Tarjeta de Crédito Descubre Banamex
MX$1,427 annual fee · 0.055x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 0.055x | uncapped |
See more Mexico credit cards →
Non-cash perks
- Points/Premia redeemable for cash at ATM
- 18-month points expiry
- Banamex (formerly Citibanamex) travel & catalog redemptions
Does the fee earn out? · how we got this
The MX$1,427 fee minus MX$0 in printed credits leaves MX$1,427/yr to earn back through rewards — roughly MX$259,419 of spending at the base rate (valuing Puntos Premia at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Spending outside its bonus categories. Everything else earns 0.055x, worth about 0.6¢ per dollar at our value for Puntos Premia — less than the 1¢ a plain cash-back card pays on the same dollar. This card only wins where its bonus categories do.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.banamex.com · www.banamex.com. Spot an error? Tell us.