Top best credit cards
Credicard Zero
100% digital, in addition to guaranteeing free annual use of the credit function, it allows its customers to obtain discounts of up to 30% from the company's partners.
Brand: MasterCard Platinum
Benefits: Free emergency credit assessment, emergency travel coverage, contactless technology, MasterCard Airport Concierge, MasterCar Insurance, Mastercard Surpreenda.
Additional Card: Up to 4 additional cards
Limit: From R$1,000, depending on the customer's income and how often they use the card.
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Nubank
Fully digital credit card, with a well-managed and fluid app. Nubank is known as synonymous with modernity and practicality.
Brand: MasterCard Gold and Platinum
Benefits: Contactless, complete management via the app, international, discount on early installments, Nubank Rewards, MasterCard Surpreenda, free issuance of payment slips to receive payments.
Additional Card: Not allowed
Limit: From R$50, depending on the customer's credit analysis and purchase frequency. The limit can be increased through the app itself.
Santander
Santander is a bank that follows the traditional model, with physical branches, but offers a free package, exclusively for opening digital accounts. In the so-called Confia Account, the customer has a zero fee on the service package with the right to 4 free withdrawals and 2 DOC or TED per month. To receive the benefit, the customer must receive R$1,000 at Santander (whether through deposits, salary, retirement or sales on the machine) and pay one bill or invoice per month using the account balance.
In addition to the account, the bank also offers the SX credit card with zero annual fee for those who register their cell phone and CPF as a PIX key or spend at least R$100 on purchases on each invoice.
Banco PAN
Banco PAN is a digital bank that belongs to the BTG Pactual group. It offers a free digital account and credit cards with no annual fee, both Visa and Mastercard. (cards are always subject to credit analysis)
PAN's digital account offers up to 30 free withdrawals, TEDs and deposits via bank slip per month. The large number of monthly services with no fees is what sets PAN apart from other digital banks in Brazil.
To open an account, simply access the bank's website and download the app.
Méliuz Credit Card
In 2019, Méliuz, which is already considered the largest cashback program in Brazil, launched a financial product that allows its users to earn money back on ALL their purchases.
All this regardless of whether they are buying from partner stores or not!
Check out our analysis of the Méliuz Card: This product is Méliuz's own credit card, which, in addition to having no annual fee, guarantees you up to 1.8% cashback on all purchases.
This means that there is no minimum purchase limit for the annual fee exemption to be offered, making it a truly no-annual-fee credit card!
Annual fee
Easy approval
Benefits
Minimum income
Limit
Best option for those who prefer cash back instead of points.
Oh, and it's worth remembering that there are ranges that offer progressive cashback, depending on the amount of the invoice, which are:
Above R$1,500: 0.8% cashback on all your purchases + 1% extra on online purchases using your Méliuz card;
From R$750.01 to R$1,499.99: 0.5% cashback on all your purchases + 1% extra on online purchases using your Méliuz card;
Up to R$750.00: 1% extra cashback on online purchases using your Méliuz card.
An interesting detail is that you receive an extra 1% cashback on all purchases made at partner online stores, regardless of the monthly spending range with your card.
Not to mention that it is a card that does not charge an annual fee.
Benefits of the Méliuz Card:
Up to 1.8% cashback on purchases at partner online stores;
Mastercard International Card;
Mastercard Surpreenda Program;
Full control of your Credit Card via your cell phone with the PAN Cartões app;
Redeem cashback to your account without paying anything;
Because of this, we consider the Méliuz card to be the best card with no annual fee currently available on the market.
To apply for your Méliuz credit card, simply access the website and request your card.
