Rappi Card review

No. The annual fee is MXN 0 and the card sits in the no annual fee model, so there is no yearly charge for holding it. The costs that do apply come from how you borrow, not from keeping the account open, so the 101.4% rate is the figure to watch.

The rewards type is cashback. The top rate applies to Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top ups, and a lower rate applies to all other purchases, so the value depends on how much of your spending falls in that first group.

Interest runs at 101.4%, higher than the 20.85% typical for credit cards here. Deferred purchases at a preferential rate and monthly interest free instalments are the cheaper routes, so carrying a balance without one of those plans is the expensive choice.

Yes. The card is a credit card with monthly interest free instalments at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, and deferred purchases over a set minimum amount repaid across several terms at a preferential rate. Utilities can be paid in one tap from the app, and you choose the payment date.

The card is issued by RappiPay Compania de Financiamiento S.A, which is licensed by Banco de Mexico (Banxico) in Mexico and by the Superintendencia Financiera de Colombia (SFC) in Colombia. The card is a Visa card accepted worldwide, so it works abroad, though the borrowing cost stays the same wherever you spend.

Support runs on chat and email, and the card also advertises round the clock personal advisor support, so a personal contact sits alongside those written channels. If you want to check your standing first, the free credit report gives you a starting point without leaving the app.

It fits people who already live in the Rappi app for delivery, travel and top ups, and who want credit with an annual fee of MXN 0. It suits users who pay in full each month, since 101.4% only bites on a carried balance. If you want a deposit backed card instead, one of the alternatives is a closer match.

It is a Visa card accepted worldwide, so the card itself travels. Two things to keep in mind: this is a credit card from RappiPay Compania de Financiamiento S.A, so 101.4% still applies on anything you borrow, and the highest cashback rate applies to the Rappi categories rather than to spending abroad.