The Best Credit Cards with No Annual Fees in Brazil

Credit cards with no annual fees are the ideal choice for those who want to enjoy benefits without worrying about extra fees.

Today, many banks and financial institutions offer free options, but with advantages that are just as good as traditional cards.

Here are the best no-annual-fee cards in Brazil, with details on benefits, requirements and how to apply for them.

1. Inter Gold Card

O Inter Gold Card, offered by Banco Inter, is one of the most popular options for those looking to save money. It is completely free of annual fees and also offers cashback directly into the digital account.

Main Benefits:

• 0.25% cashback on all purchases made on credit.
• Pay bills and top up your cell phone directly through the app without additional fees.
• Exclusive discounts at Shopping Inter.
• No maintenance or annual fees.

Requirements to Apply:

• Be a Banco Inter customer with an active digital account.
• Regular CPF and no outstanding financial obligations.

How to Request:
The card can be requested through the Banco Inter app. After opening a digital account, simply access the cards tab and place the order.

2. C6 Bank Card

O C6 Bank Card It is an excellent option for those looking for flexibility and customization. It has no annual fee and allows you to choose the color of the card, in addition to offering a free rewards program, Átomos.

Main Benefits:

• Earn points in the Átomos program at no additional cost.
• Customize the color of the card, including the transparent model.
• International purchases with competitive exchange rates.
• Complete management via the C6 Bank app.

Requirements to Apply:

• Be over 18 years old.
• Regular CPF with no restrictions.
• There is no minimum income requirement, but approval depends on credit analysis.

How to Request:
The card is requested directly through the C6 Bank app. The process is quick, and you can track the analysis directly in the app.

3. Nubank Card

O Nubank Card It is one of the best-known apps on the Brazilian market and has won over millions of users due to its simplicity and efficiency. With no annual fees, it offers full control via the app and highly praised customer service.

Main Benefits:

• No annual fee, no surprises on the bill.
• Full control of your limit and expenses via the app.
• Debit function available for customers with a Nubank account.
• Possibility of joining the Nubank Rewards rewards program (charged separately).

Requirements to Apply:

• Be over 18 years old.
• Regular CPF and no outstanding financial obligations.
• Credit analysis carried out by Nubank.

How to Request:
The request is made on the Nubank website or app. Registration is simple, and the analysis status can be monitored via the app.

4. XP Visa Infinite Card

O XP Visa Infinite Card combines the absence of an annual fee with exclusive advantages for investors. It is perfect for those who want to combine financial and travel benefits.

Main Benefits:

• 1% cashback for investments in XP.
• Visa Infinite benefits, such as insurance and access to VIP airport lounges.
• No annual fee for XP customers with a minimum invested balance.

Requirements to Apply:

• Have at least R$ 5,000 invested in XP Investimentos.
• Regular CPF with no restrictions.

How to Request:
The card is requested directly on the XP platform. If you are not yet a customer, you must open an account and start investing.

Comparison Between Cards Without Annual Fees

*No annual fee for XP customers with a minimum invested balance.

Advantages of No Annual Fee Cards

1. Economy: With no annual fees, you can save hundreds of dollars per year.
2. Ease: Full control of expenses through the app, with transparency and practicality.
3. Flexibility: Many cards with no annual fee offer additional benefits, such as cashback and points programs, making them ideal for different profiles.
4. Accessibility: These cards are available to customers with different income brackets, facilitating access to credit.

Tips for Choosing the Ideal No-Annual-Fee Card

1. Identify your goals: If you value cashback, rewards programs or travel benefits, choose a card that maximizes these perks.
2. Assess the need for hidden annuity: Confirm whether the card really has no annual fee or whether there are conditions for exemption.
3. Consider support and technology: Digital banks, such as Nubank and C6 Bank, offer an excellent experience through their app, which can be an important differentiator.
4. Check acceptance: Confirm that the card is widely accepted, both in Brazil and abroad, especially if you shop online or travel.

Credit cards with no annual fees are perfect for those looking for benefits without extra costs. Choose from the options presented and enjoy all the advantages these cards have to offer!