Best Credit Cards 2023
Looking to start a relationship with a bank? Then the best option is a credit card with no annual fee.
With it, you won't have to commit to paying a fee, and you can even have some services to help you.
Credit cards with annual fees, on the other hand, can offer certain rewards, such as miles, cashback, or even airline tickets, for example.
In general, the best credit cards have values starting from R$1000 per year, with an annual fee, and go up to R$3000!
But if you're just starting out in the financial system and your credit score is still low, the best option is to start with credit cards that have no annual fee.
However, there are countless options available today, so pay attention to those that offer the best advantages.
We've selected the best credit cards of 2023 for you to check out:
1 - Nubank Credit Card
the card Nubank credit It's one of the most sought-after no-annual-fee credit cards today, and for good reason.
After all, it recently started offering a program called Nubank Rewards for those who want to pay monthly or annually to receive benefits.
It has no annual fee, and it is the pioneer and best-known card in this category currently in terms of annual fee exemption.
Furthermore, its app is very functional and minimalist. It's the card with the highest number of declared fans.
2 - Banco Inter Credit Cards
Currently, there are 3 types of credit card options available at Banco Inter: Gold, Platinum, and Black.
Each of them offers you an annual fee waiver, but in return, they offer you cashback.
- Gold - 0,25%;
- Platinum - 0,50%;
- Black - 1,00%.
When you open a digital account at this bank, you receive the first card, which is the Gold card.
However, if you invest more than R$50, you are upgraded to the Platinum category, or if your invoices exceed R$5 for 7 months.
The Black card, in addition to CashBack, also offers access to Loungekey VIP lounges.
But to get this card, you need to invest R$250 or have bills with expenses of R$7 for 7 months.
Aside from that, we mentioned the existence of a higher category called Win.
In this category of card for large investors, you get 1,25% cashback and all the benefits of the Black card, plus a dedicated account manager.
3 - Will Bank Credit Card
This digital bank is new, and its position is to be a direct competitor to Nubank. It's free of fees and has a simple and intuitive app.
Their services are free and have most of the basic features of all banks, and their card also has no annual fee.
4 - XP Credit Card
XP is offering a Visa Infinite card to its clients.
But to qualify, it has no annual fee and you'll need to have at least R$5 invested. It will give you 1% cashback on purchases and access to Dragon Pass VIP lounges.
5 - C6 Bank Credit Card
C6 Bank is one of the leading digital banks today. When you open an account, it offers a credit card with no annual fee under the Mastercard International brand.
However, depending on your transaction history, they may offer you the Platinum card, and both options include customizing the name on the card.
Your points program earns you 0,05 points for every real spent on credit, and 0,03 points for every real spent on debit.
There is a monthly payment plan where you can accumulate more points, in addition to earning more points by transferring your salary.
There is also the C6 Carbon Card. Mastercard Black, where it offers 2,5 points per dollar spent, plus 4 accesses per year to LoungeKey VIP lounges.
Carbon's annual fee is R$1200 per year; however, if you spend up to R$8 monthly, you are exempt, but if you spend up to R$4, you will have to pay 50% of the annual fee.
If you keep up to R$50 invested in CDB investments at the bank, the annual fee is waived.
6 - PicPay Credit Card
The PicPay card is one of the newest on the market.
It works as both a credit and debit card and can be requested through the PicPay app. It offers up to 5% cashback on some in-app services.
7 - Neon Credit Card
The Neon credit card has no annual fee and uses the Visa network, offering international acceptance.
Most of the time, their limits are low, which isn't ideal, but it's easy to get approved.
8 - Bradesco Next Credit Card
As a digital arm of Bradesco, Next is currently issued under the Visa brand, in the International modality.
Your card has no annual fee, and you can opt for the platinum version with an annual fee, where you can earn 1,5 Livelo points for every dollar spent.
There are other advantages, however, its monthly fee is R$42,50. If you wish to be exempt, your invoices must exceed R$4500 monthly.
9 - Pão de Açúcar Visa International Credit Card
If you are a customer of the Pão de Açúcar supermarket chain, this is one of the best cards available.
The Visa International version has no annual fee and you can get discounts at the network. It's easy to get approved for and it's recommended to start with it if you want to upgrade to the popular Pão de Açúcar Itaucard Platinum.
The platinum card is the best in terms of points accrual in the country, and the only one that still earns 1 point for every 1 real spent.
It's not yet in dollars, but that will change, as the network has already announced that it will start awarding points in dollars sometime soon.
10 - Samsung Itaú Platinum Credit Card
This card is one of the easiest to get approved for, as it requires little income and has no annual fee.
It offers some special conditions for you to buy on Samsung's own website with lower interest rates for installment payments and exclusive discounts for users with the card.
There is a points program called Lupp, where, by paying R$19,90, you will earn points for every real spent.
For more information, follow the Brazil 247.