2026-06-11
Nu vs Hey Banco: which no-annual-fee credit card?
| Nu México | Hey Banco | |
|---|---|---|
| CAT (Costo Anual Total — Mexico's all-in annual cost figure) | 55% | 58% |
| Credit limit | $3k–$60k MXN | $4k–$80k MXN |
| Interest-free days | 55 days | 45 days |
| What sets it apart | No annual fee, ever; modern app; full control from your phone | No annual fee plus 2% cashback at restaurants and supermarkets |
When to pick Nu México
Nu wins if you always pay the full balance or want to train yourself to use a card "clean." The 55-day grace period gives you more breathing room between purchase and statement cutoff, and the per-category spending limits in the app help curb impulse buys. The starting credit line is modest (3,000–15,000 pesos) but climbs quickly with good behavior.
When to pick Hey Banco
Hey Banco wins if you spend regularly on groceries and eating out: the 2% cashback lands directly as account credit with no clear monthly cap. The starting credit line tends to be higher than Nu's, and customer service, since Hey is part of Banorte, is more stable.
My recommendation
Strict full-balance payer: Nu. Someone who occasionally carries a balance but spends real money on groceries and restaurants: Hey.