BAC Credomatic Guatemala review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
BAC Credomatic Guatemala offers credit cards with points based rewards for everyday spending, alongside debit options for routine household money management. It appeals to shoppers who collect points and travel miles through regular card use and prefer phone support with a help centre for queries.
Key facts
- Best for
- Households wanting points on everyday card spending
- Rewards type
- Points↗
- Rewards rate
- 1 point per dollar; up to 6% on fuel; 5% at supermarkets↗
- Perks
- Points rewards, Travel miles, Fuel discounts, Supermarket cashback↗
- Cashback rate
- 5% to 6%↗
- Card kind
- Credit↗
- Legal entity
- BANCO DE AMERICA CENTRAL, S.A.↗
- Headquarters
- Nicaragua↗
- Founded
- 1952↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Students
- Official website
- baccredomatic.com
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataWikipediaXfacebook.com
Pros
Pros
- Offers credit cards alongside debit options for everyday spending.
- Links routine card use to points based rewards with travel miles.
- Provides phone support with a help centre for card queries.
Who it suits
- Shoppers collecting points on routine purchases
- Travellers valuing miles alongside everyday spending
How BAC Credomatic Guatemala compares
Where BAC Credomatic Guatemala is available
- Available
- Bahamas, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Panama
- Licence in Nicaragua
- SIBOIF, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does BAC Credomatic Guatemala sell?+
BAC Credomatic Guatemala provides credit cards for everyday household spending with points based rewards at the centre. It also provides debit options for routine money management. Cardholders seeking straightforward reward links may find the structure easy to understand.
What rewards are linked to its cards?+
Its cards link routine spending to points based rewards for regular use. Travel miles form a further strand for cardholders who journey often. Shoppers can weigh which reward path reflects everyday purchase patterns before choosing a card.
Who might consider its cards?+
Households that use cards for most routine purchases may consider the range. Travellers who value miles alongside points may also see a connection. Shoppers should review habits, support needs and reward preferences before deciding.
Which company operates BAC Credomatic Guatemala?+
BAC Credomatic Guatemala is operated by BANCO DE AMERICA CENTRAL, S.A.. (Source, checked September 26, 2026)
Where is BAC Credomatic Guatemala based?+
BAC Credomatic Guatemala is based in Nicaragua. (Source, checked September 26, 2026)
When was BAC Credomatic Guatemala founded?+
BAC Credomatic Guatemala was founded in 1952. (Source, checked September 26, 2026)
How can I contact BAC Credomatic Guatemala support?+
BAC Credomatic Guatemala offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- ayuda.baccredomatic.com/tarjetas-de-credito checked September 26, 2026
Backs: Support channels
“Help center and customer service support”
- en.wikipedia.org/wiki/BAC_Credomatic checked September 26, 2026
Backs: Founded
“BAC Credomatic was founded in Managua, Nicaragua in 1952”
- baccredomatic.com/es-ni checked September 26, 2026
Backs: Audience
“Juvenil BAC Clásica”
- baccredomatic.com/es-ni/personas/tarjetas checked September 26, 2026
Backs: Card kind, Cashback rate, Features, Headquarters, Pricing model, Perks, Rewards rate, Rewards type
“La Colonia Mastercard: 5% discount; GasCard VISA: up to 6% on fuel”
- baccredomatic.com/es-ni/personas/tarjetas/debito/bac-debi... checked September 26, 2026
Backs: Card type, Card network
“Tarjeta BAC Débito MasterCard Internacional”
- siboif.gob.ni/instituciones/banco-de-america-central-sa checked September 26, 2026
Backs: Legal entity, Licences
“BANCO DE AMERICA CENTRAL, S.A.”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee.