Best travel 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.
A travel card in Brazil needs to solve four problems: lounge access (Priority Pass and Mastercard Black Lounge in Brazil), IOF waiver on international purchases (3.5% in 2026), international travel insurance and efficient accumulation in miles programs (LATAM Pass, Smiles, TudoAzul). This ranking compares the five strongest cards.
Direct answer
For travel — brazil, the strongest pick today is LATAM Pass Visa Infinite, according to the BestCardIn editorial review.
Quick answers
- Which Brazilian cards have Priority Pass?
- Itaú Personnalité Black (with companions), Itaú LATAM Pass Infinite, Itaú Azul Infinite, Bradesco Visa Aeternum, BTG+ Black and XP Infinite (limited access). Each product defines how many annual visits and whether companions are included.
- What is the best card for LATAM Pass miles?
- Itaú LATAM Pass Infinite has the best direct accumulation rate. Cards like C6 Carbon and XP Infinite accumulate in their own program that can be converted to LATAM Pass at a reasonable rate.
- Do Brazilian cards waive IOF on international purchases?
- Only some premium cards (Itaú LATAM Pass Infinite and Itaú Azul Infinite in specific categories; some Personnalité products). Most charge the 3.5% IOF on international purchases. Verify the exact waiver in the contract.
- Is a premium card worth it if I only travel twice a year?
- Generally no. The annual fee on Brazilian Infinite cards (R$ 800-R$ 2,000 per year) requires at least 4-6 international flights for quantifiable benefits to outweigh the cost. For occasional travelers, a cashback card like Inter Black Win pays off more.
Selected cards
LATAM Pass Visa Infinite
Itaú Unibanco
Annual fee: BRL 1260.00
Best co-branded for LATAM travelers: up to 5 LATAM Pass per dollar spent, Priority Pass lounges with companions and IOF waiver on some premium categories.
Azul Visa Infinite
Itaú Unibanco
Annual fee: BRL 1260.00
Itaú equivalent for Azul/TudoAzul: high TudoAzul accumulation, LATAM Pass Diamond benefits and premium lounges.
Bradesco Visa Aeternum
Bradesco
Annual fee: BRL 1920.00
Bradesco's flagship: Visa Infinite lounges, premium insurance, concierge. High annual fee only justified for premium frequent travelers.
C6 Carbon
C6 Bank
Annual fee: No annual fee
C6's metal card with no annual fee, Mastercard Black lounges and the Átomos program with conversion to miles; the best no-fee option for travelers.
Nubank Ultravioleta
Nubank
Annual fee: BRL 1068.00 · Cashback: 1.25%
1.25% cashback and Mastercard Black benefits; alternative for those who prefer cashback over miles and want a premium digital experience.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | LATAM Pass Visa Infinite | Itaú Unibanco | BRL 1260.00 | - |
| 2 | Azul Visa Infinite | Itaú Unibanco | BRL 1260.00 | - |
| 3 | Bradesco Visa Aeternum | Bradesco | BRL 1920.00 | - |
| 4 | C6 Carbon | C6 Bank | No annual fee | - |
| 5 | Nubank Ultravioleta | Nubank | BRL 1068.00 | 1.25% |
For Brazilian travelers, three programs concentrate miles activity: LATAM Pass (with Itaú and LATAM Pass Mastercard), Smiles (Gol/Smiles Visa) and TudoAzul (Itaú Azul). The choice of co-branded card should follow your preferred airline; switching programs for a one-off promotion rarely pays off.
For lounges in Brazil, Priority Pass (Itaú Personnalité Black, Itaú LATAM Pass Infinite, Itaú Azul Infinite, Bradesco Aeternum) has broad coverage including selected domestic lounges (GRU, GIG, BSB, CNF, REC). Mastercard Black Lounge (C6 Carbon, Nubank Ultravioleta) covers mostly international lounges.
International medical insurance varies significantly. Visa Infinite cards such as Itaú LATAM Pass Infinite offer typical coverage of USD 500,000-1,000,000 per event. Mastercard Black cards offer coverage between USD 250,000-500,000. For travel to the US, where a hospitalization easily exceeds USD 30,000, the difference is material.
FAQ
Which Brazilian cards have Priority Pass?
Itaú Personnalité Black (with companions), Itaú LATAM Pass Infinite, Itaú Azul Infinite, Bradesco Visa Aeternum, BTG+ Black and XP Infinite (limited access). Each product defines how many annual visits and whether companions are included.
What is the best card for LATAM Pass miles?
Itaú LATAM Pass Infinite has the best direct accumulation rate. Cards like C6 Carbon and XP Infinite accumulate in their own program that can be converted to LATAM Pass at a reasonable rate.
Do Brazilian cards waive IOF on international purchases?
Only some premium cards (Itaú LATAM Pass Infinite and Itaú Azul Infinite in specific categories; some Personnalité products). Most charge the 3.5% IOF on international purchases. Verify the exact waiver in the contract.
Is a premium card worth it if I only travel twice a year?
Generally no. The annual fee on Brazilian Infinite cards (R$ 800-R$ 2,000 per year) requires at least 4-6 international flights for quantifiable benefits to outweigh the cost. For occasional travelers, a cashback card like Inter Black Win pays off more.
Methodology
We compare real annual fee, lounge access (Priority Pass and Mastercard Black Lounge), accumulation rate in relevant Brazilian programs (LATAM Pass, Smiles, TudoAzul), international insurance coverage and IOF waivers. We compute net cost by subtracting quantifiable benefits.
Conclusion
For frequent LATAM travelers, Itaú LATAM Pass Infinite is the reference. For Azul travelers, Itaú Azul Infinite. For the absolute premium, Bradesco Visa Aeternum. C6 Carbon is the best no-fee option in the segment. Choose by preferred airline and real travel volume, not by the headline.