Confronta le carte di credito in Italia.
22 live carte di credito offers tracked across 19 Italian providers, with annual fees from €0 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.
22 live offers compared from 19 providers, from €19.95 /year. Updated daily.
€0 /year
Gratuita il primo anno se utilizzata almeno una volta. Dal 2° anno €49. Carta aggiuntiva €36.
€0 /year
Promotional advertising message. Account opening and credit card issuance are subject to bank assessment.
€0 /year
Promotional advertising message. The revolving credit card allows you to pay the statement in instalments within the approved credit limit, with interest charges. Card issuance is at American Express's discretion.
€0 /year
Promotional advertising message. Card issuance is subject to bank assessment.
€0 /year
APR 21.00% / EAR 23.10%. The 55-day interest-free benefit is forfeited if the full balance is not paid by the due date. Travel insurance activation requires at least 50% of the total trip cost to be paid with the card.
€0 /year
EAR 23.15%
€0 /anno
€0 /year
Quota gratuita il 1° anno. Dal 2° anno €7 al mese.
€0 /year
Canone a 0€ se si spendono almeno €6.000/anno; riduzione del 50% se si spendono almeno €3.000/anno.
€0 /year
Offer valid until 31 March 2026. Card issuance is subject to assessment.
€19.95 /year
Canone annuo di €19,95. Disponibile anche in versione Virtuale.
€43 /year
For amounts of €50 or less, PIN entry is not required if the cumulative amount of previous transactions since the last PIN entry does not exceed €150.
€44 /year
Canone annuo €44. Carta aggiuntiva €25. Emessa da Deutsche Bank.
€60 /year
No fee when paying in euros at stores displaying the card network logo. Free insurance coverage provided by Intesa Sanpaolo Protezione.
€70 /year
Canone annuo €70. Carta aggiuntiva €35. Emessa da Deutsche Bank.
€840 /year
Essere maggiorenne e residente in Italia, avere un conto corrente SEPA, avere un reddito annuale lordo di almeno 45.000 euro
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Italy's credit card market is dominated by the major national banks (Intesa Sanpaolo, UniCredit, Banca Mediolanum) and payment specialists (Nexi, American Express), alongside digital challengers like TF Bank and ING. Understanding how Italian credit cards work is essential before comparing deals, as they differ in important ways from cards in other markets.
Italian credit cards fall into two primary categories:
"A saldo" (Charge card / full balance) — The most common type in Italy. The full outstanding balance is automatically debited from your current account once per month on a fixed date (typically the 10th or 15th of the following month). There is no revolving option and no interest is charged provided you maintain sufficient funds. These are the most financially prudent choice for regular spenders.
Revolving — A flexible repayment card where you choose a minimum monthly repayment (typically 3% of the outstanding balance, minimum €30). The remaining balance carries over to the following month and interest is charged at the card's TAEG. Revolving cards carry significant interest costs if balances are not cleared promptly — the TAEG on Italian revolving cards typically ranges from 14% to 23%.
Canone annuo (annual fee) — Most Italian credit cards charge an annual subscription fee (canone). This is sometimes called "quota associativa". Many cards waive the fee for the first year (primo anno gratuito) or offer a zero-fee first year as a promotional incentive. After the promotion, standard fees apply.
Canone azzerabile — Some cards automatically reduce the annual fee to zero if you meet a monthly spend threshold (e.g., spend €500/month or more). Always check the fee-waiver conditions.
Plafond — The credit limit (plafond) in Italy is typically a monthly spending limit rather than a cumulative revolving balance. The plafond is the maximum you can spend in any given month and resets each billing cycle.
TAEG (Tasso Annuo Effettivo Globale) — The equivalent of APR in Italy. This is the total annual cost of credit including interest (TAN) and all mandatory charges. The TAEG is the standard comparison metric for revolving credit cards and consumer credit in Italy.
Imposta di bollo — Italian credit card statements are subject to a government stamp duty (imposta di bollo) of €2 per quarter if the balance exceeds €5,000. This is an unavoidable regulatory cost.
Rewards programmes are less ubiquitous in Italy than in the UK or US, but premium cards increasingly offer them. Common programmes include:
Premium Italian credit cards often include travel insurance, airport lounge access, and purchase protection as standard benefits. Key things to check:
Italian credit cards typically require you to hold a current account (conto corrente) with the issuing bank or within the SEPA network. Some cards (notably revolving cards like Advanzia's offering) do not require a linked current account. Income requirements vary: American Express Gold requires a gross annual income of at least €25,000.
What is the difference between "A saldo" and "Revolving" in Italy?
"A saldo" means the full balance is debited automatically each month — no interest charged. "Revolving" means you pay a minimum monthly instalment and carry the remaining balance at interest (TAEG). Always prefer "A saldo" unless you specifically need revolving flexibility.
Is the annual fee avoidable?
Many Italian cards offer a fee waiver if you spend above a monthly threshold ("canone azzerabile"). Check the specific conditions. Some cards (TF Bank, Advanzia, TF Mastercard Gold) genuinely have no annual fee.
Can I use an Italian credit card abroad?
Yes. Most Italian cards work on Visa, Mastercard, or American Express networks internationally. Check the foreign transaction fee (commissione estera) — typically 2%. Some revolving cards (TF Bank, Advanzia) waive this fee entirely.
Minimum score requirements vary by card and issuer. In Italy, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Giraffy tracks 22 credit cards across 19 banks in Italy. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Yes — several cards tracked by Giraffy in Italy charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.