Mercado Pago Card

Spend your Mercado Pago balance or use approved credit with Mercado Pago Card, without an annual fee.

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Mercado Pago Card: Virtual card fees and cashback

What is Mercado Pago Card?

Mercado Pago Card is a fiat debit or credit card with no annual fee and cashback that varies by country, separate from Mercado Pago's crypto wallet.

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Mercado Pago Card Overview

Mercado Pago Card is a debit and credit card linked to a Mercado Pago digital account. Depending on your country, you get Visa or Mastercard. Add local currency to your account for debit purchases, or spend against an approved credit limit and pay the bill later. You can use a virtual card after approval and request a physical card. This is a fiat spending card; crypto purchases in the separate wallet are a different service.

It suits frequent Mercado Libre shoppers and people who already keep money in Mercado Pago. The main draw is interest free installments on selected marketplace purchases. In Brazil, eligible purchases can qualify for up to 18 installments. With Meli+ in Brazil, cashback can reach about 3% on Mercado Livre and about 0.5% on other spending. Rewards and installment terms vary by country, so check your account before you apply.

The standard consumer card has no annual fee. You may pay fees for ATM withdrawals or foreign purchases, with amounts set locally. Credit cash advances cost extra, and carrying an unpaid balance can mean high interest. You manage spending and bill payments in the app. For regular marketplace shoppers who pay each bill in full, it is a useful everyday card. Its value is weaker if you rarely shop there.

Mercado Pago Card Key features

  • Debit or credit

    You spend your Mercado Pago account balance with debit or use an approved credit limit and pay later. You pay in local currency, with no direct crypto spending through the card.

  • No annual fee

    You pay no annual fee on the standard consumer cards described. You may still pay fees for cash withdrawals or interest if you carry a credit balance.

  • Instant virtual card

    You can use the virtual card in the app immediately after approval for online purchases and supported QR payments.

  • Physical card delivery

    Mercado Pago mails physical cards at no issuance or shipping cost under the documented consumer terms in Argentina and Brazil. Confirm the terms in your app before you order.

  • Private card details

    In several markets, Mercado Pago leaves your name and full card number off the physical card. You view those details in the app.

  • Interest free installments

    In Brazil, you can commonly pay for selected Mercado Livre items in up to 18 interest free installments. Argentina has 3 interest free installments on Mercado Libre, while Mexico has interest free plans on selected goods and during seasonal promotions.

  • Brazil Meli+ cashback

    With Meli+ in Brazil, you can earn about 3% cashback on Mercado Livre purchases and about 0.5% on other spending. Cashback terms vary by country and subscription status, so check your account before you count on a rate.

  • Visa or Mastercard

    You can pay in stores and online wherever merchants accept your card's network, which varies by country. For international purchases, you may pay local financial taxes and an issuer currency spread.

  • In-app card control

    You can freeze your card and control contactless payments in the app. You can also check transactions and pay your credit statement there.

  • Debit cash withdrawals

    You can withdraw cash with the physical debit card at partner ATMs. In Brazil, the listed domestic withdrawal fee is about R$5.90 per withdrawal; check the app for your local fee.

Get the app

Download Mercado Pago Card App For Android And iOS

Download Mercado Pago Card and start spending crypto from your phone — available on Android and iOS.

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Mercado Pago Card Fees

  • Annual fee You pay no annual fee on the standard consumer cards described by Mercado Pago.
  • Issuance and delivery Mercado Pago advertises free issuance and shipping in Argentina and Brazil, with replacements also free; confirm the terms in your app.
  • Domestic ATM withdrawals You pay about R$ 5.90 per debit withdrawal at Banco24Horas-style networks in Brazil.
  • International purchases You pay local financial tax plus any issuer spread; some Brazil materials advertise zero extra spread on top of IOF.
  • Credit charges You pay an extra fee plus interest for credit cash advances, and interest plus fines on revolving or late balances; the supplied data gives no exact rates.

How to use Mercado Pago Card

  1. Open your account

    Sign up for a digital account in the official Mercado Pago app, or log in to your existing account.

  2. Verify your identity

    Complete identity verification with your local tax ID. Take a live selfie if prompted.

  3. Request your card

    Open Cards or My card in the app and request the debit card or credit function if available for your account. Mercado Pago rolls out access gradually.

  4. Review and accept terms

    After Mercado Pago completes its automated review, read the terms and any approved credit limit in the app. Accept them if you want to proceed.

  5. Prepare your funds

    For debit, make sure your Mercado Pago account has enough local currency for the purchase; the supplied information does not specify deposit methods. For credit, check that you have enough available credit.

  6. Make your first payment

    Use your virtual card after approval at an online checkout that accepts its Visa or Mastercard brand. If you pay with credit, pay the statement in full by the due date to avoid revolving interest.

Mercado Pago Card Videos

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Mercado Pago Card User Reviews

  • @EmmanuelMorn6
    @EmmanuelMorn6 Apr 16, 2026

    Me llegó la tarjeta de crédito de Mercado Pago, en menos de 24hs que la pedí. Nunca me habían enviado algo tan rápido anteriormente.

    View on X ↗
  • @tati_jjj
    @tati_jjj May 5, 2026

    Me llego la tarjeta de Mercado Pago a la velocidad de la luz ... es una señal del destino para comprar todo lo que tengo en el carrito ? Tal vez 🫣

    View on X ↗
  • @PlantaSim
    @PlantaSim Aug 7, 2026

    Espera o dia 11/11. Também recomendo ir começando a usar o cartão mercado pago pra conseguir aumentar o limite. No mercado livre é o melhor lugar pra comprar por até 4mil em 21 vezes

    View on X ↗
Used Mercado Pago Card? Share your experience — your review helps other traders decide. Write a review →

Mercado Pago Card Review

Pros

  • You pay no annual fee on the standard consumer card.
  • You can use the virtual card as soon as you get approval.
  • You can freeze either the virtual or physical card in the app.
  • You can pay outside Mercado Libre wherever merchants accept your card's Visa or Mastercard brand.
  • In Brazil, you can get up to 18 interest free installments on selected Mercado Livre items.
  • With Meli+ in Brazil, you can earn up to about 3% cashback on Mercado Livre purchases.

Cons

  • You cannot spend crypto directly with this card, only local fiat.
  • You rely on custody providers for crypto held in the separate Mercado Pago wallet.
  • You pay about R$ 5.90 per domestic ATM withdrawal in Brazil.
  • You pay high interest if you carry a credit card balance.
  • With Meli+ in Brazil, you earn only about 0.5 percent cashback outside Mercado Livre and selected partners.
  • You pay IOF tax on international purchases in Brazil.
  • You may need to wait for Mercado Pago to make the card available to your account.

Our verdict

I'd carry Mercado Pago Card for regular Mercado Libre purchases. Pay credit bills in full; the standard card has no annual fee. Compare FX spreads and taxes against cashback before you spend abroad. Count ATM fees too, plus Meli+ costs if you subscribe. I'd pass if you carry debt or costs exceed cashback savings.

Mercado Pago funding

  • Founded by Marcos Galperin founded MercadoLibre, Mercado Pago's parent company, in Buenos Aires on 2 August 1999; the raw data gives no further details about his background.
  • Venture round - Nov 1999 MercadoLibre raised an early venture round in November 1999, but the raw data does not specify the amount or lead investors for this round.
  • Venture round - May 2000 MercadoLibre raised an early venture round in May 2000, but the raw data does not specify the amount or lead investors for this round.
  • Series D - Jul 2022 Goldman Sachs participated in a Mercado Pago-related Series D in July 2022, but the raw data does not specify the round amount or clearly identify the lead investors.
  • Debt funding - date not specified Citi and later unnamed lenders provided debt funding involving Mercado Pago, but the raw data does not separate the rounds or specify their dates, amounts or lead lenders.

Is Mercado Pago Card safe & legit?

Mercado Pago Card is a legitimate, regulated product from Mercado Pago, part of publicly listed MercadoLibre, which Marcos Galperin founded with early backing from investors including Goldman Sachs and JP Morgan-related vehicles. Mercado Pago holds your account balance in custody, so you rely on the provider to access your money, and traditional bank deposit guarantees may not apply. Known risks include high interest if you carry a credit balance and scams by people impersonating Mercado Pago; request cards only through the official app.

X account intel @MercadoPago

  • Based in Argentina
  • Joined X June 2008 18 years ago
  • Username changes 1 rename last on Jun 5, 2026
  • Signup source Web

Public profile signals from X. Use as one input alongside other due-diligence.

Mercado Pago Card Updates

  1. Mercado Pago Card logo
    Mercado Pago
    Excelente! Siguiente paso: sacar la tarjeta de crédito de Mercado Pago y la pagás desde ahí mismo. 0 costo de emisión, de mantenimiento y de renovación.
    • 13 replies
    • 10 reposts
    • 89 likes
    • 31K views
  2. Mercado Pago Card logo
    Mercado Pago
    Los servicios de Mercado Pago ya funcionan con normalidad. Si aún no recibiste una transferencia que te realizaron, pronto vas a verla reflejada en tu cuenta o será devuelta a la cuenta de origen. Lamentamos las molestias ocasionadas.
    • 121 replies
    • 5 reposts
    • 67 likes
    • 25.5K views
  3. Mercado Pago Card logo
    Mercado Pago
    Con 294 puntos, tres finalistas lideraron el podio de Fixture 2026 ⚽ Para desempatar se usó la cantidad exacta de aciertos, según el reglamento. Muchas gracias a los 11 millones de argentinos que se sumaron a esta nueva tradición.
    Conocé más sobre los ganadores 👇🏻
    • 36 replies
    • 7 reposts
    • 455 likes
    • 232K views
  4. Mercado Pago Card logo
    Mercado Pago
    Una noticia que nos llena de orgullo: @CNBC destacó a Mercado Pago entre las principales compañías fintech del mundo de 2026📱🚀
    • 17 replies
    • 2 reposts
    • 28 likes
    • 9.1K views
  5. Mercado Pago Card logo
    Mercado Pago
    A días de la gran final, la ilusión ya está cargada en el Fixture 2026 de Mercado Pago 🇦🇷 Así vivimos los argentinos esta experiencia durante el torneo 👇🏻
    • 10 replies
    • 3 reposts
    • 46 likes
    • 11.5K views
  6. Mercado Pago Card logo
    Mercado Pago
    Pocas veces disfrutamos tanto cargar un resultado, ¿no?
    • 3 replies
    • 1 reposts
    • 89 likes
    • 6.9K views
  7. Mercado Pago Card logo
    Mercado Pago
    La victoria más esperada. 🇦🇷 El 41% de los usuarios dijo que ganábamos 2 a 1. Nos vemos en la final. ⚽
    • 11 replies
    • 7 reposts
    • 105 likes
    • 7.6K views
  8. Mercado Pago Card logo
    Mercado Pago
    Esta ilusión la vivimos juntos. 🇦🇷
    • 4 replies
    • 22 likes
    • 4.4K views
  9. Mercado Pago Card logo
    Mercado Pago
    ¡Pasamos a la semifinal! Esta ilusión la vivimos juntos. 🇦🇷 El 23% de los usuarios dijo que ganábamos 3 a 1. ¿Quién sumó 6 puntitos?
    • 15 replies
    • 1 reposts
    • 46 likes
    • 8.3K views
  10. Mercado Pago Card logo
    Mercado Pago
    ¡Sufrimos pero pasamos a 4tos! Cada vez más cerca Argentina 🇦🇷 El 3% de los usuarios dijo que ganábamos 3 a 2.
    • 10 replies
    • 3 reposts
    • 56 likes
    • 12.2K views
  11. Mercado Pago Card logo
    Mercado Pago
    Y así pasamos a 8vos 🇦🇷 El 2% de los usuarios acertó el resultado 3 a 2. ¿Cuántos de ustedes sumaron 6 puntos?
    • 25 replies
    • 1 reposts
    • 90 likes
    • 18.4K views
  12. Mercado Pago Card logo
    Mercado Pago
    En 2017, menos del 1% de la población argentina tenía una cuenta de inversión. Hoy, más de 20 millones de personas generan rendimientos diarios a través de Mercado Pago. Una solución simple que transformó la forma en que los argentinos administran su dinero.
    1 more in this thread
    Beyond Banking: Inversión a través de Mercado Pago y la transformación estructural de la inclusión financiera y la competencia en Argentina https://investor.mercadolibre.com/open-file?file=aHR0cHM6Ly9odHRwMi5tbHN0YXRpYy5jb20vc3RvcmFnZS9tbC1jbXMtYmFja2VuZC9jbXMtZG9jdW1lbnRzLXByb2QvNWRiYmE5MTktNzIxYy00OTE2LWJiOTEtYzc2YTg3MTNmN2YwLzU3M2ZmZjc2LTM0ZDUtNGZjNC05MjgxLTQ2NzAxYTdmMTBiYS9CZXlvbmRfQmFua2luZ19JbnZlc3RtZW50X3Rocm91Z2hfTWVyY2Fkb19QYWdvX0p1bmVfMjAyNi5wZGY
    *Mercado Fondo es un FCI administrado por Mercado Pago Asset Management S.A. y custodiado por Banco Industrial, ambos inscriptos ante CNV.
    • 11 replies
    • 16 reposts
    • 63 likes
    • 14.9K views
  13. Mercado Pago Card logo
    Mercado Pago
    La fase de grupos llegó a su fin y estos son los resultados de la tercera fecha ⚽
    En fase de eliminación directa, para sumar puntos el resultado considera los 90 minutos del partido y el alargue.
    • 10 replies
    • 2 reposts
    • 45 likes
    • 32.7K views
  14. Mercado Pago Card logo
    Mercado Pago
    Ya se recaudaron más de $442 millones para asistir a las familias afectadas por el sismo en Venezuela. Podés seguir colaborando con @CruzRojaArg y @fundacionacnur a través del botón Donar.
    1 more in this thread
    Colaborá a través del botón Donar o siguiendo este link (solo desde tu teléfono) http://mpago.li/2RHZix4
    • 18 replies
    • 3 reposts
    • 18 likes
    • 10.6K views
  15. Mercado Pago Card logo
    Mercado Pago
    Vamos Argentina! 🇦🇷 El 15% de los usuarios dijo que ganábamos 3 a 1. ¿Cómo les fue con los resultados? ¿Quién se lleva 6 puntos?
    • 27 replies
    • 2 reposts
    • 62 likes
    • 43.6K views

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