BBVA vs Banorte: traditional-bank credit card
| BBVA México | Banorte | |
|---|---|---|
| APR (CAT) | 60% | 65% |
| Amount | $5k–$120k | $5k–$100k |
| Interest-free days | 50 días | 50 días |
| What sets it apart | Variable cashback by category, strong app, aggressive promotions | Recompensa Total points program: redeem for gasoline, travel, electronics |
When to pick BBVA México
If you pay the balance in full every month, BBVA is 5 points cheaper for the months you slip. The rotating cashback (2-5% on the quarter's category) adds up faster than points once you know what's on offer.
When to pick Banorte
If you like stacking points for one big yearly redemption (a plane ticket, a tank of gas, a Christmas gift), Banorte leaves a better taste. Recompensa Total has a broad catalog and clear rules. The higher CAT only bites if you carry a balance.
My recommendation
Disciplined payer: BBVA, for the real cashback. Points collector aiming at one big yearly redemption: Banorte.
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.
Read the full editorial review of BBVA México or Banorte before deciding.