Which credit card is the best in 2026?

In our 2026 ranking, the top spot goes to the BNP Paribas Rewards Card with cashback up to 2% and a welcome bonus of up to PLN 300. Second place goes to the Pekao Bison Card, which becomes free after meeting a usage condition. Match your choice to your spending style and the interest-free period that fits you.

Is it worth having a credit card?

Yes, if you repay it on time. A credit card gives you a free credit period for purchases (interest-free period), cashback, transaction protection and builds your credit history in BIK.

How many credit cards can I have?

There is no legal limit. You can hold cards at several banks simultaneously. Bear in mind that each limit reduces your creditworthiness, which may make it harder to obtain a mortgage.

How often is the ranking updated?

We update the credit card ranking every month. We review current bank offers and changes in fees and conditions so the ranking always reflects the current state of the market.

Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Kreddo.pl Editorial Team

Credit card ranking 2026

Q: How is the Kreddo credit card ranking created?

The ranking considers annual fee, cashback rate, length of the interest-free period, credit limit and additional benefits. Each category carries a point weight and cards are sorted by total score.

The best credit card in our 2026 ranking is the BNP Paribas Rewards Card, offering cashback up to 2% and a welcome bonus of up to PLN 300. Second place goes to the Pekao Bison Card. The ranking takes into account fees, cashback, interest-free period and additional benefits.

Our credit card ranking is updated every month and covers all key parameters: annual fee, cashback, interest-free period, credit limit and additional benefits. Below you will find the 8 best credit cards available in Poland.

Credit card ranking — July 2026

Sort by:

Financial offer
RECOMMENDED
Interest rate15.5%
Interest-free52 days
Annual fee35 PLN
15.5%interest rate
52 daysinterest-free
35 PLNannual fee
ING Bank Śląski · ING Bank Śląski — see current terms and apply online.
Lowest annual feeLowest interest rateLimit up to 20 000 PLN
Check card
Financial offer
Interest rate18.5%
Interest-free54 days
Annual fee120 PLN
18.5%interest rate
54 daysinterest-free
120 PLNannual fee
Crédit Agricole · Crédit Agricole — see current terms and apply online.
Limit up to 20 000 PLN
Check card
Financial offer
Interest rate18.5%
Interest-free54 days
Annual fee96 PLN
18.5%interest rate
54 daysinterest-free
96 PLNannual fee
Crédit Agricole · Crédit Agricole — see current terms and apply online.
Limit up to 10 000 PLN
Check card
4
4
Financial offer
Interest rate18.28%
Interest-free51 days
Annual fee96 PLN
18.28%interest rate
51 daysinterest-free
96 PLNannual fee
Bank Millennium · Bank Millennium — see current terms and apply online.
Limit up to 100 000 PLN
Check card
5
5
Financial offer
Interest rate18.5%
Interest-free56 days
Annual fee150 PLN
18.5%interest rate
56 daysinterest-free
150 PLNannual fee
Bank BPS · Bank BPS — see current terms and apply online.
Longest interest-free periodLimit up to 50 000 PLN
Check card
6
6
Financial offer
Interest rate17.75%
Interest-free55 days
Annual fee60 PLN
17.75%interest rate
55 daysinterest-free
60 PLNannual fee
PKO Bank Polski · PKO Bank Polski — see current terms and apply online.
Limit up to 20 000 PLN
Check card
7
7
Financial offer
Interest rate15.5%
Interest-free52 days
Annual fee100 PLN
15.5%interest rate
52 daysinterest-free
100 PLNannual fee
ING Bank Śląski · ING Bank Śląski — see current terms and apply online.
Lowest interest rateLimit up to 50 000 PLN
Check card
8
8
Financial offer
Interest rate18.5%
Interest-free51 days
Annual fee60 PLN
18.5%interest rate
51 daysinterest-free
60 PLNannual fee
Bank Millennium · Bank Millennium — see current terms and apply online.
Limit up to 15 000 PLN
Check card
9
9
Financial offer
Interest rate18.5%
Interest-free51 days
Annual fee156 PLN
18.5%interest rate
51 daysinterest-free
156 PLNannual fee
Bank Millennium · Bank Millennium — see current terms and apply online.
Limit up to 50 000 PLN
Check card
10
10
Financial offer
Interest rate18.5%
Interest-free54 days
Annual fee180 PLN
18.5%interest rate
54 daysinterest-free
180 PLNannual fee
Santander Consumer Bank · Santander Consumer Bank — see current terms and apply online.
Limit up to 10 000 PLN
Check card
11
11
Financial offer
Interest rate18.5%
Interest-free51 days
Annual fee69 PLN
18.5%interest rate
51 daysinterest-free
69 PLNannual fee
Bank BPS · Bank BPS — see current terms and apply online.
Limit up to 20 000 PLN
Check card
12
12
Financial offer
Interest rate18.5%
Interest-free56 days
Annual fee200 PLN
18.5%interest rate
56 daysinterest-free
200 PLNannual fee
Crédit Agricole · Crédit Agricole — see current terms and apply online.
Longest interest-free periodLimit up to 50 000 PLN
Check card
13
13
Credit card with rewards up to PLN 300
RRSO22.04%
Nagrodaup to 450 PLN
22.04%rrso
up to 450 PLNnagroda
Bank BNP Paribas S.A. · Card with a welcome bonus up to PLN 300 and a rewards programme.
Check card
14
14
Credit Card with the Bison
RRSO15.11%
Nagrodaup to 1000 PLN
15.11%rrso
up to 1000 PLNnagroda
Bank Pekao · Bank Pekao credit card — broad discount programme, free servicing.
Check card
15
15
Provi Sm@rt credit card
RRSO55.28%
Nagrodaup to 1000 PLN
55.28%rrso
up to 1000 PLNnagroda
Provident · Provi Sm@rt card — revolving limit up to PLN 15,000, "Card in play" promotion: cashback up to PLN 1,000 for new customers. APR 55.28%.
Limit up to 15 000 PLN
Check card

Ranking methodology

The Kreddo.pl credit card ranking is based on objective criteria:

Annual fee (25%) — free cards receive the highest score
Cashback (25%) — higher return percentage = higher position
Interest-free period (20%) — a longer period means more time for free repayment
Credit limit (15%) — a higher limit provides greater flexibility
Additional benefits (15%) — insurance, loyalty programmes, concierge

The detailed methodology is described on the Methodology page.

Credit card ranking 2026

Credit card ranking — July 2026

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Financial offer

Credit card with rewards up to PLN 300

Credit Card with the Bison

Provi Sm@rt credit card

Ranking methodology

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