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Looking for a credit card with no annual fee forever? In this text, you will find 15 alternatives!
Having a credit card with no annual fee can help you save a lot, and depending on the option, you can also enjoy other benefits.
This product, as long as it is used correctly, can be a great ally in your finances.
However, we know that one of its main advantages is the increase in purchasing power!
In the text you will learn about some of the best credit card alternatives without annuity.
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Be sure to read to the end to find out more details! See the text index below:
- What is annuity?
- What does a card with free first annual fee mean?
- Which credit card does not charge an annual fee?
- 1. Digio;
- 2. Next Visa International;
- 3. Nubank;
- 4. C6 Bank;
- 5. Click Itaú;
- 6. Will Bank;
- 7. Sugarloaf;
- 8. PicPay Card;
- 9. PagBank;
- 10. Inter Bank;
- 11. Iti Itaú;
- 12. Pan Bank;
- 13. Original Bank;
- 14. Neon;
- 15. Ourocard Fácil;
- Conclusion.
What is annuity?
Annual fee is a fee charged by the card's bank or financial institution for the product's administrative services.
As the name suggests, its value corresponds to one year, however, it can be paid in up to 12 installments.
What does a card with free first annual fee mean?
This means that in the first year of use after signing up for the credit card, the customer will not pay any annual fee.
In other words, this fee will only be charged next year. However, with a credit card with free annual fee forever this will not be a problem.
In fact, there are great alternatives in the current market. Find out more below!
What are the credit card options with no annual fee forever?
There are currently many free credit cards in the market, most of them coming from digital accounts.
In addition to not charging an annual fee, they also offer many services, advantages and benefits to their users. Check out our list!
1. Free Credit Card Forever Digio
This credit card stands out for not charging revolving interest; to date, it is the only one in the category that does not charge this fee.
Furthermore, this credit card is less bureaucratic, so it is easier to receive approval, even if you have a low score.
The Digio credit card also offers cashback on purchases made at partner stores and also exclusive discounts in the “Descontinho” program.
It is issued in the Visa version and its version is international, that is, it is accepted in thousands of stores in Brazil and abroad.
To apply for one, you do not need to prove a minimum income, but you must have a clean record.
You can request it by website or by downloading the Digio app.
| Points program | Livelo: R$$4.90 to join the program |
| Do you accept people with bad credit? | No |
| Minimum income | Does not require |
| Flex card? | No. Credit only. |
| Virtual card? | Yes |
2. Next Visa International Card
Next is a digital account belonging to Banco Bradesco. It is one of the most complete in its category and offers many services to its users.
In your digital account you can invest from just R$1 and still earn extra money by referring friends.
If you have minor children and are looking for a credit card with free annual fee forever, this is a great alternative!
This is because this digital bank offers a digital account for minors of any age with a prepaid card and many perks.
As for the account's credit card, in addition to having no annual fee, you can make unlimited and free withdrawals at Bradesco and Rede Banco 24 horas ATMs.
The card is issued under the Visa banner, so you also have access to the benefits it offers.
Next also has the Visa Platinum card, but it is exempt from the annual fee only for the first five months.
After this period, you will need to pay R$$42.50/month, a moderate annual fee. To open a digital account and request your free credit card, download the app or visit the Next website.
| Minimum income | Does not require |
| Points program | No. Only in Visa Platinum version. |
| Do you accept people with bad credit? | Initially, no, but it may change depending on the use of the digital account and services. |
| Flex card? | Yes. Credit and debit |
| Virtual card? | Yes |
3. Nubank: the pioneer of credit cards with free annual fees forever
Nubank has four different card models: Gold, Platinum, Ultraviolet and the PJ. Both offer many benefits to their users, however, today we want to focus on the two simplest alternatives, Gold and Platinum.
The Nubank Gold and Platinum credit cards are issued under the Mastercard banner, so you can still count on the benefits that this banner offers, for example:
| Gold – Benefits related to the guarantee of purchased products | Platinum – Travel-related benefits |
| Original extended warranty | Travel consultancy |
| Price protection insurance | Concierge |
| Purchase protection insurance | International offers |
| Benefits related to the warranty of purchased products | Travel Emergency Medical Insurance |
| Car insurance |
In addition, the cards have no hidden fees and are simple to use. The credit limit can be adjusted according to your needs, and you can even pay your bill in installments and receive a discount for early payment. In addition, Nubank is a credit card approved with low score!
👉 Learn more benefits and discover how to request yours.
4. Credit card with free annual fee forever C6 Bank
The digital bank C6 Bank also offers a great credit card model with no annual fee for its customers.
In fact, it is known for approving credit without bureaucracy, but if the client does not have a good financial reputation, it is important to create a good relationship first.
In addition, it pays cashback, has a free points program and offers high limits to its customers. Ideal for those who want to increase their purchasing power quickly!
It is issued under the Mastercard banner, which means you can still enjoy the benefits that this banner offers.
When using your C6 Bank credit card with no annual fee To pay for your purchases, you accumulate points that do not expire in the Átomos program.
You can then exchange these points for products, discounts on services or cashback.
C6 Bank has several card colors so you can choose the one that best suits your personality. Each one is prettier than the last, it's hard to choose just one!
In addition, you can also customize the name of the card as you wish. To request yours, download the C6 Bank app.
| Minimum income | Does not require |
| Points program | Yes. In addition to being free, points do not expire. |
| Do you accept people with bad credit? | Initially, no, but it may change depending on the use of the digital account and services. |
| Flex card? | Yes. Credit and debit and only debit. |
| Virtual card? | Yes |
5. Click: Itaú's credit card with no annual fee forever
Still looking for one credit card with free annual fee forever? Don't worry! Our list still has more great cards, like Click, a simple credit card full of advantages.
It is issued by Banco Itaú under the Visa or Mastercard banner, your choice! Among the benefits it offers, we highlight the following:
- +Limit, where your limit can be increased from the third month of use.
- Itaú Tag free of monthly fees.
- Iphone Forever Program.
- Emergency credit assessment.
- Mastercard Platinum Benefits.
👉 To request one, you must access the website or download the app Itau Cards.
| Minimum income | R$800 |
| Points program | Yes. Iupp Itaú Program. |
| Do you accept people with bad credit? | No |
| Flex card? | No. Credit only. |
| Virtual card? | Yes |
6. Will Bank Credit Card with No Annual Fee Forever
This card is still new to the market, despite having been launched for almost two years. It is a great alternative for those looking for a simple, practical alternative that has the low score.
In addition to not charging an annual fee, it has international coverage and a simplified application process.
It comes with a digital account where you can track your spending and maintain control over your finances.
To request yours, download the app Will Bank and register. If you pass the credit check, you will receive the card.
However, if you do not pass, you will not be able to have a digital account to use at this bank. However, you can try in the future.
| Minimum income | Does not require |
| Points program | Only Mastercard Surprise |
| Do you accept people with bad credit? | No |
| Flex card? | Yes. Credit and debit |
| Virtual card? | Yes |
7. International Sugarloaf Mountain
THE free credit card Sugarloaf It is also issued by Banco Itaú. It has no annual fee, even if there is no minimum spend on the invoice.
Furthermore, it is found in Visa and Mastercard flag, considered one of the best credit cards for accumulating miles.
If you already are Sugarloaf customer, know that this is a great card, because with it you can get many discounts at the Pão de Açúcar chain.
When making purchases and the amount exceeds the available limit, you can request an emergency credit assessment.
Those interested in applying for this credit card should access the Itaú Cards website.
| Minimum income | R$1,000.00 |
| Points program | Yes |
| Do you accept people with bad credit? | No |
| Flex card? | No |
| Virtual card? | No |
8. PicPay Card
This card can give you a limit of up to R$1,400,000. Other than that, you can still earn a lot of cashback with it.
In fact, it is one of the best alternatives to get money back!
The PicPay Card has international coverage and is issued under the Mastercard banner, meaning you also have access to the Mastercard Surpreenda loyalty program.
The application process is very simple and quick, in just a few minutes your digital account will be open and your card will be prepared to arrive at your address.
👉 Discover more benefits and also how to request yours.
| Minimum income | Does not require |
| Points program | No |
| Do you accept people with bad credit? | Initially, no, but this may change depending on the use of the debit card and digital account services. |
| Flex card? | Yes. Only debit and flex. |
| Virtual card? | Yes |
9. Credit card with free annual fee forever PagBank
With this credit card, your limit is guaranteed, as long as you invest in a CDB. The amount invested becomes the credit limit on your card immediately!
It is associated with a digital account that yields more than savings, and it also has international coverage, so you don't need to change cards when you travel!
With the PagBank credit card you can, for example:
- Make online and in-person purchases in Brazil and abroad.
- Streaming app subscriptions.
- Transportation app payments.
- Contactless payment.
- Withdrawals on national and international networks.
Requesting yours is very easy. Download the PagBank app and enter your details. Your account will be open in just a few minutes!
| Minimum income | Does not require |
| Points program | No |
| Do you accept people with bad credit? | No |
| Flex card? | Yes: account, debit, credit and prepaid card. |
| Virtual card? | Yes |
In addition to the options listed above, you can request the following credit cards with free annual fees forever:
10th Inter
11° Iti
12th Pan
13th Original
14° Neon
15th Ourocard Fácil
Both offer many advantages to their users in addition to free annual fees. In addition, they also come with a digital account full of services that can make your life easier.
In addition to credit, you can apply for other financial services, for example, a loan to carry out a personal project.
Most of the options mentioned here also have investment platforms so you can start investing with little and see your money grow!
With good investments, you can achieve financial independence, increase your purchasing power and have a better quality of life.
Here on our blog you can find content about each option. With the exception of Ourocard, free cards can be requested directly through the app.
The Ourocard, in turn, must be requested on the website or app of Banco do Brasil, its issuer.
Conclusion
Now that you know the best alternatives, credit card with free annual fee forever, You just need to choose the desired option to start enjoying the advantages it offers.
Do you want to increase your chances of approval and perhaps even have a higher initial limit?
Meet our High Score Handbook. In it, you will find tips that will help you improve your reputation in the credit market and also organize your financial life.
It's definitely worth checking out!
