Year in and year out, there is a subject that never goes out of style: what are the best options for credit cards with no annual fee. Faced with the wide variety and competition available on the market, it is very common for Brazilians to be in doubt about the best option.
To carry out this analysis, the main tip is to always consider what are the basic requirements that a card must have, and what your consumption profile is. For example: if you are a person who often travels, having a card that accumulates points that can be converted into miles can be a great option.
In view of this, we will show you below which are the best credit card options available on the market, which do not have an annual fee. Join the list.
Best 0 annuity credit cards in 2023
Below, check out our list of the best options available in the Brazilian market:
1. C6 Bank credit card
The C6 Bank credit card has no annual fee, and is issued under the Mastercard brand in the International and Platinum versions. In short, it is possible to customize the cards in different colors, and customers can engrave the name they want on the card.
The financial product is exclusive to account holders. In addition, it offers the accumulation of points, which you can exchange for cashback or miles. In the program, 100 points are equivalent to R$ 2 | 1,000 points = BRL 20 | 5,000 points = BRL 120 | 10,000 points = BRL 250.
Furthermore, it is worth mentioning that initially, the C6 Bank card has a limit between R$50 and R$2,500. However, it is worth mentioning that the release is made based on the financial profile of the customer.
2. Nubank credit card
Although the Nubank credit card with no annual fee does not have any points and cashback program, it deserves to be on this list. The reason? The efficient service via application that the bank has.
With the Mastercard brand, it is possible to shop at more than 30 million establishments, as well as enjoy Mastercard benefits. No wonder it is one of the most popular credit cards on the market.
The application is very functional, and offers many services: loan, insurance, income, among others. Finally, a major differential of the card is the fact that it releases a discount whenever the customer pays installments in advance.
3. Buscapé credit card
The Buscapé card is a very interesting credit card option, as it offers up to 2% cashback. Those who use the Buscapé credit card on the site, regardless of the amount, receive + 1% cashback. In addition, there is also the PAN cashback, which works like this:
- Monthly invoices worth less than R$750 do not receive cashback;
- Monthly invoices with an amount between BRL 750.01 and BRL 1,500.00, earn 0.5% cashback;
- Monthly invoices worth more than BRL 1,500.01 earn 1% cashback.
The card releases a limit of up to R$ 7 thousand, depending on the PAN analysis. In addition, the customer has access to Mastercard Gold benefits, such as, for example, if you find the same product at a lower price, after purchasing with the Buscapé card, the company will refund you the difference.
4. Rappi Visa Gold credit card
The Rappi credit card is available in Gold and Infinite versions. In short, the Gold version offers 2% cash back on purchases in the delivery app and 0.5% on other expenses, and has no annual fee. Meanwhile, Infinite offers 1% cashback for all purchases and 3% for Rappi purchases, but has an annual fee.
The card is controlled through the Rappi application, which provides personalized support with your Personal Banker. In addition, you have access to car rental insurance, emergency withdrawal, price protection and purchases.
5. XP Visa Infinite One Card
XP offers a Visa Infinite card with no annual fee, as long as the customer has at least R$5,000 in investments at the brokerage firm. The card offers 1% cashback on all purchases and up to 4 annual access to Dragon Pass VIP lounges.
In addition, the customer has exclusive service, and can request up to 6 additional cards for free. Parallel to this, the client has access to insurance, concierge, extended warranty and more. It is also possible to use your equity with XP as a guarantee in the event of non-payment of the invoice.
6. Mercado Pago credit card
The Mercado Pago Visa Internacional credit card is available to Mercado Pago digital account customers. This product has no annual fee, and makes it easy to buy in installments and without any fee.
The digital account has a yield of 100% of the CDI, above the savings. In addition, the card has international coverage, approximation payment, and virtual card. Account management takes place entirely via the app.
Another incredible differential is that when shopping at Mercado Livre, it is possible to pay in up to 18 interest-free installments. Another great advantage is that with this card, purchases on Mercado Livre and Mercado Pago are worth twice as many points in the Mercado Pontos program.
7. Samsung Itaú Visa Platinum Card
The Samsung card has a free annual fee, and allows you to exchange points for products and services. In short, the more you pay with the card, the more you earn:
- Level Bronze: Earn 10 points per purchase;
- Silver Level: Earn 11 to 20 points per purchase;
- Gold Level: Earn 21 to 30 points per purchase.
By paying BRL 19.90 per month, you have access to Samsung Plus, a points program. You earn 1 lupp point for every BRL 4 spent on purchases using the credit function. In addition, you have exclusive discounts and installments on smartphones in the Samsung virtual store.
In addition, it is possible to have emergency withdrawals at Itaú, Rede Banco24Horas or ATM ATMs. Finally, the card allows you to pay the bill in up to 24 fixed installments.
