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Bet on cards with investback It is an excellent proposal for customers who want to use credit advantageously.
This is because, with cards in this category, expenses on the invoice are converted into cashback, which in turn is directed to an exclusive investment portfolio.
So, depending on your card spending, you can get an excellent return and use it to build a positive financial life.
In today's content, we'll learn how this proposal works in practice, as well as look at two card options of this type. Stay tuned to find out!
What are investback cards?
You've probably heard countless pieces of advice about the disadvantages of using credit in your daily life. Generally, the opinions claim that credit card interest expenses could be invested, thus helping to build financial wealth.
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This view makes a lot of sense, and if you use a card full of fees on a daily basis, it can really cause you to waste money.
However, we currently have a new offering on the market, which are cards with investback.
Investback cards are nothing more than cards that convert a percentage of your billing expenses into cashback, which in turn goes directly to an exclusive investment portfolio..
So, as you use the card, a portion of these expenses comes back to you in the form of investments, which helps you build a healthier financial life.
This is a good proposal, especially for those who are not used to investing, as it allows for automatic investments.
Discover 2 card options with investback
The invest-back card offering is still new to the market, so few financial institutions are converting traditional cashback into investments.
But the good news is that there are two card options in this category available in the Brazilian market, and both are easily accessible. Learn more about them below.
Rich Card
The Rico Card is a proposal from Rico in partnership with Visa, and its unique feature is that it allows customers to convert their billing expenses into cashback and investments.
To apply for this card, you must make a minimum investment of R$1,000 and undergo a credit analysis.
Rico Card customers enjoy Visa Infinite benefits, plus cashbacks from 0.5% to 1% per invoice.
Annuity
The Rico Card is free of annual fees, so you don't have to worry about fees, and you also have the opportunity to earn with investback.
Cashback
Rico offers two main cashback proposals, the first being the most traditional, where returns range from 0.5% to 10% per invoice.
The second proposal corresponds to campaigns, where the company establishes higher investback rates per expenditure.
Performance
The investback yield rate obtained with the Rico card is calculated at 100% of the CDI, and has no administration fee.
Who can have it?
To apply for the Rico Card, you must open a Rico digital account, have an additional investment amount of R$1,000, and pass the credit analysis.
For more information, visit: Rico Visa Infinite Credit Card | Rico.
++Rico credit card: option with Investback and no annual fee (consultacred.com.br).
XP Card
The Visa Infinite XP is another option among the cards with investback, but with this option you can choose whether you want to convert your expenses into points or investments.
This card is ideal for those who enjoy travel benefits, as points earned from spending can be exchanged for exclusive services and access.
It is worth mentioning that this card has two versions: the Visa Infinite XP, and the Visa Infinite XP One, and each of them requires a minimum investment amount to apply.
Annuity
Both versions of the Visa Infinite XP are 100% free of annual fees.
Cashback
Visa Infinite XP Cashback can be earned with invoice spends starting at R$ 1,500, and return rates range from R0.5% to R1%.
Performance
The investback obtained with the XP Card is directed to a portfolio of exclusive investments, and the values in this portfolio yield 100% of the CDI.
Who can apply?
To apply for this card, you must open an XP digital account. Additionally, the customer must have a minimum amount of invested equity, as follows:
Visa Infinite XP One: XP investment portfolio with values between R$ 5 thousand and R$ 49,999.
Visa Infinite XP: XP investment portfolio with values starting from R$ 50 thousand.
It is worth mentioning that the customer must also undergo a credit analysis to obtain the card.
Find out details of the proposal: XP Visa Infinite Credit Card with Investback | XP Investimentos.
Is it worth getting cards with investback?
The Investback card proposal is very interesting for those who want to build wealth passively, that is, without having to invest regularly on their own, since expenses already generate automatic investments.
Furthermore, because these cards are free of annual fees, everything becomes even more advantageous, so if you have the minimum investment amounts, it may be worth joining this card.
After all, if you already use a card with no return on your daily life, it's better to get one that brings you profits, right?
However, it is important to note that this card should be used with caution, like all others, as the amounts invested may be lost in the event of default, as they act as a kind of guarantee to the bank.
In any case, if you like the proposals, evaluate the one that interests you most and request your card as soon as possible to start enjoying the benefits of investback!
Read also: Credit card with affordable annual fees: 5 options to save! (consultacred.com.br).
