Updated October 14, 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
OrderCardScoreKey factsActions
791
KCB Burundi logo
KCB BurundiPartner
Not rated
Card kind:
Credit
ReviewCompareSee alternatives
792
Nedbank Eswatini logo
Nedbank EswatiniPartner
Not rated
Card kind:
Credit
Support channels:
Help-centre
ReviewCompareSee alternatives
793
Nedbank Lesotho logo
Nedbank LesothoPartner
Not rated
Annual fee:
LSL 248.53
Rewards type:
None
Perks:
55 days interest-free credit, Global ATM cash withdrawals, Free SMS notifications, and 3 more
ReviewCompareSee alternatives
794
KFH logo
KFHPartner
Not rated
Legal entity:
Kuwait Finance House
Headquarters:
Kuwait
Founded:
1977
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795
Nedbank NamibiaPartner
Not rated
Annual fee:
NAD 312
Rewards type:
None
Balance transfer intro period:
3 to 36 months
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796
Khalti by IME logo
Khalti by IMEPartner
Not rated
Legal entity:
IME Khalti Ltd.
Headquarters:
Nepal
Founded:
2017
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797
Khan Bank logo
Khan BankPartner
Not rated
Legal entity:
Khan Bank LLC
Headquarters:
Mongolia
Founded:
1991
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798
Kina Bank logo
Kina BankPartner
Not rated
Annual fee:
PGK 100
APR:
22%
Card kind:
Credit
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799
Neo FinancialPartner
Not rated
ReviewCompareSee alternatives
800
Nepal Bank logo
Nepal BankPartner
Not rated
APR:
24%
Rewards type:
None
Card kind:
Credit
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.

KCB Burundi

Ready to try KCB Burundi?

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

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