The Best Credit Cards for 2026

[00:02] different credit cards, and this is where the question usually arises: which is the best credit card? Therefore, in this video we selected the best credit cards for six different categories designed for different types

[00:15] of people. To do this, we delved deep into each card to understand what they really offer, what's worthwhile, and what almost no one explains to you. Keep change over time and according to the policies of each bank or

[00:29] financial institution. So I'm going to leave all the links to all the products in the from the future and want to check the latest information. But before we begin, I have to tell you something very important. A credit card is not

[00:43] extra income, it's a financial responsibility. And all the potential benefits these products have for you will be useless if you misuse them and go into debt paying high [music] interest rates. At the end of the day,

[00:55] all these advantages are paid for either with the annual fee of the card or with the interest charged by people who do not make their payments on time. So if you're going to use a credit card, remember to always pay on time and pay off the entire balance.

[01:07] Never make only the minimum payment, because all the benefits are useless and you end up paying much more in interest. The key will always be to become a " totalero" customer, that is, to pay everything on time so as never to pay interest. Now

[01:20] , here are the timestamps for each category if you want to go directly to the one that interests you most, but I personally recommend watching it all [music] that will surprise you. Without further ado, let's move on to the first category,

[01:33] cards without a credit history. This category is for people with no credit history. They are usually young people in their first job or with variable income. Cards in this category usually require few

[01:45] documents and offer almost guaranteed approval. And here, for us, the best option is the Bexi American Express Comienzos card. This is an annual fee for life, [music] typically intended for young,

[01:59] digital users. Among its benefits are no annual fee and no inactivity charges. It has a 99% approval rating according to its website. It has some insurance options such as travel accident protection and secure purchase and interest-free installments,

[02:12] but only at participating American Express establishments. like Amazon, Mercadolibre, Sam, Soriana, Superbuletos, Walmart, Escarette, among Now, this card also has a referral benefit of 3% cashback

[02:27] on purchases made by your referrals at participating stores for 12 months and with no amount limit. The latter sounds incredible, but it's not a benefit for use, it's more of a benefit for work,

[02:39] literally returning your vendor to you, and it's really a bonus. So, I wouldn't have to mention it. Another important thing is that if you go to the website directly, you'll see other benefits like up to 5% cashback, but that won't

[02:53] be available to you at the start. American Express's Bexi uses a tiered system. You can see these levels on screen right now, and as you progress you will unlock better conditions, but

[03:05] don't expect any of these benefits at the beginning . The up to 5% cashback on eligible purchases such as Netflix, Amazon, Spotify or others only applies to the advanced [music] and champion levels. And if you're just starting out, you'd be at the

[03:18] beginner level. That's why these videos are so important, so you really know what you're getting and don't just get carried away by advertising with lots of product's drawbacks, we have that it has a very high interest rate of 75% per

[03:32] year with an average CAT of 95% per year for beginners. These rates go down as you level up, but since we don't plan on paying interest, it doesn't really matter much. Another thing is that it has an

[03:45] opening fee that starts at 490 at the beginning level, zero to 350. And also the initial limit of the card is low, a maximum of 5,500, but that can increase when you demonstrate a good credit

[03:59] history. The requirements to obtain it are being over 18 years old, residing in Mexico, having your INE (National Electoral Institute ID), an RFC (Federal Taxpayer Registry), and it does not require proof of this category there aren't many options with benefits, and we chose this

[04:13] real growth plan and is part of the American Express network. In also have the Story Green card, which has a 99% approval rate and a

[04:25] chance to a higher line of credit of up to 20,000 pesos. And it also doesn't have an annual fee. But if they absolutely do not accept you or offer you any credit card, I definitely recommend starting with a

[04:37] secured credit card. This is a type of card where you make a deposit, let's say 5,000 Mexican pesos, and that deposit becomes your line of credit; that is, they lend you your own money as credit. It sounds a bit strange, but

[04:50] demonstrate trustworthiness to financial institutions and to build or repair your credit history. With this product, the graduate, [music] that is, to get a

[05:02] regular credit card. Here we recommend several options such as the Clar with guarantee or the Nu with guarantee, which at least make your deposit generate some specific case of Clar, they give you a 3-month grace period for good use before

[05:16] giving you a card. Just remember that these guaranteed products are mostly for practice, so you're not really going to get many benefits; they're just for getting started and building your track record. Without further ado, we move on to the second

[05:29] category: credit cards with no annual fee and that are affordable. An banking institutions make on some credit cards annually just for having the card. Now, if we were to pay an annuity, the

[05:43] idea is that [music] for us in theory, the cost of the annuity would be could obtain. However, when we are starting out in the world of credit, what we want at the beginning is not to spend or not to spend much. even though this

[05:56] symbolizes not having as many benefits. So for this category we has no costs of any kind, neither opening nor registration fees. So if you want the best functional, accessible, and cost-free card,

[06:09] the N card is undoubtedly the best option. Its benefits, while not numerous, include no physical card, no minimum usage penalties replacement fees if your card is lost or stolen, and interest-free installments at

[06:22] many participating businesses, ranging from 3 to 24 months. The great app it on the market and believe me, it's appreciated when you're dealing with very bad can get it very quickly and very easily, and the benefits of the Mastercard network,

[06:36] Cinépolis. On the other hand, the product's drawbacks include the following. First, it does not offer cashback or its own promotions. It has a CAT of or its own promotions. It has a CAT of 142% and an interest rate of 90% which

[06:48] is extremely expensive. So if you don't plan to pay on time, don't even bother getting involved, please. And other normal things like charging mind that almost all credit cards usually have these types of

[07:03] fees. Overall, it's a simple, transparent, and very inexpensive card controlled spending and building a credit history, but not for financing long-term debt or obtaining any kind of direct rewards.

[07:16] be of legal age, have a voter ID and proof of address, and they will also ask for permission to check your credit history. We put this one here because of its great accessibility. However, other very good cards are

[07:28] the Van Regio [music] credit cards , as none of them have card categories, and they offer benefits that may vary depending on the card, such as cashback reward schemes [music] and

[07:40] referrals, flexible payment dates, and much more. However, it these cards they usually require a minimum income that can range from 10,000 to 35,000 per month, in addition to some prior experience

[07:54] managing credit lines. However, these cards are really good, and that's why I'm going to tell you more about them in the next category, which is credit cards with cashback. Here we are referring to

[08:06] credit cards that give you money back or provide benefits for spending money. And for me, this is one of the benefits I like the most. In this category, without a doubt , the best one for us is the Vanregio card. Vanregio has many

[08:20] referring to the Vanregio card. That is its name as such and among its benefits are the following. First, 2% cashback on online purchases , 1% in physical stores plus 1% for purchases made by your referrals

[08:34] for one year. Back to the topic, referrals aren't so much of a benefit, but I'll mention them anyway. And unlike other cards with very small limits, this card has a monthly cashback limit of 6000 pesos per month. It's

[08:46] absolutely insane, really. Even on the business card, the cashback can be up to 30,000 per month, although obviously a smaller percentage, but it's still quite a lot. Another benefit is that it doesn't require a minimum monthly expense, there

[08:58] like your rate improves and you pay on interest like me, then it doesn't matter much either. As a final benefit, you can also transfer your debts from other cards to your Van Regio card, defer payments for up to

[09:10] 24 months, and enjoy a 25% discount on your current interest rate . Again, hopefully we'll never have to use those points, but it's good to be honest, there aren't many downsides to the product. It's a really good product.

[09:24] If anything, I would include the CAT, the total annual cost which is 44% and the annual interest rate, which is 37%, which can decrease as you demonstrate good irrelevant if you pay on time. I'm being super honest, I didn't know her and I

[09:38] actually liked her quite a lot. The requirements to process it are being of legal age, a natural person, having your INE, proof of address, a credit application and now yes a minimum income of 10,000 Mexican pesos per month. It's not

[09:51] attractive offer. And in this category we also have some honorable mentions. Banamex card with [music] very high cashback percentages on certain expenses and 1% on all your purchases. The downside of that card is that the cashback can only be

[10:06] a CCO membership. In other words, if you're a Costco customer, then it's great, it'll be very useful, but since I know that not everyone goes however, it's also a good card. There's also HCBC [music]

[10:20] Tunau, Santander IQ and Platacard. They're very famous, but for me, compared to the Van Regio, they really fall short. The HCVC Tuno offers 2% on all your purchases, but with a limit of 850 pesos per month and you have to buy 3,500 pesos per

[10:35] month or you will be charged a commission. The LQU card has good cashback percentages, but only in certain categories, and you have to keep in mind that Santander debit card or they won't deposit the cashback. In addition, there is

[10:47] a limit of 10,000 pesos per year, which is approximately 833 pesos per month, and month or they will charge you. So if you forget, then [music] will cost you more. And finally, the Plata card, which has a lot of marketing, but to

[11:01] cashback categories every month, so you might not always use them completely. The super not always use them completely. The super cashback of 15% is on very very very selected items [music] and has a limit of 1000 pesos per month. The latter is good,

[11:14] and although it also has 0.5% cashback on all your purchases, if you want this cashback to become 1% on all your purchases, you have to pay extra and it costs more. So it's a little more complex.

[11:26] mentioned are still good cards. I'm telling you about them for a reason we analyzed and that I don't even mention because it's pointless, but yes, for us the Banio is the best, without a doubt. Without further ado, let's move on to the next

[11:40] category. Credit cards with interest-free installments. If you're extra fees, interest-free installments are definitely the category for you. However, remember that they are not free money and that they only work if you

[11:55] use them responsibly and without going into debt. Within this category, the American Express Gold Elite. [music] Among its benefits are 3 months interest-free on all purchases you make in national currency over 2,400es.

[12:09] automatic, meaning that if it's a purchase of 6,000 pesos, during the next three billing cycles, you would only pay 2,000 per month without generating any are also 3 to 12 months

[12:23] membership rewards program to accumulate points [music] redeemable for balance payments and other things. Being an American Express cardholder, it also includes warranties on eligible items, plus special benefits

[12:38] like Walmart, such as 150 pesos cashback when spending 1500 pesos a month, or a free drink at Starbucks when you spend more than 120 pesos. , first of all, that the annual cost from the

[12:53] second year onwards is high, it is 1,700 pesos, although you can defer it to 3 months, the first year is free. Second, the CAT, which is 94% without VAT and an interest rate of 62%, which is high. Again, I 'll say it again, if you pay on time this does

[13:07] n't matter, but I always tell you so you know how much it really costs you to be irresponsible. And the last drawback is that there aren't really many extra benefits like cashback. It's mainly for using the

[13:19] process it are being of legal age, being a natural person, having an INE (National Electoral Institute ID), proof of address, a credit application, a good credit history and a minimum income of 15,000 Mexican pesos per month. Also receiving honorable mentions is

[13:32] HCBC Air, which is the same concept, has a lower annual fee of 915 pesos and also offers 3 months of automatic interest-free financing on any purchase. from any store, but only above 3,000 euros. It's not

[13:46] bad, it's really very similar, but it requires a minimum income of 25,000 pesos per month. It has its advantages, but I prefer American Express because you Express ecosystem; however, the reality is that they are almost identical. But if you're

[13:59] not looking to finance purchases, but rather other types of benefits, let's move on to the fifth category, which are travel credit cards. Here we are talking about cards whose benefits are focused on traveling more or having

[14:12] a lot of cards here, so please sit down. We divided it into two: travel cards for any airline and cards for specific airlines. For travel on any airline, Banx is the best

[14:25] . Discover, explore, or conquer. [music] These cards are really annual fee, the destinations for 2s for a trip, and the minimum income required. The initial and most accessible one is the Manamex Discover, and that's why it's in first

[14:40] benefits are the following. First, trips to domestic beaches with a 2 for one certificate on airline tickets. These are only for 10 beaches in Mexico and you can get it as a welcome bonus during the first

[14:53] 3 months by spending 10,000 with your [music] card and then you can get this same benefit every year by accumulating 4,500 points. In this Banamex land, one point is equivalent to So you have to spend about 81,000

[15:06] a year. Other benefits include Mastercard network insurance, free and unlimited access to the Lead Launch Mastercard located in Terminal Mexico City International Airport. This one, to be honest, is offered by several

[15:18] cards, but since it only works if you actually leave Mexico City, I'm not going to use it And it also has some months interest-free from the Banamex network. following drawbacks. First, a massive 1,230 annuity. Second, it only has

[15:33] really [music] very basic. And third, the CAT, which is a massive 87% and the interest rate of 61%. The requirements to process it are being proof of address, credit application and a minimum income of 7,500

[15:50] Quite accessible, actually. Now, the other Banamex cards like are upgrades of the same card. For example, Banamex Explora requires a monthly income of 30,000 pesos. It has an annual fee of 2,725 pesos,

[16:05] but in return you have more destinations available, including the United States. Billont lounges and four access passes to the Mastercard Airport international lounges. Here your equivalence is 1.15 points for every dollar spent, but they require you to

[16:19] collect 10,000 points to access this benefit starting in the second year. That is , spending more than 156,000 pesos a year to get the 2 for one tickets. I if you actually travel to the United States . The Banamex Conquista is an

[16:33] upgrade of that card and requires a minimum monthly income of 1,000, but also includes trips to Europe. And there's another card called Banamex Beyond, just want you to understand that this system is very good, and if you have more

[16:46] income, you can really have more benefits. But if you're in this price range, I Lava Norte Infinite, which is very good. Then, if there are enough comments, we'll make a video exclusively about premium cards . Now let's talk about

[16:59] airline cards. As a side note, airline cards only offer benefits for that particular airline. So, here it really does depend a lot on where you are geographically in Mexico, because for example, where I am

[17:11] , in Monterrey, you fly more with Vivo Aerobús and Aeroméxico and hardly at all with Volaris, because naturally there are fewer routes from that company. So, make sure travel to . And to be

[17:25] benefits come included with the airline, such as checked baggage or airline tickets. So, always keep that in mind. And the For example, Volaris Inbex has three categories. HCBC Viva has two

[17:40] categories and Aeromexico has one with Amex and one with Santander. Let's start with Bolaris. Paraoraris, the inbex cer is excellent because of the benefit of checked baggage up to 25 kg in all fares, plus one personal item, plus one

[17:54] carry-on. It also offers 3, 6 and 11 months interest-free when buying on Volaris and minimum purchase. It also has a Volaris wallet that has rewards to the real savings are in baggage. If you travel with

[18:09] Volaris, it's very good. This card also has a premium version, the Volaris [music] Invex 2.0, and the year (the first year is free), is 4,621, which is massive, much more expensive; in fact, they

[18:24] wallet space for Volaris, six access passes up to VIP, bonuses, the same for baggage and more benefits also for good, but again, exclusively for Volaris. It also has a third

[18:37] , but for us it is not so relevant and not flying with Volaris, it really depends on what you value most. For Viva Aerobus there is HCBC Viva and HCBC Viva Plus. Obviously both have the

[18:53] benefits of the HCBC network, but HCBC Viva requires a minimum monthly income of 5,000 and has no effect if you spend more than 3300 per month. It includes one piece of checked baggage per year at no cost, priority boarding, four

[19:07] Mastercard Launch Elite lounges at Mexico City airport, and a Dotters points system to get free flights with several welcome bonuses get free flights at the beginning. Now, HCBC Viva Plus is the

[19:21] premium version. It requires a minimum income of 35,000 pesos per month. There is no annual fee for the first year, but afterwards it is 3124 Mexican pesos. It obviously has more doters points, a better welcome bonus, priority boarding, and unlimited launch key access

[19:35] for every 8,000 you spend with the card. And the best benefit for me: free checked baggage on all your trips. If you travel a lot with pay for itself, plus it has free seat selection all year round.

[19:49] by Viva Eirobús. Again, it depends on your income and how much you're [music] As an extra fact, we did the calculations and although it is too dynamic, you can estimate [music] that each doter point is

[20:02] worth approximately 0.21 Mexican pesos. Finally, at Aeromexico we have the Santander Aeromexico card and the Aeromexico American Express card. but I'm going to focus on the most basic ones. Here there is

[20:16] You can get the Santander card with a minimum monthly income of 7,500 pesos and the American Express card with a minimum monthly income of 15,000 pesos. Santander doesn't have an annual fee, but you do have to spend at least 200 Mexican pesos or they charge an

[20:31] administration fee. And the American Express card costs $160 plus VAT, which is approximately 2,880 pesos annually. As I was saying, each one today I'm only going to focus on the initial ones. The main difference between

[20:45] these two cards lies in the points they give for each dollar spent and in the Santander. But I'll make it simple for you. We did the calculations and estimates and each Aeromexico point is equivalent to approximately 0.18

[20:58] Mexican pesos. Again, it varies greatly, but it's a good estimate, and to save you all the analysis, the result is simple. If you don't spend more or less than $20,000 a year, the American Express annual fee eats up

[21:10] practically all the bonus points you generate. With this information, I think you can now decide which of the two to choose. Now let's move on to the last category, platinum credit cards . These are higher-level cards,

[21:22] and our lesson here is undoubtedly The Platinum Credit Card from American Express. Among its benefits we can find the following. to more than 100,000 airport lounges worldwide. Another benefit is

[21:35] that if you spend more than 90,000 pesos in the first 90 days, starting from the date your you get 6,000 pesos in cashback. Honestly, I don't like to talk about mention them. Another benefit is the automatic 3 months interest-free on purchases

[21:50] starting from 6,000 Mexican pesos. And in foreign currency there is no minimum amount complimentary drink every day at Starbucks when you spend 120 euros with the card and specific cashback at Walmart. You also accumulate

[22:03] you can later exchange for different rewards such as reducing your account balance, online shopping, gift certificates, and more. You also get hotel benefits through the Fiesta Rewards Platinum level agreement

[22:16] American Express cardholder, such as bonuses in case you lose your luggage. Now, on the other hand, we can observe the following. First, it has a very high minimum payment of 3,700 pesos for 3 months, which is deferrable,

[22:29] , it's actually good because you can try it for free and cancel it if you don't like it. Access to VIP lounges is also limited to four people with the Priity Pass and does not include 6,000 peso welcome bonus, require you to spend 90,000. It may not

[22:43] need to think about it very carefully. And we also cannot forget that American Express especially in small stores or outside of large cities. So, it's need two cards. And to be perfectly honest, they're not recommended if

[22:58] you fly very, very often, because there are cards with more lounge access, better insurance, or direct airline benefits . The requirements to apply for this card are being over 18 years old, proof of address no older than 3

[23:10] months, a minimum employment history of 3 months and a minimum monthly income of 30,000. Obviously, your INE (National Electoral Institute) card too. Among the sound-related mentions is the Van Regio Platinum card, as it is the cheapest because it has no cancellation fee and

[23:24] has a cashback of 1.25% capped at 6,000 [music] pesos per month. is on all your purchases. And there's also the Inbursa Platinum. It has a massive 1,320 Mexican pesos, but it also has a good rewards program

[23:38] you can later exchange for cash, airline rewards, hotel discounts, and other things. It also has a discount club, and the best thing for me about this card is that it has the Digital Priority Pass, which gives you unlimited access on

[23:51] international flights to more than 1,700 VIP lounges in airports around the and a companion. It's a great benefit, really. The most important thing about credit cards is not choosing the best one, because as you will notice, there isn't

[24:05] greatly depending on your profile type and lifestyle. However, clear is that you should never, ever get a credit card to try to take advantage of all the benefits if you don't live that lifestyle. The

[24:19] important thing is that you take advantage of the actions you already take in your daily life, [music] not that you change your routine to take advantage of this guide to the best credit cards has been helpful. If you

[24:32] leave a comment. We put a lot of time into this video with the useful. That's all for now. As always, it's been a pleasure serving you, and I'll see you always, it's been a pleasure serving you, and I'll see you in the next video. See you later. Ciao.