{"id":37350,"date":"2024-07-27T01:31:10","date_gmt":"2024-07-26T22:31:10","guid":{"rendered":"https:\/\/valorizei.com\/?p=37350"},"modified":"2025-02-27T13:18:22","modified_gmt":"2025-02-27T10:18:22","slug":"cartao-de-credito-com-investback-2-opcoes-para-voce-comparar","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/cartao-de-credito-com-investback-2-opcoes-para-voce-comparar\/","title":{"rendered":"Credit card with investback: 2 options for you to compare!\u00a0"},"content":{"rendered":"

O credit card with investback<\/strong> is the trend of the moment, as the idea of building up an investment portfolio with bill spending appeals to many customers.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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

What is an investback credit card?<\/h2>\n\n\n\n

You've probably heard a lot of advice about stopping using credit cards to ensure a healthy and positive financial life.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

However, what the owners of these opinions didn't count on was that one day the offer of credit card with investback<\/strong>in which invoice expenses are converted into an application.<\/p>\n\n\n\n

O credit card with investback<\/strong> 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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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

++6 mistakes not to make with your emergency reserve - Valorizei<\/em><\/strong><\/a>.<\/em><\/strong><\/p>\n\n\n\n

Discover 2 card options with this proposal<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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

Below you'll find details of 2 card options with this proposal. Check them out!<\/p>\n\n\n\n

XP credit card <\/h2>\n\n\n\n

XP Investimentos has launched its credit card with investback<\/strong>This is actually 2 different cards, the XP Visa Infinite and the XP Visa Infinite One.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Check out the details of the proposal:<\/p>\n\n\n\n

Initial investment<\/h4>\n\n\n\n

The initial investment of this credit card with investback varies according to the model, so:<\/p>\n\n\n\n

XP Visa Infinite One:<\/strong> application portfolio from R$ 5,000 to R$ 49,999.<\/p>\n\n\n\n

XP Visa Infinite:<\/strong> application portfolio from R$ 50 thousand.<\/p>\n\n\n\n

Annuity<\/h4>\n\n\n\n

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.<\/p>\n\n\n\n

Cashback percentage <\/h4>\n\n\n\n

The cashback rates for this card option vary according to the amount spent on the invoice, as follows:<\/p>\n\n\n\n