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APR and nominal interest explained Nominal interest covers interest alone. APR includes applicable borrowing costs. Published APRs are bank examples with different amounts and terms; they are not quotes for your selection. Understand APR →
Alphabetical by default. No paid ranking. Published rates are subject to conditions.
American Bank of Investments Credit card for in-store and online purchases with flexible monthly repayment.
Card fee · later years ALL 1,250 / year · Standard
EUR 10 / year · Standard Card maintenance only; other charges may apply
Currencies ALL · EUR
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
American Bank of Investments Credit card for in-store and online purchases with flexible monthly repayment.
Card fee · later years ALL 2,500 / year · Standard
EUR 20 / year · Standard Card maintenance only; other charges may apply
Currencies ALL · EUR
Nominal interest by currency ALL · Lekë Card rate 15% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Card rate 15% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Credit card for shopping and online payments.
Card fee · later years ALL 1,500 / year · Classic
ALL 3,000 / year · Gold Card maintenance only; other charges may apply
Currencies ALL
Nominal interest by currency ALL · Lekë VISA / Mastercard · standard credit 24% Annual nominal rate; table covers months 0–12
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Subject to the bank’s individual assessment.
A credit card for everyday, online and travel spending.
Card fee · later years ALL 100 / month (ALL 1,200 / 12 months) · Standard Card maintenance only; other charges may apply
Interest-free period Up to 40 days Full repayment conditions apply
Nominal interest by currency ALL · Lekë Purchases 20% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Premium credit card with travel benefits and personal assistance.
Card fee · later years EUR 20 / month (EUR 240 / 12 months) · Standard Card maintenance only; other charges may apply
Interest-free period Up to 40 days Full repayment conditions apply
Nominal interest by currency EUR · Euro Purchases 18% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
First Investment Bank Albania Visa credit card for in-store and online purchases, with full or minimum repayment.
Card fee · later years ALL 2,000 / year · Standard
EUR 20 / year · Standard
USD 20 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
First Investment Bank Albania A euro credit card for spending and travel with premium services.
Card fee · later years EUR 30 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Intesa Sanpaolo Bank Albania Credit card in ALL or EUR with full or minimum monthly repayment.
Card fee · later years ALL 1,500 / year · Standard
EUR 15 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Documented income and good credit history; limit depends on salary, banking history and security. Full timely repayment avoids purchase interest.
Intesa Sanpaolo Bank Albania Euro charge card offered by invitation, with travel services.
Card fee · later years EUR 500 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 15 days Full repayment conditions apply
Nominal interest by currency EUR · Euro Nominal rate unconfirmed. Request pricing for this currency from the bank.
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Offered by invitation from the bank.
Virtual Mastercard for purchases, with a reusable limit managed in the app.
Card fee · later years ALL 0 / year Card maintenance only; other charges may apply
Currencies ALL · EUR
Nominal interest by currency ALL · Lekë Bank example rate 20% Annual nominal rate in the example
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Nominal rate unconfirmed. Request pricing for this currency from the bank.
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Visa for in-store and online spending with minimum monthly repayment.
Card fee · later years ALL 1,500 / year · salary at this bank
ALL 2,500 / year · other customers
EUR 10 / year · salary at this bank
EUR 20 / year · other customers Card maintenance only; other charges may apply
Currencies ALL · EUR
Who can apply? Salary earners in Albania, including customers of other banks. Fixed-term employment requires security; unemployed applicants may apply with a pledged personal deposit. ID/passport and 12 months of income statements.
Spending card with an income-based limit and digital-wallet support.
Card fee · later years ALL 2,000 / year · Standard
EUR 15 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Nominal interest by currency ALL · Lekë Full monthly repayment 0% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Full monthly repayment 0% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Credit card for everyday purchases and instalment payments subject to terms.
Card fee · later years ALL 1,000 / year · Standard
EUR 7 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 45 days Full repayment conditions apply
Who can apply? Verifiable salary or business income, or cash security; non-payroll customers at Raiffeisen may also apply.
Credit card with travel benefits and spending in ALL or EUR.
Card fee · later years ALL 7,000 / year · Standard
EUR 50 / year · Standard Card maintenance only; other charges may apply
Currencies ALL · EUR
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Visa Gold for shopping and travel with instalment options.
Card fee · later years ALL 3,500 / year · Standard
EUR 30 / year · Standard Card maintenance only; other charges may apply
Currencies ALL · EUR
Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Premium credit card with airport services and travel insurance.
Card fee · later years Unconfirmed Card maintenance only; other charges may apply
Currencies ALL · EUR
Nominal interest by currency ALL · Lekë Card rate 22% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Card rate 22% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Mastercard for in-store and online purchases, managed in UB Online.
Card fee · later years ALL 0 / year · Standard
EUR 20 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 48 days Full repayment conditions apply
Nominal interest by currency ALL · Lekë Standard Mastercard 21% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Standard Mastercard 15% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Consult the bank’s terms and documents for eligibility criteria.
Sources you can check yourself. How we compare ↗
