2026-06-11
BBVA vs Banorte: traditional-bank credit card
| BBVA México | Banorte | |
|---|---|---|
| CAT (Costo Anual Total — Mexico's all-in annual cost figure) | 60% | 65% |
| Credit line | $5k–$120k | $5k–$100k |
| Interest-free days | 50 days | 50 days |
| 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.