# Travel >> Destinations >> Europe

Best Credit Card Rates in Europe (2024 Comparison)

"Best rate" depends on your profile — but here are top competitive cards across Europe as of 2024, categorized by use case. All rates variable; check issuer site for current terms.

Best for 0% Intro Purchase Rate

Card	0% Period	Revert APR	Annual Fee	Rewards
N26 Standard (DE, FR, ES, IT, AT, NL, IE, FI, EE, GR, LV, LT, SK, SI)	3 months	19.99%	€0	0.1% cashback
Barclaycard Platinum (UK)	24 months	24.9%	£0	0.25% cashback
Santander All in One (UK)	26 months	23.7%	£3/mo	0.5% cashback + 0% balance transfer

Best Low Ongoing APR

Card	Purchase APR	Annual Fee	Best For
Curve Black (UK/EEA)	1.0%*	£99	Fronts other cards; 1% cashback (capped)
Revolut Standard (EEA/UK)	2.5%	€0	FX-free spending, virtual cards
bunq Easy Travel (NL/DE/ES/FR/IT/IE/AT/BE)	2.99%	€0	0% FX fees, metal card

*Curve's 1% is a "cashback" rate — not a true purchase APR. It fronts your other cards; you pay Curve, Curve pays them.

Best for Cashback / Rewards

Card	Cashback	APR	Fee	Notes
Amex Platinum (UK/DE/FR/IT/ES)	1% (2% first 3 mo)	28.2%	£650/€720	Lounge, travel credits, status — for heavy spenders
Chase Amazon (UK)	1.5% (Amazon), 0.5% else	24.9%	£0	No FX fee, metal
Monese Simple (EEA)	1%	19.34%	€0	Digital bank, easy open

Best for Travel / No FX Fees

Curve Black/Metal — 0% FX (capped), fronts your cards.
Revolut Ultra/Metal — 0% FX, airport lounge, insurance.
Barclaycard Rewards (UK) — 0% FX, 0.25% cashback, £0 fee.
Santander Zero (UK) — 0% FX, 0% cash advance fee, £0 fee.

How to Choose

Pay in full monthly? → Ignore APR; maximize rewards/perks (Amex, Chase, Curve).
Carry balance? → Prioritize 0% intro or low ongoing APR (Barclaycard, Santander, bunq).
Travel often? → Zero FX fee non-negotiable (Curve, Revolut, Barclaycard Rewards, Santander Zero).
Credit profile? Premium cards need good-excellent credit; "builder" cards (Aqua, Capital One, Zopa) accept fair credit at higher APR.

Critical Reminders

APR ≠ total cost: Fees, compounding, allocation of payments matter.
Regulation: EU Consumer Credit Directive caps APR calculation; UK FCA similar.
Brexit: UK cards may not work seamlessly in EEA (and vice versa) — check acceptance.
Compare on: MoneySuperMarket (UK), Check24 (DE), LesFurets (FR), Segugio (IT), Comprador (ES).

No single "best" — match the card to your spend pattern, repayment behavior, and travel needs.

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