RappiCard vs Hey Banco: no annual fee
| RappiCard (Banorte) | Hey Banco | |
|---|---|---|
| APR (CAT) | 68% | 60% |
| Amount | $5k–$100k | $5k–$100k |
| Interest-free days | 50 días | 50 días |
| What sets it apart | 5% cashback at Rappi, interest-free months at Rappi merchants, high initial limit | Hey integration, lower APR, polished app for general use |
When to pick RappiCard (Banorte)
RappiCard wins if Rappi is part of your weekly routine (delivery, errands, travel). 5% cashback on 6,000-10,000 pesos monthly at Rappi returns 300-500 pesos. The 8 extra APR points easily offset with that cashback.
When to pick Hey Banco
Hey wins for general use without Rappi focus. Lower APR, integration with Hey account if you have one, one of the most polished apps in the Mexican digital market. For spread spend without dominant category, the more efficient option.
My recommendation
Active Rappi user: RappiCard hands down. General use: Hey for low APR.
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 RappiCard (Banorte) or Hey Banco before deciding.