RappiPay review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
RappiPay pairs a debit card with a credit line, so you can borrow on it and still earn cashback on everyday spending. It suits Colombian card users who want a single card for spending, borrowing and rewards, though interest at 101.4% makes a carried balance costly.
Key facts
- Best for
- Colombian card users who want cashback and a credit line on one Visa debit card.
- Monthly fee
- COP 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- RappiPay Colombia (Source, checked September 26, 2026)
- Headquarters
- Colombia (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Support channels
- Chat, Email (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- rappi.com
Credit cards
- Annual fee
- MX$0 (Source, checked September 26, 2026)
- APR
- 101.4% (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Up to 5% cashback: 3% on Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top-ups, 1% on all other purchases (Source, checked September 26, 2026)
- Perks
- Monthly interest-free installments (MSI) at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, Deferred purchases over 500 MXN payable over 3, 6, 9, 12, 15 or 18 months at a preferential rate, Free credit report, 24/7 personal advisor support, Pay utilities in one tap from the app, Choose your own payment date, Visa card accepted worldwide (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- RappiPay Colombia (Source, checked September 26, 2026)
- Headquarters
- Colombia (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Support channels
- Chat, Email (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataLinkedInTrustpilot
Pros and cons
Pros
- A monthly fee of COP 0 and an annual fee of MXN 0, so holding the card adds no cost.
- A richer cashback rate on Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top-ups, with cashback as the reward type.
- Interest-free monthly instalments at merchants such as Amazon, Mercado Libre, Nike and Liverpool.
Cons
- Interest on the credit line runs at 101.4%, so a carried balance is expensive.
- Currency conversion costs 2%, placing RappiPay at 160 of 259 on that measure.
- Support runs on chat and email only, so there is no phone or branch help listed.
Who it suits
- Colombian card users who want a credit line and cashback on one visa debit card.
- People who buy travel, meals, medicine, groceries, gift cards and top-ups, where the cashback rate is richer.
Who should look elsewhere
- Wise, if you want to hold and convert several currencies: its monthly fee is £0, while RappiPay charges 2% to convert.
- Varo Believe Secured Credit Card, which has a monthly fee of $0 and a limit backed by your own deposit rather than borrowing.
- Chime Card (Secured Visa Credit Card), if a secured limit at a monthly fee of $0 suits you better than borrowing at 101.4%.
How RappiPay compares
8.6 vs 9.4
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 9.2
8.6 vs 8.8
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 9.0
8.6 vs 8.8
8.6 vs 8.8
8.6 vs 8.7
8.6 vs 9.2
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 8.8
8.6 vs 9.6
8.6 vs 9.4
8.6 vs 9.4
8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.1
8.6 vs 9.1
8.6 vs 9.1
8.6 vs 8.8
8.6 vs 8.8- 8.6 vs 8.8
- 8.6 vs 8.8
8.6 vs 8.8- 8.6 vs 8.8
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.3
8.6 vs 8.2
8.6 vs 8.0
8.6 vs 8.0
Where RappiPay is available
- Available
- Colombia, Mexico
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does RappiPay cost to hold?+
The card carries an annual fee of MXN 0 and a monthly fee of COP 0, so keeping it open costs nothing. The costs you create are the ones that matter: interest on a credit balance at 101.4%, and 2% each time you convert currency.
Is this a debit card or a credit card?+
It is a debit card, so it spends from your account balance, and the card kind is credit, so the account also carries a revolving line you can borrow on and repay. The visa card is accepted worldwide.
How much cashback do I earn?+
The reward type is cashback. A higher rate applies to Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top-ups, and a lower rate applies to all other purchases, so everyday spending still earns something back.
What does it cost to use the card abroad?+
Converting currency costs 2%, and that lands on every foreign purchase. On the site's currency conversion ranking RappiPay sits at 160 out of 259, so spending at home comes first and travel second.
Can I pay in instalments?+
Monthly interest-free instalments run at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, and larger purchases can be deferred over several months at a preferential rate (Monthly interest free installments (MSI) at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, Deferred purchases over 500 MXN payable over 3, 6, 9, 12, 15 or 18 months at a preferential rate and Free credit report). You can also choose your own payment date.
What support can I reach?+
Support runs on chat and email, and a personal advisor is listed as reachable at any hour. The app handles utility payments in one tap and lets you choose your own payment date (Monthly interest free installments (MSI) at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, Deferred purchases over 500 MXN payable over 3, 6, 9, 12, 15 or 18 months at a preferential rate and Free credit report).
Who is RappiPay for?+
It suits Colombian card users who want cashback and a credit line on one card, and people who spend on travel, meals, medicine and groceries, where the cashback rate is richer. It also suits anyone who wants to set their own payment date.
Sources
- rappicard.mx/comisiones-rappicard checked September 26, 2026
Backs: Annual fee, APR
- linkedin.com/company/rappipay-co checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founding Year: 2018”
- rappicard.mx checked September 26, 2026
Backs: Card kind, Features, Pricing model, Perks, Rewards rate, Rewards type
- rappipay.co/acerca-de-rappipay checked September 26, 2026
Backs: Support channels
- rappipay.co/tasas-y-tarifas checked September 26, 2026
Backs: Currency conversion fee, Monthly fee
“International purchase conversion fee: 2%”
- visa.com/en-jm/newsroom/press-releases/rappi checked September 26, 2026
Backs: Card type, Card network
“Reloadable debit card”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
RappiPay
Colombian card users who want cashback and a credit line on one Visa debit card.