Credit cards are widely used across Europe for online shopping, hotel bookings, travel payments, and everyday spending. Each European country has its own financial rules, but the general process for getting a credit card is similar across the region. Adults in Europe must meet certain requirements such as proof of income, identity documents, and a stable financial record.
This article explains the top 10 ways adults typically get a credit card in Europe, helping you understand how the system works and what financial responsibility looks like.
1. Applying Through a Local Bank
The most common way adults get a credit card in Europe is by applying through a local bank. Major banks like Santander, BNP Paribas, Deutsche Bank, ING, Barclays, and UniCredit offer a variety of cards.
To apply, adults usually need:
Proof of identity
Proof of residence
Employment or income documents
Bank account history
Banks check creditworthiness, financial stability, and spending patterns before approving the application. This method is widely used because banks offer full security and reliable customer service.
2. Applying Online Through Digital Banks
Digital banking is growing fast in Europe. Many adults apply for credit cards online through digital banks like N26, Revolut, Monzo, Bunq, and Wise.
These online applications are simple and quick. Digital banks often use automated systems to verify identity and check financial history. They may offer virtual credit cards, travel cards, or flexible credit limits.
This method appeals to adults who prefer fast, mobile-based banking.
3. Getting a Pre-Approved Offer
Some European banks send pre-approved credit card offers to qualified customers. These offers are based on:
Existing bank account history
Positive financial behavior
Strong credit score
Although “pre-approved” does not guarantee final approval, it increases the likelihood. Adults choose this method because it is convenient and usually comes with faster processing.
4. Applying for a Secured Credit Card
For adults with no credit history or low credit scores, many European countries offer secured credit cards. These cards require a refundable security deposit, often between €200 and €500.
The deposit becomes the credit limit, reducing the bank’s risk. Over time, as the cardholder builds a strong payment history, they may qualify for a regular unsecured credit card.
Secured cards are popular among newcomers to Europe, international students over 18, and adults starting their financial journey.
5. Becoming an Authorized User
Some adults become authorized users on a family member’s or partner’s credit card. This allows them to use the card under the main account holder’s responsibility.
The primary cardholder pays the bills, but the authorized user benefits from the credit history.
This method is helpful for adults building credit slowly and learning financial discipline.
6. Applying Through a Credit Union or Cooperative Bank
Credit unions and cooperative banks are widely used in countries like Germany, France, Italy, Ireland, and Spain. These institutions are member-based and often more flexible than large commercial banks.
Adults join a credit union through their job, community, or organization, and then gain access to:
Lower interest credit cards
Easier approval
Lower annual fees
Credit unions are known for personalized service and supporting long-term financial stability.
7. Getting a Store Credit Card
Many large European retailers offer store credit cards with special discounts and loyalty rewards. Popular retailers include:
Carrefour
IKEA
El Corte Inglés
Tesco
Decathlon
MediaMarkt
Store credit cards often have lower approval requirements but higher interest rates. Adults use them to build credit while enjoying store-specific benefits.
They are typically easier to obtain because they are tied to one retailer instead of the entire financial system.
8. Applying After Building a Strong Credit Score
Europe uses credit scoring systems similar to the USA, although rules differ by country. Adults usually build credit through:
Paying bills on time
Maintaining a bank account
Managing loans responsibly
Using mobile phone contracts
Avoiding debt
Once they have a stable financial record, they apply for a credit card with better rewards, travel benefits, and lower fees.
This method is essential because banks trust applicants with positive financial history.
9. Employer-Linked Credit Card Programs
Some companies in Europe offer financial partnerships with banks. Employees receive easier access to credit cards with:
Lower interest rates
Higher approval chances
Better travel benefits
No annual fees
These employment-based credit cards are popular in large companies, universities, tech firms, and government institutions.
Adults choose this option for convenience and added financial perks.
10. Applying for a Student Credit Card (Age 18+ Only)
European banks offer student credit cards to adults enrolled in universities. These cards usually come with:
Lower credit limits
No annual fee
Basic rewards
Simple approval requirements
Banks may require proof of enrollment, a guarantor, or part-time job income.
Student credit cards help young adults learn budgeting and credit management early in their financial life.
Common Requirements for Credit Cards in Europe
Although each country has its own rules, most banks require the following for adults applying for credit cards:
1. Proof of Identity
Examples include:
Passport
National ID card
Residence permit
2. Proof of Address
Such as:
Rental contract
Utility bill
Official bank statement
3. Proof of Income
Banks review:
Salary slip
Work contract
Tax returns
Self-employment income
4. Credit Check
Lenders examine the applicant’s credit history, financial habits, and past debts.
5. Age Requirement
Adults must be 18 or older to legally obtain a credit card in Europe.
How Young People Can Prepare for Financial Responsibility
Even if someone is not old enough to apply yet, they can begin preparing by:
Learning how interest, credit scores, and debt work
Saving money regularly
Practicing budgeting
Using debit cards responsibly
Understanding financial agreements
Avoiding unnecessary expenses
These habits help build a strong financial foundation for adulthood.
Final Thoughts
Credit cards in Europe are essential financial tools that offer convenience, security, and credit-building opportunities. Adults obtain them through banks, digital apps, secured card options, store cards, and employment programs.
Understanding how credit card systems work helps young people develop smart money habits and prepare for responsible financial decision-making in the future.
