BBVA Azul vs Banamex Forever: annual fee
| BBVA Azul | Banamex Forever | |
|---|---|---|
| APR (CAT) | 55% | 55% |
| Amount | $5k–$150k | $5k–$150k |
| Interest-free days | 50 días | 50 días |
| What sets it apart | BBVA points redeemable for travel, electronics; integration with payroll account | Forever points redeemable in a broad catalog; no annual cap on accumulation |
When to pick BBVA Azul
BBVA Azul wins if you already have BBVA payroll and integration saves you friction. BBVA points convert better in domestic travel and AeroMexico flights than the Forever catalog. The BBVA app shows accumulation and redemption in real time.
When to pick Banamex Forever
Banamex Forever wins if you prefer a broad, multi-brand catalog. No annual cap on point accumulation. For strong, constant spend, points add up without losing value to a limit. The Citibanamex branch network simplifies resolving questions in person.
My recommendation
BBVA client with payroll and domestic travel: BBVA Azul. High spread spend and preference for catalog: Banamex Forever.
How we compare these two
The figures in the table — CAT, amount, term — come from each institution’s public rate sheet, not from us, and the commercial relationship never changes them. The «cheaper» verdict weighs the total cost for a standard profile; your own CAT depends on your Buró and income, so treat the numbers as a starting point and confirm the final terms on the lender’s site before signing. The order of offers across the site follows our published methodology.