Best business credit cards in Brazil
By Sofía Vargas (Editor-in-chief) · Reviewed by Sofía Vargas (Editor-in-chief) · Published · Reviewed
Also available in pt-BR on Brasil.
The Brazilian business segment was transformed by Clara, Cora and Jeeves: fully digital approval, real-time spend control and corporate cashback replaced the traditional model of high annual fees and approval against collateral. This guide compares the five most relevant options for startups, SMBs and consolidated companies.
Direct answer
For business — brazil, the strongest pick today is Clara White Brasil, according to the BestCardIn editorial review.
Quick answers
- What documents do I need for a business card in Brazil?
- Minimum: articles of association (contrato social), active CNPJ, proof of company address and document of the legal representative. Traditional banks additionally request balance sheets and recent DRE.
- Do business cards build company history or that of the partner?
- They build corporate history at SCR/Serasa Empresas. In some products (especially traditional banking), the partner signs as a guarantor and the history also affects their CPF.
- Can I deduct the annual fee of a business card?
- Yes, as long as the card is in the CNPJ's name and the fee is invoiced to the CNPJ. Consult your accountant on the treatment (deductible operating expense).
- What is the difference between a business card and a corporate card?
- Business cards are typically tied to a revolving line with monthly billing; corporate cards (such as Amex Corporate) operate with full payment each cycle and no revolving line. Clara, Cora and C6 operate in revolving business mode.
Selected cards
Clara White Brasil
Clara Brasil
Annual fee: No annual fee · Cashback: 2.00%
No annual fee, per-employee control, accounting export integrated with Conta Azul and Omie, and 2% corporate cashback. Most used option for Brazilian startups in 2026.
C6 Empresas
C6 Bank
Annual fee: No annual fee
C6 Bank's business card with no annual fee, native integration with the C6 corporate account and multiple additional cards at no cost.
Cora Crédito
Cora
Annual fee: No annual fee
Credit card from the SMB-focused fintech Cora; integrated spend control and automatic reconciliation with the Cora account.
Jeeves Brasil Corporate
Jeeves Brasil
Annual fee: No annual fee
Specialized in companies with international operations; multi-currency cards with no IOF and cashback in relevant business categories.
Ourocard Empresarial
Banco do Brasil
Annual fee: BRL 400.00
Traditional business card from Banco do Brasil for companies that need an in-person banking relationship; useful for SMBs that frequently require physical operations.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | Clara White Brasil | Clara Brasil | No annual fee | 2.00% |
| 2 | C6 Empresas | C6 Bank | No annual fee | - |
| 3 | Cora Crédito | Cora | No annual fee | - |
| 4 | Jeeves Brasil Corporate | Jeeves Brasil | No annual fee | - |
| 5 | Ourocard Empresarial | Banco do Brasil | BRL 400.00 | - |
The main difference between fintech and traditional bank business cards is the approval model. Clara White Brazil, Cora and Jeeves evaluate transactional flow and the seniority of the digital operation; traditional banks (BB, Itaú, Bradesco) still request balance sheets, DRE and, in many cases, collateral.
If your company is less than a year old, the realistic options are Clara (with no documented minimum revenue) or Cora (ideal for MEIs and small companies in their initial phase). From the second year, traditional banks offer larger lines but with approval processes that can take up to six weeks.
For companies with USD spend (importers, international e-commerce, digital agencies), Jeeves Corporate Brazil is the option that helps the most thanks to its multi-currency cards with no IOF, a feature that traditional Brazilian banks have not yet replicated.
FAQ
What documents do I need for a business card in Brazil?
Minimum: articles of association (contrato social), active CNPJ, proof of company address and document of the legal representative. Traditional banks additionally request balance sheets and recent DRE.
Do business cards build company history or that of the partner?
They build corporate history at SCR/Serasa Empresas. In some products (especially traditional banking), the partner signs as a guarantor and the history also affects their CPF.
Can I deduct the annual fee of a business card?
Yes, as long as the card is in the CNPJ's name and the fee is invoiced to the CNPJ. Consult your accountant on the treatment (deductible operating expense).
What is the difference between a business card and a corporate card?
Business cards are typically tied to a revolving line with monthly billing; corporate cards (such as Amex Corporate) operate with full payment each cycle and no revolving line. Clara, Cora and C6 operate in revolving business mode.
Methodology
We evaluate real annual fee, effective corporate cashback, accounting integrations (Conta Azul, Omie, Egestor), digital onboarding process and international usage coverage. We exclude products only accessible with a pre-existing banking relationship or cash collateral.
Conclusion
For startups and digital SMBs, Clara White Brasil is the natural starting point thanks to its zero cost and control tools. For SMBs with international spend, Jeeves Corporate is unmatched. For companies needing an in-person banking relationship, Ourocard Empresarial remains relevant. Combine a fintech for daily management with a traditional bank for institutional relationships.