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With an instantly approved credit card in Portugal, you have more freedom to make your payments.
The demand for credit cards has increased worldwide in recent years, and this product has become one of the main electronic payment methods for Portuguese people.
To give you an idea, Portugal is the fourth European country with the most bank cards per inhabitant.
Each citizen has an average of two cards; at the end of 2018, almost 23.26 million bank cards were active, according to data from Banco Portugal.
In addition to making life more practical for users, it also provides greater security when shopping.
By knowing how to use it correctly and always adopting good financial education practices, this item can become a great ally in your finances.
Continue reading and discover some of the best options Instantly approved credit cards in Portugal.
What is an online credit card?
Online credit cards generally come from digital accounts. They can be applied for entirely online, meaning you don't have to leave your home to visit a physical branch.
One of the main advantages of this type of card is that its approval is almost instantaneous - it happens in just a few minutes.
Traditional banks also offer credit cards online, without the customer needing to go to a physical branch to apply.
Certainly, there are many advantages to applying for a loan online. Besides saving you time, it also saves you money.
Other than that, it's safer, as long as you make the request through a trustworthy company.
It's also safer because you can order and receive from the comfort of your home, thus avoiding traffic, contact with the Covid-19 virus, and other risks.
With the credit card approved instantly in Portugal, you can use it as soon as you complete your registration, even if the physical card takes a few days to arrive.
This is because most of them provide a virtual card for online purchases.
Instant credit card approval in Portugal
A credit card can be a great ally when it comes to finances. Besides increasing our purchasing power, it can help us in times of emergency and help us achieve our dreams.
Currently, this product offers many advantages to its users and benefits that even increase the quality of life.
In the past, having and maintaining a credit card was expensive, but today, much has changed and it's now possible to find affordable options; free of fees and charges, which even give you extra money.
See below a list of the best credit cards approved instantly in Portugal.
1. Cofidis Portugal Credit Card
This card was voted the best credit card with cashback in 2019 by ComparaJá.pt.
However, that's not the only interesting advantage it offers: it has no annual fee, which makes it a more economical alternative.
Other than that, it is issued under the Mastercard banner, one of the best credit card brands in the world.
Mastercard is accepted in over 200 countries and territories and offers many benefits to its users.
This card also gives you access to the Mais Program for just €1. It allows you to receive up to 2% in cashback, capped at €200 per year.
With Cofidis, customers can count on Purchase Protection Insurance, flexible bill payment, and can also request a Cash Advance.
The interest rates applied to Cash Advance are average and in line with the average applied in the market.
| APR | TAN |
| 15,3% | 16,64% |
2. WiZink Rewards
This card is perfect for those who make a lot of purchases, as they accumulate points, which can then be exchanged for numerous offers and perks.
For every 1 euro spent, you earn 1 point. Customers with 5,000 points or more can exchange them for offers at stores, supermarkets, vacations, fashion, or getaways.
The WiZink Rewards credit limit can reach up to 6,000 euros, subject to credit approval.
It also offers exemption from the commission for providing a credit card and other benefits such as:
- Free Travel Insurance
- Contactless payment;
- Credit up to 45 days interest-free;
- Money transfers;
- ATM withdrawals;
- Anti-fraud service;
- Price Protection Insurance;
- Pay with MB Way;
- ATM.
To apply for the card, you must be 21 years of age or older, have permanent residence in Portugal and proof of income.
The instantly approved Portugal WiZink Rewards credit card can only be requested by people who do not already have a WiZink card.
The documents that must be presented in the application are:
- Valid identification document;
- Proof of IBAN;
- Taxpayer;
- Proof of income;
- Proof of address.
Joining is quick and easy, and the process is digital and secure. Visit the website and fill out the form.
You can also choose to continue joining by phone if that is more convenient.
3. Instantly approved credit card Portugal: Unibanco Clássico Visa
The Unibanco Clássico card has no annual fee. It allows customers to make online purchases, subscribe, make payments, order, and more!
It is issued under the Visa banner, the second largest and best credit card banner in the world.
Cards under this brand are very well-received in the market, not to mention that they are full of benefits and advantages.
The APR applied at Unibanco Clássico is 15.7%, a median market rate.
Unibanco is currently offering a promotion for new customers: when purchasing the card, customers receive up to 200 euros in cashback on purchases made during the first 12 months.
See below other benefits that the card offers:
- 20 to 50 days of interest-free credit;
- Ecological card;
- Unibanco Wallets;
- You don't need to be a customer or change banks to request the card;
- Contactless technology;
- Protection in case of loss, theft or misplacement of the card;
- Flexible Payment Management;
- Exclusive offers;
- Limit of up to 10,000 euros, subject to credit approval.
- Benefits of the Visa brand.
The card application is 100% online, in a maximum of 10 minutes you will know if the card has been approved and you can sign up.
To join, fill out the form available on the Unicre portal. The membership process consists of six main steps:
- Personal data;
- Identification data;
- Additional information;
- Professional data;
- Financial data;
- Configuration, subscription and documentation.
4. Santander World Card 1|2|3
The APR of the credit card is only 13.1%, while the TAN is 7.4%, one of the lowest rates among our suggestions. credit card approved instantly Portugal.
The consumption limit varies between 1,000 and 10,000 euros, and each customer has their own personalized credit limit.
Mundo 123 account customers can enjoy many advantages, and the benefits vary depending on category 1, 2, or 3. Among the credit card benefits, we can highlight, for example:
- Refunds on purchases and payments made with credit cards;
- SATA Miles;
- Reduced interest rates in the first 6 months of mortgage loans;
- Insurance;
- Fuel discounts at Repsol;
- Exemption from gas station tax;
- Advantages and offers in partner stores;
- Dual card;
- Advantages for transfers to the SEPA+ Area and the United Kingdom;
- Benefits of the flag;
- Cashback.
To apply for the card, you must first open a 123 Mundo account. It offers many benefits to its customers, and you can sign up through filling out the form.
5. Instant credit card approval in Portugal: NB Verde – Novo Banco
This card is simple and practical, ideal for everyday purchases. Approval is quick and easy.
With it, customers can make their purchases in Portugal and also in foreign stores.
The credit limit can reach up to 5 thousand euros, however, the APR is 11.7% and the TAN is 9.100%, for a credit limit of 1,500 euros with repayment over 12 months.
It has an affordable annual fee, just 13 euros, plus stamp duty. Other features include:
- 3D Secure;
- Virtual cards;
- Cash Advance;
- Installment;
- MB Way;
- Benefits of the Visa brand.
The Green Card account also offers many benefits to its customers. To apply, you must be a Novobanco customer.
If you are not a customer, open your account in a few minutes and request your card right away.
6. ActivoBank Simplifies
This card has no annual fee and its APR rate is 14.2%, while the TAN is 13.700%.
It's the perfect card for travel, as it can be used anywhere in the world. All card management is handled through the app, where you can:
- Check limit and invoice;
- Enable or disable contactless payment;
- Change invoice payment date;
- Debt installment;
- Request a change to your credit limit;
- Track split payments.
To join the card, open a bank account and request yours credit card with instant approval in Portugal ActivoBank.
Conclusion
Did you like our list?
The options mentioned offer easy and simplified registration. Both can be requested online, from the comfort of your home.
So, be sure to compare to find out which is the best alternative. credit card with instant approval Portugal.
