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

Credit card ranking 2026

The best credit card in March 2026 is the mBank card with 1.5% cashback and zero annual fee. In second place is Citi Simplicity — free forever. 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 — April 2026

#1 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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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.

Często zadawane pytania

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.

Which credit card is the best in 2026?

The best credit card in 2026 is the mBank card — it offers 1.5% cashback with zero annual fee and a 56-day interest-free period. This is the most favourable combination on the market.

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.