The Best Credit Cards with Cashback in Brazil

Cashback credit cards have gained popularity in recent years as they offer real benefits to consumers, such as getting part of the amount spent back in the form of cash.

4. Bradesco Like Card

O Bradesco Like Card It is ideal for those who want to customize the benefits of their card. It allows you to choose the categories where you want to receive higher cashback, such as supermarkets, restaurants or fuel.

Main Benefits:

• 1% cashback on all purchases, with an increase to 4% in custom categories.
• Choose your preferred categories in the Bradesco Cartões app.
• Access to promotions and discounts from Bradesco partners.

Requirements to Apply:

• Minimum income of R$ 2,500.
• Regular CPF with no restrictions.
• Credit analysis carried out by the bank.

How to Request:
The request can be made at Bradesco website or at physical agencies. The customer fills out the form, presents the necessary documents and waits for the credit analysis.

1. Méliuz Card

O Méliuz Card is one of the pioneers in cashback in Brazil and continues to be one of the best options for those who want to save money. It offers up to 1.8% cashback in purchases, in addition to partnerships with stores that increase this percentage.

Main Benefits:

• Until 1.8% cashback accumulated in purchases made on credit.
• R$ 20 additional cashback after accumulating R$ 250 cashback for the first time.
• Exclusive partnerships with major brands, increasing cashback on online purchases.
• No annual fee.

Requirements to Apply:

• Be over 18 years old.
• Regular CPF with no restrictions.
• Minimum income not specified, but proof of income is recommended.

How to Request:
The request is made 100% online through the Méliuz website or app. Simply fill in your personal details, send the necessary documents and wait for the credit analysis.

3. XP Visa Infinite Card

O XP Visa Infinite Card It is a premium option for those looking for cashback combined with exclusive benefits. It returns part of the amount spent on purchases directly as credit for investments in XP, allowing the customer to make their money yield even more.

Main Benefits:

• 1% cashback on the total value of purchases.
• Cashback is automatically converted into investment balance.
• Visa Infinite benefits, such as airport lounges and travel insurance.
• No annual fee, as long as you are an XP customer with a minimum balance invested.

Requirements to Apply:

• Become an XP Investimentos client.
• Have at least R$ 5,000 invested in the XP platform.
• Regular CPF.

How to Request:
The card can be requested directly at XP platform, in the “Cards” tab. If you are not yet a customer, you will need to open an account and start investing.

Comparison Between Cards

*No annual fee for customers with a minimum balance at XP.
**Amount may be exempt depending on monthly expenses.

Tips for Choosing the Ideal Cashback Card

1. Understand your consumption habits: If you spend more on supermarkets or fuel, look for cards that offer higher cashback in these categories.
2. Assess the need for annuity: Some cards have low or no annual fees, depending on your spending profile.
3. Consider the additional benefits: In addition to cashback, many cards offer benefits such as discounts in stores, access to VIP lounges or insurance.
4. Check compatibility with financial control apps: Cards that integrate with apps like Méliuz or PicPay can make it easier to track accumulated cashback.