Credito Agricola review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Credito Agricola pairs a credit card charging €18 a year at 17.07% APR with a package account that bills €4.50 each month. It suits customers already banking with the cooperative who want travel and card fraud cover plus cashback, and suits nobody better who is watching monthly costs.
Key facts
- Best for
- One bank for a debit card with cashback, a credit card and card cover.
- Monthly fee
- €4.50 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Features
- Virtual card
- Official website
- creditoagricola.pt
Credit cards
- Annual fee
- €18 (Source, checked September 26, 2026)
- APR
- 17.07% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Perks
- Seguro de Assistencia em Viagem, Seguro de Uso Fraudulento de Cartao (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Features
- Virtual card
Pros and cons
Pros
- The credit card bundles travel assistance and cover for fraudulent card use, both listed under Seguro de Assistencia em Viagem and Seguro de Uso Fraudulento de Cartao.
- The cashback card adds a virtual card, virtual card, alongside cashback rewards.
- Card payments run on mastercard, the network behind the package account as well.
Cons
- The account costs €4.50 a month, where Wise charges £0.
- Borrowing on the credit card costs €18 a year and 17.07% APR on top of that account fee.
- The cards run on mastercard, so there is a single network to work with.
Who it suits
- Customers who want everyday spending and borrowing handled by the same bank
- Shoppers who want cashback on debit spending and a virtual card for online use
- Borrowers comfortable clearing balances at 17.07% APR
Who should look elsewhere
- Wise, where the account fee is £0, for anyone who does not want a credit card on the same account.
- Varo Believe Secured Credit Card, at $0 a month, for a single secured card rather than a card and account pairing.
- Chime Card, at $0 a month, for a secured Visa credit card without a package account.
How Credito Agricola compares
Frequently asked questions
What does the account cost each month?+
The package account that holds the cards charges €4.50 a month. The credit card on its own is billed €18 a year, so a customer who keeps both pays both charges. The cashback card and the virtual card sit on the account side of the relationship.
What rate do I pay if I borrow on the credit card?+
Purchases on the credit card carry 17.07% APR, and the card itself costs €18 a year. It is a credit card, credit, so balances are repaid rather than taken from a balance at the bank. Clearing the balance each month keeps the interest cost at nothing.
Is there cashback on everyday spending?+
The cashback card pays cashback rewards on everyday spending, and the same card adds a virtual card, virtual card, for online use. Rewards come back as cash rather than points or miles, which suits shoppers who want money returned rather than a scheme with redemption rules.
What card network do the cards run on?+
The cards run on mastercard, the network for the package account card in this range. Mastercard covers most everyday acceptance, so the network itself is rarely the reason to pick or skip a card here. The card type is what differs: one product is a debit card, debit.
What protection comes with the cards?+
The credit card carries insurance benefits listed under Seguro de Assistencia em Viagem and Seguro de Uso Fraudulento de Cartao: travel assistance cover and cover for fraudulent use of the card. They are the main reason a borrowing customer would pick this card over a plain fee-charging card.
Who does this card suit?+
It fits customers who keep their everyday account and their borrowing with the same bank, and who want travel assistance plus protection against fraudulent card use. The account fee of €4.50 a month is the trade-off for holding both in one relationship.
How does it compare with cheaper alternatives?+
Wise, Varo Believe Secured Credit Card and Chime Card all sit at £0, $0 and $0 a month, so Credito Agricola's €4.50 is the higher running cost. What that fee buys is a credit card, cashback and card cover together.
Is the card a debit card or a credit card?+
Both appear in the range. The cashback product is a debit card, debit, drawing on the account balance, while the other product is a credit card, credit, with an annual fee and an APR. Most customers take one product or the other rather than both.
Sources
- creditoagricola.pt/particulares/ca-cashback checked September 26, 2026
Backs: Card type, Features, Rewards type
- creditoagricola.pt/particulares/cartoes/cartao-classic checked September 26, 2026
Backs: Annual fee, APR, Card kind, Perks
“TAEG: 17,07% - Cartão Classic”
- creditoagricola.pt/particulares/contas/conta-pacote-orige... checked September 26, 2026
Backs: Monthly fee, Card network
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Credito Agricola
One bank for a debit card with cashback, a credit card and card cover.