The best credit cards in Brazil in 2026
By Sofía Vargas (Editor-in-chief) · Reviewed by Sofía Vargas (Editor-in-chief) · Published · Reviewed
Also available in pt-BR on Brasil.
The Brazilian card market in 2026 is the most mature in Latin America: Nubank, Inter, C6 and BTG compete shoulder to shoulder with Itaú, Bradesco and Santander on premium products without an annual fee. This guide ranks the five most relevant cards of the year by real-world use cases — not the marketing headline.
Direct answer
For credit cards 2026 — brazil, the strongest pick today is Nubank Ultravioleta, according to the BestCardIn editorial review.
Quick answers
- What is the best credit card in Brazil to start with?
- Nubank Crédito and Inter are the options with the highest approval rate for users without significant history. Both have no annual fee and report monthly to the SCR.
- What is the best card for accumulating miles in Brazil?
- Itaú LATAM Pass Infinite for LATAM Pass; Smiles via co-branded card or Livelo transfer; TudoAzul via Itaú Azul Infinite. Each program has its own best partners.
- What is the best premium card on cost-benefit?
- For pure cashback without an annual fee: Inter Black Win. For full premium without an annual fee: C6 Carbon. For co-branded travel: Itaú LATAM Pass Infinite (annual fee exists, but waivable with qualifying spend).
- How many credit cards should I keep?
- We recommend at most three active products: one to build history, one optimized for your main spend (cashback or points) and optionally one premium for travel.
Selected cards
Nubank Ultravioleta
Nubank
Annual fee: BRL 1068.00 · Cashback: 1.25%
The Black card with structural cashback and the best app in the Brazilian market; a premium option for consolidated users who prefer cashback to a points program.
Inter Black Win
Banco Inter
Annual fee: No annual fee · Cashback: 1.25%
1.25% cashback with no annual fee; the best cost-benefit combination on the market in 2026.
Nubank Crédito
Nubank
Annual fee: No annual fee
The most-used credit card in Brazil; the standard entry point to build history with the leading app and well-recognized customer service.
LATAM Pass Visa Infinite
Itaú Unibanco
Annual fee: BRL 1260.00
Best co-branded travel option: LATAM Pass points accrual, Priority Pass lounges and solid international insurance. Recommended for frequent LATAM flyers.
Bradesco Visa Aeternum
Bradesco
Annual fee: BRL 1920.00
Bradesco's flagship: full premium experience with lounges, insurance and concierge. Recommended for Bradesco Prime or Private clients with high travel volume.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | Nubank Ultravioleta | Nubank | BRL 1068.00 | 1.25% |
| 2 | Inter Black Win | Banco Inter | No annual fee | 1.25% |
| 3 | Nubank Crédito | Nubank | No annual fee | - |
| 4 | LATAM Pass Visa Infinite | Itaú Unibanco | BRL 1260.00 | - |
| 5 | Bradesco Visa Aeternum | Bradesco | BRL 1920.00 | - |
The right question is not "which is the best card?" but "which is the best for me?". For beginners, the answer is still Nubank Crédito or Inter; for cashback optimizers, Inter Black Win or Nubank Ultravioleta; for co-branded travelers, Itaú LATAM Pass or Smiles; for absolute premium experiences, Bradesco Visa Aeternum or Itaú Personnalité Black.
In 2025-2026, the big trend was the consolidation of premium cards without an annual fee: C6 Carbon, Inter Black, BTG+ Black and XP Infinite all offer premium benefits (lounges, insurance, points programs) without charging an annual fee. This radically changed the comparison standard in Brazil.
For accumulating points transferable to airline programs (Smiles, LATAM Pass, Azul Fidelidade, TudoAzul), co-brands continue to be more efficient than cards with their own program. Itaú LATAM Pass Infinite and Itaú Azul Infinite are the segment references.
FAQ
What is the best credit card in Brazil to start with?
Nubank Crédito and Inter are the options with the highest approval rate for users without significant history. Both have no annual fee and report monthly to the SCR.
What is the best card for accumulating miles in Brazil?
Itaú LATAM Pass Infinite for LATAM Pass; Smiles via co-branded card or Livelo transfer; TudoAzul via Itaú Azul Infinite. Each program has its own best partners.
What is the best premium card on cost-benefit?
For pure cashback without an annual fee: Inter Black Win. For full premium without an annual fee: C6 Carbon. For co-branded travel: Itaú LATAM Pass Infinite (annual fee exists, but waivable with qualifying spend).
How many credit cards should I keep?
We recommend at most three active products: one to build history, one optimized for your main spend (cashback or points) and optionally one premium for travel.
Methodology
For the 2026 ranking we weighted: approval rate reported by each issuer, total year-one cost (annual fee minus quantifiable benefits), user satisfaction in the App Store and Google Play (minimum 4.0/5.0 with 50,000+ reviews) and regular reporting to the SCR. We exclude pilot products.
Conclusion
The 2026 podium mixes fintechs (Nubank, Inter) and traditional banks (Itaú, Bradesco) — reflecting the consolidation of the Brazilian market. Choose by use profile, not by brand: each product in this ranking wins in a different use case.