Get to know the benefits of Visa NOVEL Ideal gives you.

Will I get 2 account statements?

No, you will receive only one account statement with a breakdown of your transactions by card number, including credit and charge.
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Will I have to make 2 payments?

No, you will have only one monthly payment that will include the total of those transactions made with your charge card and the minimum payment corresponding to your credit balance, if any.

If I already have a Visa Novel card, will my annual percentage rate (APR) change?

No, your annual percentage rate (APR) is still the same one you have in your Visa NOVEL.

How will I know which transactions were made with the credit card and which with the charge card?

Your account statement will break down the transactions by card number so you can easily identify the transactions corresponding to each one, the credit card and the charge card.

How come I earn more PREMIA® points?

Because you now have a new card to pay those transactions you usually pay with checks, cash or another charge card to avoid paying interest charges and you will earn 1 PREMIA® point for each $1.

What benefits do I get when I travel?

Just as with your Visa credit card, your Visa charge card offers you free Car Rental Insurance, free Travel Accident Insurance up to $250,000, Emergency Travel Assistance and Card Replacement if you lose it while traveling.

What benefits do I get when I shop?

Just as with your Visa credit card, your Visa charge card offers you 100% protection against unauthorized charges. Verified by Visa gives you additional security while shopping online.
Make the most of your Visa NOVEL Ideal.

Pay with your Visa charge card those purchases that you usually pay in cash or checks and pay them off each month so you avoid paying interest.

Instead of having your credit card and a charge card with an annual fee from another financial institution, use your Visa NOVEL Ideal and you'll have both in one account with no annual fee. This simplifies the way you manage your expenses and you get rid of that other annual fee.

With the PREMIA® program you earn 1 point for each $1 in purchases with each card, the charge card and the credit card. That way you, can earn points faster to redeem them for the rewards you want, such as travel packages, gift certificates from your favorite stores, cash, merchandise and lots more. If you haven't subscribed, click here.

Use your credit Visa NOVEL Ideal card to pay for those purchases that you wish to pay in convenient installments.

Make your life simpler. Use your charge Visa NOVEL Ideal card to pay those recurrent purchases you pay monthly using other payment methods.