Best Free Credit Card In Portugal [The Ultimate 2022 English Guide]

If you are about to move to Portugal for any reason, you must ensure that you have all the essentials you will need during the travel. Even if you are going there for a trip temporarily, you need to get your hands on your debit or credit card so you can make transactions easily. If you start planning, you can save a lot of money and be as comfortable as possible without making any mistakes. People mostly make many credit card mistakes, which is why they have to pay extra money in the form of a transaction fee. 

You do not need to pay an additional 3% per purchase when you are Abroad from your credit card because it is just a waste of money. You can avoid all this after getting your hands on the right credit card company, and you will not have to waste any more money on additional charges. You need to take all the necessary financial steps before you move to Portugal or go there for travel purposes. There are many best credit card options available nowadays, and people traveling outside of their country use them to maximize the benefits they will get to eliminate the extra charges. 

You need to choose a card with the least or no foreign transaction fee to save money in the long run. Saving money during your travel is a crucial step for you to make sure that you have a successful trip. The good news for you if you are moving to Portugal is that there are many towns and cities where you will find ATMs everywhere, and you can quickly rule out all of the major credit cards without them being a problem for you in the long run.

This article will discuss the best free credit cards in Portugal. It will be the ultimate 2022 English guide for you. To find out more information, keep on reading below.

Using A Credit Card In Portugal

It is always the best option to get your hands on a travel-friendly credit card when you are moving to Portugal or temporarily going there on a trip with your family. It gives you a lot of flexibility because you can make all your daily payments in Portugal, and you don’t have to depend on any other payment method. The best part is that you don’t have to pay additional currency conversion charges when traveling in another country like Portugal. 

There are many benefits of this credit card, and you can save money on travel insurance. If you can get your hands on the best credit card out there now can also get interest-free days on the purchases that you are making if you are paying all of your bills and the statement within the due date. You should not use your credit card to withdraw cash from an ATM. It is seen as a cash advance, which is why you should avoid it as much as possible then, you will be able to save 20% of the additional charges you have to pay when withdrawing cash from the ATM.

Best Free Credit Cards In Portugal

American Express Gold Card

This credit card for you is the best one out there if you love trying new food and traveling when going to Portugal. The best part of this card is the revolt it will bring for you; you can earn 4x points per dollar that you will spend at a restaurant. Another perk is that you will get 3x on the flights you will book with an airline; however, the terms and conditions apply. the rewards program is quite substantial because you can earn points for many different things if you use this credit card in Portugal. 

If you are using this credit card anywhere outside of the United States, then you don’t have to pay any additional charges at all while using this card. The annual fee you must pay for this card is €270. If you feel like this annual fee is too much, there is nothing you need to worry about because you can reduce this to only 15 euros. You need to take advantage of the spending credits, and then you are good to go. It is one of the best credit cards in Portugal with minimum charges.

Capital One Savor Cash Rewards Credit Card

This is the best card for having a fantastic dining experience because you can earn a one-time 350 Euro cash bonus once you have spent 3500 euros on your purchase within the first three months. There is no foreign transaction fee on this card, making it the best free credit card to use when you are moving to Portugal and want to use it for your transactions. It is the best card for travellers who love to eat and want to try as many restaurants as possible after moving to Portugal. 

You will also get up to 4% cash back on dining purchases; the rewards are also great and attractive. You can use this card at different cafes, fast food chains, and in Portugal and enjoy the benefits. And another advantage of this card is that you will get access to premium reservations with an open table and can use this card without any additional foreign transaction features in Portugal. 

You not only get exclusive access experience but also to the entertainment events. When you use this credit card to purchase groceries in Portugal, you can expect 3% cashback and one percent on all other purchases.

Capital One VentureOne Rewards Credits Card

When you are moving to Portugal temporarily but don’t have a place to stay there, you can book a hotel. This card will be beneficial for you if you are about to book a hotel room in Portugal because it will offer you incredible benefits. When you get this new credit card, you can earn Limited 1.2 X miles on all purchases and 5x miles on the hotel and the car you will book by using this credit card so you can move around in the country. This card is undoubtedly the best choice for moving around quickly and commuting to Portugal. 

The most impressive feature of this credit card is that it has no annual or foreign transaction fees. Such cards are quite where and that is why you should get your hands on them as early as possible so you can keep enjoying the benefits of such a great credit card which is going to bring you lots of benefits. This is the best car you can take when you vacation in Portugal because it comes with unlimited bonuses, including a strong welcome bonus. You can redeem miles for past travel expenses.

Chase Sapphire Reserve

Getting this credit card is the best choice for the foodies and travelers out there who are looking forward to having a luxury experience. You can get everything you want with this credit card, such as complimentary hotel room upgrades and airport Lounge access. It will give you every perk you need to have a luxurious experience and feel like a VIP whenever you travel to Portugal or any other country. Once you start spending and making purchases using this credit card, you will earn ten times the points per Euro you spend on a hotel or getting a car rental service. 

You will also get 10 x per Euro that you are spending on a dining purchase and ultimate rewards for it. The rewards program of this credit card is quite impressive, and there are many benefits that you will get when you use this card.

Discover it Secured Credit Card

It is recommended that you get your hands on this credit card if you don’t have a bad credit score when moving to Portugal. You need to get your hands on a credit card that provides you with a cashback program to save as much money as possible. You will get 2% cash back at all the gas stations and restaurants. It also includes the other purchases you will make by using this card, and you will automatically get cash back for it. 

The best feature of this card is that it does not have any annual fee and is free for you. It does not have any foreign transaction fee, and that is why you can enjoy the benefits of this card without having anybody in your mind that you will have to pay charges for it. Enjoy the benefits of this card, and you will also get a welcome bonus. There is a 3% intro balance transfer fee, but it is not a lot, and you can easily manage that when traveling in Portugal. 

The welcome bonus is impressive, and you can also benefit from the cashback program. If you are a new card member, the credit card will automatically match all the cashback ear and at the end of the year. For example, if you earn 60 euros cash back at the end of the year, this credit card will give you an additional 60 euros at the end of the first year, and you can benefit from that.

Should You Take A Travel, Debit, Or Credit Card To Portugal?

When going to Portugal, you must be careful about managing your money and getting your hands on different payment methods. The national currency of Portugal is the euro. You need to make sure that the credit card you are getting allows you to hold yours in your account so that you can easily use the currency without worrying about the exchange rate, which can cost a lot. 

Many European countries use the same currency, and it should be fine for you if you go to Portugal from any other European country, such as Spain or France. You can use a visa or a master card because these cars are versatile and work almost everywhere. You can use your credit or debit cards with that; you can make small and contactless payments everywhere. You can make this payment at the details Store or withdraw cash from the ATM. 

Most of the banks in Portugal will not charge you a local ATM fee, but it is recommended that you not use a credit card for drawing cash because it can be risky. You should get your hands on a credit card that will not charge you an additional fee for International ATM withdrawals. The benefit of a credit card is that a pin and chip protect it. It will give you access to all the funds in your account and is accepted everywhere in the world, including Portugal. 

Getting your hands on a card with no additional charges will benefit you and also provide you with reward points on the spending you will do by using the card. Emergency call replacement is also available when you choose a credit card for traveling to Portugal. However, ATM cash withdrawal can be expensive, and you should avoid that.

Conclusion

If you are traveling to Portugal, you need to minimize your travel risk as much as possible by getting your hands on multiple transaction options. You need to save money and have a combination of different payment methods, so it will be fine for you to purchase anything in case of an emergency in Portugal. Taking care of your finances is essential if you want to make successful anytime soon. 

Debit and Credit cards are common all over Portugal and are accepted everywhere, so you must get your hands on one before you move there. The chances that your card will not be accepted are pretty low, so keep some cash with you to avoid any trouble. Another thing you need to be aware of is the exchange rate because sometimes the euro might be expensive to buy in the future. It is recommended not to use a credit card for ATM withdrawal of cash but use it for online shopping or paying at a shop instead because it is safer that way. 

When you are going on an international trip to Portugal, you will find out that it is a beautiful travel destination worth all of your money. The climate is gorgeous, and you will enjoy the sun and the ancient wife of the city for as long as you want. To make the most of your trip, you must take proper financial measures beforehand. This way, you can avoid unnecessary charges when taking out your money or making purchases to buy essentials while you stay in Portugal.