Earn Up to 5% Cash Back!

Get rewarded for every purchase. Enjoy up to 5% cash back on groceries, gas, and more with our credit card.

Start saving today!

Elevate your APC score with our credit card!

Timely payments boost your score and increase your limit. Simple steps for greater financial health and more spending power.

Start improving your credit journey now!

Join the waitlist for the Punto Pago Credit Card here

Simple steps for a stronger financial profile:

1

Use Your Debit Card

Use your Punto Pago debit card daily and pay bills in the Punto Pago app

2

Apply for a Credit Card

Apply for a Punto Pago credit card in the app and start using it

3

Improve Your APC Credit Score and Increase Your Credit Limit

Use your credit card and pay it back on time to improve your Panamanian APC credit score and secure a higher limit for your Punto Pago credit card

Typical credit cards in Panama:

Punto Pago

Annual Fees

$0

Foreign Transactions

0%

Card Insurance

$0

Late Payments

$0.50-$5

Others

Annual Fees

$20-$200+

Foreign Transactions

~3%

Card Insurance

Extra

Late Payments

$20-$60

Switch to Punto Pago for fee-free banking Save more, enjoy more.

Every 3 months, we review your loan's interest rate if payments are timely