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# What paying little costs on a revolving card: 2026 report

In our calculation with the rates of ten revolving cards, a €2,000 debt paid at 3% of what you owe each month, with a €25 minimum, takes between 82 and 121 months and costs between €694 and €2,120 in interest. With a fixed €60 payment, almost the same in the first month, it takes between 41 and 52 months.

Filip Sardjoski ([About](https://orwanna.com/en/about/)) · Updated: 16 October 2026 · Reviewed by: Not yet

## What rates do revolving cards charge in Spain?

In Asufin's December 2025 survey, the average APR (TAE) of ten revolving cards is 23.34%. It runs from 11.85% for Abanca's Visa Proyecta to over 41% for BBVA's Tarjeta Después Oro.

Asufin took its figures from each card's public information between 14 and 17 November 2025. Its TAE includes the card's issuance fee, so it can be higher than the issuer's own figure. We compared each card with its issuer's page on 16 October 2026.

| Card | Issuer | TIN | TAE per Asufin | TAE on the issuer's site | Minimum payment per Asufin |
|---|---|---|---|---|---|
| Tarjeta Después Oro | BBVA | 19.80% | 41.38% | 21.76% | €12 |
| Tarjeta Después | BBVA | 19.80% | 32.05% | 21.19% | €12 |
| WiZink Now | WiZink | 21.58% | 23.85% | 23.85% | €18, or €40 if taken out from 27 April 2023 |
| Visa Pass Carrefour | Servicios Financieros Carrefour | 20.99% | 23.13% | 23.10% to 23.13% | 5% |
| Visa & Go | CaixaBank | 20.40% | 22.42% | 22.42% | 1.5% of the debt |
| Bankintercard Platinum | Bankinter Consumer Finance | 20.55% | 22.60% | Not on the issuer's site | 2.5%, minimum €18 |
| Tarjeta Alcampo Dúa | Oney | 20.03% | 21.98% | 22.99% (TIN 20.87%) | A percentage set so that at least 50% of the payment goes to principal and interest |
| Tarjeta Shopping | Deutsche Bank | 16.80% | 18.16% | 18.16% | €20 or 2% of the balance |
| IKEA Visa | CaixaBank Payments & Consumer | 14.95% | 16.01% | 23% (TIN 20.88%) | €30 |
| Visa Proyecta | Abanca | 11.25% | 11.85% | 11.85% | 1.5%, minimum €30 |

Notes on the table:

- **Tarjeta Después Oro.** Asufin's tables give 41.38% and its text 41.48%. The gap with BBVA's 21.76% is the €80 annual fee, which Asufin includes in the TAE. BBVA says it doesn't charge the fee if in a year you finance a purchase over €50 or pay a bill in revolving mode.
- **IKEA Visa and Tarjeta Alcampo Dúa.** Asufin's figures match what each issuer publishes for paying one purchase in instalments, not for revolving deferred payment. The table below uses the revolving TIN from the issuer's site.
- **Visa & Go.** CaixaBank's page gives 22.42% for cards issued by CaixaBank Payments & Consumer without naming a specific card.
- **Tarjeta Shopping.** Deutsche Bank's document is from 2021.
- **Bankintercard Platinum.** We couldn't find it on Bankinter Consumer Finance's site.

## How much does paying little cost on each card?

Far more than a similar fixed payment. On a €2,000 debt, paying 3% of what you owe, with a €25 minimum, costs between €694 and €2,120 in interest depending on the card. A fixed €60 payment, almost the same in the first month, costs between €409 and €1,080.

| Card | TIN used | 3% of the balance, €25 minimum | Fixed €60 payment | €60 plus €45 of round-ups |
|---|---|---|---|---|
| WiZink Now | 21.58% | 121 months, €2,120 | 52 months, €1,080 | 24 months, €471 |
| Visa Pass Carrefour | 20.99% | 118 months, €1,993 | 51 months, €1,027 | 24 months, €454 |
| IKEA Visa | 20.88% | 117 months, €1,970 | 51 months, €1,017 | 24 months, €451 |
| Tarjeta Alcampo Dúa | 20.87% | 117 months, €1,968 | 51 months, €1,017 | 24 months, €451 |
| Bankintercard Platinum | 20.55% | 115 months, €1,904 | 50 months, €989 | 24 months, €442 |
| Visa & Go | 20.40% | 114 months, €1,874 | 50 months, €977 | 24 months, €437 |
| Tarjeta Después and Después Oro | 19.80% | 111 months, €1,761 | 49 months, €928 | 24 months, €421 |
| Tarjeta Shopping | 16.80% | 99 months, €1,291 | 46 months, €713 | 23 months, €343 |
| Visa Proyecta | 11.25% | 82 months, €694 | 41 months, €409 | 22 months, €214 |
| Survey average | 18.62% | 106 months, €1,560 | 48 months, €838 | 23 months, €389 |

The 3% with a €25 minimum is an example of a minimum payment, not each card's own. Each card's real minimum payment is in the table above, and its contract may have more conditions.

## Why is paying a percentage so expensive?

Because the payment falls each month along with the debt, so each month you pay off less.

On the survey's average card, the first 3% payment is about €61, almost the same as the fixed €60. But the 3% payment keeps shrinking and the debt takes more than twice as long to reach zero: 106 months against 48, and €1,560 of interest against €838.

**When will you finish?** Enter your balance, TIN and payment. You'll see how many months you have left and how much interest you pay, with and without round-ups. [Open the calculator](https://orwanna.com/en/calculator/)

## How did we work it out?

With the same maths as our calculator: each month the TIN divided by 12 is added to the debt, then the payment comes off. We start from a €2,000 debt.

- We use the TIN from Asufin's table, except for IKEA Visa and Tarjeta Alcampo Dúa, where we use the revolving TIN from the issuer's site.
- We don't add new purchases, fees or insurance. We assume you pay off what you spend each month.
- The €45 of round-ups is 30 purchases a month with an average round-up of €0.50, multiplied by 3.
- Banco de España publishes an average rate for credit and revolving cards, the TEDR, which excludes fees: 18.26% in August 2026, a provisional figure. It isn't comparable with each card's TAE.

## What doesn't this report say?

It isn't what any one person will pay. Your cost depends on your balance, your contract, your new purchases and any fees and insurance you have.

Ten cards aren't the whole market, and rates change. Payment protection insurance can raise the cost a lot: in Asufin's survey, WiZink Now with insurance reaches 35.76%.

## Sources

1. [IX Barómetro de tarjetas revolving](https://www.asufin.com/wp-content/uploads/2026/02/251212_IX_BAROMETRO_REVOLVING_DICIEMBRE_2025.pdf), Asufin, December 2025, data from 14 to 17 November 2025
2. [Los precios de las tarjetas revolving superan el 23 %](https://www.asufin.com/los-precios-de-los-tarjetas-revolving-superan-el-23/), Asufin
3. [Tarjeta de crédito Visa Proyecta](https://www.abanca.com/es/tarjetas/tarjeta-credito-visa-proyecta/), Abanca
4. [WiZink Now](https://www.wizink.es/public/tarjetas-de-credito/wizink-now), WiZink
5. [Facilidades de crédito de las tarjetas](https://www.caixabank.es/particular/tarjetas/facilidades-credito.html), CaixaBank
6. [Solicitar la Tarjeta PASS Carrefour](https://www.pass.carrefour.es/solicitar-tarjeta), Servicios Financieros Carrefour
7. [Tarjeta Después Oro](https://www.bbva.es/personas/productos/tarjetas/tarjeta-despues-oro.html), BBVA
8. [Tarjeta Alcampo Dúa](https://www.compraonline.alcampo.es/content/tarjeta-alcampo-dua), Alcampo and Oney
9. [IKEA Visa](https://www.caixabankpc.com/es/particulares/ikea-visa), CaixaBank Payments & Consumer
10. [Información normalizada de las tarjetas revolving](https://www.deutsche-bank.es/dam/spain/es/pbc/pdf/INE_Tarjetas_Revolving_ESP.pdf), Deutsche Bank, 16 March 2021
11. [Boletín Estadístico, table 19.4: interest rates (TEDR) on new business](https://www.bde.es/webbe/es/estadisticas/compartido/datos/pdf/a1904.pdf), Banco de España, 30 September 2026
12. [Tarjeta Después BBVA: información normalizada europea sobre crédito al consumo (contract information)](https://www.bbva.es/content/dam/public-web/bbvaes/documents/personas/productos/tarjetas/credito/despues/ine/despues.pdf), BBVA, edition DES 03-26

## Read next

- [Minimum payment or fixed instalment](https://orwanna.com/en/guides/minimum-payment-vs-fixed-instalment/): If you pay a percentage of what you owe, the payment falls along with the debt and the time stretches out a lot. In the example, €2,000 at 18% TIN paid at 3% of the balance, with a €25 minimum, takes 103 months and costs €1,463 in interest; at a fixed €60, 47 months and €793.
- [The 22% APR cap](https://orwanna.com/en/guides/22-percent-cap/): It isn't law. The draft consumer credit contracts law, which the Council of Ministers approved in a first reading on 7 January 2026, sets a transitional 22% cap on revolving cards, including existing ones. It never reached Congress, and the Cortes were dissolved on 5 October 2026 ahead of the 29 November election.
- [Get out of revolving debt](https://orwanna.com/en/guides/get-out-of-revolving-debt/): Stop using the card's credit, raise your payment or switch to paying in full, and make extra payments when you can: every extra euro goes straight to the debt. With €2,000 at 18% TIN, raising the payment from €60 to €100 cuts the time from 47 to 24 months and the interest from €793 to €396.

**General information, not financial or legal advice.** For help or to complain: [Banco de España's Portal del Cliente Bancario](https://clientebancario.bde.es/pcb/es/), [Asufin](https://www.asufin.com/), [OCU](https://www.ocu.org/), [FACUA](https://facua.org/), [ADICAE](https://www.adicae.es/).

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