Best Credit Cards in Brazil
Brazil's comparison is shaped by no-annual-fee digital cards and points programs like Livelo and Smiles, with Nubank, Itaú, Bradesco and Santander competing hardest on instant in-app approval. Scoring uses the Serasa Score (0 to 1000; around 700+ is generally seen as good as of 2026), and limits often start low and grow with use. The trade-off with the popular free cards is thin perks; you give up lounge access and travel insurance for the zero fee. Points can be worth more transferred to airline partners than redeemed in-app, so confirm conversion rates on the issuer's site.
Top picks in Brazil
Nubank Mastercard (Roxinho)
Nu Pagamentos (Nubank)
O roxinho is the default free card for app-first Brazilians: no annual fee, instant virtu…
Nubank Ultravioleta Mastercard Black
Nu Pagamentos (Nubank)
Ultravioleta is for Nubank loyalists who want to stay in the same app but move up to a Ma…
Itau Personnalite Visa Infinite
Itau Unibanco
This is the card for Itau Personnalite account holders who fly internationally, pairing u…
C6 Carbon Mastercard Black
C6 Bank
Carbon is the points-hoarder's premium pick in Brazil: up to 2.5 Atomos points per US dol…
Bradesco Aeternum Visa Infinite
Banco Bradesco
Aeternum is Bradesco's answer for premium clients who want Visa Infinite travel cover, un…
XP Visa Infinite Credit Card
XP Investimentos
The XP card is a rare combo: Visa Infinite travel benefits and unlimited worldwide lounge…
Santander Unlimited Mastercard Black
Santander Brasil
Santander's Unlimited Black leans on Esfera points that never expire plus an esports-and-…
Inter Mastercard Credit Card
Banco Inter
Inter's card makes sense if you're already in the Banco Inter super-app, since it's free…
Itau Click Visa Platinum
Itau Unibanco
Click is a practical free everyday card for Itau customers who shop online: no annual fee…
Explore Brazil credit cards
Brazil credit card guides
Como Comparar Cartoes de Credito (Guia 2026)
Compare cartoes pela anuidade real, pelo valor do ponto e pelo seu gasto mensal, nao pela propagand…
Read guide →
Pontos ou Cashback: O Que Vale Mais no Brasil?
Resposta direta: cashback ganha para quem gasta pouco e odeia controlar prazos; pontos ganham para…
Read guide →Was this helpful?