Best credit cards for Rappi users in Colombia
By Sofía Vargas (Editor-in-chief) · Reviewed by Sofía Vargas (Editor-in-chief) · Published · Reviewed
Also available in es-CO on Colombia.
Rappi is one of the most-used digital ecosystems in Colombia, and its financial products (RappiCard, RappiPay) offer the best benefits for frequent app users. This guide reviews the options that maximize savings and convenience inside the Rappi ecosystem.
Direct answer
For rappi — colombia, the strongest pick today is RappiCard, according to the BestCardIn editorial review.
Quick answers
- How much cashback does RappiCard offer?
- 3% on Rappi purchases, 1% on external purchases, with no monthly cap. The cashback is credited as in-app credit on the Rappi app at the end of the period.
- What is the difference between RappiCard and RappiPay?
- RappiCard is a credit card (revolving line, reports to Datacrédito); RappiPay is a digital account (own balance, does not report credit history). They can be combined to optimize spend in the ecosystem.
- Does RappiCard have a maintenance fee?
- No. RappiCard maintains a permanent zero maintenance fee. It does charge interest on financing (annual effective rate between 25% and 30%) and a fee on cash advances.
- Does RappiCard work outside of Rappi?
- Yes. It is a standard Mastercard accepted at any merchant that accepts Mastercard. The 1% cashback on external purchases applies to use outside the Rappi ecosystem.
Selected cards
RappiCard
RappiPay
Annual fee: No annual fee · Cashback: 3.00%
Rappi's co-branded credit card: zero maintenance fee, 3% cashback on Rappi purchases and 1% on external purchases. Unbeatable for frequent app users.
RappiPay Cuenta
RappiPay
Annual fee: No annual fee
Digital account in the Rappi ecosystem with shopping and delivery benefits; ideal as a secondary account for Rappi spend.
Nu Tarjeta de Crédito
Nu Colombia
Annual fee: No annual fee
If you don't want to commit to a co-branded product, Nu offers zero maintenance fee and 1% on any purchase including Rappi.
Davivienda Mastercard Black
Davivienda
Annual fee: COP 1500000.00
For premium users who want to combine Rappi with travel benefits; Davivienda points program redeemable in airlines and merchants.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | RappiCard | RappiPay | No annual fee | 3.00% |
| 2 | RappiPay Cuenta | RappiPay | No annual fee | - |
| 3 | Nu Tarjeta de Crédito | Nu Colombia | No annual fee | - |
| 4 | Davivienda Mastercard Black | Davivienda | COP 1500000.00 | - |
RappiCard is the obvious option for users who spend more than 300,000 COP a month on Rappi. The 3% cashback accrues with no monthly cap and is automatically credited as in-app credit, reducing the effective cost of your orders. The additional 1% on external purchases makes net returns positive almost always.
RappiPay is the complementary digital account: it lets you pay on Rappi without having to allocate a credit line and usually offers exclusive promotions in Rappi categories (Rappi Restaurants, Rappi Mercado, RappiTravel).
If your Rappi spend is low (under 100,000 COP per month), a co-branded product isn't justified: a no-fee card like Nu Colombia gives the same 1% cashback on any purchase and has better benefits for general spend.
FAQ
How much cashback does RappiCard offer?
3% on Rappi purchases, 1% on external purchases, with no monthly cap. The cashback is credited as in-app credit on the Rappi app at the end of the period.
What is the difference between RappiCard and RappiPay?
RappiCard is a credit card (revolving line, reports to Datacrédito); RappiPay is a digital account (own balance, does not report credit history). They can be combined to optimize spend in the ecosystem.
Does RappiCard have a maintenance fee?
No. RappiCard maintains a permanent zero maintenance fee. It does charge interest on financing (annual effective rate between 25% and 30%) and a fee on cash advances.
Does RappiCard work outside of Rappi?
Yes. It is a standard Mastercard accepted at any merchant that accepts Mastercard. The 1% cashback on external purchases applies to use outside the Rappi ecosystem.
Methodology
We compared effective cashback on Rappi and external purchases, integrations with the Rappi app (automatic crediting, redemption inside the ecosystem) and cost policies. We excluded traditional cards that don't offer differentiated Rappi benefits.
Conclusion
For frequent Rappi users, RappiCard is the obligatory choice thanks to structural cashback and native integration. RappiPay complements for Rappi payments without a credit line. If your Rappi spend is occasional, a general no-fee card like Nu Colombia performs equally well with less concentration in a single ecosystem.