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

Credit cards — comparison and ranking 2026

A credit card is a payment instrument with a credit limit granted by the bank. It lets you pay with borrowed funds and repay them interest-free during the interest-free period (54–58 days). The best cards offer cashback up to 2% and zero annual fee.

Compare credit cards from leading banks in Poland. Our comparison covers annual fee, interest-free period, cashback and additional benefits. Find a card tailored to your needs — from free cards to premium cards with insurance.

Credit card comparison — April 2026

A summary of the best credit cards from Polish banks.

RECOMMENDED

Citi Handlowy

Karta kredytowa Citi Simplicity z cashbackiem

Karta z cashbackiem — zwrot za zakupy, brak opłaty rocznej przez pierwszy rok.

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Citi Handlowy

Karta kredytowa Citi Simplicity

Karta kredytowa z bonusem powitalnym — nawet 1200 zł do Allegro.

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Citi Handlowy

Karta Kredytowa World Mastercard

Karta premium World Mastercard — ubezpieczenie podróżne, concierge, Priority Pass.

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Citi Handlowy

Karta Kredytowa Citibank-BP Motokarta

Karta dla kierowców — rabaty na paliwo BP, cashback za tankowanie.

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BNP Paribas

Karta kredytowa z nagrodami do 300 zł

Karta z bonusem powitalnym do 300 zł i programem nagród.

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Bank Pekao

Karta Kredytowa z Żubrem

Karta kredytowa Banku Pekao — szeroki program rabatowy, darmowa obsługa.

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Provident

Karta kredytowa Provi Sm@rt

Karta kredytowa z uproszczoną procedurą — łatwy dostęp do dodatkowych środków.

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Credit card categories

Credit card ranking

The best credit cards in the 2026 ranking

Free credit cards

Cards with zero annual fee

Cashback cards

Cards that return a percentage of your purchases

Cards without credit check

Credit cards without BIK verification

What to look for when choosing a card?

Annual fee — many banks offer cards for PLN 0 provided you make a minimum number of monthly transactions. Check the fee waiver conditions.

Interest-free period — the longer, the more time to repay without interest. The best cards offer up to 58 days.

Cashback — a refund of part of your spending (0.5–2%). With regular purchases of PLN 3,000 per month, 2% cashback gives PLN 720 per year.

Additional benefits — premium cards often include travel insurance, airport lounge access or a concierge service.

Często zadawane pytania

How does a credit card differ from a debit card?

A debit card uses funds from your bank account, while a credit card uses a limit granted by the bank. With a credit card you pay with borrowed money that must be repaid by a set date — ideally within the interest-free period.

How much does a credit card cost?

Many credit cards are free (PLN 0 per year) provided you make a minimum number of transactions. Premium cards cost between PLN 50 and PLN 300 per year but offer extra benefits such as insurance or higher cashback.

What is the interest-free period?

The interest-free period is the time (usually 54–58 days) during which you pay no interest on credit card purchases. If you repay the full balance before it ends, you use the bank's money for free.

Does a credit card affect creditworthiness?

Yes. The credit limit itself reduces your creditworthiness even if you do not use it. Banks treat an assigned limit as a potential liability. Timely repayments build a positive credit history in BIK.

How do I choose the best credit card?

Pay attention to: annual fee, length of the interest-free period, cashback rate, limits and additional benefits. If you repay on time, look for the card with the highest cashback and zero annual fee.