Updated September 29, 2026 · DebitCue Editorial Team

Top credit cards compared

1020 cards, ranked on the terms we checked.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top credit cards compared
OrderCardScoreFeaturesKey factsActions
201
meem Digital BankingPartner
9.0/10
  • Multi currency
Currency conversion fee:
2.25%
Legal entity:
Gulf International Bank
Headquarters:
Saudi Arabia
ReviewCompareSee alternatives
202
iMoney logo
iMoneyPartner

Stand to win RM100 cashback on Maybank credit card applications

9.0/10
  • No annual fee
Annual fee:
MYR 0
APR:
13.5% to 17.5%
Rewards type:
None
ReviewCompareSee alternatives
203
Mission Lane logo
Mission LanePartner
9.0/10
  • No annual fee
Annual fee:
$0
Rewards type:
Cashback
Rewards rate:
3% on gas, travel and dining, 1% on all other purchases (Gold Line Visa); 1.5% on every purchase (Silver Line Visa)
ReviewCompareSee alternatives
204
Mox Bank logo
Mox BankPartner
9.0/10
  • Multi currency
  • Virtual card
Currency conversion fee:
0%
Rewards type:
Cashback
Rewards rate:
1% Unlimited CashBack, 2% with Mox+
ReviewCompareSee alternatives
205
myPOS logo
myPOSPartner

myPOS Flex price reduced from GBP 59 to GBP 49 excl. VAT

9.0/10
  • No annual fee
  • Multi currency
  • Virtual card
Annual fee:
£0
Rewards type:
Cashback
Rewards rate:
0.1% cashback on all eligible transactions; 10% cashback in the myPOS Online Shop
ReviewCompareSee alternatives
206
NBK logo
NBKPartner

Travel at Ease With 25% Cashback: 25% cashback

9.0/10
    Annual fee:
    KWD 30
    APR:
    12%
    Currency conversion fee:
    3% to 5%
    ReviewCompareSee alternatives
    207
    KOHO logo
    KOHOPartner
    9.0/10
    • No annual fee
    • Crypto
    • Virtual card
    Annual fee:
    CA$0
    Currency conversion fee:
    0%
    Rewards type:
    Cashback
    ReviewCompareSee alternatives
    208
    Krungsri Signature logo
    Krungsri SignaturePartner

    Free SIGNATURE luggage by CAGGIONI 26 inch when spending THB 50,000 within 30 days of approval: THB 5,790 luggage

    9.0/10
      Annual fee:
      THB 4,280
      APR:
      16%
      Currency conversion fee:
      2.5%
      ReviewCompareSee alternatives
      209
      Nordea FI logo
      Nordea FIPartner

      Daily banking services free of charge for three months: 3 months of daily banking services free

      9.0/10
        Annual fee:
        €35.88
        APR:
        23.3%
        Currency conversion fee:
        2.5%
        ReviewCompareSee alternatives
        210
        SBM Bank logo
        SBM BankPartner

        SBM World Debit Card welcome benefits: more than INR 10,000 worth of benefits for select brands

        9.0/10
        • No annual fee
        • Multi currency
        • Virtual card
        Annual fee:
        ₹0
        APR:
        42%
        Currency conversion fee:
        0%
        ReviewCompareSee alternatives

        About Top credit cards compared

        This ranking covers 1,045 credit cards, and the shortlist below leads with the ones that keep costs at the floor while still building or protecting credit. Costs matter most here: €0 to €144 is the annual fee range across our credit card data and 0% to 204.6% is the APR range, so a card that charges nothing for holding or borrowing sits a long way ahead of one that does not. The other side of the trade-off is whether the account helps your credit file. Several cards on this list report to credit bureaus, take no credit check to apply, and let the cardholder set a spending limit. The catch is that the same secured cards that help thin files often pay rewards in a narrower way, and cards that add virtual or travel features usually carry a foreign exchange fee. The line-up mixes secured credit builders, plain credit cards and debit-led accounts, so compare the cost and credit-building facts before choosing.

        How we picked

        Every card here is scored on three things, weighted in the site's own calculation. Trust carries the most weight at 40%, because readers want to know the money is safe and the account is run by an established entity. Cost follows at 35%, covering the annual fee, any monthly fee and the foreign exchange fee. Offer carries the remaining 25%, which is the rewards and perks attached to the card. Those weights are applied to the full field data for each brand, not to a subset. Our data covers €0 to €144 for annual fees, 0% to 204.6% for APRs and 0% to 5% for foreign exchange fees, drawn from published pricing pages, product pages and official regulatory registers. Brands are ranked on those scores, and partners are listed first, so the opening positions are filled by brands that work with us. Every member on the list has a facts record here, and nothing is listed without one. Where two cards share a legal entity or a fee, the ranking separates them on credit-building features and support channels rather than leaving them tied.

        How we rank

        What to look for

        Annual fee and interest cost
        Holding a card that charges nothing is the baseline in this category, and every member listed here carries an annual fee of €0 to €144 or sits inside that range. The median annual fee across the site is €0, with the upper quartile at €4.89 and the highest at €167.70. For borrowing, the median APR on the site is 20.97% and the range runs 0% to 204.6%, so check both before you apply.
        Credit building and reporting
        Roughly 37.8% of the credit cards in this ranking are aimed at borrowers with poor credit, so reports to credit bureaus matter. Look for reporting to the major bureaus, no credit check to apply, and a spending limit you set yourself rather than one set by the lender.
        Foreign exchange and travel use
        Paying abroad costs you at some point on most cards. The median foreign exchange fee in this ranking is 1.85%, with the lower quartile at 0% and the upper quartile at 2.75%. Multi-currency and travel features are common, listed by 43.3% of cards here and 29.2%.
        Protection on the money
        Fraud protection and transaction alerts decide how much you lose if a card is misused. Look for liability protection that covers you for unauthorised spending, real-time fraud alerts, scam detection tools and real-time transaction history, and check whether overdraft cover is included as well.
        Rewards structure
        Rewards vary widely in this category: 37.2% of cards here pay cash back, 41.5% pay nothing at all, and the rest lean on points or miles. Offer-based cashback tied to select merchants is a different proposition from a flat rate on everyday spending.
        Support when you need it
        Phone support is the most common channel on the site at 71.8%, followed by help centres. Cards where support runs on a narrower set of channels tend to be the weaker choice if you travel or hold several accounts.

        Frequently asked questions

        Which credit card in this ranking has the lowest cost to hold?+

        Several cards on this list charge no annual fee at all, including the Varo Believe Secured Credit Card, Chime Card, Starling, AXI Card, bunq and Crezu ES. The Varo Believe card also lists an APR of 0% and a foreign exchange fee of 0%, so there is no interest cost attached to holding or using it. Compare that with the median APR across the site at 20.97%.

        Which secured credit card suits building credit with a poor score?+

        The Varo Believe Secured Credit Card is listed for borrowers with poor credit and reports to all three credit bureaus, with no credit check to apply and no minimum security deposit. Chime Card follows a similar route, reporting to the major bureaus and taking no credit check. Both let you start small, which matters most if your file is thin and you are trying to build a record over time.

        Do any of these credit cards charge a foreign exchange fee?+

        Most do to some degree, and the spread is wide. Wise lists 0.1%, while bunq charges a range of 0.5% to 3% on currency conversion. Starling, Varo, Chime and AXI Card list 0%, which is the cheapest end of the scale. The median foreign exchange fee in this ranking is 1.85%.

        Can I get a business credit card from this ranking?+

        Yes. Wise is the card here with a business audience alongside kids, so it is the option on this list aimed partly at company spending. Business accounts are the larger share of cards in this ranking at 72.4%, so most of the market serves companies rather than individuals. Check the audience details on each card before you apply, since the rest are built around personal use.

        What protection do these cards give if my card is stolen?+

        Protection varies and it is worth reading closely. Chime Card and Upgrade OneCard both list Visa liability protection against fraud, and Upgrade adds fraud monitoring with real-time alerts. Starling lists scam detection tools and real-time transaction history. Where a card does not name a protection scheme, the feature list is the place to check, because a missing scheme is not the same as a card being unsafe.

        Do any cards in this ranking charge rewards on everyday spending?+

        Some do, and the structure matters more than the headline. Upgrade OneCard pays cash back on categories like fuel, groceries, streaming and subscriptions, with a smaller rate on everything else, and its rewards do not expire. Starling and AXI Card list no rewards at all, which suits anyone who would rather not track spending for points.

        Ready to try meem Digital Banking?

        Ranked #1 of 10.

        The data behind this ranking

        MetricValueSample
        Median monthly fee0 EUR248
        Lower quartile monthly fee0 EUR248
        Upper quartile monthly fee0 EUR248
        Lowest monthly fee0 EUR248
        Highest monthly fee148.23 EUR248
        Median fx fee1.85 %211
        Lower quartile fx fee0 %211
        Upper quartile fx fee2.75 %211
        Lowest fx fee0 %211
        Highest fx fee6 %211
        Median atm free allowance0 EUR62
        Lower quartile atm free allowance0 EUR62
        Upper quartile atm free allowance3.91 EUR62
        Lowest atm free allowance0 EUR62
        Highest atm free allowance1,743.27 EUR62
        Card type: debit90.2 %523

        All data and the CSV

        Finom

        Finom

        #1 in Top credit cards compared

        8.8/10Visit