Tarjeta Sucrédito

What Tarjeta Sucrédito does

Tarjeta Sucrédito is a regional consumer credit and financial services company operating in northwestern Argentina (the NOA region). Founded in 1984 and operating through the legal entity VALLE FÉRTIL S.A., the company issues a proprietary credit card alongside personal loans, insurance products, loyalty programs, and entertainment ticketing to approximately 250,000 active cardholders. Distribution combines 11 physical branches across Tucumán, Santiago del Estero, Salta, Jujuy, and Córdoba provinces with digital channels including a web-based onboarding portal, an Android mobile application (SucreApp), and an SMS-based account service (SuSMS). A network of 30,000 affiliated merchants processes transactions at point-of-sale.

Name

Tarjeta Sucrédito

Legal name

VALLE FÉRTIL S.A.

Website

https://tarjetasucredito.com.ar

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

101–250 employees

Short description

Tarjeta Sucrédito is a regional credit card issuer and consumer financial services company serving approximately 250,000 cardholders across northwestern Argentina through 11 physical branches, 30,000 affiliated merchants, and digital channels including SucreApp and SuSMS.

Ownership category

akta.pro rank

Product category

Consumer Credit Cards

NAICS

Sales Financing (52222)

akta.pro primary industry

Subprime Credit Cards & Secured Cards (FSAKAOAD)

akta.pro secondary industry

Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ)

Keywords

• Consumer credit cards
• Installment financing
• Personal loans
• Retail banking services
• Consumer lending

Headquarters

HQ city

San Miguel De Tucuman

HQ country

Argentina

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Credit Card Interchange Fees: Transaction fees earned from merchants on every card purchase processed through the network of 30,000 affiliated commerce partners.
2. Installment Interest Income: Interest revenue from revolving credit and installment plans with interest (Plan Normal 3/6/12), with CFT rates ranging from 85.47% to 105.04% depending on plan and VAT treatment.
3. Insurance Products: Commission revenue from insurance products including SMG LIFE life insurance, SMG LIFE accident insurance, SMG LIFE burial insurance, Assurant protection (unemployment, disability, theft), and purchase protection. Insurance premiums automatically debited from customer accounts.
4. Personal Loans: Interest income from personal loans ranging from $2,000,000 maximum with terms up to 24 installments at fixed rates in Argentine pesos. Loans subject to credit approval.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels8 records

Core offering

Tarjeta Sucrédito issues a regional credit card for individual consumers in northwestern Argentina, providing installment financing at a network of 30,000 affiliated merchants, revolving and installment credit plans, personal loans up to $2,000,000 ARS, and bundled insurance products (life, accident, burial, purchase protection). The offering is supported by digital onboarding, the SucreApp mobile app, SuSMS SMS-based account service, a loyalty program, and physical branch service across 11 NOA locations.

Product overview

Tarjeta Sucrédito operates as a regional credit card issuer and financial services company serving northwestern Argentina. The core product is the Tarjeta Sucrédito credit card, which offers installment financing plans at affiliated merchants, personal loans, and digital account management through online portals and the SucreApp mobile application. The product portfolio includes complementary services such as SuSMS for SMS-based account alerts, a comprehensive insurance offering with life, accident, and funeral coverage through partnerships with SMG LIFE and Life Seguros, the monthly Revista AQUÍ magazine subscription delivered with statements, the Supuntualidad loyalty program with monthly prize draws, mobile phone recharge capability, and a dedicated entertainment ticketing service for spectacles. The company also maintains a commerce portal for its network of 30,000 affiliated merchants to manage settlements and transactions.

Differentiator

Problem solved

Functional benefit

Brands

• SuSMS: Mobile messaging service allowing customers to consult available credit margin, payment due dates, and transaction alerts via SMS.
• Supuntualidad
• Revista AQUÍ

Products and services

• Tarjeta Sucrédito Credit Card Regional credit card serving northwestern Argentina with installment plans, promotional interest-free financing at 30,000 affiliated merchants, revolving credit, and digital account management via online portal and SucreApp. Targeted at salaried employees, monotributistas, and retirees in the NOA region.
• Préstamos Personales (Personal Loans)

Quantifiable outcome

• 250,000 active customers across NOA region
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• SMG LIFEcoreOthersInsurance provider offering life insurance, accident insurance, and burial insurance products to Tarjeta Sucrédito customers. Coverage includes death from any cause, partial/total disability, accidental death indemnification, and terminal illness advance. Policies automatically debited from customer accounts. Maximum sum insured: Life $2,684,880, Accidents $8,054,640, Burial $2,779,800.
• AssurantcoreOthersInsurance company providing protection coverage for Tarjeta Sucrédito customers in case of involuntary unemployment, disability, and theft. Coverage available for employed persons aged 18-65 with minimum 6 months seniority and 30 hours/week. Automatically debited from customer statements.
• Life SeguroscoreOthersInsurance partner offering Consumo Garantizado (guaranteed consumption) coverage for unemployment and disability, Compras Protegidas (protected purchases) for accidental damage and theft of purchased goods, and Bolsos Protegidos (protected bags) for theft/housebreaking coverage.
• BCRA (Banco Central de la República Argentina)coreOthersRegulatory partner for user financial protection. Company complies with BCRA regulations for user protection, financial cost disclosure (CFT), and consumer defense requirements. Links to BCRA user protection resources displayed on website.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Naranja X: Argentina's largest private-label credit card issuer (formerly Tarjeta Naranja), operating across the country with installment plans, personal loans, insurance, and a digital super-app. Closely comparable in product mix and target segment; Sucrédito competes as a regional niche challenger to Naranja's national footprint.
• Tarjeta Cencosud: Retailer-affiliated credit card issued in Argentina with installment financing at Cencosud stores (Jumbo, Easy, Vea) and a broader acceptance network. Comparable business model combining credit issuance with merchant ecosystem, though anchored to a single retail group rather than a regional general-purpose network.

Emerging players

• Mercado Pago: Fintech arm of Mercado Libre offering digital accounts, credit lines, QR payments, and consumer credit in Argentina. Comparable in serving consumers and SMB merchants with installment and lending products, but with a national digital-only footprint that competes for Sucrédito's potential customer base.
• Ualá: Argentina-based neobank offering prepaid cards, personal loans, and BNPL via mobile app, targeting underbanked consumers across the country. Comparable focus on consumers with limited formal credit access — Sucrédito's core segment — but with a fully digital, lower-cost acquisition model.
• Credicuotas: Argentine BNPL fintech specializing in installment financing at online and offline merchants. Comparable merchant-network economics and installment-plan product, though Credicuotas operates nationally and digitally whereas Sucrédito is regional and branch-led.
• Personal Pay: Argentine fintech (Telecom Argentina) offering digital wallet, prepaid card, and consumer credit products. Comparable in targeting underbanked consumers with digital-first financial services, increasingly relevant in provincial markets.

Regional players

• Banco Macro: Argentina's largest regional bank with deep presence in the NOA region (Tucumán, Salta, Jujuy, Santiago del Estero), offering credit cards, personal loans, and insurance. Directly competes for the same regional customer base as Sucrédito but as a full-service depository institution.
• Banco Comafi: Argentine commercial bank with consumer credit card and loan products, historically active in regional markets. Comparable in offering installment credit and personal loans to salaried and SME customers, though with a corporate-banking tilt.

Broad incumbents

• Banco Supervielle: Mid-sized Argentine bank with consumer credit cards, personal loans, and insurance distribution nationwide. Competes with Sucrédito on installment credit products but serves a broader geographic and product footprint.

Others

• Rapipago (GIRE S.A.): Argentina's largest bill-payment network, integrated with Sucrédito for customer statement payments. Ecosystem participant rather than direct competitor — illustrates the broader payments and consumer-finance infrastructure in which Sucrédito operates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Sucredito
• Xx.com/TSucredito

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tarjeta Sucrédito