BBVA Renfe Mastercard Clásica
Points
BBVA Renfe Mastercard Clásica
BBVA - Mastercard - Credit card
4.7
4.7 out of 5
9.4/10
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Head-to-head
BBVA Renfe Mastercard Clásica vs Millennium BCP Gold Prestige Credit Card
Compare BBVA Renfe Mastercard Clásica and Millennium BCP Gold Prestige Credit Card side by side: fees, rewards, APR, and perks.
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Millennium BCP Gold Prestige Credit Card
Points
Millennium BCP Gold Prestige Credit Card
Millennium BCP - Visa - Credit card
3.9
3.9 out of 5
7.8/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | BBVA Renfe Mastercard Clásica | Millennium BCP Gold Prestige Credit Card |
|---|---|---|
| Card fee | No fee | €31.2 EUR/yr (≈ $34) |
| Purchase APR (from) | 0% | 18.8% |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 3% | 3.85% |
| Rewards | 0.10 Renfecitos per €1 at Renfe; 0.05 Renfecitos per €1 elsewhere; 100 bonus points at €7,500 annual spend (1 Renfecito ≈ €0.10 in train travel) | Millennium Rewards: earn 1 point per €1 spent. Points redeemable for products and experiences from the Millennium catalogue. Points valid for 5 years from earning date. Excludes gambling, gaming, cash advances, and digital wallet top-ups. |
| Installments | 3-6 months: commission-based; 7-36 months: 21% TIN / 23.11% TAE | Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %). |
| No card fee | - | |
| No foreign transaction fee | - | - |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | ||
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the BBVA Renfe Mastercard Clásica if its checked rows above line up with how you spend most.
- Choose the Millennium BCP Gold Prestige Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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