{"id":34608,"date":"2023-12-05T10:04:00","date_gmt":"2023-12-05T13:04:00","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=34608"},"modified":"2023-12-05T11:22:05","modified_gmt":"2023-12-05T14:22:05","slug":"cuales-son-los-bancos-con-las-tarjetas-de-credito-mas-baratas","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/cuales-son-los-bancos-con-las-tarjetas-de-credito-mas-baratas\/","title":{"rendered":"Cu\u00e1les son los bancos con las tarjetas de cr\u00e9dito m\u00e1s baratas"},"content":{"rendered":"\n<p>A pesar del nivel de inflaci\u00f3n que hay en Colombia, los <strong>productos financieros que m\u00e1s han bajado su tasa de inter\u00e9s son las tarjetas de cr\u00e9dito<\/strong>, con un descenso de 276 puntos b\u00e1sicos (cifras al 13 de octubre).<\/p>\n\n\n\n<p>Las tarjetas de cr\u00e9dito tienen distintos topes o l\u00edmites. Uno de ellos es el ingreso de hasta <strong>dos salarios m\u00ednimos vigentes<\/strong>, que como <strong>tasa ponderada tiene un 25,40%<\/strong>, y otro ingresos superiores a dos salarios m\u00ednimos, con 22,13%. Estos datos surgen de la <strong>Superintendencia Financiera (SFC)<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bancos con tasas m\u00e1s bajas para tarjetas de cr\u00e9dito&nbsp;<\/h2>\n\n\n\n<p>Entre las tasas de inter\u00e9s m\u00e1s bajas del mercado para adquirir una tarjeta de cr\u00e9dito se encuentran:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Davivienda 20,12%<\/strong><\/li>\n\n\n\n<li><strong>Scotiabank Colpatria 19,43%<\/strong><\/li>\n\n\n\n<li><strong>Ita\u00fa 16%<\/strong><\/li>\n<\/ul>\n\n\n\n<p>En cuanto a la tasa para las tarjetas que requieren <strong>ingresos mayores a dos salarios m\u00ednimos<\/strong> se encuentra el <strong>Banagrario (18,77%), Scotiabank Colpatria (17,40%) e Ita\u00fa (16,67%).&nbsp;<\/strong><\/p>\n\n\n\n<p>Las tasas m\u00e1s altas de este tipo de requisito las tienen <strong>Bancien (38,13%), Banco Uni\u00f3n (37,83%) y Banco W (37,28%)<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tasa de usura actual&nbsp;<\/h2>\n\n\n\n<p>Si bien las tasas de inter\u00e9s han tenido una suba debido a la pol\u00edtica monetaria del<strong> Banco de la Rep\u00fablica<\/strong>, las <strong>tasas de usura se han moderado<\/strong>, lo que ha impactado de forma positiva en la tasa de inter\u00e9s de las tarjetas.&nbsp;<\/p>\n\n\n\n<p>De acuerdo a la Superfinanciera, la tasa de usura seguir\u00e1 a la baja durante diciembre, por lo que las <strong>entidades bancarias no podr\u00e1n cobrar m\u00e1s de 37,56%<\/strong>. Esto significa una ca\u00edda de 72 puntos b\u00e1sicos frente a la tasa negativa vigente de noviembre de 2023, que era de 38,28%.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Moderaci\u00f3n de la tasas de las tarjetas de cr\u00e9dito&nbsp;<\/h2>\n\n\n\n<p>De acuerdo a los expertos, el Banco de la Rep\u00fablica deber\u00eda recortar sus tasa de inter\u00e9s en el futuro cercano, lo que implicar\u00eda tambi\u00e9n menores costos en las tarjetas de cr\u00e9dito. Si a esto se le agrega el esfuerzo que realizan los bancos por intentar contener la tasa de usura, se podr\u00eda pensar que deber\u00eda haber un grado de moderaci\u00f3n en estos casos.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A pesar del nivel de inflaci\u00f3n que hay en Colombia, los productos financieros que m\u00e1s han bajado su tasa de inter\u00e9s son las tarjetas de cr\u00e9dito, con un descenso de 276 puntos b\u00e1sicos (cifras al 13 de octubre). Las tarjetas de cr\u00e9dito tienen distintos topes o l\u00edmites. Uno de ellos es el ingreso de hasta &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/cuales-son-los-bancos-con-las-tarjetas-de-credito-mas-baratas\/\"> <span class=\"screen-reader-text\">Cu\u00e1les son los bancos con las tarjetas de cr\u00e9dito m\u00e1s baratas<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":34610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[98,197,108],"tags":[],"class_list":["post-34608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-co","category-portada-co","category-tarjetas-credito-co"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cu\u00e1les son los bancos con las tarjetas de cr\u00e9dito m\u00e1s baratas<\/title>\n<meta name=\"description\" content=\"A pesar del nivel de inflaci\u00f3n que hay en Colombia, los productos financieros que m\u00e1s han bajado su tasa de inter\u00e9s son las tarjetas de cr\u00e9dito, con un\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alprestamo.com\/blog\/cuales-son-los-bancos-con-las-tarjetas-de-credito-mas-baratas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cu\u00e1les son los bancos con las tarjetas de cr\u00e9dito m\u00e1s baratas\" \/>\n<meta property=\"og:description\" content=\"A pesar del nivel de inflaci\u00f3n que hay en Colombia, los 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Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"uagb_comment_info":0,"uagb_excerpt":"A pesar del nivel de inflaci\u00f3n que hay en Colombia, los productos financieros que m\u00e1s han bajado su tasa de inter\u00e9s son las tarjetas de cr\u00e9dito, con un descenso de 276 puntos b\u00e1sicos (cifras al 13 de octubre). Las tarjetas de cr\u00e9dito tienen distintos topes o l\u00edmites. Uno de ellos es el ingreso de hasta&hellip;","rttpg_featured_image_url":{"full":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false],"landscape":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false],"portraits":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false],"thumbnail":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none-150x150.webp",150,150,true],"medium":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none-300x225.webp",300,225,true],"large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false],"1536x1536":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false],"2048x2048":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false],"rt_custom":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/12\/84539645_presentation_normal_none.webp",1024,768,false]},"rttpg_author":{"display_name":"Ramiro Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/\" rel=\"category tag\">CO<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/portada-co\/\" rel=\"category tag\">Portada<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/tarjetas-credito-co\/\" rel=\"category tag\">Tarjetas de cr\u00e9dito<\/a>","rttpg_excerpt":"A pesar del nivel de inflaci\u00f3n que hay en Colombia, los productos financieros que m\u00e1s han bajado su tasa de inter\u00e9s son las tarjetas de cr\u00e9dito, con un descenso de 276 puntos b\u00e1sicos (cifras al 13 de octubre). Las tarjetas de cr\u00e9dito tienen distintos topes o l\u00edmites. Uno de ellos es el ingreso de hasta&hellip;","_links":{"self":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/34608"}],"collection":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/comments?post=34608"}],"version-history":[{"count":3,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/34608\/revisions"}],"predecessor-version":[{"id":34620,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/34608\/revisions\/34620"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media\/34610"}],"wp:attachment":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media?parent=34608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/categories?post=34608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/tags?post=34608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}