Panama's consumer authority has published a report on the most affordable credit cards. According to the Acodeco report for November 2025, there is a significant variation in interest rates and annual fees in the Panamanian market. In some categories, the difference between the lowest and highest rates reaches 14.5%. The report also highlights credit unions and banks with the lowest costs, including cards with zero annual fees. Acodeco urges consumers to review the information carefully before choosing a card and to use credit responsibly by creating a budget and avoiding impulsive purchases.
