Discover the card with a limit of up to $40,000 and up to 6% cashback on services like Netflix and Spotify.

The Plazo Credit Card has been gaining attention as one of the most accessible and advantageous options in Mexico’s financial market.

With a 100% digital approach, no red tape, and full of benefits, it stands out as an excellent choice for those seeking practicality, control, and real rewards when using credit.

While many cards still impose hidden fees, require a credit history, or make approval difficult, Plazo breaks these standards by offering a transparent product, easy to apply for, and packed with perks like cashback, instant virtual card access, and complete app-based management.

If you want to better understand how the Plazo Card works, who can apply, what sets it apart, and how it compares to other options in Mexico, keep reading. This full guide will help you decide with confidence and clarity.

What is the Plazo Credit Card?

The Plazo Card is issued by a fintech with the same name, which has been revolutionizing the financial sector in Mexico with a direct proposal: accessible credit, without complications. Unlike many traditional banks that require a series of documents and have slow processes, Plazo bets on technology to make the consumer’s life easier.

Focusing on young adults, informal workers, freelancers, and anyone who wants financial autonomy, the Plazo Card is 100% managed through an app.

In other words, you control everything from your phone: from unlocking the card to tracking your invoice, requesting a credit limit increase, and activating benefits such as cashback.

In addition, the fintech Plazo is backed by Creditea México, a financial institution regulated by the CNBV, which guarantees greater security and reliability to the product.

Benefits of the Plazo Card: more than credit, a control tool

The great differential of the Plazo Card lies in its practical benefits, designed for the modern consumer who doesn’t want to waste time with bureaucracy.

1. No annual fee or hidden charges

While many cards on the market charge annual or maintenance fees, the Plazo Card offers zero fixed monthly cost. This means you can have it at your disposal without paying anything extra – a crucial point for those starting their financial life or looking to reduce expenses.

2. Cashback on all purchases

Another great attraction is the cashback program. With it, the user receives:

• 1.5% back on all purchases made with the card
• Up to 6% cashback on subscription services such as Spotify, Netflix, Amazon Prime, and Uber One

This money is credited directly to the invoice, reducing the amount owed. For those who use the card daily, this benefit represents real savings at the end of the month.

3. Easier approval

Unlike traditional banks that require formal proof of income or a robust credit history, the Plazo Card has a more flexible approval policy. This means that even those who have never had a card or have a low score have real chances of being approved.

Main Features

Feature	Plazo
Annual Fee	No
Cashback	Up to 6%
Access without credit history	Yes
Initial limit	Up to $40,000 MXN
App management	Yes

As you can see, Plazo stands out for its cashback and initial limit, being a great alternative for those seeking direct return on purchases and more purchasing power from the start.

Requirements: who can apply?

Applying for the Plazo Card is simple and does not require a pile of documents. See the basic criteria:

• Be 18 years old or older
• Have a valid official ID (INE or IFE)
• Have a mobile phone with an active number
• Provide basic identification data

Approval is not exclusively dependent on your credit score, which increases the chances for those who have never had a card or are in the process of rebuilding their financial history.

Step by step: how to simulate and apply for your Plazo Card

If you’ve made it this far, you’ve probably realized that the Plazo Credit Card can be an excellent choice for your daily life. Now, the good news is that applying for your card is as simple as using it. No queues, no piles of documents, and no waiting days for a response.

Below, you’ll find a detailed step-by-step to simulate and apply for the Plazo Card without complications — all directly from your phone, in just a few minutes.

1. Access the official Plazo website by tapping the button below.

2. Register with your personal data, including your CURP, and attach a photo of your ID.
3. Answer the financial form, where you declare your income and monthly expenses.
4. Wait for the analysis. Generally, the response arrives within minutes.
5. After approval, the virtual card will be available for immediate use.
6. Request the physical card and receive it within up to 7 business days at the provided address.

This digital process is fast, intuitive, and eliminates the need for in-person visits or paper submission.

Tips to increase your chances of approval

Even with a more accessible credit policy, following some practices can improve your chances of getting the Plazo Card:

• Avoid errors when filling out the form. Make sure all data is correct.
• Report a consistent income, even if informal, and detail how much you actually earn.
• Maintain a good payment history on basic services and bills (water, electricity, internet).
• Avoid having many active credits at the same time, which can indicate over-indebtedness.

Conclusion: Is the Plazo Card worth it?

If you’re looking for a credit card that is simple, efficient, and truly offers benefits in your daily life, the Plazo Credit Card is undoubtedly an excellent choice.

It combines practicality, no annual fee, cashback on all purchases, and a fully digital application process — perfect for those who value time, financial control, and freedom.

Whether to better organize your finances, make online purchases more safely, or start building your credit history, Plazo delivers a modern and reliable solution, especially designed for the Mexican public.

But if you also need extra credit with accessible conditions, it’s definitely worth checking out another solution from the same company: the Creditea personal loan. In the next article, we’ll show you how it works, who can apply, and the key differences of this credit line.