🚨 TARJETA AMAZON: Lo BUENO y lo MALO antes de pedirla

Key product reviewed

Amazon debit card (“Amazon Access” / “Amazon Bank Card”) in collaboration with Inbex bank. It’s a Mastercard debit card, not a credit card.

Main features

• Free account opening: no opening fee and no usage fee.
• No cost to hold balance: you can keep money in the account (e.g., €0 to €10,000) without charges.
• Backed by Inbex + Amazon: money in your Amazon account is described as safe.
• IPAP insurance mentioned: claims of protection so money won’t “disappear.”
• Home delivery: delivered directly to your home at no cost.
• Mastercard acceptance: usable beyond Amazon, including MercadoLibre, restaurants, gas, and anywhere Mastercard works.
• Transfers & funding:
  • You get an interbank key number.
  • You can send money from other banks (examples given: NU, BBVA, Banamex) to load balance.
  • In the Amazon app, you can access Amazon Access to do transfers.
  • Transfers to other banks/platforms (examples: Mercado Pago) are said to be free.
• Works like a typical debit card: spending is from your own balance.

Promotions / discounts mentioned

• First purchase discount:
  • 20% off mentioned.
  • During events (e.g., Prime Day / “Buenfin” context), it can be up to 30% or 50% off for new customers only.
  • Discount is capped: maximum cashback/benefit stated as €600.
• Ongoing event promos:
  • Additional examples: another 20% and 15% off during events.

Pros (as stated)

• Free to open and use; no fees for holding money.
• Money safety claim (Inbex collaboration + IPAP insurance).
• No-cost delivery.
• Mastercard usability outside Amazon.
• Good for shoppers who buy frequently, especially during major events.
• Promotions (first purchase + event discounts).
• Transfer capabilities (including sending to other platforms/banks) and stated free transfers.

Cons (as stated)

• Not a savings/earning product:
  • It’s not a savings account and the reviewer doesn’t recommend keeping a lot of money there.
  • No “turbo/cashback-style” earning mentioned.
• Debit-card limitations vs competitors:
  • No credit/financing (“won’t get credit like Mercado Pago”).
  • No interest for keeping money (no “pesos for having your money saved there”).
• Discounts are limited:
  • First-purchase deals are capped at €600.
• Credit-card comparison:
  • The reviewer argues a credit card is often better because it offers interest-free installments and financing (example: refrigerator).
  • They position Amazon Access as not replacing a credit card.

User experience / usage guidance (implied by review)

• Use it like a debit spending tool and promotions card.
• Likely best to keep only what you intend to spend, rather than parking large balances.

Comparisons made

• Compared with credit cards: credit cards are preferred for interest-free installments and financing.
• Compared with Mercado Pago: Mercado Pago allegedly offers credit features and/or better benefits (e.g., “turbo box” / earning on saved money), which Amazon Access lacks.

Numerical values mentioned

• Up to €10,000 balance range with no fees (as described).
• 20% off first purchase (promoted).
• Up to 30% or 50% off in event context for new customers.
• Cap on benefit: maximum €600.
• Additional event discounts referenced: 20% and 15%.

Concise verdict / recommendation

Recommended mainly for frequent Amazon shoppers who want a free debit card with Mastercard usability and event/new-customer discounts. Not recommended as a place to store money or as a substitute for a credit card, since it lacks financing/interest-free installments and doesn’t appear to offer returns for keeping funds there.

Speakers

• Single speaker (Rubén Darío / “Happy Money”) provided the full review and opinions.