Credit Card with Cashback: Choose Yours
Your money back. Always.
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Discover the card that turns your purchases into profits and yields more than a savings account.
Secure your credit limit now:
You spend money on your credit card every month, right? But are you making the most of it?
Many Brazilians lose a significant amount of money by not using a card with adequate cashback.
The Cost of Not Having Cashback
Imagine spending R$3,000 per month on your card. If you use a card with no cashback or a very low fee, you're losing money.
With a cashback of just 1,25%, you would get R$37.50 back per month. Does that seem like a small amount?
At the end of the year, this means R$450 that could be in your account or earning interest.
Don't leave your money on the table. Choose a card that truly rewards you.
Choosing the right card can make a big difference to your annual budget.
There are options for all profiles, from those seeking simplicity to those who demand premium benefits.
Three Profiles, Three Cards: Find Yours
The Essentials: Direct Cashback
For those seeking simplicity and direct returns on their bill. Cashback on all purchases.
- Cashback in % on your purchases.
- No hassle, money back.
- Ideal for everyday expenses.
The Investor: XP Legacy (Investback)
Cashback that becomes an investment. Your money earns more with the CDI (Brazilian Interbank Deposit Certificate).
- Investback: 1% of the amount spent becomes an investment.
- 200% CDI yield on Investback.
- Access to exclusive XP benefits.
The Premium: Nubank Ultraviolet
Unlimited cashback earning 200% of the CDI, VIP lounges and a metal card.
- Cashback of 1% that yields 200% of the CDI.
- Access to VIP lounges at airports.
- Exclusive metal card and zero IOF (tax on financial transactions).
Each card offers a set of benefits for different lifestyles and financial goals.
It's important to analyze which one best suits your needs.
The Annual Fee That Pays Itself
Many premium credit cards have an annual fee, but don't be fooled: it can easily be offset or even waived.
For example, if the annual fee is R$49/month (R$588/year), a cashback of 1,25% on R$4,000 of monthly spending already returns R$50/month.
In other words, your spending already covers the annual fee, and you'll still have cashback left over.
Benefits such as VIP lounges, travel insurance, and differentiated returns also add value that far outweighs the annual fee.
Don't view the annual fee as a cost, but as an investment in benefits and financial returns.
With the right card, the annual fee is just a detail that gets lost in the gains.
What's Your Number?
Your monthly expenses are a good guide for choosing the ideal credit card.
Up to R$2,500/month
A card with direct cashback and no annual fee may be enough for you to start accumulating returns.
From R$2,500 to R$5,000/month
Consider options with Investback, where your money earns more, or cards with annual fees that are easy to waive.
Above R$5,000/month
Premium cards with high-yield cashback, VIP lounges, and other benefits make all the difference.
Analyze your spending habits and choose the card that maximizes your earnings.
Don't get stuck with a card that doesn't offer you real benefits.
Ready to choose yours?
Click on the option that best aligns with your spending profile and start turning your purchases into profit.
The decision is in your hands. Don't miss another chance to get your money back.
With a cashback credit card, every purchase becomes an opportunity to save money.
Frequently Asked Questions (FAQ)
How much is 1,25% in cashback in R$5,000/month?
With monthly spending of R$5,000, a cashback of 1,25% would result in R$62.50 in return for you. Over a year, this would total R$750.
Is XP's Investback safe?
Yes, XP's Investback is safe. It works like a rewards program where the cashback amount is directed to an investment fund that yields 200% of the CDI, offering security and profitability.
How can I waive the annual fee for my Nubank Ultraviolet account?
The annual fee for Nubank Ultraviolet can be waived if you have monthly spending above R$$5,000 on credit or have R$$150,000 invested in Nubank or NuInvest.
Does the XP Legacy Card require a minimum investment?
The XP Legacy Card does not require a minimum initial investment to apply for, but Investback benefits are activated with card spending, and the accumulated amount is automatically invested.
Does a metal card automatically have a higher credit limit?
Not necessarily. The card material (metal) is associated with premium cards, which generally offer higher limits due to the customer's profile. However, the limit is determined by individual credit analysis, not by the card material itself.
The information on this page is an estimate and may vary. Please check the specific terms and conditions of each card before applying.
