card oh!

What card oh! does

Card oh! is a Peru-based consumer finance company, headquartered in Lima, founded in 2008, that provides financing for the acquisition of consumer goods and pairs that financing with exclusive discounts and promotions for its cardholders. The company operates the tarjetaoh.pe platform and is classified as a for-profit entity with a 1001–5000 employee base, suggesting a mid-sized operation by Peruvian standards. The business model centers on extending credit to consumers at the point of sale for retail purchases, monetizing through interest charges, fees, and merchant-funded promotional partnerships. The company is also registered under the doing-business-as name "Sip," indicating a secondary brand identity that may target an overlapping or adjacent customer cohort within the Peruvian market. Its IPO status is recorded as delisted, and no parent-company relationship is disclosed in the available data.

Operationally, card oh! occupies the consumer-charge-card niche in Peru, distinct from bank-issued credit cards, with distribution tied to merchant acceptance and direct-to-consumer card acquisition. Pricing is quote-based and not publicly disclosed, consistent with a relationship-oriented credit product rather than a standardized rate card. The company must operate under Peruvian financial-services regulation administered by the Superintendencia de Banca y Seguros, which governs consumer credit, interest-rate ceilings, and disclosure requirements — a regulatory overlay that shapes product economics.

Evidence gaps materially constrain deeper characterization: no revenue, headcount trend, funding history, leadership team, customer logos, product road map, technology stack, or strategic transaction data is available in the supplied sources beyond firmographic and DBA fields. The reported financial line items are labeled in $M but carry magnitudes that appear inconsistent with any plausible single-company revenue scale and are therefore treated as unreliable. As a result, the description above is grounded in the firm's stated short description, website, geography, employee count, and DBA registration, and any downstream analytical judgments should be interpreted with that evidentiary constraint in mind.

Name

card oh!

Website

https://tarjetaoh.pe

Company type

Private

Founded year

2008

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Consumer Credit Cards

NAICS

Credit Card Issuing (522210), Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

General Purpose Credit Cards (FSAKABAA)

akta.pro secondary industries

BNPL Card / Virtual Card Programs (FSAKACAC), Private-Label & Store Card Schemes (FSAMAAAE)

Keywords

• Consumer credit cards
• Point-of-sale financing
• Consumer goods financing
• Credit card services
• Retail purchase financing

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

card oh! issues a consumer credit card that provides financing for the acquisition of consumer goods, enabling cardholders to spread the cost of purchases. Cardholders additionally gain access to exclusive discounts and promotions offered through affiliated merchants. The company operates under the related brand Sip (sip.pe) in Peru.

Differentiator

Problem solved

Functional benefit

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights2 records

Emerging players

• Nubank: Digital-first consumer credit card issuer expanding across LatAm. Comparable as a growing competitive threat targeting underbanked consumers in markets like Peru.
• Klar: Mexican digital consumer credit startup with cross-border expansion ambitions. Comparable as a newer fintech entrant attacking the same consumer-credit use cases with lower cost structure.
• Mercado Pago: Embedded credit and payment product within MercadoLibre's ecosystem, active in Peru. Comparable as an emerging digital credit provider competing for the same retail-financing moments.

Direct peers

• Cencosud (Tarjeta Cencosud / Paris card): Operates private-label consumer credit cards across its retail banners in LatAm including Peru. Comparable because it pairs consumer-goods financing with loyalty promotions.
• Falabella (CMR card): Operates CMR, a leading private-label consumer credit card tied to Falabella's retail stores in Peru. Closely comparable to Card oh!'s model of financing consumer goods purchases with promotional terms.
• Ripley (Tarjeta Ripley): Issues a store-branded consumer credit card for purchases at Ripley department stores in Peru and Chile. A near-direct comparable given the similar retail-tied financing model.
• Banco Falabella: Banking entity behind the CMR card, focused exclusively on retail consumer credit in Peru. The closest functional twin to Card oh!'s store-card financing model.

Broad incumbents

• Scotiabank Peru: Major Peruvian bank issuing consumer credit cards including co-branded retail products. Overlaps with Card oh! in target customers and product category, but operates as a full-service bank.
• Banco de Crédito del Perú (BCP): Peru's largest bank and a major issuer of general-purpose and co-branded credit cards. Overlaps with Card oh! in consumer credit issuance but operates across the full banking spectrum rather than a retail-financing niche.
• Interbank: Major Peruvian bank with a sizable consumer credit card portfolio including retail-affiliated products. Comparable as a broad incumbent competing for the same consumer credit customers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 card oh!