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Rappi Card review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Rappi Card suits Mexican shoppers who pay participating merchants in instalments and clear the balance each month, with a MXN 0 annual fee. The catch sits in the 101.4% APR, which makes any balance carried past the statement expensive, so treat it as a spending tool rather than a loan.

Key facts

Best for
Fee-free cashback and instalments for Rappi app shoppers who pay in full.
Annual fee
MX$0↗
APR
101.4%↗
Rewards type
Cashback↗
Rewards rate
Up to 5% cashback: 3% on Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top-ups, 1% on all other purchases↗
Perks
Monthly interest-free installments (MSI) at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, Deferred purchases over 500 MXN payable over 3, 6, 9, 12, 15 or 18 months at a preferential rate, Free credit report, 24/7 personal advisor support, Pay utilities in one tap from the app, Choose your own payment date, Visa card accepted worldwide↗
Card kind
Credit↗
Legal entity
RappiPay Compania de Financiamiento S.A↗
Headquarters
Colombia↗
Support channels
Chat, Email↗
Pricing model
No annual fee
Features
Rewards
Official website
rappi.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInXinstagram.com

Pros and cons

Pros

  • Costs nothing to hold, with an annual fee of MXN 0 on a no annual fee card.
  • Monthly interest-free instalments at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool, plus deferred purchases at a preferential rate.
  • Cashback on everyday categories with a richer rate on Rappi Travel, and utilities payable in one tap from the app.

Cons

  • Borrowing is pricey at 101.4%, where comparable credit cards run at 16%.
  • Support runs on chat and email only.
  • Rewards are cashback and weighted to a short list of categories, so most spending earns the lower rate.
Rappi Card

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Rappi users who already buy delivery, groceries and travel through the app and want those purchases to earn cashback.
  • Shoppers who pay participating Mexican merchants in instalments and settle the balance before the rate bites.
  • People who want no annual charge and a payment date they choose themselves.

Who should look elsewhere

  • People who plan to carry a balance month to month, and bunq suits them better with an annual fee of €0.
  • Readers who want a secured card rather than a rewards card, such as Varo Believe Secured Credit Card, annual fee $0.
  • Travellers who want a card tied to a multi-currency account, where Wise charges an annual fee of £0 for its card.

Safety of your money

Rappi Card is a credit card, so anything left on the balance is borrowing rather than money held for you, and the cashback is a spending perk rather than a return on savings. RappiPay Compania de Financiamiento S.A is licensed in Colombia by the Superintendencia Financiera de Colombia, and the card is offered in Mexico under Banco de Mexico (Banxico).

Who runs it

The card comes from RappiPay Compania de Financiamiento S.A, headquartered in Colombia, and everyday tasks sit inside the Rappi app. Support runs on chat and email, with round the clock personal advisor help on top. A credit report comes free with the account, which is useful if the card is a first step towards building a credit history.

How Rappi Card compares

Where Rappi Card is available

Available
Brazil, Chile, Colombia, Mexico
Licence in Mexico
Banco de Mexico (Banxico), checked September 26, 2026
Licence in Colombia
Superintendencia Financiera de Colombia (SFC), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Rappi Card charge an annual fee?+

There is nothing to pay for holding the card, since the annual fee is MXN 0 and the model is no annual fee. The cost that matters is what you pay on money you do not clear, and borrowing at 101.4% makes carrying a balance expensive, so the card only stays cheap if you pay in full.

How do the instalment plans work?+

Monthly interest-free instalments are available at participating merchants such as Amazon, Mercado Libre, Nike, Aeromexico and Liverpool. Larger purchases can be deferred at a preferential rate and spread over a range of terms. Instalments are what make the card affordable, so the 101.4% rate only bites once a plan ends and a balance is left.

What rewards does the card pay?+

Rewards are in the cashback style, paid on everyday spending. The rate is richest on Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top-ups, and lower on everything else, so what you earn from cashback depends on where you spend rather than on how much.

Who is behind the card and is the money protected?+

The card is issued by RappiPay Compania de Financiamiento S.A, licensed in Colombia by the Superintendencia Financiera de Colombia, and it is offered in Mexico under Banco de Mexico (Banxico). Because the card is credit, the balance you carry is borrowing rather than a deposit held for you.

How do I get help with the card?+

Support runs on chat and email, and the card adds round the clock personal advisor help on top of that. Email and chat cover most questions, and paying utilities or shifting your payment date is handled inside the app, which helps when a payment is due at short notice.

Is this a credit card or a debit card?+

It is a credit card, sold as a no annual fee product for people who would rather pay later than spend from a current balance. Spending draws on credit that then has to be settled, and the 101.4% rate applies to whatever is left outstanding.

How does it compare with other cards on cost?+

It ranks 1 of 312 brands on annual fee, with fees of MXN 0. On APR it ranks 134 of 138, and comparable credit cards run at 16%, well below its 101.4%, so the card wins on holding cost and loses on borrowing cost.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Rappi Card

Rappi Card

Fee-free cashback and instalments for Rappi app shoppers who pay in full.

8.8/10See alternatives