Nu vs Vexi: no-annual-fee credit card
| Nu México | Vexi (Banco Forjadores) | |
|---|---|---|
| APR (CAT) | 55% | 72% |
| Amount | $3k–$60k | $3k–$60k |
| Interest-free days | 55 días | 50 días |
| What sets it apart | Leading UX app, total transparency, cashback variable by promotion | Up to 5% cashback at Amazon, Netflix, Mercado Libre; 12 interest-free months at participating merchants |
When to pick Nu México
Nu wins on a client with clean bureau who pays in full every month. The app is Mexico's most polished, real-time notifications, spend control by category. The 17-point lower APR matters if you ever don't pay in full.
When to pick Vexi (Banco Forjadores)
Vexi wins if your recurring spend includes Amazon Mexico, Netflix and Mercado Libre. The up to 5% cashback on these platforms can add 200-500 pesos monthly that Nu doesn't return. For thin or rebuilding bureau, Vexi approves where Nu rejects.
My recommendation
Pay-in-full client with clean bureau: Nu for the app and low APR. Heavy Amazon/Netflix/Mercado Libre spend or thin bureau: Vexi for cashback and 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 Nu México or Vexi (Banco Forjadores) before deciding.