You are looking for a credit card in Brazil that rewards you for your everyday spending? Cashback credit cards are a fantastic way to earn a little money back on your purchases, essentially giving you a discount on everything you buy. But with so many options on the market, choosing the right card can feel overwhelming.

When traveling to Brazil, it is essential to have a reliable and rewarding credit card that can help you manage your expenses effectively. Among the various options available, cashback credit cards are particularly popular due to their ability to offer a percentage of your purchases back as a reward.

Best Credit Card with Cashback Earn Money Back 2024

In this article, we will explore the best cashback credit cards for Brazil, highlighting their features, benefits, and requirements. Helping you find the perfect card to fit your spending habits and maximize your rewards in 2024.

What is a Cashback Credit Card?

A cashback credit card essentially rewards you with a portion of your spending back in cash. Then, you have the freedom to redeem this cash in various ways, depending on the policies of the card issuer. Some common redemption options include:

  • Statement credit: Offset your monthly credit card bill by the amount of cashback you’ve earned.
  • Direct deposit: Automatically transfer your cashback earnings into your bank account.
  • Gift cards: Exchange your cashback for gift cards from your favorite retailers.
  • Earn rewards on your regular purchases: Get something back for the everyday essentials like groceries, fuel, and dining out.
  • Long-term savings: The cashback you accumulate can mount up over time, effectively giving you a discount on your overall spending.
  • Flexibility in redemption: You’re in control of how you want to utilize your rewards.
  • Build your credit: By using your card responsibly and clearing your balance monthly, you can contribute to building a positive credit history.

Top Cashback Credit Cards for Brazil:

Capital One Quicksilver

The Capital One Quicksilver card stands out with its $0 annual fee and a lucrative $200 bonus when you spend $500 within the first 3 months. It keeps things simple with a 1.5% cashback on all purchases, making it great for both domestic and international spending.

Amazon Credit Card (Brazil)

Amazon has just introduced its inaugural credit card in Brazil, boasting enticing cashback rewards and an inventive Buy Now Pay Later function.


This card comes with no annual fee and while the sign-up bonus isn’t specified, it offers a chance to earn points through purchases made both on and off the platform, with cashback rates soaring up to 5% in certain instances.

Accessible to both Prime subscribers and non-members alike, the accumulated points can be redeemed for discounts on fresh online purchases, adding an extra layer of value to the card.

Popular Cashback Credit Cards in Brazil (2024)

Here’s a quick overview of some popular cashback credit cards in Brazil to get you started:

  1. Nubank Platinum Card: Offers 1% cashback on all purchases, with no annual fee. Great for those who want a simple, no-frills cashback card.
  2. Itaú Credicard Zero Platinum: Earns 1.5% cashback on all purchases, with no annual fee in the first year. A good option for those who want a slightly higher cashback rate without an annual fee.
  3. Banco do Brasil American Express Gold Card: Offers a variety of benefits, including 3% cashback on select streaming services and airlines, with a first-year annual fee waiver. Ideal for frequent travelers and streamers.
  4. Santander Unlimited Mastercard: Earns 2% cashback on all purchases at gas stations and pharmacies, with no annual fee. Perfect for those who spend a lot on gas and medication.
  5. Next Visa Platinum: Offers a welcome bonus of up to BRL 100 and 1% cashback on all purchases, with no annual fee. Geared towards first-time credit card users.

Important! This is not an exhaustive list, and new cards are always being introduced. Be sure to research all your options and compare cashback rates, annual fees, and other benefits before applying.

Cashback: Other Credit Card Rewards Programs

Cashback isn’t the only game in town. Here are some other types of rewards programs offered by credit cards in Brazil:

  • Miles and points: These programs allow you to earn miles or points on your purchases, which can be redeemed for travel rewards like flights and hotel stays. Ideal for frequent travelers.
  • Airport lounge access: Some cards offer complimentary access to airport lounges, providing a more comfortable travel experience.
  • Insurance: Certain cards come with built-in benefits like purchase protection or travel insurance.
  • Entertainment perks: Some cards offer exclusive discounts or benefits for things like movie tickets or streaming services.

Finding the Best Deal

Once you have a good understanding of your needs, it’s time to compare different credit card options. Here are some resources to help you find the best deal:

  • Bank websites: Most banks in Brazil have information about their credit card offerings on their websites.
  • Comparison websites: Several Brazilian websites allow you to compare cashback rates, annual fees, and other benefits of different credit cards.
  • Financial review websites: Independent financial review websites can provide unbiased reviews and comparisons of credit cards.

Applying for a Cashback Credit Card

Once you’ve found the perfect card, you can apply online or at your bank branch. The application process will typically require you to provide some basic personal information, proof of income, and your credit score information.


What is a cashback credit card?

A cashback credit card gives you back a portion of the money you spend as cash rewards. You can use this cash for statement credits, direct deposits, or even gift cards.

What are some popular cashback credit cards in Brazil (as of 2024)?

  • Nubank Platinum Card: No fee and offers 1% cashback.
  • Itaú Credicard Zero Platinum: No annual fee for the first year and provides 1.5% cashback.
  • Banco do Brasil American Express Gold Card: Offers travel and streaming perks, with the first-year fee waived.
  • Santander Unlimited Mastercard: No fee and gives 2% cashback on gas and pharmacy purchases.
  • Next Visa Platinum: Offers a welcome bonus, 1% cashback, and no fee.

How can I maximize my cashback rewards?

Select a card that aligns with your spending habits, making sure to capitalize on any welcome bonuses offered. Always aim to pay off your balance in full to steer clear of interest charges. Consider diversifying with multiple cards tailored to different spending categories. Keep a close eye on your rewards accumulation and make the most of bonus cashback opportunities.