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In advance, find out about the best free credit card options online, including the latest news. Learn all the details about how it works, the list of benefits and how to apply for yours without any complications!
Rightly so, a free credit card is a great alternative for paying for purchases in installments. It also allows you to take advantage of exclusive benefits from a points program without having to pay high fees.
There are currently some good options on the market, as well as many new products this year. After all, the consumer profile has changed, becoming increasingly demanding. Competition has also increased.
Want to find out which free credit card options are most popular at the moment? Then keep reading!
1 – Meu Renner: the free credit card to use in Renner stores
First of all, if you shop a lot at Renner stores, Meu Cartão Renner is an excellent choice. the annual fee is free whenever you make purchases from the company. Furthermore, the card is very stylish, international and has contactless functionality. In addition, there are two cards available for the customer to choose from: Visa or Mastercard.
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Benefits of the Renner Store Free Credit Card
Discounts: the customer receives discounts of up to 50% at various partner establishments. In fact, there are currently more than 200 registered stores.
Special installment plan: for purchases made at Loja Renner, customers can benefit from special installment plans, which can be divided into up to 10 interest-free installments.
Instant Credit Card: your card is ready instantly and you can make your purchases straight away
Integrated App: have an exclusive App at your fingertips to control card and store expenses. From it, you can generate payment slips to pay bills and invoices.
Quick withdrawal: Need money? Use the personal loan whenever your budget is tight. The amount is available at the exact moment of the request and does not change the credit card limit.
How to order?
Applying for a Meu Cartão Renner is very easy. Just go to a physical branch and place your order. Your card will be ready immediately!
Above all, it is important that you have a valid photo ID and your CPF number on hand. The consultant will then perform a credit analysis and if the result is positive, you can start shopping.
2 – Itaucard Click Platinum
The public asked and Itaú listened, now the Itaucard Click Platinum has no annual fee forever! Initially, the free credit card is available on Visa and Mastercard.
Advantages of the Itaucard Click Platinum Free Credit Card
- The customer gets a 50% discount at Kinoplex, Itaú Cinemas and Playarte cinemas;
- Count on unmissable offers at several partner establishments, such as Magazine and Netshoes;
- Manage everything directly through the app without having to go to a branch;
- Contactless payments without the need to hand over your credit card to third parties;
- Participation in the New iPhone Forever Program, where you can buy your iPhone through the Itaú App and pay for it in up to 21 installments.
- Discounts at partner stores and pharmacies.
Benefits of Visa Platinum
From the outset, Visa Platinum is packed with benefits and amenities for your complete satisfaction. Therefore, by selecting this brand, the customer has the following advantages at their disposal:
- Travel assistant;
- Insurance for rental vehicles;
- International medical emergency insurance;
- Free parking in shopping malls and restaurants;
- Participation in the Vai de Visa Loyalty Program.
Mastercard Platinum Benefits
On the other hand, by selecting the free Mastercard Platinum credit card you have the necessary amenities:
- Travel agency;
- International offers;
- Concierge Service;
- International Offers;
- Mastercard Global Service (a 24-hour emergency service);
- Mastercard Surpreenda: buy one product and get the second one free, offer also valid for cinemas and restaurants.
How to apply for the free Itaucard Click Platinum credit card?
First of all, to apply for your free Itaucard Click Platinum credit card, simply access Itaú's sales page and fill out the form. After this procedure, wait for the result of the credit analysis. Once approved, your card will arrive by mail at the address registered on the form.
3 – Santander SX Credit Card
Next, Santander SX is also an excellent option for a free and online credit card to apply for this year. However, To accept the tariff agreement, the customer must follow at least one of the criteria mentioned below:
- Have a minimum spend of R$100.00 on the invoice, or:
- Register your CPF and cell phone number as PIX keys at the bank.
Benefits of Santander SX
Online credit card available instantly: As soon as your credit is approved, you immediately have access to the virtual card to use for online purchases until the physical version arrives.
Sphere Discounts: When purchasing products from the Esfera online store, you are granted various discounts on selected products and even cashback!
Cash withdrawals: Another advantage is the possibility of making cash withdrawals using the credit limit. You pay the amount directly on the invoice on the due date.
Payment in up to 24 installments: In the event of an unforeseen financial event, Santander SX customers have the flexibility to pay their bill in up to 24 installments.
How to apply for the Santander SX credit card?
To apply for this credit card, you must first access the Santander website and select the option: “request card and account”. Then, enter your CPF number and other information so that the credit analysis can be completed successfully. You will have the answer in a few minutes, so just follow the procedure with the application and wait for your card to be delivered.
4 – Free Magalu Visa Platinum Credit Card
At first glance, the Magalu Visa Platinum is a novelty in the credit market. In addition to being an “improvement” of the Magazine Luiza credit card with more advantages. After all, this version there is no annual fee and you can still count on the cashback system!
The customer registers the MagaluPay digital account and earns 2% cash back on all purchases made at the Magalu Store.
Advantages of the free Magalu Visa Platinum credit card
- No annual fees;
- Contactless technology, meaning you can make payments without inserting your card into the machine;
- Differentiated installments for purchases made at the Magalu Store, pay in up to 24 installments without paying interest;
- It is a credit card approved with low score!
In addition to all these benefits mentioned, you also get several discounts at partner stores. There are several products such as fashion, pharmacy, cosmetics and much more. Just buy through the App!
Benefits of Visa Platinum
- Travel assistance service;
- International medical emergency;
- Insurance for rental vehicles;
- Free parking at restaurants and shopping malls;
- Participation in the Vai de Visa Loyalty Program.
How to apply for Magalu Visa Platinum
You can easily apply for this card online. The first step is to access the Magalu website under the cards tab or the Itaú website. Then, enter your details on the form and wait for the credit analysis to be approved.
5 – Samsung Itaucard Visa Platinum
The fifth free credit card suggestion is the Samsung Itaucard Visa Platinum. If you are already a fan of the brand, the card was created to offer a complete experience in Samsung stores. In fact, after credit approval, you can use the card immediately. There is no need to wait for the physical card to arrive.
Advantages of Samsung's Free Credit Card
- Zero annual fee;
- Contactless technology;
- Visa Platinum;
- Special installment plan: don't be left wanting any longer, pay for your Samsung in up to 24 interest-free installments;
- Price protection: always pay the lowest price with your Visa. Because if you buy a product today and in 30 days find it at a lower price, you can receive the difference;
- Virtual Card: You don't need to wait for your physical card to arrive before you can use it. In fact, you can make purchases instantly using Samsung Pay.
- Accumulating points in Samsung Rewards: with the first transaction, the customer earns 1000 extra points. In addition to 30 points for each purchase made with Samsung Pay;
- Digital management: control your expenses in real time directly through the exclusive App.
How to order the Samsung Itaucard Visa Platinum?
To apply for this card, go to the Itaú website and fill out the application form. The bank will analyze the application and send a response to the registered email address.
The card arrives by mail within 15 days, but delivery is usually much sooner.
6 – Banco Pan: a complete line of credit with a free card and online
First of all, Banco Pan has a complete line of credit to offer to its customers. In addition, the entire hiring process is done without leaving home. With good reason, Banco Pan credit card It is an excellent option, there is no annual fee and the application is very simple.
Advantages of Banco Pan's free credit card
Pan More: participation in Banco Pan's rewards program, with each purchase you accumulate points and can exchange them for various benefits.
Offers Club: enjoy discounts in several online stores, an opportunity to always pay the most advantageous price.
Exclusive application: you control your bill expenses and make payments directly through the Banco Pan app.
Invoice by email: Your invoice is completely digital, there is no longer any need to accumulate paperwork.
How do I get this card?
Applying for this card is very easy. First, go to the Banco Pan website and select the option with free annual fees. After that, fill in the details and wait for the credit analysis.
7 – Dafiti Credit Card
To Dafiti, One of the largest e-commerces in Brazil, recently launched a credit card for the store's customers in partnership with Banco Pan. The card is Visa and the credit card is free with no annual fee.
Advantages of the Dafiti Free Credit Card
- No annual fees;
- Contactless payment, without the need to insert it into the machine;
- Right to exclusive promotions at Dafiti, such as free shipping;
- Visa benefits included;
- Participation in the Banco Pan Loyalty Program;
- Cashback on purchases made at Dafiti and also at other commercial establishments.
How to apply for this credit card?
Well, to apply for this credit card you need to be a customer of the store. So, the first step is to register with Dafiti. After that, fill out the application and wait for the result of the credit analysis.
8 – Credicard Platinum without annual fee
Have you ever thought about having a Visa Platinum card without paying an annual fee? With Credicard Platinum you have this luxury! In addition to being a credit card that doesn't require a photo, the option is also one of the easiest to be approved and the limits are very advantageous.
💡By the way, I told a little about my story with this card and you can check it out in this post 🔜 “Instant approval credit card: check out the best options”
Credicard Platinum Benefits
Access to all Visa Platinum benefits without paying an annual fee: In fact, one of the first benefits of this card is access to Platinum advantages such as extended warranty and international medical assistance without the need to pay monthly fees.
Immediate use: As soon as your card is approved, you can immediately use the digital version, without having to wait to have the physical credit card in hand.
Digital account with Pix: By subscribing to the card, the customer is also entitled to a digital account with no fees to send and receive Pix, pay bills, top up their cell phone and much more!
Free Toll Tag: No more waiting for hours in toll lines! Use the available Tag and the money will be automatically deducted from your credit card.
How to apply?
Initially, the application for this credit card is only made through the official Credicard website. Simply provide your CPF number and personal details to apply for it.
However, you must wait for the credit analysis response, which can take up to 14 days. Once approved, you will receive an email notification. Then, accept the terms and conditions and set up your account to start using it.
9 – Nubank free online credit card
When we talk about free online credit cards, we can say that Nubank is a pioneer. After all, in less than 5 minutes you can apply for yours for free and still have access to one of the best digital accounts of the country.
In addition, the card is also an approved option even with a low score and is available for those with bad credit. In other words, even if you have a name on the SPC and Serasa, it is possible to have a credit card with a limit: Nubank with guarantee.
We mentioned this topic a few weeks ago through this content🔜 “Is it possible to have a credit card with a limit for people with bad credit?”
Benefits of the Nubank credit card
International coverage: The Nubank credit card is international, so you have the flexibility to make payments in various establishments around the world where Mastercard is accepted.
Discount for early payment of installments: If you wish to pay your credit card installments in advance, the bank offers discounts to increase your savings.
Pay directly through the App: If the store does not offer the installment plan you want, you can do the procedure directly through the App for purchases starting at R$20.00.
How to apply?
In short, the Nubank credit card application is made through the website or app. However, the activation of the card and account can only be done through the Nuconta App. The procedure is very simple, no need to take a selfie and not even take photos of personal documents.
10 – Next Credit Card
Next is Bradesco's digital account card, free of annual fees and with no bureaucracy when applying. With the Visa card, customers can make purchases in various places around the world and also participate in Vai de Visa promotions. In addition to having several perks from the bank, such as free digital account and special discounts at Cinemark and Uber.
Benefits of the Next credit card
Integration with digital wallets: You can use your credit card to pay your bills by simply tapping your phone. This is because it integrates with major digital wallets such as Apple, Samsung and Google Pay.
Transfer by Whatsapp: possibility of using the card in debit mode to make payments in a matter of minutes via WhatsApp without having to leave the conversation.
Payments by QR Code: If your cell phone does not have NFC technology, it is still possible to make payments using just the QR Code without needing the physical card in hand.
How to apply for the Next credit card?
First of all, to sign up for the free online Next credit card, you have to open a digital account at the bank. The procedure is carried out exclusively through the app in a matter of moments. However, to have the credit limit released, the bank carries out an analysis and consults SPC and Serasa.
If you have name restrictions, take the opportunity to read our article🔜 “Credit card without SPC and Serasa checks, which is the best?”
11 – Digio credit card
Digio, in addition to being a free credit card, has a high approval rate and a very advantageous limit. The big difference is the non-existence of charging of revolving interest, so when an unexpected financial event occurs, the “snowball” effect will have a smaller impact on your savings.
Benefits of having a free Digio credit card
No revolving interest rate: If something unexpected happens and the customer is unable to pay the full bill, it is possible to pay the minimum amount without being charged the famous and feared “revolving credit card interest”.
Cashback: When you buy from Digio partner websites, you get part of the money you spent back. In addition to several discounts at Digio Loja and even with personal loan partners.
Integration with digital wallets: The Digio card allows instant payment via your cell phone, as you can integrate it with the main digital wallets such as Apple, Samsung and Google Play.
12 – Free C6 Bank Credit Card
With free annual fees and a complete digital account, C6 Bank now has more than 15 million customers. The financial product also has a variety of design, since it is possible to choose the color and the printed name. Another difference is in the points program in which There is no expiration date and debit purchases also count!
Benefits of the C6 Bank credit card
C6 Free Tag: No more standing in lines for hours, because by requesting the card you have access to a free C6 Tag to use at toll booths and parking lots. This way, the money is deducted from your account immediately and you don't have to wait.
Points Program: Each purchase made using credit or debit earns points that do not expire. This way, whenever you find it convenient, you can exchange them for airline miles, products and much more!
Credit limit linked to the CDB: Another interesting advantage is the use of the CDB as a credit limit. Thus, your limit can vary according to your investments and reach up to maximum R$10,000.00.
How to apply for a free and online C6 Bank credit card?
First of all, you should know that you can apply for this card exclusively through the app, but don't worry, it's very easy. The first step is to download the app from the Apple or Google Store.
Then, select the open account option and enter your details to complete the registration. Then, wait for the credit analysis response and, once approved, simply accept the terms and choose your credit card details.
13 – Méliuz: the free credit card with Cashback in the form of Cryptocurrency
Yes, that's exactly what you just read in the title above! The Méliuz credit card now returns your purchases in the form of Bitcoin and other cryptocurrencies as well. In fact, within the App you can buy and sell your digital currencies whenever you see fit.
Benefits of the new Méliuz credit card
Cashback with cryptocurrencies: Now cashback is not limited to Brazilian currency, but also to various types of cryptocurrencies such as Bitcoin, Litecoin, among other available options.
Cash withdrawal: possibility of withdrawing the credit limit at ATMs affiliated with Banco 24 Horas.
Application with Pix: Through the Méliuz credit card management app, users now have the option to send and receive PIX. To use the feature, simply register your cell phone number, email or CPF as the key.
How to apply?
The application for this credit card is still in the waiting list phase. In other words, despite it being a free credit card, approval is not yet immediate.
Returning to the subject, the first step to joining Méliuz credit is to register on the waiting list at official website. In fact, an excellent way to increase your chances of approval is to use the app. Cashback Méliuz!
14 – Will Bank Credit Card
At first glance, the Will Bank credit card may seem like a novelty, but it is just a new version of the old free credit card Meu Pag. In fact, the card has a free digital account to send and receive Pix, make cash withdrawals and TEDs, all free of charge.
Will Bank Credit Card Benefits
Virtual credit card: Once approved, the customer has a virtual credit card to use for online purchases with greater security.
Free digital account: The digital account that comes with the card is free of fees and bureaucracy. This way, the customer can use all available resources without having to spend anything extra.
Withdrawals at the 24-hour Bank: Whenever you need, you can withdraw cash from any 24-hour ATM.
How to apply for a Will Bank credit card for free online?
First of all, applying for a Will credit card is very simple. All you need to do is access the website and fill out the application form with your name, CPF, telephone number and email. The bank will then perform a credit analysis and all other information will be sent directly to the registered email address.
Which credit card is easy to approve?
First of all, you should know that to create our list of free credit cards, we selected options with a high approval rate! Of course, everything also depends on your credit analysis, score and whether there are any incidents with SPC or Serasa.
If your credit score is bad, the easiest options to get approved are C6 Bank and Nubank. Given that institutions work with credit as collateral and Nubank usually releases minimum limits of R$$50.00 to R$$200.00 even for those with negative credit.
Learn more about this topic in the text 🔜Is it possible to get a credit card with a limit for people with bad credit?
Now if your name is clean, but your score is still low, the cards with the highest approval rate are Santander SX and Will Bank, formerly Meu Pag. Other options are also the credit card Neon and Magalu.
Take the opportunity to read too👇👇👇
Conclusion
In fact, having a free credit card in our wallet saves us a lot when we do the math. In short, Nubank has given rise to several online options for credit cards with no annual fees, and finding the best option has become a difficult task.
Now that you know the best cards, all the benefits, how it works and how to apply, you can move on to the next step: signing up. If you want options with higher limits and numerous benefits, take advantage of our recommendation for a credit card with a high limit. To do so, just click the button below!
