BBVA — Carta di Credito vs Webank Cartimpronta
Webank Cartimpronta starts ahead on fees: no annual fee versus €36 for BBVA — Carta di Credito. For spending abroad FX markup matters, and BBVA — Carta di Credito does better (0% vs 1.5%). In short: BBVA — Carta di Credito if your usage matches its strength, Webank Cartimpronta otherwise — the numbers above beat any slogan.
| BBVA — Carta di Credito | Webank Cartimpronta | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.7 | ★ 3.7 |
| Network | Mastercard | Visa / Mastercard |
| Card type | Revolving credit | Charge |
| Backing | Unsecured | Unsecured |
| APR | 6.21% | Charge (pay in full) |
| Issuing bank | BBVA S.A. | Banco BPM (Webank) |
| Issuance fee | Free | Free |
| Annual fee | €36/year | Free |
| ATM withdrawal | 4% | Free |
| FX markup | 0% | 1.5% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Gruppo bancario spagnolo · carta di credito con FX 0% e rateizzazione a TAN 0% | Banca digitale italiana (gruppo Banco BPM) · carta di credito a canone zero |
| Regulator | Banco de España / BCE · Banca d'Italia per la succursale | Banca d'Italia (vigilanza bancaria) / BCE |
| Segment | B2C | B2C |
| Credit limit | — | €7,800 |
| Virtual card | — | Yes |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Banca (Banco Bilbao Vizcaya Argentaria S.A., vigilata da Banco de España e BCE; opera in Italia tramite succursale) | Banca (Banco BPM S.p.A. — marchio Webank, vigilanza Banca d'Italia / BCE) |
Frequently asked questions
BBVA — Carta di Credito vs Webank Cartimpronta: which is better?
Webank Cartimpronta starts ahead on fees: no annual fee versus €36 for BBVA — Carta di Credito. For spending abroad FX markup matters, and BBVA — Carta di Credito does better (0% vs 1.5%). In short: BBVA — Carta di Credito if your usage matches its strength, Webank Cartimpronta otherwise — the numbers above beat any slogan.
Is BBVA — Carta di Credito custodial or self-custody?
BBVA — Carta di Credito is self-custody: you keep the keys, while Webank Cartimpronta is self-custody.
Which is better for spending abroad?
For foreign-currency spending BBVA — Carta di Credito wins, with the lowest FX markup: 0%.