Credit card with investback: 2 options for you to compare! 

O credit card with investback is the trend of the moment, as the idea of building up an investment portfolio with bill spending appeals to many customers.

We currently have 2 proposals available on the Brazilian financial market, and in today's content we'll get to know each of them in detail.

So, if you're tired of spending on fees and want a card option that brings financial gains, stick around to find solutions!

What is an investback credit card?

You've probably heard a lot of advice about stopping using credit cards to ensure a healthy and positive financial life.

This negative popular view of credit cards is a reflection of the fees and interest rates, which mean that many people don't see any financial advantage in buying in installments.

However, what the owners of these opinions didn't count on was that one day the offer of credit card with investbackin which invoice expenses are converted into an application.

O credit card with investback is an ordinary credit card, but its distinguishing feature is that a percentage of the amount spent on the bill is converted into cashback, which in turn goes into an exclusive investment portfolio.

So, with this type of card, part of your spending comes back and is automatically transformed into an investment, which helps you build an investment portfolio.

It's worth mentioning that these cards require an initial investment amount, so you're already starting with an incentive to apply.

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Discover 2 card options with this proposal

There are countless cashback cards on the market, so customers have always been able to get their money back and do whatever they want with it, including investing it.

But we know that the practice of investing is still challenging for most people. In addition, many investment options require minimum investment amounts, which sometimes exceed R$ 100.

In this case, considering that cashback percentages on cards usually vary from 0.5% to 2%, the amount of the return is not always enough to apply immediately.

The good news is that with a credit card with investback you don't have to worry about this, as the application portfolio is exclusive and accepts even pennies.

Below you'll find details of 2 card options with this proposal. Check them out!

XP credit card 

XP Investimentos has launched its credit card with investbackThis is actually 2 different cards, the XP Visa Infinite and the XP Visa Infinite One.

The great advantage of these cards is that you can choose between investback, with rates of return from 0.5% to 1%, or, if you prefer, you can join the points system, where every dollar spent generates 2.2 points.

Check out the details of the proposal:

Initial investment

The initial investment of this credit card with investback varies according to the model, so:

XP Visa Infinite One: application portfolio from R$ 5,000 to R$ 49,999.

XP Visa Infinite: application portfolio from R$ 50 thousand.

Annuity

Both versions of the XP Visa Infinite are 100% annuity-free, so you don't have to worry about administration fees with this credit card with investback.

Cashback percentage 

The cashback rates for this card option vary according to the amount spent on the invoice, as follows:

• 0,5% cashback for invoices between R$ 1,500 and R$ 3 thousand;
• 1% cashback for invoices from R$ 3 thousand. In the case of XP Visa Infinite, there is no minimum spend, all invoices have a cashback of 1%.

Income

The yield on XP's investback securities corresponds to 100% of the CDI, and takes place in an exclusive investment portfolio.

Who can apply?

To apply for this card you need to be an XP Investimentos client, have a minimum investment amount and pass a credit analysis.

For more information, go to XP Visa Infinite Credit Card with Investback.

Rico credit card

If you want a credit card with investback to accompany you at all times, and that is affordable, the Rico credit card is an excellent proposal.

In addition to the easy investback option, this card also has the Visa Infinite flag, which grants exclusive advantages to travelers.

Check out the main information about this option:

Initial investment

With Rico's credit card with investback you don't have to worry about having a large investment portfolio, as the minimum initial investment is R$ 1 thousand.

Annuity

The Rico credit card is 100% annuity-free, so as well as earning from investback, you can also save on fees.

Cashback percentage 

The Rico investback credit card cashback percentage ranges from 0.5% to 1%, as follows:

• Invoice spending between R$ 1,500 and R$ 2,999 guarantees 0.5% cashback;
• Spending on invoices from R$ 3,000 guarantees 1% cashback.

Income

The return on the investback values takes place in an exclusive investment portfolio at Rico, and is equivalent to 100% of the CDI.

Who can apply?

To apply for this card you need to meet certain requirements, such as:

• Be a Rico Digital Account customer;
• Have an initial investment value of R$ 1 thousand;
• Obtain approval in the credit analysis.

Find out more about this proposal: Rico Visa Infinite Credit Card.

Is it worth signing up to this proposal?

Considering the proposal to form an investment portfolio in an easy way, the credit card proposal with investback could prove interesting.

This is because, as you use the card, the cashback you get helps to automatically build up an investment portfolio.

However, as with any credit proposal, it should be applied for with caution, as there are financial consequences in the event of default.

So evaluate the proposal carefully and remember to manage your credit products to ensure a healthy financial life.

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