2026-08-06
Santander Free vs BBVA Azul: credit card comparison
| Santander Free | BBVA Azul | |
|---|---|---|
| APR (CAT) | Not verified | Not verified |
| Amount | $5k–$80k | $5k–$150k |
| Interest-free days | 50 días | 50 días |
| What sets it apart | No annual fee if you spend 3,000+ monthly; 1-3% cashback in select categories | Annual fee 590 pesos; BBVA points with good conversion to travel |
When to pick Santander Free
Santander Free wins if you spend 3,000+ pesos every month with the card and prefer cash direct to balance. For medium users without BBVA payroll, a competitive option.
When to pick BBVA Azul
The 590-peso annual fee amortizes with intensive use and a bonus domestic round-trip flight. For BBVA payroll, smooth integration.
My recommendation
Medium spend without BBVA payroll: Santander Free for zero annual fee.
How we compare these two
Amounts, terms and requirements reflect the catalog reviewed on the date shown. We publish APR only when it is tied to a current product source; “Not verified” means you should request it from the institution. Confirm fees and total repayment in the final contract. Commercial agreements and ordering are explained in our published methodology.