Which credit card suits your needs?
Choose your profile below and see options that turn your spending into money in your account.
Daily use
Supermarket, pharmacy, fuel. Every purchase returns cashback directly to your account. No points, no conversion, no hassle.
CREDIT LIMIT OF +R$2.500 →I want my spending to be profitable.
Every purchase becomes an automatic investment. The money returns to an investment that earns interest — without you having to do anything.
CREDIT LIMIT OF +R$5.000 →I travel and I want real benefits.
Cashback of 1,25%, VIP airport lounges, zero IOF on international purchases, and a metal card. Zero annual fee for those who spend more than R$8k/month.
CREDIT LIMIT OF +R$10.000 →How much are you leaving on the table?
Using the right card is a way to make your money work for you. See a simple estimate of your potential annual return based on your monthly spending.
Cashback is a percentage of the value of each purchase that is returned to the customer. Some cards offer the amount directly into the account, while others invest it.
This small change in habit can generate significant savings over the course of a year, without requiring any extra effort beyond using the card you already have in your wallet.
For those looking to optimize their finances, choosing a card with an advantageous rewards program is a crucial step. The difference between R$0 and R$1.200 is considerable.
Frequently Asked Questions
Quick answers to the most common questions about cashback and investback cards.
Does the cashback appear automatically?
Yes, with most modern cards, cashback is credited automatically. It may appear as a credit on your bill, a balance in a digital account, or be invested in an investment fund, depending on the card's rules.
What is Investback?
Investback is a type of cashback where the money returned doesn't go into your checking account, but rather into a pre-defined investment fund. It's a way to automatically contribute to your investments through your spending.
How do I get rid of the annual fee?
The rules vary. Some cards are free of annual fees forever, without conditions. Others require a minimum monthly spend (such as R$5,000 or R$8,000) or a minimum amount invested in the associated brokerage to grant the exemption.
Which is better for someone who spends R$5k/month?
For this spending range, a card that waives the annual fee starting at this amount and offers a good cashback percentage (above 1%) is ideal. Look for options that balance a good return with additional benefits you will actually use, such as access to VIP lounges or insurance.
Understanding the benefits of each card is the first step in making an informed decision that aligns with your financial goals.
Analyze your consumption profile and choose the option that best suits your lifestyle.
The credit limits mentioned are just examples, and final approval depends on each financial institution's policy.
Checking the full terms and conditions on the official website is always the best practice before applying for any financial product.
Many cards offer additional benefits that may not be listed here, such as travel insurance and extended warranties.
The right choice can represent real savings and a boost to your long-term investments.
This content is for informational purposes only. Credit approval, limits, and benefits are subject to the analysis and policies of each financial institution. Always consult the terms and conditions on the card issuer's official website before making any decision.
