The credit card is one of the main means of payment due to convenience, but if there is something that makes some people give up on even requesting a plastic payment, it is the annual fee charge.
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1st) Amazon Prime Platinum
Who occupies first place in the ranking as the best card with no annual fee in Brazil is Amazon Prime Mastercard Platinum card. The online retail giant's credit card was launched last year and already dominates not only the ranking of best cards with no annual fee but also the best cards for earning cashback.
No wonder, Amazon Prime Platinum offers 5% cashback on purchases made on Amazon, which can be used on the website itself. In other words, if you make a purchase of R$ 500 on Amazon using the Prime card, you will receive 25 points (5% of R$ 500). Each point is equivalent to R$ 1, so you will have R$ 25 in credits to enjoy on the site.
Additionally, the Prime card offers 2% of your cash back on restaurants, pharmacies, travel, entertainment and international purchases. Customers of this card can pay for their purchases in up to 15 interest-free installments.
Finally, the bank that manages the card is Bradesco and it is issued by the Mastercard brand. It is also equipped with contactless technology, which allows contactless payment.
Click here to have the Amazon Prime Mastercard Platinum.
2nd) Amazon.com.br Mastercard Platinum
Secondly, we have another Amazon credit card, Platinum. Like Prime, it also stands out for its free annual fee and cashback. The difference is that the cashback on purchases on Amazon is 3%.
The Amazon Platinum Card also offers 2% cashback for restaurants, pharmacies, travel, entertainment and international travel. As soon as you join, you already earn R$ 10 in Amazon points.
As it is issued by Bradesco bank, it is possible to manage the card through the Bradesco Cartões application. In addition, it is also equipped with contactless technology, which allows contactless payment.
Click here to have the Amazon.com.br Mastercard Platinum.
3rd) XP Visa Infinite
In third place is the XP Visa Infinite. XP is a stockbroker specializing in independent investment advice. In 2020, the company's card, the XP Visa Infinite, was launched.
Although the annual fee is free, to get this card it is necessary to have from R$ 50 thousand in investments in XP. Therefore, it is exclusive to XP Investimentos customers.
Additionally, it has cashback (or investback) of up to 1%. But this amount varies depending on monthly expenses. For example, spending up to R$ 1,500 does not generate investback. Between R$ 1,500 and R$ 3,000 of expenses, the holder earns 0.5% and from R$ 3,000, he receives 1%.
Those who have XP Infinite are entitled to 4 free accesses per year to the Dragon Pass VIP lounges (Visa Airport Companion).
Click here to order your XP Visa Infinite.
4th) Inter Mastercard Black
Fourth place is the Inter Mastercard Black, with zero annual fees. Although Inter implemented its own points program last year, its cashback continues to exist. But now, it is one of the ways to exchange points within the Inter Loop.
The Inter Mastercard Black has 1% cashback. In addition to being present in the ranking of best cards with cashback, it is fourth in the ranking of best cards with no annual fee.
There are two ways to obtain the card. The first is to invest from R$ 250 thousand in the bank – an amount that can be in any investment, even shares, FIIs or Tesouro Direto. In this case, the card offers unlimited access to VIP lounges, through the LoungeKey program.
The second way is by subscribing to the Duo Gourmet restaurant discount program. Those who receive Inter's Black via this method are entitled to 6 free accesses per year. Not to mention unlimited and free access to the Mastercard Black lounge at Guarulhos Airport.
Click here to order your Inter Mastercard Black.
5th) Rico Visa Infinite
In fifth place we have the Rico Visa Infinite. Rico is an investment platform linked to XP that launched its own credit card in 2022 along with the digital account. In addition to being exempt from the annual fee, it is very easy to get this card.
The only requirement to request it is to invest from R$ 1 thousand in the institution. For comparison purposes, XP requires a much larger investment to have XP Visa Infinite.
Another benefit is that the card gives up to 1% in Investback (cashback automatically reversed on investments). Not to mention, of course, the benefits included with Visa Infinite. Unfortunately, this product does not offer access to VIP lounges.
Click here to apply for your Rico Visa Infinite.
6th) XP One Visa Infinite
In sixth place, we have another XP card. This time, it's the XP One Visa Infinite. In addition to having a free annual fee, this card has an investback of up to 1%, which varies according to your monthly spending.
That is, spending up to R$ 1,500 does not generate investmentback. Between R$ 1,500 and R$ 3,000 of spending, 0.5% of cashback is generated. Finally, with expenses above R$ 3,000 on credit, the holder receives 1% in Investback. Remembering that Investback is cashback invested in an XP investment fund.
Another benefit of this card is that it offers 2 free annual access to Dragon Pass VIP lounges (Visa Airport Companion). Because it is Visa Infinite, it also has price protection insurance, purchase protection insurance and participation in the brand's rewards program, Vai de Visa.
You must have at least R$ 5 thousand in investments to get this card.
Click here to request your XP One Visa Infinite.
7th) BRB Connect International Mastercard
In seventh place, we have the BRB Connect International Mastercard, launched in 2023 by BRB. In addition to having no annual fee, this card offers up to 1% cashback on all purchases and you don't need to be a bank account holder to get it.
Issued under the Mastercard brand, this card's main benefit is automatic cashback on the invoice, but the percentage of the amount returned varies according to the invoice.
If the expenditure on the invoice is between R$ 100 to R$ 1,999, the cashback will be 0.50%. Between R$ 2,000 to R$ 2,999, the percentage is 0.70%. If the invoice is between R$ 3,000 and R$ 4,999, the percentage is 0.90%. 1% cashback is with spending from R$ 5,000.
Another benefit is that customers can participate in Mastercard Surpreenda, the brand's rewards program. Unfortunately, there is no access to VIP lounges with this card.
Click here to order the BRB Connect International Mastercard.
8th) Inter Mastercard Platinum
The one that occupies eighth place in the ranking is Inter Mastercard Platinum. To have this card, you must open a digital bank account. Its main attraction is that it does not charge an annual fee, but it also offers 0.5% cashback.
Remembering that, although Inter implemented its own points program last year, it continues to offer cashback. The difference is that now it is one of the ways to exchange points within the Inter Loop. For every R$ 5 spent with this card, you earn 1 Inter Loop point.
To get this card, there are three requirements you can follow:
- Minimum income of R$ 6 thousand
- Between R$ 50 thousand and R$ 250 thousand at Inter Invest
- Be an Inter Gold customer with the last 4 invoices above R$ 5 thousand
Click here to get the Inter Mastercard Platinum.
9th) Inter Mastercard Gold
In ninth place comes another Inter card, the Inter Mastercard Gold. In addition to the free annual fee, it offers 0.25% cashback and for every R$ 10 spent on the card, you earn 1 Inter Loop point.
Inter Gold is one of the best digital bank cards, above other famous cards on the market such as Nubank and Neon, also in the Gold category. Being issued by Mastercard, the holder of this card has access to Mastercard Surprise, a brand rewards program.
Other Mastercard Gold benefits include price protection insurance, extended warranty and global support from Mastercard.
Click here to order your Inter Mastercard Gold.
10th) BMG International Mastercard
To close this list, we have BMG Mastercard Internacional in tenth place. BMG is a bank specialized in serving public servants, pensioners and retirees.
In addition to not having any annual fees, the card offers 0.2% cashback on all purchases. But it is possible to increase the percentage by subscribing to the Flex (0.6% cashback for R$ 20 monthly) or Top (0.8% cashback for R$ 40 monthly) plans.
The card is very easy to obtain, as you do not need to consult SPC/Serasa. Furthermore, it also has Mastercard benefits, such as Mastercard Surpreenda and the Mastercard Global Service.
Click here to request the BMG Mastercard Internacional.
What is the best credit card for you?
We always reiterate that the best credit card is the one that will meet your needs. There are some cards with many benefits that also have a great annual fee exemption policy, based on monthly expenses or investments.
But if you just want a basic, simple and practical card, a card with no annual fee may be ideal for you. This way, you don't have to worry about hitting a spending goal or keeping a large amount invested in the bank.
In our ranking of the best cards with no annual fee, there are 36 options that have zero annual fees and are easy to obtain. Not to mention that many of these have benefits such as cashback and even access to VIP rooms.
