Credit card investment account
Investment account with credit card: discover our selection!
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Investments and credit cards are two topics that are always on the agenda in the financial market.
This is because the number of people seeking credit has increased in recent years. However, the number of Brazilians interested in starting to invest has also increased.
So why not combine business with pleasure?
There are many digital accounts where you can invest and also have access to credit services.
Continue reading and discover our suggestions!
Best investment account with credit card
In this topic you will find some alternative accounts where you can invest and have access to credit cards.
Furthermore, they are easy and simple to use and offer many benefits to their customers.
Check it out!
1. C6 Bank
C6 Bank is a digital account with an investment platform. It has different credit card models.
However, the ideal alternative for those who want to start investing and have a credit limit at the same time is CDB Credit Card C6 Bank.
With this alternative you can have an instant credit limit: for every R$1 invested in CDB, you earn R$1 of additional credit limit on your credit card.
It is possible to invest from R$100,000 to R$25,000,000 and the amounts can be withdrawn whenever you wish, as long as they are not committed to purchases on the card.
However, when the amount is redeemed, the credit card limit also becomes unavailable. But you can easily have a fixed credit limit at C6 Bank.
Among the main advantages offered by this credit card, we can highlight the Átomos points program.
With it, you can accumulate up to 28 points on purchases made on credit and you can even earn extra bonuses.
Points, in turn, can be exchanged for cashback, discounts on products and airline tickets, for example.
The C6 Bank credit card CDB yields 100% of the CDI. In addition, you have the option of paying for your purchases in installments.
This service is also a great alternative for those who want to increase their credit card limit.
Other than that, it's a way to start investing and have credit available.
2. XP Investments
The XP investment brokerage also offers credit cards to its investors.
To apply for one, you must have an active account and investments of over R$1,400,000. In addition, the applicant must undergo a credit and registration analysis.
There are currently two different versions: XP Visa Infinite and XP Visa Infinite One, and some benefits may vary depending on the version.
Among the main advantages that the XP Visa Infinite credit card offers, we can highlight, for example:
- Investback of up to 4%;
- Six free additional cards;
- Zero annual fee;
- Benefits offered by the brand;
- Exclusive service;
- Contactless technology;
- Dragon Pass VIP Lounges.
XP Investimentos is one of the best investment platforms in Brazil. Its CDB currently yields 200% of the CDI.
In addition, you can build a profitable, diversified and secure portfolio. Open yours investment account with credit card node site or XP app.
3. PagBank
Pagbank has an investment platform linked to its digital account and credit card.
It also offers a CDB credit card, but it has different rules than C6 Bank. The first of these is that you can apply to any PagBank CDB.
This way, you can choose the best investment.
The card has no annual fee, and the amount invested can be withdrawn whenever you want, as long as the limit is not used up for purchases.
The credit card limit may also be higher, as it applies to investments in CDBs of up to R$1,400,000.
Another difference is that with PagBank you can invest from R$1. To start investing and have a credit limit without credit analysis, download the app and open your account.
However, if you want a credit card with a fixed limit, you can also apply for one and invest your money in other financial products.
4. Investment account with Nubank credit card
Many people know Nubank, but they don't know that it also has an investment platform linked to the digital account.
In fact, NuInvest is the result of the merger between Nubank and the EasyInvest securities brokerage firm.
The Nubank credit card has no annual fee and offers many advantages to its customers.
Other than that, it is possible to get credit even if you have a negative credit score or a low score, but you need to use Limit Construction.
Furthermore, it is important to be seen as a good payer on the app, so use the services and products that Nubank offers and transfer your salary to the app.
The Nubank app is a great tool for those who want to learn financial education, save, invest and thus achieve their financial goals.
There, you will find many services and products that can help you have a better relationship with money.
The investment platform does not charge brokerage fees, and you can become an investor from just R$100.00.
5. Modal Plus
Banco Modal is a Brazilian investment bank. It has a credit card designed for investors.
There are three different versions: Visa Internacional Classic, Platinum and Infinite. Each of them offers different benefits and has distinct characteristics.
See below a comparison of the versions.
| Advantages | Classic International Modal | International Platinum | Infinite International |
| Motion Code anti-fraud technology | ❎ | ✅ | ✅ |
| Modal Mais Rewards Program | 0.75% of the value of your purchases in points that expire after 2 years. | 1.1% of the value of your purchases in points that expire after 3 years. | 1.5% of the value of your purchases in points that never expire. |
| Cash Forward | Up to 1% | Up to 1.5% | Up to 2% |
| Go with Visa | ✅ | ✅ | ✅ |
| 4 free withdrawals per month | ✅ | ✅ | ✅ |
| Annuity | 0 | R$65.00/first three months free | R$100.00/first three months free. |
It is still possible to cancel the annual fee of the cards according to the expenses on the invoice. To find out all the benefits that each card offers and open an account, access the Banco Modal website.
6. Inter Bank
Banco Inter has a investment account with credit card. You can invest and have a credit card with a separate limit or invest in a CDB and have the investment amount converted into a credit card limit.
These are two different alternatives that certainly have pros and cons. With CDB + Credit Limit, you can invest any amount above R$100,000 and below R$25,000 to have a credit limit or increase your current limit.
In the case of corporate accounts, the maximum investment can reach R$1,400,000. The money saved and the income remain yours.
However, in the event of default of more than 5 days, that is, if you do not pay the card bill within 5 days after the due date, the investment money will be used to pay off the debt.
If you want to invest separately and have a credit card, you can do that too! The Banco Inter credit card has no annual fee and also gives you cashback.
In addition, it has international coverage and contactless technology. See how to request your card.
7. Investment account with BTG Pactual credit card
BTG Pactual is a complete bank and offers many services and products to its customers.
It has 38 years of history and is one of the most awarded banks in Latin America. It is certainly a great alternative for those looking for a investment account with credit card.
It offers three versions of credit cards, which are:
- Black;
- Advanced;
- Basic.
The Basic option does not charge an annual fee. It is a simpler card, perfect for everyday use.
Its flag is Mastercard Gold, so you can still enjoy the benefits it offers.
Other than that, it is still possible to sign up for a points and cashback program with the basic version.
If you want to have a version that costs more but offers more benefits, you can choose the Advanced or Black version.
Is it possible to invest with a credit card?
According to experts, investing with a credit card could become a trend among fintechs.
However, they also warn about the risks of this practice.
Recently, Banco Inter announced that its customers will be able to purchase financial products with their credit card.
Although it is a complementary alternative for those who do not have the resources at hand when making an investment, it can be risky for individuals.
This service has not yet been made available by Banco Inter, but it has raised some discussions among supporters.
Read the full article on the blog suno.com.br.
Conclusion
Having an investment account with a credit card is very advantageous, as you have the opportunity to concentrate your expenses and investments in one place.
In other words, you won't need to have an app for your credit card, another for your digital account and another for investing, for example.
The more complete the account is, the greater the time savings and control over your finances.
Not to mention, it also saves space on your device's memory.
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