Hey vs Stori: no-annual-fee card for different profiles
| Hey Banco | Stori | |
|---|---|---|
| APR (CAT) | 60% | 95% |
| Amount | $5k–$100k | $2k–$30k |
| Interest-free days | 50 días | 50 días |
| What sets it apart | Banco Regio's digital arm, integration with Hey account, polished app | Approves empty or thin bureau; entry card |
When to pick Hey Banco
Hey wins on a client with clean bureau and preference for integrated digital banking. APR 35 points lower than Stori, higher initial limit (5-15K), polished app. Requires prior Hey account or direct application with strict scoring.
When to pick Stori
Stori wins on empty or incident bureau. Very open approval where Hey doesn't reach. Initial limit low but grows with discipline. To build history from zero, a real option.
My recommendation
Hey account or clean bureau: Hey for low APR and app. Empty or rebuilding bureau: Stori for approval.
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 Hey Banco or Stori before deciding.