Nubank Ultraviolet: Unlimited Cashback that Earns 200% of the CDI Every Day
Loyalty programs with complicated rules and expiration dates confuse even the most attentive customer. That's why many people prefer a simple benefit: cashback.
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THE Nubank Ultraviolet It follows this line, but with new rules since the 2025 reform. See how it works today, with an example in numbers.
Today's cashback
With every purchase made on credit, you receive 1,25% back, with no spending cap.
The money goes directly into your account, and you decide whether you want to save it, invest it, pay the bill, or spend it.
Or, if you prefer, points
Instead of cashback, you can accumulate points. 2.2 points per dollar spent.
These points can be transferred to airline loyalty programs, a good option for frequent travelers.
In practice: an example with numbers.
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Monthly expenses
Imagine that you spend R$ 5.000 per month on the credit card.
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Monthly cashback
With 1,25% back, that gives R$ 62.50 per month in your account.
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In one year
Maintaining the same average, they are R$ 750 Cashback over 12 months.
Remember to compare this amount with your monthly fee. With R$ spending 5,000, you still don't reach the spending exemption, so the math only works out if you offset your monthly fee with investments or take full advantage of travel benefits.
✓ Tip: Since the cashback goes directly into your account, you can transfer the amount to a savings account or investment of your choice as soon as you receive it. This way, the money continues to earn interest in the way you prefer.
Beyond cashback: travel benefits
The Ultraviolet card is a Mastercard Black card and, with its redesign, has gained benefits designed for travelers:
- IOF zero for international purchases with a credit card.
- 4 visits per year to the Priority Pass network VIP lounges.
- Access to Ultraviolet Lounge at Guarulhos Airport.
- Transferable points to LATAM Pass, Azul Fidelidade and Smiles.
- Insurance and protections provided by the Mastercard Black brand, in accordance with Mastercard's rules.
For those who travel several times a year, these benefits can be worth more than the cashback itself.
Tuition fees and how to get an exemption.
Ultraviolet charges R$ 89 per month when the exemption conditions are not met.
The monthly fee is waived if you meet one of the following conditions:
- Spending above R$ 8 thousand per month by credit card; or
- More than R$ 50 thousand saved or invested at Nubank.
Official website — subject to credit check.
Cashback or points: which to choose?
Choose cashback if…
You want simplicity and prefer money in your account, without worrying about loyalty program rules.
Choose the points if…
You travel frequently and often transfer points to airlines when they take advantage of promotions.
Consider getting a different card if…
Your expenses are low and you can't eliminate the monthly fee. In that case, a no-fee card might be more worthwhile.
⚠ Warning: The old cashback offer of 1%, which yielded 200% of the CDI rate, was discontinued with the card's redesign. If you read this elsewhere, it's outdated information. Always check the current rules on the official Nubank website.
Frequently Asked Questions
See if ultraviolet light is right for you.
Check the current rules for cashback, points, and monthly fees on the official Nubank website.
Visit Nubank UltravioletCredit analysis and eligibility criteria apply.
Conclusion
The Nubank Ultraviolet card remains a simple cashback card, now offering 1,25% back and the option to earn points for travel.
It's more worthwhile for those who can afford to pay the monthly fee waived and take advantage of the travel benefits. For lower expenses, compare it with other options before deciding.
Official website — subject to credit check.
Information verified on the official Nubank website in October 2026 and subject to change. The numerical example is illustrative. This content is for informational purposes only, is not financial advice, and is not affiliated with Nubank.
