American Express — Carta Platino vs BBVA — Carta di Credito
BBVA — Carta di Credito starts ahead on fees: €36 versus €840 for American Express — Carta Platino. For spending abroad FX markup matters, and BBVA — Carta di Credito does better (0% vs 2.5%). In short: American Express — Carta Platino if your usage matches its strength, BBVA — Carta di Credito otherwise — the numbers above beat any slogan.
| American Express — Carta Platino | BBVA — Carta di Credito | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.5 | ★ 3.7 |
| Network | American Express | Mastercard |
| Card type | Charge | Revolving credit |
| Backing | Unsecured | Unsecured |
| APR | Charge (pay in full) | 6.21% |
| Issuing bank | American Express | BBVA S.A. |
| Issuance fee | Free | Free |
| Annual fee | €840/year | €36/year |
| ATM withdrawal | 3.9% | 4% |
| FX markup | 2.5% | 0% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | — |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Circuito globale American Express · carta a saldo premium travel/lifestyle | Gruppo bancario spagnolo · carta di credito con FX 0% e rateizzazione a TAN 0% |
| Regulator | Banca d'Italia (vigilanza istituti di pagamento) | Banco de España / BCE · Banca d'Italia per la succursale |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Istituto di pagamento / emittente carte (American Express) | Banca (Banco Bilbao Vizcaya Argentaria S.A., vigilata da Banco de España e BCE; opera in Italia tramite succursale) |
Frequently asked questions
American Express — Carta Platino vs BBVA — Carta di Credito: which is better?
BBVA — Carta di Credito starts ahead on fees: €36 versus €840 for American Express — Carta Platino. For spending abroad FX markup matters, and BBVA — Carta di Credito does better (0% vs 2.5%). In short: American Express — Carta Platino if your usage matches its strength, BBVA — Carta di Credito otherwise — the numbers above beat any slogan.
Is American Express — Carta Platino custodial or self-custody?
American Express — Carta Platino is self-custody: you keep the keys, while BBVA — Carta di Credito is self-custody.
Which is better for spending abroad?
For foreign-currency spending BBVA — Carta di Credito wins, with the lowest FX markup: 0%.