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 Vivid Standard
Compare BBVA Renfe Mastercard Clásica and Vivid Standard side by side: fees, rewards, APR, and perks.
Last verified
Vivid Standard
Cash back
Vivid Standard
Vivid Money - Visa - Debit card
4.8
4.8 out of 5
9.6/10
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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 | Vivid Standard |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 0% | - |
| Interest-free period | 30 days | - |
| Foreign transaction fee | 3% | 0% |
| 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) | Up to €20/month cashback on card purchases across up to 3 selected categories and Vivid Shopper brand offers. Base rate ~0.2%; selected brands can reach higher percentages. Cashback eligibility requires ≥€1,000 account balance or ≥€100 in holding assets at end of previous month. |
| Installments | 3-6 months: commission-based; 7-36 months: 21% TIN / 23.11% TAE | - |
| 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 Vivid Standard 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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