Qik Banco Digital review

The credit card carries an annual fee of DOP 0, and the account behind it has a monthly fee of DOP 0. Together those fees make Qik a no annual fee provider, and the cashback on the card is 1%.

The account carries a monthly fee of DOP 0, and the card that comes with it is a debit card on the visa network. Qik lists no annual fee as its pricing model, so nothing is charged just to hold the account open.

The rewards rate is listed as 1% cashback ilimitado, and the rewards type is cashback rather than points or miles. In plain terms, spending earns 1% back, and rewards is the only feature Qik lists for the card.

Yes. Qik issues a credit card with an annual fee of DOP 0 and a separate debit card tied to the account, whose monthly fee is DOP 0. The credit side carries the rewards, while the debit side is the everyday spending card.

The card runs on visa, the network used by 58.6% of the cards compared here. That matters for daily payments, since a debit card on a widely used network is accepted at most merchants that take cards.

The provider is Qik Banco Digital Dominicano, based in Dominican Republic. It runs both the account and the cards, so the credit card with the DOP 0 annual fee and the debit card on the visa network both sit with the same provider.

Help runs through help centre, so questions are answered by articles rather than by a person on a call. Plan for a self service route and read the help centre first, since that is the channel Qik lists.

Secured cards elsewhere on the site list a median APR of 1.75%, while credit cards overall sit at 20.85%. Qik's own card is a credit card paying 1% cashback, so the rewards rather than the borrowing rate are the hook.