Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Brazil in 2026? We hold verified data on 31 credit cards in Brazil and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Brazil. It is the set Buzdy has verified data for, from 8 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Brazil
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Inter Black Mastercard | Banco Inter | No annual fee | 23.88% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 2. C6 Platinum Mastercard | C6 Bank | No annual fee | 35.88% per month | Rewards points, Travel benefits, Dining offers, Digital wallet | View → |
| 3. Caixa Elo Básico | Caixa Econômica Federal | No annual fee | 47.88% per month | Digital wallet, Shopping offers | View → |
| 4. Nubank Mastercard Standard | Nubank | No annual fee | Not published | Digital wallet, Supplementary cards | View → |
| 5. BB Visa Infinite | Banco do Brasil | Not published | Not published | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 6. Bradesco Visa Infinite | Bradesco | Not published | Not published | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 7. Itau Visa Infinite | Itau Unibanco | Not published | Not published | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 8. Porto Bank Visa Infinite | Porto Seguro | BRL 1,200 | 23.88% per month | Airport lounge, Rewards points, Travel benefits, Digital wallet | View → |
| 9. Inter Platinum Mastercard | Banco Inter | No annual fee | 27.48% per month | Cashback, Rewards points, Digital wallet | View → |
| 10. C6 Mastercard Standard | C6 Bank | No annual fee | 41.88% per month | Rewards points, Digital wallet | View → |
| 11. Caixa Visa Platinum | Caixa Econômica Federal | BRL 420 | 35.88% per month | Rewards points, Travel benefits, Dining offers, Digital wallet | View → |
| 12. Nubank Mastercard Gold | Nubank | Not published | Not published | Rewards points, Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. BB Ourocard Platinum | Banco do Brasil | Not published | Not published | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 14. Bradesco Elo Nanquim | Bradesco | Not published | Not published | Airport lounge, Rewards points, Dining offers, Digital wallet | View → |
| 15. Itau Platinum | Itau Unibanco | Not published | Not published | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
The 15 Credit Cards in Detail
1. Inter Black Mastercard
Bank: Banco Inter
- Annual fee: No annual fee
- Interest rate: 23.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Digital wallet
The Inter Black Mastercard is a premium card with 1% cashback on all purchases, airport VIP lounge access, travel insurance, and a 24-hour concierge. Zero annual fee makes it one of Brazil's best free Black cards with Mastercard Black benefits.
2. C6 Platinum Mastercard
Bank: C6 Bank
- Annual fee: No annual fee
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Digital wallet
The C6 Platinum Mastercard combines zero annual fees with premium perks including travel insurance, C6 Tag for automatic toll payments, and rental car protection. Points never expire and can be converted to airline miles or used as statement credit.
3. Caixa Elo Básico
Bank: Caixa Econômica Federal
- Annual fee: No annual fee
- Interest rate: 47.88% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers
The Caixa Elo Básico is an entry-level credit card with no annual fee, accepted at over 10 million merchants in Brazil and 185 countries via Discover partnership. Ideal for everyday purchases with the security of chip and PIN technology.
4. Nubank Mastercard Standard
Bank: Nubank
- Annual fee: No annual fee
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Digital wallet, Supplementary cards
The Nubank Mastercard Standard is an accessible no-annual-fee credit card from Nubank in Brazil, offering real-time spending tracking, flexible installment payments, and the ability to use credit for Pix and bill payments. It integrates with Apple Pay, Google Pay, and Samsung Pay digital wallets.
5. BB Visa Infinite
Bank: Banco do Brasil
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
BB top card with unlimited LoungeKey access, Ponto pra Voce rewards, and comprehensive travel protection.
6. Bradesco Visa Infinite
Bank: Bradesco
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment
The Bradesco Visa Infinite is a premium credit card from Bradesco in Brazil, offering VIP lounge access, a comprehensive rewards program through Livelo points, and complimentary travel insurance. Cardholders earn points redeemable for products, travel, and cash, along with exclusive dining discounts through Programa...
7. Itau Visa Infinite
Bank: Itau Unibanco
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Itau top-tier card with unlimited LoungeKey access, Sempre Presente rewards, and comprehensive travel insurance.
8. Porto Bank Visa Infinite
Bank: Porto Seguro
- Annual fee: BRL 1,200 (BRL 1,200/year)
- Interest rate: 23.88% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Digital wallet, Hotel offers
The Porto Bank Visa Infinite is the most exclusive Porto card with Visa Infinite lounge access, premium concierge, comprehensive insurance, and maximum PortoPlus earnings. Invitation-only for high-net-worth customers seeking top-tier financial services.
9. Inter Platinum Mastercard
Bank: Banco Inter
- Annual fee: No annual fee
- Interest rate: 27.48% per month
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Digital wallet
The Inter Platinum Mastercard provides 0.5% cashback, 24-hour personal assistant, and exclusive partner offers with zero annual fee. Requires BRL 50,000+ invested or BRL 6,000+ salary. Earn Inter Loop points convertible to airline miles or cashback.
10. C6 Mastercard Standard
Bank: C6 Bank
- Annual fee: No annual fee
- Interest rate: 41.88% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Digital wallet
The C6 Mastercard Standard is a no-annual-fee credit card with points that never expire. Earn rewards on every purchase and redeem for cashback or travel. Includes digital wallet support and contactless payment for convenient everyday use.
11. Caixa Visa Platinum
Bank: Caixa Econômica Federal
- Annual fee: BRL 420 (BRL 420/year)
- Interest rate: 35.88% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Travel benefits, Dining offers, Digital wallet, Entertainment
The Caixa Visa Platinum delivers premium benefits including Visa Platinum concierge service, enhanced travel insurance, and accelerated points earning. Enjoy higher credit limits, purchase protection, and exclusive access to entertainment and dining offers.
12. Nubank Mastercard Gold
Bank: Nubank
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Rewards points, Digital wallet, Shopping offers, Supplementary cards
The Nubank Mastercard Gold offers shopping-focused benefits with Mastercard Gold tier perks, real-time spending tracking, and flexible payment options including installments up to 12 times. Cardholders can use their credit limit for Pix, bill payments, and account top-ups directly through the Nubank app.
13. BB Ourocard Platinum
Bank: Banco do Brasil
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
Popular mid-premium card with limited lounge access, travel insurance, and Ponto pra Voce rewards.
14. Bradesco Elo Nanquim
Bank: Bradesco
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Dining offers, Digital wallet, Shopping offers, Entertainment
The Bradesco Elo Nanquim is an elite credit card on the Elo network, offering VIP lounge access at airports and a robust rewards program for Brazilian cardholders. It provides exclusive benefits through Bradesco's partnership ecosystem including dining discounts, cinema deals, and digital wallet compatibility.
15. Itau Platinum
Bank: Itau Unibanco
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
Mid-premium card with LoungeKey access, solid travel insurance, and Sempre Presente rewards program.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Brazil
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Banco Central do Brasil public register before you apply
Frequently Asked Questions: Credit cards in Brazil
What is the best credit card in Brazil for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Brazil?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Brazil?
Yes, most major banks in Brazil now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Brazil is supervised by Banco Central do Brasil. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in Brazil charge?
Of the 31 credit cards Buzdy lists for Brazil, 9 publish an annual fee amount, from BRL 96 to BRL 1,200 with a median of BRL 420. 7 are published as free and 15 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.
Can I get a credit card if I am self-employed in Brazil?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Brazil
- All banks in Brazil
- Bank branches across Brazil
- Credit Cards In Brazil 2026
- Personal Loans In Brazil 2026
- Savings Accounts In Brazil 2026
- Brazil EMI calculator
- Brazil savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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