Get to know the best credit cards in Brazil and find out which is the ideal model for you to enjoy all the advantages it can provide
Choosing a credit card can be a simple task, but you need to take several factors into account before applying for one. There are several banks and credit card models on the market, each with benefits, advantages and disadvantages, and you need to be careful when making your choice.
Considering the increasingly diversified and competitive financial market, the credit cards that stand out are also consolidating themselves as essential tools for managing personal and business finances.
Before making your choice, consider evaluating all the fees charged for using the card, as well as all the benefits it offers. Credit cards with cashback, air miles, loyalty points and exclusive discounts are a good option for those who value the card's advantages.
Another point to evaluate is the availability of credit that the bank and card can offer, the requirements and rates. Above all, it's important to assess whether the card you've chosen contains features that are important to you.
With the wide range of options available in Brazil, it is essential to understand the particularities of each product in order to make the right choice. In this article, we'll list the seven best credit cards available in the country, covering their benefits, minimum income requirements and other relevant points.
The best credit cards
1. Nubank Platinum
- BenefitsOwn points programme, travel insurance, international medical assistance and discounts with partners.
- Minimum income: Not specified, but credit analysis is rigorous.
- Highlight: Praised customer service and intuitive app.
2. Santander Unique
- BenefitsAccess to VIP lounges at airports, points that don't expire in Esfera and exclusive discounts.
- Minimum income: R$ 40,000.00.
- Highlight: Wide range of benefits and partnerships with luxury brands.
3. Porto Seguro Visa Infinite
- Benefits: Boosted score in the rewards programme, 24-hour concierge, travel insurance and discounts on car insurance renewal.
- Minimum income: R$ 20,000.00.
- HighlightIdeal for those who are already Porto Seguro customers, offering integrated benefits.
4. Bradesco Aeternum Visa Infinite
- BenefitsLivelo rewards programme, access to VIP lounges, concierge and travel insurance.
- Minimum income: R$ 20,000.00.
- Highlight: High score in the Livelo programme and international benefits.
5. Itaú Personalité Multiplus Mastercard Black
- BenefitsAccelerated accumulation of points in the Latam Pass programme, travel insurance, medical assistance abroad and access to VIP lounges.
- Minimum income: R$ 20,000.00.
- Highlight: Strong partnership with Latam, ideal for frequent flyers.
6. Banco do Brasil Ourocard Estilo Elo Nanquim
- Benefits: High score in the Ponto Pra Você programme, travel assistance, car rental insurance.
- Minimum income: R$ 8,000.00.
- HighlightExclusive benefits for account holders Style and strategic partnerships.
7. Credicard Exclusive Platinum
- BenefitsExclusive points programme, discounts at partner establishments, travel insurance and 24-hour assistance.
- Minimum income: R$ 7,000.00.
- HighlightVersatile card with good value for money.
Choosing the ideal credit card depends not only on the benefits on offer, but also on the cardholder's needs and habits. While some people value mileage programmes and travel benefits, others may prioritise discounts at specific establishments or insurance-related benefits.
It is also crucial to assess the fees involved, the annual fee and the ease of customer service. Careful analysis will allow you to select a card that will maximise returns and optimise financial management, whether for day-to-day use or for future plans.
Always remember to manage your spending and use credit responsibly, thus ensuring a healthy relationship with your financial tool. In a constantly evolving economic scenario, being well-informed is the key to making the right decisions.
Read also: The best credit cards for earning miles
