RappiPay review

The annual fee is MXN 0 and the monthly fee is COP 0, so the card costs nothing to keep open. The charges to watch sit elsewhere: currency conversion at 2% and revolving borrowing at 101.4%.

The annual percentage rate is 101.4%, well above the site median of 15.5%. Borrowing suits a planned purchase that you clear on the agreed date; carrying a balance from month to month is the expensive part of this card.

Currency conversion costs 2%, above the site median of 1% and ranked 165 of 258 on conversion. Paying in the local currency where you are avoids the charge, so the card suits spending more than travelling.

Rewards come as cashback (cashback) rather than points, at a higher rate on Rappi Travel, restaurants, pharmacies, supermarkets, gift cards and mobile top-ups. Everything else earns at a lower rate, up to the stated ceiling.

Monthly interest-free instalments run at participating merchants, and larger purchases can be deferred and repaid over a set number of months at a preferential rate (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 and Free credit report). The instalment route suits bigger-ticket items rather than everyday shopping.

Utilities can be paid straight from the app, and you set the payment date that suits you (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 and Free credit report). The card runs on the Visa network (visa) and is accepted worldwide, so it works for daily spending as well as travel.

Support runs on chat and email only, and a personal advisor is available around the clock for anything the app cannot answer. Most card questions, from payment dates to fee queries, can be sorted that way.

RappiPay is run by RappiPay Colombia, founded in 2018 and headquartered in Colombia (CO). The card's published tariffs are quoted in Mexican pesos and Colombian pesos, so the account is built around those markets.