BAC Credomatic Guatemala review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
BAC Credomatic Guatemala provides credit cards and debit cards for customers in Guatemala. It suits customers who want both spending methods from one provider and prefer to keep everyday card use together with clear organisation and straightforward daily account handling.
Key facts
- Best for
- Everyday credit and debit use together
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 1 point per dollar; up to 6% on fuel; 5% at supermarkets (Source, checked September 26, 2026)
- Perks
- Points rewards, Travel miles, Fuel discounts, Supermarket cashback (Source, checked September 26, 2026)
- Cashback rate
- 5% to 6% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- BANCO DE AMERICA CENTRAL, S.A. (Source, checked September 26, 2026)
- Headquarters
- Nicaragua (Source, checked September 26, 2026)
- Founded
- 1952 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Students
- Official website
- baccredomatic.com
Debit cards
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- BANCO DE AMERICA CENTRAL, S.A. (Source, checked September 26, 2026)
- Headquarters
- Nicaragua (Source, checked September 26, 2026)
- Founded
- 1952 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Students
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataWikipediaXfacebook.com
Pros
Pros
- Credit cards alongside debit cards from one provider
- Choice between borrowing on credit and spending from balance
Who it suits
- Customers wanting credit and debit in one place
- People organising everyday spending across two card types
How BAC Credomatic Guatemala compares
Where BAC Credomatic Guatemala is available
- Available
- Bahamas, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Panama
- Licence in Nicaragua
- SIBOIF, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which card types does BAC Credomatic Guatemala offer?+
BAC Credomatic Guatemala provides credit cards and debit cards. The two options cover borrowing on credit and spending directly from a balance. Customers can keep both methods with one provider for everyday use.
Where does BAC Credomatic Guatemala serve customers?+
BAC Credomatic Guatemala serves customers in Guatemala. Its credit cards and debit cards support everyday spending within that market. Customers consider the two card types and choose the method that matches daily habits.
Who finds its cards most useful?+
Its cards suit customers who use credit and debit side by side. They help organise everyday spending across borrowing and balance based payments. Customers should check eligibility and card management features before choosing.
Which company operates BAC Credomatic Guatemala?+
BAC Credomatic Guatemala is operated by BANCO DE AMERICA CENTRAL, S.A.. (Source, checked September 26, 2026)
Where is BAC Credomatic Guatemala based?+
BAC Credomatic Guatemala is based in Nicaragua. (Source, checked September 26, 2026)
When was BAC Credomatic Guatemala founded?+
BAC Credomatic Guatemala was founded in 1952. (Source, checked September 26, 2026)
How can I contact BAC Credomatic Guatemala support?+
BAC Credomatic Guatemala offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- ayuda.baccredomatic.com/tarjetas-de-credito checked September 26, 2026
Backs: Support channels
“Help center and customer service support”
- en.wikipedia.org/wiki/BAC_Credomatic checked September 26, 2026
Backs: Founded
“BAC Credomatic was founded in Managua, Nicaragua in 1952”
- baccredomatic.com/es-ni checked September 26, 2026
Backs: Audience
“Juvenil BAC Clásica”
- baccredomatic.com/es-ni/personas/tarjetas checked September 26, 2026
Backs: Card kind, Cashback rate, Features, Headquarters, Pricing model, Perks, Rewards rate, Rewards type
“La Colonia Mastercard: 5% discount; GasCard VISA: up to 6% on fuel”
- baccredomatic.com/es-ni/personas/tarjetas/debito/bac-debi... checked September 26, 2026
Backs: Card type, Card network
“Tarjeta BAC Débito MasterCard Internacional”
- siboif.gob.ni/instituciones/banco-de-america-central-sa checked September 26, 2026
Backs: Legal entity, Licences
“BANCO DE AMERICA CENTRAL, S.A.”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee.