Clara review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Clara suits businesses that want a company card with cashback and no monthly charge, since the monthly fee is MXN 0. It is built for business customers rather than personal banking, so an individual wanting their own everyday card should look elsewhere.
Key facts
- Best for
- Company cards with cashback and no monthly charge for businesses.
- Monthly fee
- MX$0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 1.5% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- CF Tech S.A. de C.V. SOFOM E.N.R. (Source, checked September 26, 2026)
- Headquarters
- Mexico (Source, checked September 26, 2026)
- Founded
- 2021 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- clara.com
Credit cards
- Annual fee
- MX$0 to MX$5,000 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1.5% cashback on daily debit on the free Clara plan, 2% on Clara Pro and Enterprise (Brazil); Clara Pontos rewards also included (Source, checked September 26, 2026)
- Perks
- Mastercard World Elite acceptance on Clara Black and TravelPay, Expense reconciliation in under 5 seconds via WhatsApp or mobile (AI Smart Match), Native ERP integrations (Oracle NetSuite, SAP Concur, QuickBooks), Clara Puntos rewards, exclusive discounts and exclusive cashback, SAT invoice recovery from receipt photos, Return equivalent to 20% CDI on account balance and 110% CDI on Limite Flexible (Brazil), 24/7 support with help centre and digital assistant (Source, checked September 26, 2026)
- Cashback rate
- 1.5% to 2% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- CF Tech S.A. de C.V. SOFOM E.N.R. (Source, checked September 26, 2026)
- Headquarters
- Mexico (Source, checked September 26, 2026)
- Founded
- 2021 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Virtual card, Travel
- Audience
- Business
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Cashback of 1.5% to 2% on daily debit spend, plus Clara Pontos rewards.
- A virtual card and travel are among virtual card and travel, and payments run on mastercard.
- Expense reconciliation and accounting software integrations sit inside Mastercard World Elite acceptance on Clara Black and TravelPay, Expense reconciliation in under 5 seconds via WhatsApp or mobile (AI Smart Match) and Native ERP integrations (Oracle NetSuite, SAP Concur, QuickBooks).
Cons
- Support runs on email, chat and help centre only, with no phone line listed.
- Cashback is thinnest on the free plan, where the rate is 1.5% against 1.5% to 2% on Clara Pro and Enterprise in Brazil.
- The account is sold to business customers, so there is no personal or joint option.
Who it suits
- Companies that want a card for staff and expenses without a monthly charge, since the monthly fee is MXN 0.
- Finance teams that reconcile spend in accounting software.
- Businesses paying suppliers or staff abroad, since converting currency costs 0%.
Who should look elsewhere
- Personal banking, since Clara serves business customers, while Wise has a monthly fee of £0 and fits individual accounts.
- Anyone after a secured card for credit history, where Varo Believe Secured Credit Card is the relevant name, while Clara pays 1.5% to 2% cashback on company spend.
Fees and currency costs
Clara's monthly fee is MXN 0, so keeping the account open adds nothing each month. The currency conversion fee is 0%, so a purchase in another currency is converted without a markup added to the amount. For a business that pays suppliers and staff abroad, that pairing removes the two charges that usually sit between a card and the money it moves.
How Clara compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
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8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where Clara is available
- Available
- Brazil, Colombia, Mexico
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Clara cost to hold each month?+
Clara's monthly fee is MXN 0, so holding the account adds no monthly charge. The paid tiers, Clara Pro and Enterprise, are the ones tied to an annual fee of MXN 0 to MXN 5,000. Cashback on the free plan is set at the lower rate, so the free version costs nothing but returns less.
Is there a fee for spending in another currency?+
The currency conversion fee is 0%, so a purchase in another currency is not marked up at conversion. That matters for a business paying suppliers abroad or staff on a trip, because the usual hidden charge on a card bill simply does not appear. On the site it ranks 1 on this measure among 259 brands.
What is the annual fee on the paid plans?+
The annual fee is MXN 0 to MXN 5,000, and it attaches to Clara Pro and Enterprise rather than the free plan. The higher cashback rate is stated for Brazil, where those tiers sit. On the free plan you keep the monthly fee at MXN 0 and pay no annual charge.
How much cashback do I earn?+
Cashback runs 1.5% to 2% depending on the plan. On the free Clara plan the rate is 1.5% on daily debit spend, while Clara Pro and Enterprise pay the higher rate, and that higher figure is stated for Brazil. Clara Pontos rewards come on top, and the rewards type is cashback.
Is this a debit card or a credit card?+
The card type is debit and the card kind is credit, so it sits in the middle ground of a debit card drawing on a credit line. Payments run on mastercard. A virtual card is among virtual card and travel, so online cards can sit alongside the plastic one.
Who can open a Clara account?+
Clara is aimed at business customers, so a company rather than a person opens the account. The legal entity behind it is CF Tech S.A. de C.V. SOFOM E.N.R., based in Mexico. If you want a personal current account, this is not the right account.
How do I get help when a card payment goes wrong?+
Support runs on email, chat and help centre, so a phone line is not part of the package and email or chat is the route. The longer help content is in Mastercard World Elite acceptance on Clara Black and TravelPay, Expense reconciliation in under 5 seconds via WhatsApp or mobile (AI Smart Match) and Native ERP integrations (Oracle NetSuite, SAP Concur, QuickBooks), which also lists round the clock support, the digital assistant and the receipt to invoice recovery tools.
Sources
- techcrunch.com/2023/04/26/spend-management-clara-fintech-... checked September 26, 2026
Backs: Founded
“Clara, a Mexico-based spend management company, closed on $60 million in equity in a round led by GGV Capital. The company launched its product in 2021”
- clara.com checked September 26, 2026
Backs: Features
“Clara Virtual: Issue unlimited virtual cards instantly... Clara TravelPay: Virtual cards and tracking for all travel-related payments”
- clara.com/es-mx/legal/aviso-de-privacidad checked September 26, 2026
Backs: Headquarters, Legal entity
- clara.com/legal/politica-de-privacidade checked September 26, 2026
Backs: Audience
- clara.com/pricing checked September 26, 2026
Backs: Cashback rate, Cashback rate, Currency conversion fee, Pricing model, Monthly fee, Perks, Rewards rate, Rewards type, Support channels
“Cashback no debito diario 1,5% 2% 2%”
- clara.com/products/corporate-card checked September 26, 2026
Backs: Annual fee, Card kind, Card type, Card network
“Clara White: Equip your entire workforce with physical Mastercard cards for secure, real-time spending at zero annual cost; Clara Black: A transparent $5,000 MXN annual fee for the region's most...”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.