Clara review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Clara is a corporate debit card for businesses in Mexico, paying 1.5% cashback on spend and including virtual cards and travel features. It suits teams that want one company card for daily costs and trips, priced for companies rather than personal users.
Key facts
- Best for
- A company card for Mexican businesses with a MXN 0 monthly fee and a 0% conversion fee
- Monthly fee
- MX$0↗
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Cashback rate
- 1.5%↗
- Card network
- Mastercard↗
- Legal entity
- CF Tech S.A. de C.V. SOFOM E.N.R.↗
- Headquarters
- Mexico↗
- Founded
- 2021↗
- Support channels
- Email, Chat, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- clara.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- A debit card on the mastercard network, so it is accepted wherever those cards are taken and draws on the balance in the account
- The feature list includes a virtual card and travel, so online buying and staff trips are covered by the same product
- A business product run by CF Tech S.A. de C.V. SOFOM E.N.R., founded in 2021 and based in Mexico
Cons
- Support is limited to email, chat and help centre, with no phone line for urgent card problems
- The card is built for business customers, so a personal budget gets no use from it
Who it suits
- Companies in Mexico paying staff and suppliers in other currencies
- Finance teams that want a virtual card for online buying and travel cover for staff
- Anyone after a debit card that pays 1.5% cashback and charges MXN 0 monthly
Who should look elsewhere
- Monzo Flex, if you want a personal everyday account instead of a business card; its monthly fee is £0
- Wise, if your card use is not company spend, though its monthly fee of £0 matches the MXN 0 here
- Bitpanda, for crypto linked spending, since Clara works as a debit card with a 0% conversion fee
How Clara compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.6
8.9 vs 9.0
8.9 vs 9.1Bitpanda's card also carries a monthly fee of €0. It sits in the crypto card market, while Clara is a debit card with a 0% conversion fee.
8.9 vs 8.9
8.9 vs 8.1
8.9 vs 8.2
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.0
8.9 vs 8.9- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.6
8.9 vs 8.5
8.9 vs 8.3
Where Clara is available
- Available
- Brazil, Colombia, Mexico
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Clara card cost?+
Clara's business account carries a monthly fee of MXN 0 and a currency conversion fee of 0%. Spending earns cashback of 1.5%, so the only real cost is the money you choose to spend.
Is Clara a debit or credit card?+
Clara issues a debit card rather than a credit card, so spending draws on the balance already in the business account and nothing is owed later. The card runs on the mastercard network, so it is accepted wherever those cards are taken.
Who is Clara built for?+
The card is aimed at business customers, and the company is based in Mexico. Company owners, finance teams and staff expenses are the natural users. Personal spending and everyday household budgeting sit outside what the account is set up for.
How do I get help from Clara?+
Support runs on email, chat and help centre. That means written answers by email, a help centre for longer questions and live chat for the quick ones. No phone line appears in the channels listed, so plan for written help if a card is blocked.
Does Clara offer virtual cards and travel features?+
A virtual card and travel are on the feature list, which suits staff buying online or abroad as well as office spending on the debit card. One product covers both the everyday running costs and the trip.
Who runs Clara?+
Clara is run by CF Tech S.A. de C.V. SOFOM E.N.R., registered in Mexico, and it was founded in 2021. The account terms you accept come from that company, so read its own terms rather than those of a wider group.
How do Clara's fees compare with other cards?+
Clara ranks first on monthly fee out of 379 cards and first on currency conversion fee out of 237. The site median conversion fee is 1%, so a 0% conversion fee sits at the cheapest end of the range.
Is my money protected with Clara?+
The entity behind the card is CF Tech S.A. de C.V. SOFOM E.N.R. in Mexico. No deposit protection scheme is named in the details here, so the safety of the balance rests on that company's own terms. Read them before you move company funds through the account.
Sources
- techcrunch.com/2023/04/26/spend-management-clara-fintech-... checked September 26, 2026
Backs: Founded
“Clara, a Mexico-based spend management company, closed on $60 million in equity in a round led by GGV Capital. The company launched its product in 2021”
- clara.com checked September 26, 2026
Backs: Features
“Clara Virtual: Issue unlimited virtual cards instantly... Clara TravelPay: Virtual cards and tracking for all travel-related payments”
- clara.com/es-mx/legal/aviso-de-privacidad checked September 26, 2026
Backs: Headquarters, Legal entity
- clara.com/legal/politica-de-privacidade checked September 26, 2026
Backs: Audience
- clara.com/pricing checked September 26, 2026
Backs: Cashback rate, Currency conversion fee, Monthly fee, Support channels
“Cashback no debito diario - Clara: 1,5% (2% on Clara Pro)”
- clara.com/products/corporate-card checked September 26, 2026
Backs: Card type, Card network
“Clara White: Equip your entire workforce with physical Mastercard cards for secure, real-time spending at zero annual cost”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Clara
A company card for Mexican businesses with a MXN 0 monthly fee and a 0% conversion fee