Refpo Credit Cards

Best Credit Cards in Brazil

Browse country-specific cards and compare fees, rewards, and benefits.

XP Investimentos / Visa Infinite

XP Visa Infinite Cashback

Zero-annual-fee XP Infinite Visa Infinite card for Brazilian investors, offering up to 1.5% Investback or up to 3.0 XP points per dollar with Turbo Benefícios, 4 airport lounge accesses per year, dynamic credit limit linked to investments, Visa Infinite benefits and partner offers inside the XP app.

Zero annual fee forever
Up to 1.5% Investback with Turbo Benefícios
Up to 3.0 XP points per dollar with Turbo Benefícios

Joining fees

R$ 0

Renewal fees

R$ 0

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Nu Pagamentos S.A. / Mastercard Black

Nubank Ultravioleta

Premium Nubank Mastercard Black card for Brazilian high-income clients, offering 1.25% cashback or points from 2.2 points per dollar, IOF zero on international purchases, 4 Priority Pass visits per year, unlimited access to the Nubank Ultravioleta Lounge at Guarulhos, Nu Viagens rewards and Mastercard Black protections.

Premium Nubank Mastercard Black card
25% cashback on credit purchases
From 2.2 points per dollar spent

Joining fees

R$ 89 per month

Renewal fees

R$ 89 per month

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BRB Banco de Brasília S.A. / Visa Infinite

BRB DUX Visa Infinite

Ultra-premium BRB Visa Infinite card for high-income Brazilian clients, offering 5 points per US$1 on domestic purchases, 7 points per US$1 on international purchases, 10,000 activation points, unlimited airport lounge access, DUX Experience benefits, Visa Infinite protections, concierge service and annual fee discount opportunities.

Ultra-premium BRB Visa Infinite card
5 points per US$1 on purchases in Brazil
7 points per US$1 on international purchases

Joining fees

R$ 0 for the first 3 months, then 12 x R$ 400 = R$ 4,800 per year

Renewal fees

12 x R$ 400 = R$ 4,800 per year

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Banco Santander Brasil S.A. / Visa Infinite and Mastercard Black

Santander Unlimited Black

Premium Santander Brasil card for high-income and Private clients, offering up to 3.6 Esfera points per dollar for Select clients, higher rates for Private clients, points that never expire, free and unlimited airport lounge access, up to 7 additional cards per brand with no annual fee, protected card insurance, Visa Infinite and Mastercard Black benefits, and annual fee exemption opportunities.

Premium Santander Unlimited card for high-income clients
Duo offer with Visa Infinite and Mastercard Black benefits
Up to 3.6 Esfera points per dollar for Select clients

Joining fees

12 x R$ 183.33

Renewal fees

12 x R$ 183.33

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BRBCard

Cartão Petrobras Premmia BRB

Fuel-focused Visa Gold credit card from BRBCard and Petrobras Premmia offering annual fee exemption, Petrobras rewards and digital account management.

Permanent annual fee exemption
Petrobras Premmia rewards
Rewards at Petrobras stations

Joining fees

R$ 0

Renewal fees

R$ 0

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Banco do Brasil / Visa Infinite

Banco do Brasil Altus Liv

Premium Banco do Brasil Visa Infinite card for high-income clients, offering up to 4.00 Livelo points per US$1, the option to choose points, cashback or investments, IOF Zero on international purchases, unlimited airport lounge access through Visa Airport Companion and LoungeKey, 12 annual companion lounge visits and Visa Infinite travel and purchase benefits.

Premium Banco do Brasil Visa Infinite card
Up to 4.00 Livelo points per US$1
00 Livelo points per US$1 on domestic purchases for bills up to R$ 15,000

Joining fees

12 x R$ 300 = R$ 3,600 per year

Renewal fees

12 x R$ 300 = R$ 3,600 per year

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Itaú Unibanco / Mastercard Black

Itaú Personnalité The One Mastercard Black

Ultra-premium Itaú Personnalité Mastercard Black card for high-income Brazilian clients, offering 3 points per dollar on domestic purchases, 3.5 points per dollar on international purchases, points that never expire, unlimited LoungeKey access, 12 annual guest lounge accesses, The Assistant 24-hour personal service, luxury hotel and restaurant benefits, and Mastercard Black protections.

Ultra-premium Itaú Personnalité Mastercard Black card
First Itaú Personnalité metal card
3 points per dollar on domestic purchases

Joining fees

12 x R$ 333.34 = R$ 4,000 per year

Renewal fees

12 x R$ 333.34 = R$ 4,000 per year

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Itaú

Itaú Empresas Visa Infinite

Itaú Empresas Visa Infinite is a premium business credit card for companies in Brazil, offering points on domestic and international spending, Visa Infinite travel benefits, lounge access and digital card management for business expenses.

Premium Visa Infinite business card for Brazilian companies
Designed for small and medium businesses
2 points per US$1 on domestic purchases

Joining fees

Not specified

Renewal fees

Not specified

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Banco do Brasil / Petrobras Premmia / Visa

Cartão Petrobras Banco do Brasil

Petrobras and Banco do Brasil co-branded Visa credit card for Brazilian fuel users, offering zero annual fee, Premmia points on Petrobras station spending, extra points at BR Mania and Lubrax+, bill-credit redemption, up to 4 additional cards and Visa benefits for everyday purchases.

Dedicated Petrobras fuel rewards credit card
Zero annual fee for life
2 points per R$1 at Petrobras stations

Joining fees

R$ 0

Renewal fees

R$ 0

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Banco Inter

Inter Empresas Cartão de Crédito Empresarial

Inter Empresas Cartão de Crédito Empresarial is a no-annual-fee business credit card for companies in Brazil, designed for daily business spending, online purchases, expense control and digital card management through the Inter Empresas account.

No annual fee business credit card
Designed for Brazilian companies
Useful for MEI and PJ customers

Joining fees

R$ 0

Renewal fees

R$ 0

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Banco BTG Pactual S.A. / Mastercard Black

BTG Pactual Ultrablue

Premium BTG Pactual Mastercard Black card for high-income clients, offering up to 1.7% cashback or up to 3.5 points per dollar spent, unlimited Dragonpass lounge access, IOF Zero on international purchases, concierge service, insurance benefits, vehicle tag discounts and exclusive lifestyle advantages.

Premium Mastercard Black card from BTG Pactual
Up to 1.7% cashback
Up to 3.5 points per dollar spent

Joining fees

R$ 400 per month

Renewal fees

R$ 400 per month

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Compare

Compare Cards

Card 1Card 2

Field	XP Visa Infinite Cashback	Nubank Ultravioleta
Bank/provider	XP Investimentos / Visa Infinite	Nu Pagamentos S.A. / Mastercard Black
Joining fee	R$ 0	R$ 89 per month
Renewal fee	R$ 0	R$ 89 per month
Best for	Brazilian investors with at least R$ 50,000 invested at XP Users wanting a zero-annual-fee cashback card People who prefer Investback instead of traditional cashback	Brazilian users who want simple cashback on all credit purchases Nubank customers who can meet the monthly fee waiver criteria Travellers who use Priority Pass lounges and the Guarulhos Ultravioleta Lounge
Reward rate	Up to 1.5% Investback with Turbo Benefícios Up to 3.0 XP points per dollar with Turbo Benefícios Choice between XP points and Investback Partner offers with extra Investback in the XP app benefits center	1.25% cashback on credit purchases From 2.2 points per dollar spent 2.2 LATAM Pass miles per dollar spent in Modo LATAM Pass 10% bonus miles on automatic LATAM Pass transfers
Cashback	Up to 1.5% Investback with Turbo Benefícios Investback is linked to the XP investment ecosystem Partner brands may offer extra Investback through the XP app benefits center Cardholder can choose between accumulating Investback or XP points	25% cashback on credit purchases 5% cashback on flights and hotels booked through Nu Viagens Cashback is available instantly Cashback balance does not expire
Lounge access	4 airport lounge accesses per year Visa Airport Companion access through DragonPass Additional cards can also receive lounge access according to card category	4 free Priority Pass visits per year to more than 1,700 lounges worldwide Unlimited access to Nubank Ultravioleta Lounge at Guarulhos International Airport Terminal 3 Nubank Ultravioleta Lounge access is for eligible international departures
Fuel surcharge waiver	Not available	Not available
Welcome benefit	Not specified	Not specified
Annual fee waiver condition	Zero annual fee forever Up to 6 additional credit cards at no cost	Monthly fee waived with more than R$ 8,000 in monthly credit card spending Monthly fee waived with R$ 50,000 saved or invested at Nubank Monthly fee is R$ 89 when waiver criteria are not met
Eligibility	Minimum R$ 50,000 in liquid investments with XP Active XP account Approval after XP credit analysis	Active Nubank customer or new applicant in Brazil No fixed minimum income rule listed by Nubank Approval after automatic Nubank credit analysis
Apply link	Apply Now	Apply Now

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