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We have selected 7 credit card options with free annual fees in 2021, for you to apply for directly from your home!
In fact, when used correctly, a credit card opens many doors. It can also be a help in times of financial unforeseen circumstances, such as when the gas runs out, for example.
In fact, there are around 52 million Brazilians who use cards as their main form of payment. But without due care, consumers run the risk of going overboard and spending more than they earn.
For this reason, we have made a list of 7 credit card options with no annual fee. This way, you can save money and take advantage of all the benefits offered by the institutions.
1 – Nubank Credit Card with Free Annual Fee
In advance, the Nubank It is the first financial institution to offer a credit card with no annual fee and in a completely digital format.
Rightly so, the lack of bureaucracy and 24-hour online service has won over millions of consumers.
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Furthermore, the Nubank card is one of the best rated and recommended by customers.
The brand is Mastercard and has international coverage, accepted in more than 30 million establishments worldwide.
Furthermore, all management, such as limit increase, due date, and advance payment of installments, can be done directly through the App.
Read also: But, after all, is the Nubank credit card good?
Benefits of Nubank's credit card with free annual fee
- Possibility of making purchases in Brazil and abroad;
- Free annual fee;
- Discount on advance payment of installments;
- Digital account with no maintenance fees;
- Approval without the need to prove income.
How to apply?
Initially, you apply for the card at official website of the institution or mobile app. Just fill out the proposal form with your details.
If your limit is pre-approved, a notification will arrive directly to your email. Then, just accept the terms, register your password and select the best expiration date.
Important details!
| Flag | MasterCard |
| Coverage | International |
| Revolving interest | 2.75% to 14% |
2 – Méliuz Credit Card with no annual fee
The second option is the Meliuz, a card that resulted from the partnership between Banco Pan and the coupon company Méliuz.
One of the main advantages is the Cashback system, which means the money goes directly into your checking account for you to use as you wish.
So, if you are the type of person who uses the card for everything, this is an excellent option.
In fact, with the Méliuz card with no annual fee, you can make purchases with peace of mind in Brazil and around the world. Perfect for taking on trips!
Another important point to highlight is the ease of approval. It is even available to consumers with low score.
However, the negative factor is that the card does not have a virtual version. Therefore, to use it you have to wait for delivery, made by the post office.
Benefits of the Méliuz credit card with no annual fee
- International;
- No annual fee;
- Cashback of up to 1.8% in cash;
- Management via App.
How to apply?
You can join immediately, since the entire procedure is carried out online. Whether on the app or the official website, the first step is to fill out the application.
To do this, provide your CPF number, cell phone number, and any other information requested. Then, submit the form and wait for a response regarding your credit analysis.
Important details about Méliuz
| Flag | MasterCard |
| Coverage | International |
| Revolving interest | 17,71% |
3 – Credicard Platinum: the credit card with free annual fees today and forever!
First of all, this version came to replace the old one Credicard zero. Despite having more benefits and a platinum line, the annual fee remains free, today and forever.
In fact, every time you pay for products such as electronics or jewelry, for example, you have insurance against accidental damage and theft. In addition to extended warranty and price protection.
Credicard Platinum Benefits
- Zero annual fee;
- Virtual Card ready instantly;
- Contactless payments;
- Discounts at partner stores;
- Free digital account;
- Price and purchase protection;
- Extended warranty;
- International medical insurance.
How to apply?
Credicard membership is done directly on the institution's official website. Simply fill out the form and authorize the credit analysis on your CPF.
The result of approval or not is sent to the registered email.
Important details about Credicard Platinum
| Flag | Visa |
| Coverage | International |
| Revolving interest | 13.5% on average |
Read also⤵️⤵️⤵️
4 – Magalu Credit Card with free annual fee
Recently, the Magalu card It is a partnership between the store and Banco Itaú. In fact, the card came to compete in the market in terms of benefits. Such as the free annual fee and the Cashback system.
In addition, the customer has access to all Visa Platinum benefits, such as price and purchase protection, extended warranty, among others. In other words, everything to make the most of your purchases.
Benefits of the Magalu credit card with free annual fee
- No annual fee;
- 4% Cashback when shopping at Magalu;
- Payment in up to 24 installments without additional interest;
- Special discounts on selected products;
- Participation in Vai de Visa;
- Medical emergency insurance;
- Price and purchase protection;
- Original extended warranty.
How to apply?
You can request Magalu either on the Magazine website or on Itau. In both options, you must submit a form with your details. After that, the next steps will be informed in the email.
Important details about the Magalu card!
| Flag | Visa |
| Coverage | International |
| Revolving interest | 12,29% on average |
5 – BMG – The card that helps you save!
Do you dream of achieving financial freedom, but find it difficult to take the first step? If your answer is yes, then the BMG credit card is indicated for you.
This is because it is integrated with the system “Save it for me”, that helps you save on all your purchases.
It works like this, if you make a purchase of R$30.60 today, the card rounds that amount up to R$31.00, automatically.
The R$0.40 difference is credited to a savings account and continues to earn interest until the time of redemption.
Furthermore, whenever your piggy bank reaches R$$50.00, the amount is transferred to a financial investment. All this, without any effort on your part!
Furthermore, all card management belongs to Banco BMG, best digital bank in Brazil according to the “Modern Consumer” survey.
Benefits of the BMG credit card with free annual fee
- International coverage;
- Free annual fee;
- Cash withdrawals;
- Participation in Mastercard Surpreenda;
- Cashback System;
- Advantages club;
- Save for me system.
How to apply?
First of all, you need to open a digital account. After that, a pre-approved limit will appear in the card tab. Then, just accept the terms, choose the expiration date and your password.
Important details about the BMG credit card
| Flag | MasterCard |
| Coverage | International |
| Revolving interest | Average of 5.27% |
6 – Click Visa Platinum
THE Visa Platinum credit card now has a free annual fee, regardless of the invoice amount. In addition to an initial limit of R$$300.00 to use immediately.
Depending on your relationship with the bank, the limit increases progressively. In fact, the procedure begins from the third month.
During this period it is extremely important to maintain your name. no restrictions on Serasa and SPC. And, along with that, make the payment of the invoice on the due date, or before.
Points Program
Now the customer has exclusive participation in the Itaú points program. Shopping at the mall Iupp You earn 3 points for every real spent.
Participation is free, and at the end you can exchange your points for products or airline miles.
iPhone forever
Always living with a new iPhone is possible, especially now with this benefit.
Buying your smartphone with Click Platinum In the Itaú app, you have exclusive installments of up to 21 times, along with a remaining installment at the end.
The cool thing, and one of the differentiating points that most attracts consumers' attention, is that you have the option of using the installment as discount on the purchase of another iPhone!
Benefits Click Visa Platinum credit card with free annual fee
- No annual fee;
- Limit increase from the third month;
- Digital Management via App;
- Integration with digital wallets;
- Virtual credit card;
- Accumulation of points when making purchases at Iupp;
- Contactless payment;
- Iphone forever;
- International medical emergency insurance;
- Travel assistance service;
- Original extended warranty;
- Visa Concierge.
How to apply?
The request for this card is made directly at Itaú, either at a branch or at the official website at the bank. To join online, go to the cards page and choose this option.
Next, fill out a form with your details, name, CPF, email, among others. Then, just wait for the credit analysis, the response arrives directly in your email.
Important details about Click Visa Platinum
| Flag | Visa |
| Coverage | International |
| Revolving interest | Average of 12.36% |
7 – Iti credit card – Fast and hassle-free
If you are looking for a card with fast approval and no bureaucracy, Iti is the solution! Because you don't need to prove your income and limit can reach up to R$10,000.00.
It is possible to make purchases in physical and online establishments around the world. However, payments made abroad have an additional IOF of 0.38%.
The card does not charge an annual fee, however, it is only available to Iti account users.
The entire procedure is very easy to do and you will instantly have access to a virtual card and can register it in your digital wallets.
Benefits of the credit card with free annual fee Iti
- Payments for online purchases and subscriptions;
- Contactless technology;
- Physical card without number – only the customer has access using a password;
- Flexibility to choose and change the due date.
How to apply?
First of all, you have to open an account with Iti. After that, directly on the mobile app, select the “Iti credit card” option.
The screen will show you all the advantages of signing up. Click on “request credit card” and accept the terms. Then, just wait for the credit analysis, which takes approximately 5 business days.
Important details about the Iti credit card with free annual fee
| Flag | Visa |
| Coverage | International |
| Revolving interest | Average of 12.36% |
Read also⤵️⤵️⤵️
👉 “Is the Iti Credit Card good? Read and draw your own conclusions”
In short, these are the best credit card options with no annual fee.
The best thing is that the procedure is completely digital, without paperwork and bureaucracy.
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