XP Legacy Card: Investback, Easy Approval, and No Annual Fee

The XP Legacy Card is XP's most exclusive card, designed for those with a significant amount of assets invested on the platform.

Here you can understand how Investback works, what the benefits are, how much it costs, and whether it suits your profile.

Benefits of the XP Legacy Card

• Investback greater

  According to information released, Investback is around 1.5% for domestic purchases and can exceed 5% for international purchases.

• Points per dollar

  Those who prefer points can accumulate around 3 points per dollar on domestic purchases and up to nearly 10 on international purchases.

• VIP Lounges

  Access to over 1,300 VIP airport lounges through the DragonPass network, with the right to bring guests according to the card's rules.

• Metal card and concierge

  The card is made of metal and includes an exclusive concierge service for Legacy clients.

• Visa Benefits

  Insurance and benefits from the card network, such as travel insurance and purchase protection, are subject to Visa rules.

• Integration with XP

  Everything is in the same app as your investments, making it easy to track expenses, Investback, and net worth.

✓ Tip: If you travel abroad frequently, Investback and the higher points earned on international purchases are the biggest advantages of the Legacy card. Calculate your costs based on your actual spending.

Legacy is suitable for customers with assets starting from approximately R$ 1 million invested in XP.

Unlike the XP Visa Infinite, it There is an annual fee.. The figures released are around R$ 4,200 per year (approximately R$ 350 per month), with the possibility of a discount or exemption for those with higher net worth or who spend a lot on the card.

Since these rules change frequently, confirm the exemption amount and conditions directly with XP before applying.

For those who already have a high net worth at XP, spend a lot on their card, and travel frequently, the Legacy card can offset the annual fee with Investback, points, and VIP lounge access.

If your spending is lower or you want a card with no annual fee, the XP Visa Infinite is usually the most balanced choice within the XP range.

The best decision comes from comparison: add up what you would earn in a year and compare it to the cost of the card.

⚠ Warning: Many sources confuse XP Legacy with XP Visa Infinite. The zero annual fee and the requirement of R$ 50,000 are specific to Visa Infinite, not Legacy. Investback percentages and points may also change with new campaigns and rules.

Do you want to see the current conditions?

Check out the details of the XP Legacy Card on the official website and see if it matches your financial goals.

Approval is subject to credit analysis and investment profile.

The XP Legacy Card is a high-income product: it requires significant net worth and charges an annual fee, but delivers above-average Investback and points, VIP lounges, and exclusive services.

For those who already fit this profile and make good use of the benefits, it can be a great tool. For others, the XP Visa Infinite tends to be the more advantageous option.