIN: 18%
  • APR: 24.57%
  • Payment method: You can postpone one or more purchases.
  • Links/requirements: You have to open the Santander Account 1 | 2 | 3.
  • Advantages: Free accident insurance. The more you spend, the more shares you get from Santander.

Abanca You Card

  • Annual fee: free the 1st year. From the second, Your card will be free if you meet the requirements of the Zero Commission Program. It can also remain open for you if you make purchases with your card for an amount exceeding € 3000 per year. If you do not, the cost of the ticket is € 39 per year.
  • TIN: 12.85% (14.42% APR).
  • Payment method: end of the month without interest, at 3, 6, 9, 10, or 12 months, without investment, paying only a first commission of 1%, 2%, 3%, 3.5% or 4% respectively or a fixed fee of 12.85% TIN.
  • Linking: the previously mentioned requirements must be met.
  • Advantages: 4% refund at Galp Energía gas stations, € 600 limit per customer, and month. Other privileges Euro 6000.
  • Insurance for theft or accident of the product purchased with the You card within 90 days of purchase.

How to choose the best credit card for me?

As you can see, each credit card has its advantages but also its disadvantages. Having a better APR may have other associated commissions or require you more links. To find out which credit card best suits you and your needs, you can use the Rankin tool:


Or, if you prefer, you can use the Rankin card comparator, with which you can filter and order all credit, debit, and prepaid cards from the market to your liking. You can filter by type of card (credit, debit or prepaid), by advantages (free, ideal for travel, with free national ATMs, with discounts in shops or with promotion by new registration) and by card issuer (VISA, MasterCard or American Express) Finally, you can sort your results by highlights first, APR (lowest to highest), Monthly credit limit (lowest to highest) or Rankin Valuation (most upper to lowest).

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