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ComparaJa review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ComparaJa is a Portuguese credit card comparison site rather than a card issuer, and it suits readers who want to browse business card options in one place. Its card page shows a no annual fee model and a 1% to 3% cashback range, with an APR of 16.1% to 19%.

Key facts

Best for
Portuguese readers shopping for a business credit card with no annual fee.
Annual fee
€0 (Source, checked September 26, 2026)
APR
16.1% to 19% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
3% cashback (up to 120 EUR per year) or 1 point per 1 EUR spent (Source, checked September 26, 2026)
Perks
Waiver of the annual availability fee (comissao de disponibilizacao), Discounts up to 50% across the partner network, 100% digital subscription with no extra costs, Free personal adviser during the application process (Source, checked September 26, 2026)
Cashback rate
1% to 3% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
ComparaJa, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
comparaja.pt

Apps and profiles

Elsewhere
LinkedInXfacebook.cominstagram.com

Pros and cons

Pros

  • No annual fee on the card it lists, with the annual availability fee waived as a perk
  • Cashback of 1% to 3% alongside a points option, with a personal adviser free during the application
  • Support runs on phone, email and help centre
  • Registered with Banco de Portugal and the ASF, so the intermediary is supervised

Cons

  • APR of 16.1% to 19% is close to the 22.1% for business credit cards
  • Cashback is capped, so heavy spenders see less benefit past the cap
  • The card shown is aimed at businesses rather than personal spending
ComparaJa

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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • Portuguese businesses or sole traders looking for a credit card
  • Readers who want a broker to shortlist options rather than apply to one issuer
  • Anyone who values a waived annual availability fee over a low promotional rate

Who should look elsewhere

  • Anyone wanting a card from a named global issuer
  • Readers who need travel or foreign currency cost information
  • People building credit history, since the listed card is aimed at businesses

Deposit protection

ComparaJa is registered as a credit intermediary under Banco de Portugal, licence 0000375, and also appears under the ASF, Autoridade de Supervisao de Seguros e Fundos de Pensoes, licence 417449516. Those registrations cover the intermediary side of the business. The card described on the site is offered by a partner issuer, so the regulator to check for the card itself is the one that issues it.

The company behind it

ComparaJa, S.A. is the legal entity behind the site, based in Portugal. It works as an intermediary, matching applicants with credit cards from partner providers rather than issuing the card itself. Questions go to the team by phone, email or a help centre, which is phone, email and help centre. Dual registration with Banco de Portugal and the ASF underpins the intermediary role.

How ComparaJa compares

Where ComparaJa is available

Available
Portugal
Licence in Portugal
Banco de Portugal (0000375), checked September 26, 2026
Licence in Portugal
ASF - Autoridade de Supervisao de Seguros e Fundos de Pensoes (417449516), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does ComparaJa issue its own credit card?+

No. ComparaJa, S.A. acts as a credit intermediary, registered with Banco de Portugal under licence 0000375. The card described on the site comes from a partner provider, so the application is matched rather than issued by ComparaJa.

What does the card cost to hold?+

The listed card has an annual fee of €0, and the annual availability fee is waived as one of its perks. That makes holding costs low for a business card, though borrowing still costs the same as any revolving balance.

What APR does the card charge?+

The card carries an APR of 16.1% to 19%. Compare that with the 17.5% median across business credit cards and the 22.1% upper end, since the rate sits toward the dearer part of the market.

What rewards can I earn?+

Rewards come as cashback of 1% to 3%, and the reward type is cashback. Some offers also pay one point per euro spent, so the choice depends on whether you prefer cash in your account or points.

Who is this card aimed at?+

The audience is business, so the card suits companies, sole traders and freelancers rather than personal everyday spending. Business cards often carry different reward structures and expense rules than personal cards.

How can I get help with the application?+

Support runs on phone, email and help centre, so you can reach the team by phone, email or the help centre. A free personal adviser is also offered during the application process to help you complete it.

Which regulator supervises ComparaJa?+

Two registrations appear for the intermediary: Banco de Portugal under licence 0000375, and the ASF, Autoridade de Supervisao de Seguros e Fundos de Pensoes, under licence 417449516.

What other perks come with the card?+

Beyond the waived annual availability fee, perks include discounts across a partner network and a digital subscription at no extra cost. The cashback on top makes the ongoing cost of the card fairly light for a business product.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

ComparaJa

ComparaJa

Portuguese readers shopping for a business credit card with no annual fee.

9.1/10See alternatives