Credit Card with limit – 7 options that are not prepaid!

In this article, you will see 7 options for cards that are not prepaid. These cards are made available with a limit defined by the institution responsible for each card. Check out these options and understand how the limit is set for each credit card!

The credit card is one of the items most used by Brazilians when paying for their purchases and the amount cannot exceed the limit offered.

The credit card limit is the balance stipulated by the card company so that the customer can spend until the invoice is closed.

Credit cards generally do not have a set value, this will depend on the profile of the customer who requested the card.

The limit offered for your credit card depends on a credit analysis carried out by the bank. This analysis will take into account your credit history, your Serasa Score and assess whether you are a good payer.

At the end of the analysis, the bank decides how much credit it will release as a limit for your card.

1) Nubank Credit Card with Guaranteed Limit

How does it work?

A secured credit card requires a deposit to activate the credit function, but it is not the same as a prepaid card. The amount deposited serves as collateral and this amount is converted into a limit.

The Nubank credit card with guarantee allows anyone to obtain the card, even people with negative credit or no credit history.

Those who choose the secured card option do not have a pre-approved limit. To have a limit, you need to deposit an amount into your account.

The Nubank guaranteed card invoice works in the same way as conventional card invoices, bringing together all the information on purchases made using the credit function.

What are the advantages?

The advantages of the Nubank credit card with guarantee are:

• Allows you to pay for purchases in installments;
• Financial control;
• Possibility of withdrawing the deposited amount that was not consumed;
• Generates credit history;
• Tariff free;
• No annual fee;
• Autonomy to deposit or withdraw an amount from your limit;
• Access to purchases on credit.

How to apply?

It's very simple to request the secured credit option for your credit card, if you're already a Nubank customer, check it out:

1. On the home screen of your Nubank app, tap on the “Add limit” option;
2. Choose the amount you want to transfer from your Nubank account to your card limit;
3. After reading the terms and conditions, if you agree, accept;
4. Confirm the added limit with your password;
5. All done!

To apply for a Nubank guaranteed credit card, you must be at least 18 years old, provide your CPF number and register an email address.

Important details about the Nubank Credit Card with Guarantee

Flag	MasterCard
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	Between 2,75% and 14% per month

2) PICPAY

How does it work?

PICPAY has the PICPAY Card option, two in one, which works as a debit and credit card, with no annual fee. The card is international, but to activate this function you need to call the Customer Service Center.

The credit function has Cashback, up to 5% of your money spent on purchases comes back to you. This also applies to online purchases on national and foreign websites.

All transactions and services are viewed through the app, as well as your balance. The bill is paid online, through the app.

What are the advantages?

The advantages of having the PicPay Card are:

• Up to 5% cashback;
• No annual fee;
• Free of maintenance fees;
• 2 in 1, working as debit and credit;
• Payments by Qr code;
• Contactless payments;
• Integration with Pix;
• Possibility of paying bills in installments;
• Pay at any establishment that accepts MasterCard.

How to apply?

The PICPAY Card request is made through the app itself. To request the card, you must create an account with PicPay and select the “Request card” option on the app’s home page.

When opening an account on the app, you must send a selfie with a photo ID, which can be your ID or driver's license.

Important details about the PICPAY credit card limit

Flag	MasterCard
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	6,38% per month

3) Credit Card with Click Itaú Limit

How does it work?

Each time you use your Click card you earn a point. When you accumulate 5 points, you can exchange them for exclusive promotions on partner websites or various services and products, or you can exchange the points for discounts.

The limit on your Click Itaú credit card can reach up to R$10,000.00. To have your limit at this amount, simply use your card every month, pay the bill by the due date and keep your name clean.

What are the advantages?

The advantages of using the Click Itaú credit card with a limit are:

• No annual fee;
• Your limit may increase from the third month onwards;
• You will be able to count on the facilities of the Itaucard App;
• Digital wallet;
• Temporary or recurring Virtual Card;
• Earn 3 points for every R$ 1 spent at iupp shopping mall;
• Contactless payment card;
• Choose between the flags: MasterCard Platinum or Visa Platinum

How to apply?

You can request it on the Itaú Cartões website, or on the Itaucard app, fill out the form and keep an eye on your email, as this is where you will follow the next steps.

Always keep your registration updated with your monthly income.

Important details about the Click Itaú credit card with limit

Flag	Visa Platinum or Mastercard Platinum
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	12,16% per month

4) Meliuz

How does it work?

Méliuz is a credit card with no annual fee that gives you up to 1.8% back on the amount spent. You can even earn cashback at non-partner stores.

To get part of your money back, it's very simple, just always use your Méliuz cashback card.

The cashback amount for purchases appears on your statement, and after your invoice is closed, the total amount will appear, which is confirmed after payment.

You will be able to redeem the amount after reaching R$ 20 of available balance in your Méliuz account.

What are the advantages?

Check out the advantages of using the Méliuz credit card to pay for your purchases or services:

• Card with cashback on all purchases;
• Zero annual fee;
• Extra bonus;
• International credit card;
• MasterCard Surpreenda rewards program.

How to apply?

To apply for your Méliuz credit card, go to the institution's website and click on the “I want my card” option. On this same page, you will be able to track the status of your application.

It is not necessary to send any documents or proof at the time of the request, just fill out the entire proposal.

Important details about the Méliuz credit card with limit

Flag	MasterCard International
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	From 18,24% per month

5) Credit Card with Neon Limit

How does it work?

The Neon limit card works like any card with debit and credit functions. There is no standardized limit, each customer will have a limit value, which will depend on their profile analysis.

When you apply for a Neon credit card, the financial institution analyzes the movement and use of your account, the availability of your income, data related to your CPF and measures a balance between the risk of releasing a limit, the capacity to grant the amount and the increase in the limit.

What are the advantages?

The advantages of having and using a credit card with a Neon limit are:

• Possibility of opening your account through the app;
• No maintenance fee;
• No annual fee;
• No fee for issuing your card;
• You can receive transfers from any bank;
• International Visa card;
• Virtual card for online purchases;
• Unlimited transfers between Neon bank accounts;
• 24-hour support via chat in the app.

How to apply?

To apply for your credit card with a Neon limit, you will need to install the Neon app on your phone and open an account. After this step, you will be able to apply for your card.

An analysis will be carried out so that your request is accepted.

To open a Neon account you must be at least 18 years old, have a legible ID or driver's license, be a resident of Brazil and have a regular CPF with the Brazilian Federal Revenue Service.

Important details about the Neon credit card

Flag	Visa
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	13.9% per month

6) Banco Original Mastercard International

How does it work?

Banco Original credit cards are an excellent choice for those looking to increase their purchasing power.

In addition to high acceptance, the cards offer some benefits from the brand itself, with the Mastercard Surpreenda points program and the Mastercard Global Service.

On the institution's website you will find a calculator to simulate the amount you can receive back as cashback, according to your monthly spending.

What are the advantages?

Advantages of being a Banco Original MasterCard Internacional customer and having a credit card from the institution:

• Card with free annual fee;
• Original Cashback;
• Multiple card, debit and credit;
• Internationally accepted;
• Withdrawals from the Banco24Horas network;
• Control and management of expenses through the app;
• Payment by Qr code;
• Virtual credit card for making online purchases.

How to apply?

To apply for a Banco Original Mastercard Internacional credit card, you must open a digital account in the institution's app. The card request can also be made via the app.

After the request, the bank may take up to 42 business days to approve your application. Once approved, the card will arrive at your address within 2 weeks.

Important details about the Banco Original Mastercard International credit card with limit

Flag	MasterCard
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	From 10,93% per month

7) Credit Card with C6 Bank Limit

How does it work?

There is no pre-defined initial limit for C6 Bank credit cards. The limit can vary from R$ 50 to R$ 2,000 reais. Your limit will be defined after an analysis that the bank carries out with each customer.

The bank analyzes your financial health, your financial history and your Serasa score. The higher your score, the greater your chance of getting a high limit.

Another option that C6 Bank launched is the CDB (Bank Deposit Certificate), which its customers can use to increase their limit. The minimum value is R$ 100 and the maximum is R$ 10,000. For every real invested, one real will be increased in your credit.

What are the advantages?

The advantages of the C6 Bank credit card are:

• Credit card with no annual fee;
• Global Account;
• Rewards program;
• Corporate and individual account;
• Yield of 118% in CDI;
• Free digital account;
• Contactless payments;
• Zero fee to invest;
• Up to 1 additional card at no cost;
• Mastercard Surpreenda Advantages.

How to apply?

You can apply for your 100% card online. Apply through the institution's website using the “Apply now” option or through the app, following the steps indicated. Your application will be subject to a credit analysis to define your limit.

Remember that you need to have an account at C6 Bank to request your credit card with a limit.

Important details about the C6 Bank credit card with limit

Flag	MasterCard
Annuity	No annual fee
Do you accept people with bad credit?	Yes
Revolving interest	10.7% per month