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Credit card ranking 2026

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 — May 2026

BNP Paribas
#1 RECOMMENDED

BNP Paribas

Karta kredytowa z nagrodami do 300 zł

Karta z bonusem powitalnym do 300 zł i programem nagród.

Check card
Bank Pekao
#2

Bank Pekao

Karta Kredytowa z Żubrem

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

Check card
Provident
#3

Provident

Karta kredytowa Provi Sm@rt

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

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.

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?

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.

kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.