Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Colombia in 2026? These are all 15 credit cards in Colombia that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Colombia. It is the set Buzdy has verified data for, from 5 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Colombia
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Bancolombia Visa Signature | Bancolombia | Not published | 26.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 2. BBVA CO Visa Platinum | BBVA Colombia | Not published | 26.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 3. Bogota Visa Platinum | Banco de Bogota | Not published | 26.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 4. Davivienda Visa Signature | Davivienda | Not published | 26.04% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 5. Nu Colombia Card | Nu Colombia | Not published | Not published | Cashback, Digital wallet | View → |
| 6. Bancolombia Visa Gold | Bancolombia | Not published | 26.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 7. BBVA CO Visa Gold | BBVA Colombia | Not published | 26.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 8. Bogota Visa Gold | Banco de Bogota | Not published | 26.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 9. Davivienda Visa Gold | Davivienda | Not published | 26.04% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 10. Nu Colombia Ultravioleta | Nu Colombia | Not published | Not published | Rewards points, Digital wallet | View → |
| 11. Bancolombia MC Classic | Bancolombia | Not published | 26.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 12. BBVA CO Aqua | BBVA Colombia | Not published | 26.04% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. Bogota MC Classic | Banco de Bogota | Not published | 26.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 14. Davivienda MC Classic | Davivienda | Not published | 26.04% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
| 15. Nu Colombia Gold | Nu Colombia | Not published | Not published | Digital wallet | View → |
The 15 Credit Cards in Detail
1. Bancolombia Visa Signature
Bank: Bancolombia
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, comprehensive travel insurance, and highest rewards in Colombia.
2. BBVA CO Visa Platinum
Bank: BBVA Colombia
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
BBVA Colombia Visa Platinum offers minimum $7M COP credit limit, 4 annual VIP airport lounge visits, specialized travel agents, medical protection and accident insurance, BBVA Points with double points on online purchases, and debt deferral up to 36 months via BBVA Net.
3. Bogota Visa Platinum
Bank: Banco de Bogota
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, travel insurance, and enhanced Banco de Bogota rewards.
4. Davivienda Visa Signature
Bank: Davivienda
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, comprehensive insurance, and Davivienda rewards.
5. Nu Colombia Card
Bank: Nu Colombia
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet
The Nu Colombia Card is a Mastercard credit card from Nu Colombia, offering full app-based control over credit limits, flexible installment options in 2, 3, 6, or 12 installments, and cash advances up to 100% of available credit at any Mastercard ATM worldwide. It supports Apple Pay and Google Pay for contactless di...
6. Bancolombia Visa Gold
Bank: Bancolombia
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Gold card with travel insurance, dining offers, and Bancolombia loyalty rewards.
7. BBVA CO Visa Gold
Bank: BBVA Colombia
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
BBVA Colombia Visa Gold provides higher credit limits with 4 annual free VIP airport lounge accesses for cardholder and companions, BBVA Points with double points on online purchases, medical and accident travel insurance, and exclusive restaurant discounts via #MartesVisa.
8. Bogota Visa Gold
Bank: Banco de Bogota
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Banco de Bogota Visa Gold provides credit limit up to $10M COP with 1.5 tuplus points per $4,000 COP for trips and miles redemption. Features cash advance up to 30%, extended warranty, purchase protection, life insurance, and access to premium travel services.
9. Davivienda Visa Gold
Bank: Davivienda
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Davivienda Visa Gold offers flexible credit limit up to $7M+ COP, 1.5 points per dollar redeemable for hotel stays and Avianca LifeMiles, free Ultrabox mailbox service, extended warranty, price and purchase protection, and traveler information assistance services.
10. Nu Colombia Ultravioleta
Bank: Nu Colombia
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points, Digital wallet
The Nu Colombia Ultravioleta is the premium tier Mastercard from Nu Colombia, offering enhanced rewards, flexible installment plans with 0% interest at partner merchants through Mercado Pago, and full digital wallet support. Cardholders control their credit limit directly from the app and enjoy cash advances at any ...
11. Bancolombia MC Classic
Bank: Bancolombia
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Bancolombia Mastercard Classic offers zero annual fee with $695K COP monthly spend, purchase insurance up to $200 USD, medical expense coverage abroad up to $40,000 USD, baggage loss compensation up to $1,200 USD, and contactless chip technology for secure payments.
12. BBVA CO Aqua
Bank: BBVA Colombia
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Digital-first card with instant cashback, no annual fee, and app-based management.
13. Bogota MC Classic
Bank: Banco de Bogota
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Banco de Bogota Mastercard Classic offers credit limit up to $3.5M COP, tuplus points for every $4,000 COP spent redeemable for miles and tickets, up to 12 interest-free installments, purchase protection against theft and damage, and life insurance on card debt.
14. Davivienda MC Classic
Bank: Davivienda
- Annual fee: Not published
- Interest rate: 26.04% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Davivienda Mastercard Classic is ideal for building credit history, earn 1 DaviPunto per $2 spent redeemable for travel from 7,000 points at the Travel Service Center. Includes 1,000 welcome DaviPuntos on $900K COP in purchases within 3 months and purchase protection.
15. Nu Colombia Gold
Bank: Nu Colombia
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Digital wallet
The Nu Colombia Gold is a mid-tier Mastercard from Nu Colombia, providing app-based credit management, flexible installment options, and cash advances up to 100% of available credit. It supports Apple Pay and Google Pay and offers 0% interest installments at partner merchants through Mercado Pago.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Colombia
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Superintendencia Financiera de Colombia public register before you apply
Frequently Asked Questions: Credit cards in Colombia
What is the best credit card in Colombia for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Colombia?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Colombia?
Yes, most major banks in Colombia now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Colombia is supervised by Superintendencia Financiera de Colombia. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Colombia?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Colombia
- All banks in Colombia
- Bank branches across Colombia
- Credit Cards In Colombia 2026
- Personal Loans In Colombia 2026
- Savings Accounts In Colombia 2026
- Colombia EMI calculator
- Colombia savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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