La tarjeta de crédito es un instrumento material de identificación, que puede ser una tarjeta de plástico con una banda magnética, un microchip y un número en relieve. Es emitida por un banco o entidad financiera que autoriza a la persona a cuyo favor es emitida, a utilizarla como medio de pago en los negocios adheridos al sistema, mediante su firma y la exhibición de la tarjeta. Es otra modalidad de financiación, por lo tanto, el usuario supone asumir la obligación de devolver el importe dispuesto y de pagar los intereses, comisiones bancarias y gastos. Entre las más conocidas del mercado están: Visa, American Express, MasterCard, Diners Club, JCB, Discover, Cabal, entre otras.

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A credit card is a payment card issued to users (cardholders) as a method of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. A credit card is different from a charge card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

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