Best no maintenance fee credit cards in Colombia
By Sofía Vargas (Editor-in-chief) · Reviewed by Sofía Vargas (Editor-in-chief) · Published · Reviewed
Also available in es-CO on Colombia.
"No maintenance fee" cards in Colombia were a hard promise to keep until a few years ago: most products charged between $20,000 and $40,000 COP a month just to keep the card active. The arrival of Nu, RappiCard and the digital products from traditional banks (Cero Rollo from Banco de Bogotá, Amex Libre from Bancolombia) changed the rules. This guide reviews the four strongest options in 2026.
Direct answer
For no fee — colombia, the strongest pick today is Nu Tarjeta de Crédito, according to the BestCardIn editorial review.
Quick answers
- Do no maintenance fee cards in Colombia have hidden costs?
- All four options publish every cost in the app and in the contract. They do charge interest on revolving balances (effective annual rate between 25% and 30%) and a cash advance fee. But the monthly maintenance fee is genuinely zero.
- Are Colombian fintechs supervised?
- Nu operates in Colombia under the Superintendencia Financiera (through Nu Colombia Compañía de Financiamiento). RappiCard operates with backing from Banco Davivienda. Digital accounts have Fogafin coverage up to the corresponding amounts.
- Can I apply for several no-fee cards at the same time?
- Yes. The best strategy is to space out applications (one every 3-6 months) to avoid impacting your Datacrédito score from too many inquiries in a short period.
- Do these cards report to Datacrédito?
- Yes, all four report monthly to Datacrédito and CIFIN. They build credit history at the same level as any traditional banking product.
Selected cards
Nu Tarjeta de Crédito
Nu Colombia
Annual fee: No annual fee
Permanent zero maintenance fee, fully digital approval and an app considered the best in the Colombian fintech segment.
RappiCard
RappiPay
Annual fee: No annual fee · Cashback: 3.00%
No maintenance fee plus 3% cashback on Rappi purchases and 1% on external purchases; the best zero cost + cashback combination.
Bancolombia Amex Libre
Bancolombia
Annual fee: No annual fee
Amex product from Bancolombia with no maintenance fee, Membership Rewards benefits and native integration with the Bancolombia account.
Banco de Bogotá Cero Rollo
Banco de Bogotá
Annual fee: No annual fee
Banco de Bogotá's digital card with no maintenance fee, aimed at users who value the solidity of a traditional bank.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | Nu Tarjeta de Crédito | Nu Colombia | No annual fee | - |
| 2 | RappiCard | RappiPay | No annual fee | 3.00% |
| 3 | Bancolombia Amex Libre | Bancolombia | No annual fee | - |
| 4 | Banco de Bogotá Cero Rollo | Banco de Bogotá | No annual fee | - |
The big change in Colombia is that "no maintenance fee" no longer implies artificial limits: the four options in this ranking eliminate the fee permanently, without conditioning it on minimum spend or temporary promotions. This is exceptional in the historical Colombian context.
If your main goal is to build credit history at no cost, Nu Tarjeta de Crédito is the standard entry point: digital approval, without strict income proof requirements and monthly reporting to Datacrédito and CIFIN.
If you already use Rappi frequently, RappiCard far outperforms Nu thanks to its structural cashback; the 3% on Rappi accumulates with no monthly cap and is automatically credited as platform credit.
FAQ
Do no maintenance fee cards in Colombia have hidden costs?
All four options publish every cost in the app and in the contract. They do charge interest on revolving balances (effective annual rate between 25% and 30%) and a cash advance fee. But the monthly maintenance fee is genuinely zero.
Are Colombian fintechs supervised?
Nu operates in Colombia under the Superintendencia Financiera (through Nu Colombia Compañía de Financiamiento). RappiCard operates with backing from Banco Davivienda. Digital accounts have Fogafin coverage up to the corresponding amounts.
Can I apply for several no-fee cards at the same time?
Yes. The best strategy is to space out applications (one every 3-6 months) to avoid impacting your Datacrédito score from too many inquiries in a short period.
Do these cards report to Datacrédito?
Yes, all four report monthly to Datacrédito and CIFIN. They build credit history at the same level as any traditional banking product.
Methodology
For this selection we reviewed the terms and conditions published by each issuer, validated the absence of any hidden fee conditioned on spend and verified regulatory reporting to the Superfinanciera. We only include products with national origination and at least six months in the market.
Conclusion
To build credit history at no cost, Nu Tarjeta de Crédito is the best entry option in Colombia. For Rappi users, RappiCard is unbeatable thanks to its structural cashback. Bancolombia Amex Libre is ideal if you already have a Bancolombia relationship and value Amex Membership Rewards. Banco de Bogotá Cero Rollo wins for users who prefer traditional banking with no maintenance fee.