exist infinite banking products and services that can make your financial life easier. Credit cards, for example, are a tool that allow you to pay little by little for your purchases. Best of all, we will show you what they are here. The 3 best credit cards in Spain – Free.
Thanks to the attractive conditions that apply to defer expenses or purchases, some plastics have offers with incredible benefits.
If you open an account in an entity and domicile your income (like your payroll, pension or unemployment benefit) free of commissions and hidden fees, it becomes a good plan.
In return, the usual thing is that you do not have to pay anything for them, which also makes them best free credit cards. However, it is important that you read the fine print of each offer because, in some cases, you may be required to emission fee (the first year).
When applying for a credit card, make sure it is an entity with offers that meet your needs. In this way, it will become an essential instrument to be able to dispose of the money you have in your account.
Best credit cards in Spain – totally free
1.Bakinter
It is a Spanish bank based in Madrid. Bankinter's payroll account is one of the credit cards preferred by Spaniards, call Combined Card1, which has the advantage of making payments at the end of the month or paying little by little by contact, through the mobile or ATM.
There are no commissions for issuance or maintenance for payroll accounts, not payroll and pensions.
It also has programs privileges that allow you to pay and receive discounts in hundreds of retailers affiliated with the banking institution that involve areas of technology, fashion, household products and even food delivery services.
Just charge the 5% APR the first year and 2% APR in the second year. In addition, you have 5,00% of interest to use for 12 months.
2.OpenBank
Banco Online del Grupo Santander has several financial products for its users. The Open Credit is a credit card that you can request for free on their website OpenBank, free of commissions with the option to renew at no cost if you direct payroll or use the card at least once a month.
You may defer your purchases and payments to 1 month without interest (APR: 0 %)3 for your purchases and payments for an amount equal to or greater than €30. Or if you prefer, you can choose in how many months you want to pay it, from 2 to 36 months (annual TIN: 14.00 %; APR: 14.93 %)4.
Purchases can be made online or at any Establishment that accepts Visa.
Also, you can choose to pay your expenses in a single payment or deferring it in fixed or variable installments: 18% TIN annual, 19,56% APR2.
3. WiZink Click
Another of the virtual banks in Spain specialized in credit cards and solutions simple savings that offers a credit card free of commissions and totally free. You can pay for your purchases in 3 months without interest or commissions 0% TIN and TAE.
It has more than 2 million customers in Spain and Portugal. Free of fees for maintenance and card issuance with a scoring program that has as profit get money back of purchases that are made with the card in participating businesses.
All you have to do to get one of their plastics is fill in the online form on the official platform wizink and they will immediately contact you to confirm the contract.