Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Brazil in 2026? We compared 15 credit cards from top banks in Brazil to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Banco Central do Brasil.
Quick Comparison: All 15 Credit cards in Brazil
Side-by-side comparison of every credit card option in Brazil as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. BB Ourocard Gold | Banco do Brasil | 14.00% per month | Shopping Discounts, Travel Benefits, Purchase Protec… | View → |
| 2. BB Ourocard Internacional | Banco do Brasil | 14.00% per month | Shopping Discounts, Purchase Protection, Chip/Pin, S… | View → |
| 3. BB Ourocard Platinum | Banco do Brasil | 14.00% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 4. BB Visa Infinite | Banco do Brasil | 14.00% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 5. Inter Black Mastercard | Banco Inter | 1.99% monthly | — | View → |
| 6. Inter Gold Mastercard | Banco Inter | 2.49% monthly | — | View → |
| 7. Inter Platinum Mastercard | Banco Inter | 2.29% monthly | — | View → |
| 8. Bradesco Elo Nanquim | Bradesco | — | Shopping Discounts, Lounge Access, Dinning Benefits,… | View → |
| 9. Bradesco Gold | Bradesco | — | Shopping Discounts, Dinning Benefits, Internet Banking | View → |
| 10. Bradesco Platinum | Bradesco | — | Shopping Discounts, Internet Banking | View → |
| 11. Bradesco Visa Infinite | Bradesco | — | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 12. C6 Black Mastercard | C6 Bank | 2.49% monthly | — | View → |
| 13. C6 Carbon Mastercard | C6 Bank | 1.99% monthly | — | View → |
| 14. C6 Mastercard Standard | C6 Bank | 3.49% monthly | — | View → |
| 15. C6 Platinum Mastercard | C6 Bank | 2.99% monthly | — | View → |
Top 15 Credit Cards in Brazil (2026)
1. BB Ourocard Gold
Bank: Banco do Brasil
- Interest Rate: 14.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Chip/Pin, Supplementary Cards
Entry-level premium card with basic travel insurance and rewards earning across Brazil.
2. BB Ourocard Internacional
Bank: Banco do Brasil
- Interest Rate: 14.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Chip/Pin, Supplementary Cards
Basic international card for everyday purchases with foreign transaction capability.
3. BB Ourocard Platinum
Bank: Banco do Brasil
- Interest Rate: 14.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
Popular mid-premium card with limited lounge access, travel insurance, and Ponto pra Voce rewards.
4. BB Visa Infinite
Bank: Banco do Brasil
- Interest Rate: 14.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
BB top card with unlimited LoungeKey access, Ponto pra Voce rewards, and comprehensive travel protection.
5. Inter Black Mastercard
Bank: Banco Inter
- Annual Fee: BRL 0
- Interest Rate: 1.99% monthly
- Rewards: Inter Loop points
- Interest Free Days: Up to 40 days
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
6. Inter Gold Mastercard
Bank: Banco Inter
- Annual Fee: BRL 0
- Interest Rate: 2.49% monthly
- Rewards: Inter Loop points
- Interest Free Days: Up to 40 days
The Inter Gold Mastercard is a free credit and debit card with no annual fee, 0.25% cashback on all purchases, and international acceptance. Perfect for everyday spending with Inter Loop points redeem
7. Inter Platinum Mastercard
Bank: Banco Inter
- Annual Fee: BRL 0
- Interest Rate: 2.29% monthly
- Salary/Eligibility: BRL 6,000 minimum
- Rewards: Inter Loop points
- Interest Free Days: Up to 40 days
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
8. Bradesco Elo Nanquim
Bank: Bradesco
- Benefits: Shopping Discounts, Lounge Access, Dinning Benefits, Entertainment Benefits
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 throu
9. Bradesco Gold
Bank: Bradesco
- Benefits: Shopping Discounts, Dinning Benefits, Internet Banking
The Bradesco Gold card is an entry-level rewards credit card offering Livelo points accumulation, digital wallet compatibility with Apple Pay, Google Pay, and Samsung Pay, and a virtual card for safe
10. Bradesco Platinum
Bank: Bradesco
- Benefits: Shopping Discounts, Internet Banking
The Bradesco Platinum credit card offers a solid rewards program through Livelo, 50% discount at Cinemark cinemas, and digital wallet support including Apple Pay and Google Pay. It provides a virtual
11. Bradesco Visa Infinite
Bank: Bradesco
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits
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. Card
12. C6 Black Mastercard
Bank: C6 Bank
- Annual Fee: BRL 504/year
- Interest Rate: 2.49% monthly
- Rewards: 2.5x points per dollar
- Interest Free Days: Up to 40 days
The C6 Black Mastercard earns up to 2.5 points per dollar spent with VIP airport lounge access worldwide. Features comprehensive travel insurance, concierge service, and points that never expire. A pr
13. C6 Carbon Mastercard
Bank: C6 Bank
- Annual Fee: BRL 1,200/year
- Interest Rate: 1.99% monthly
- Rewards: 3.5x points per dollar
- Interest Free Days: Up to 40 days
The C6 Carbon Mastercard offers up to 1.7% cashback on all purchases with up to 3.5 points per dollar. Includes VIP lounge access, comprehensive travel insurance, and premium concierge services. An ul
14. C6 Mastercard Standard
Bank: C6 Bank
- Annual Fee: BRL 0
- Interest Rate: 3.49% monthly
- Rewards: Points never expire
- Interest Free Days: Up to 40 days
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 contactle
15. C6 Platinum Mastercard
Bank: C6 Bank
- Annual Fee: BRL 0
- Interest Rate: 2.99% monthly
- Rewards: Points never expire
- Interest Free Days: Up to 40 days
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 conver
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 — all products listed are from banks regulated by Banco Central do Brasil
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 all 15 options on this page.
What credit score do I need for a credit card in Brazil?
Most banks in Brazil require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Banco Central do Brasil. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Brazil?
Fees vary by tier and bank: classic cards typically R$ 0–1,500/year, gold R$ 1,500–3,000, platinum R$ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee 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 (typically R$ 500–2,000), 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.
Sign in with Google to join
