Clara review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Clara suits businesses that want company cards with no account upkeep and no conversion markup, and the numbers back it: monthly fees of MXN 0 and a currency conversion fee of 0%. Cashback of 1.5% to 2% on daily spend adds to the appeal for finance teams watching overheads.
Key facts
- Best for
- Businesses wanting a free Mastercard debit card with cashback and built-in expense handling.
- Monthly fee
- MX$0↗
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Cashback rate
- 1.5%↗
- Card network
- Mastercard↗
- Legal entity
- CF Tech S.A. de C.V. SOFOM E.N.R.↗
- Headquarters
- Mexico↗
- Founded
- 2021↗
- Support channels
- Email, Chat, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- clara.com
Credit cards
- Annual fee
- MX$0 to MX$5,000↗
- Rewards type
- Cashback↗
- Rewards rate
- 1.5% cashback on daily debit on the free Clara plan, 2% on Clara Pro and Enterprise (Brazil); Clara Pontos rewards also included↗
- Perks
- Mastercard World Elite acceptance on Clara Black and TravelPay, Expense reconciliation in under 5 seconds via WhatsApp or mobile (AI Smart Match), Native ERP integrations (Oracle NetSuite, SAP Concur, QuickBooks), Clara Puntos rewards, exclusive discounts and exclusive cashback, SAT invoice recovery from receipt photos, Return equivalent to 20% CDI on account balance and 110% CDI on Limite Flexible (Brazil), 24/7 support with help centre and digital assistant↗
- Cashback rate
- 1.5% to 2%↗
- Card kind
- Credit↗
- Pricing model
- No annual fee
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of MXN 0 on the free plan keeps day to day costs at nil
- Currency conversion fee of 0% suits teams paying suppliers abroad
- Cashback of 1.5% to 2% on daily debit, plus Clara Puntos rewards
- Reconciliation from receipt photos by WhatsApp or mobile, with native ERP integrations
Cons
- Support runs on email, chat and help centre only, so there is no phone line for urgent queries
- The audience is business, so personal spending gets nothing
- The highest annual fee reaches MXN 0 to MXN 5,000, which lifts the cost of the higher priced cards
Who it suits
- Finance teams paying suppliers in several currencies
- Companies already running NetSuite, SAP Concur or QuickBooks
- Business travellers who want a Mastercard debit card and a virtual card
Who should look elsewhere
- Personal banking users, who are outside the business audience
- Anyone wanting a secured card or credit-building product, closer to Varo Believe Secured Credit Card
- Eurozone residents who need a domestic debit account rather than a travel card, where Wise sits closer
How Clara compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 8.9
8.9 vs 8.6
8.9 vs 9.2
8.9 vs 8.4
8.9 vs 8.5
8.9 vs 8.8
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.3
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.0- 8.9 vs 8.0
Where Clara is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Clara cost to run?+
The monthly fee is MXN 0 on the free plan, and the model runs with no annual fee. Higher priced cards reach an annual fee of MXN 0 to MXN 5,000. Against many business cards, the entry tier carries nothing to pay each month.
How much does Clara charge to convert currency?+
The currency conversion fee is 0%, and Clara ranks 1 among 258 brands on that measure. For a business paying suppliers or staff abroad, that removes the usual conversion drag on company spend.
What rewards does a Clara card pay?+
Rewards are cashback based, paying 1.5% on daily debit on the free plan and more on the paid Pro and Enterprise plans in Brazil. Clara Puntos rewards sit alongside, with discounts and exclusive cashback on top.
What kind of card does Clara issue?+
The card type is a debit card, and the corporate product sits on the credit side of the market. Virtual cards and travel features are both available, on a mastercard network.
Who can open a Clara account?+
Clara is built for a business audience, and the entity behind it is registered in Mexico. Companies can also earn a return on the balance, with a higher return on Limite Flexible in Brazil.
How does Clara handle receipts and expenses?+
Receipt photos feed automated matching, and expense reconciliation is handled through WhatsApp or the mobile app. There are native integrations with Oracle NetSuite, SAP Concur and QuickBooks, and invoices can be recovered through the tax authority process from receipt photos.
How do you get help from Clara?+
Support is available by email, chat and a help centre, with a digital assistant and round the clock cover. QuickBooks and NetSuite users can also rely on the in app tooling for reconciliation.
When was Clara founded and where is it based?+
Clara was founded in 2021 and is headquartered in Mexico. It is a Latin American spend management business focused on company cards.
Sources
- techcrunch.com/2023/04/26/spend-management-clara-fintech-... checked September 26, 2026
Backs: Founded
“Clara, a Mexico-based spend management company, closed on $60 million in equity in a round led by GGV Capital. The company launched its product in 2021”
- clara.com checked September 26, 2026
Backs: Features
“Clara Virtual: Issue unlimited virtual cards instantly... Clara TravelPay: Virtual cards and tracking for all travel-related payments”
- clara.com/es-mx/legal/aviso-de-privacidad checked September 26, 2026
Backs: Headquarters, Legal entity
- clara.com/legal/politica-de-privacidade checked September 26, 2026
Backs: Audience
- clara.com/pricing checked September 26, 2026
Backs: Cashback rate, Cashback rate, Currency conversion fee, Pricing model, Monthly fee, Perks, Rewards rate, Rewards type, Support channels
“Cashback no debito diario 1,5% 2% 2%”
- clara.com/products/corporate-card checked September 26, 2026
Backs: Annual fee, Card kind, Card type, Card network
“Clara White: Equip your entire workforce with physical Mastercard cards for secure, real-time spending at zero annual cost; Clara Black: A transparent $5,000 MXN annual fee for the region's most...”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Clara
Businesses wanting a free Mastercard debit card with cashback and built-in expense handling.