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⚖ Add to comparisonNu Pagamentos (Nubank) · Mastercard
Nubank Mastercard (Roxinho)
O roxinho is the default free card for app-first Brazilians: no annual fee, instant virtual card, and limit control all from a genuinely good app. The catch is rewards aren't included by default, you pay separately for the Nubank Rewards program if you want points (which, fairly, never expire). The rotativo interest is brutal, disclosed by Nubank at around 14% a month as of 2026, so treat it strictly as a pay-in-full card. Skip the paid Rewards add-on unless you spend enough to justify it; the base card is best valued as a clean, fee-free starter. Confirm current rates on nubank.com.br.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Standard Nubank Mastercard carries no annual fee
- ✓Optional Nubank Rewards offers points that never expire
- ✓Instant virtual card for safer online shopping
- ✓Control your limit, statement and bills from the app
- ✓Put points toward travel, app credits and bill payments
👍 Pros
- + No annual fee and no hidden charges
- + The mobile app experience is highly rated
- + Approval is quick and handled entirely online
- + Service is transparent and customer-friendly
👎 Cons
- – Earning base rewards means paying for the optional program
- – No airport lounge access
- – Opening credit limits can be on the low side
Can you get it?
- ▸Brazilian resident holding a valid CPF
- ▸At least 18 years old
- ▸Serasa score and credit history reviewed by Nubank
- ▸Account opened and verified through the Nubank app
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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