Credit Cards with Benefits for Shopping at Sporting Goods Stores: Which Ones Stand Out?

Credit Cards with Benefits for Shopping at Sporting Goods Stores: The universe of credit cards is vast, but not all are created equal.

Why Choose Credit Cards with Sporting Goods Benefits?

Imagine that your credit card credit It's like a personal trainer: it not only helps you achieve your goals, but also rewards you for every step you take.

Credit cards with benefits aimed at sporting goods stores work exactly like this, offering discounts, cashback or points that can be converted into products or services.

In a country where the practice of sports is growing according to the 2023 National Household Sample Survey (PNAD), 38.7% of Brazilians practice some physical activity regularly.

Therefore, investing in a card that eases your pocket when purchasing equipment is a strategic move.

These cards are designed to serve both amateur and professional athletes, turning expenses into opportunities.

Furthermore, choosing a card with specific benefits can be a differentiator for those who frequent stores such as Netshoes, Centauro or Decathlon.

For example, co-branded cards, which are issued in partnership with retailers, often offer exclusive discounts or different installment plans.

However, a specific store card is not always the best option.

In other words, premium cards from traditional banks can accumulate points that can be converted into broader benefits, such as air miles for sports trips or cashback for new purchases.

Therefore, the decision must balance your specific needs with the flexibility of the benefits offered.

Finally, personalization is a crucial factor.

While some cards offer immediate benefits, such as direct discounts, others accumulate points that can be exchanged for products in loyalty programs, such as Livelo or Esfera.

So, before you choose, ask yourself: Do you want to save now or invest in future benefits?

This reflection is essential to align the card with your lifestyle and your sports goals, ensuring that each purchase is a step towards a greater reward.

Main Benefits of Sports Purchase Cards

When it comes to credit cards with benefits, the variety of advantages can be impressive, but you need to filter what really makes a difference when shopping at sporting goods stores.

Firstly, direct discounts are an immediate attraction.

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Co-branded cards, such as the Netshoes Card, offer up to 30% off selected products and payment in up to 12 interest-free installments.

In this sense, it is ideal for those planning larger purchases, such as bicycles or weight training equipment.

This advantage is especially useful for consumers who concentrate their purchases in a single store, maximizing savings in the short term.

Furthermore, points programs are a differentiator for those looking for flexibility.

Cards like Itaú Personnalité Black Pontos accumulate up to 3 points per dollar spent, which can be transferred to programs like Livelo.

So, where it is possible to redeem sports products or even airline tickets for international competitions.

Unlike co-branded cards, these premium cards offer benefits that go beyond sports retail, such as access to VIP lounges at airports, ideal for athletes traveling to events.

However, it is important to consider the annual fee, which can be high, although often waived with minimum spending.

On the other hand, cashback appears as a practical alternative for those who prefer immediate financial returns.

The C6 Carbon, for example, offers up to 3.5 points per dollar spent, which can be converted into cashback or redeemed as credit on your bill, allowing you to reinvest the amount in new sports purchases.

This option is particularly attractive to consumers who don’t want to be tied to a single store or loyalty program, offering the freedom to use the financial return as they wish.

Therefore, choosing the ideal benefit depends on your consumption profile and long-term goals.

Card Benefits Table

Card	Main Benefit	Annuity	Score per Dollar	Partner Stores
Netshoes Card	Up to 30% discount and 12 installments	Free	–	Netshoes, Zattini
Itaú Personality Black	Points transferable to Livelo, VIP lounges	R$ 1,200 (exempt with expenses)	3 points	Various (via Livelo)
C6 Carbon	Cashback and convertible points	R$ 1,176 (exempt with expenses)	3.5 points	Flexible (via C6+Benefits)

Credit Cards with Benefits: Practical Examples of Card Use

Example 1: The Urban Cyclist

João, a 32-year-old urban cyclist, wanted to buy an R$ 8,000 electric bike from Netshoes for his daily commute in São Paulo.

He opted for the Netshoes Card, which offered a 20% discount on a seasonal promotion and payment in 12 interest-free installments.

With the discount, João paid R$ 6,400, saving R$ 1,600, and divided the amount into installments of R$ 533.33.

Plus, free customization of accessories like a bottle holder adds a special touch to your purchase.

For João, the co-branded card was the ideal choice, as he already concentrated his purchases on Netshoes and did not need additional benefits, such as miles.

This experience highlights how co-branded cards can be advantageous for consumers with specific preferences.

However, João needed to keep an eye on promotions, as discounts vary depending on the time of year.

Furthermore, as the card does not accumulate points, it is less suitable for those seeking long-term rewards, but perfect for those who prioritize immediate savings in specific stores.

Finally, João also took advantage of the convenience of contactless payment, which made his smaller purchases, such as technical socks and gloves, quicker and safer.

This practicality, combined with discounts, has transformed the Netshoes Card into an ally for your sporting needs.

Thus, proving that, for focused consumers, simplicity can be synonymous with efficiency.

Example 2: The Marathon Runner

Mariana, a 28-year-old runner, planned to participate in an international marathon in 2025.

To equip herself, she needed high-performance sneakers, technical clothing and supplements, totaling R$ 3,500 in purchases from Decathlon.

Using Itaú Personnalité Black, she accumulated 10,500 points (3 points per dollar, with the dollar at R$ 5.00) in a single purchase.

These points were transferred to the Livelo program, where she redeemed airline tickets for the marathon, significantly reducing travel costs.

In addition, Mariana took advantage of unlimited access to VIP lounges at airports, a benefit of the card, during her international connections, ensuring comfort between long flights.

Although the annual fee of R$1,200 is an initial investment, she was able to waive it when she reached the minimum monthly spend of R$20,000, which was feasible for her, as she was already using the card for other expenses.

In short, this case illustrates how premium cards can be ideal for those looking for broad benefits, especially for sports travel.

On the other hand, Mariana needed to carefully plan the transfer of points, since Livelo promotions can offer bonuses of up to 50% on transfers to mileage programs.

This strategy maximized the value of accumulated points, showing that, with planning, a premium card can be more advantageous than options with no annual fee, especially for athletes who travel.

How to Choose the Ideal Card for Your Sports Purchases

Choosing the right card is like selecting the perfect running shoes: they need to fit your pace and terrain.

First, analyze your consumption pattern.

If you regularly shop at a specific store, such as Centauro or Netshoes, a co-branded card may be the best option, offering direct discounts and differentiated installments.

On the other hand, if your routine involves a variety of spending, including travel or shopping at different retailers, a premium card with transferable points, like the C6 Carbon, may offer greater versatility.

Also, consider the annual fee and exemption conditions.

Many cards, such as Itaú Personnalité Black, offer exemption for high monthly expenses, which can be viable for consumers with high expenses.

However, for those who prefer to avoid fixed costs, cards with no annual fee, such as the Netshoes Card, are more accessible, although they may limit the benefits to a single store.

Therefore, weighing the cost-benefit is essential to ensure that the card meets your expectations without weighing on your budget.

Finally, evaluate loyalty programs.

Cards that are part of programs such as Livelo or Esfera allow you to accumulate points that can be exchanged for sports products.

As well as airline tickets or even experiences, such as tickets to sporting events.

However, it is crucial to check the validity of points and conversion rates, as some programs offer better rates during promotional periods.

Therefore, choosing the ideal card requires a careful analysis of your consumption profile and objectives, ensuring that each purchase maximizes your rewards.

Comparison Chart of Cards Available in 2025

Card	Minimum Income	Specific Benefits	Points/Cashback	Annual Fee Exemption
Netshoes Card	Not required	Discounts of up to 30%, payment in 12 installments	Does not accumulate points	Free
Itaú Personality Black	R$ 15,000	3 points per dollar, VIP lounges, travel insurance	3 points per dollar	Expenses of R$ 20,000/month
C6 Carbon	R$ 8.000	3.5 points per dollar, cashback, VIP lounges	3.5 points per dollar	Expenses of R$8,000/month or CDB

Frequently Asked Questions about Credit Cards with Benefits

Question	Response
Which card is best for instant discounts?	Co-branded cards, such as the Netshoes Card, offer direct discounts of up to 30% in specific stores, ideal for immediate savings.
Can I accumulate points on sports purchases?	Yes, cards like Itaú Personnalité Black and C6 Carbon accumulate points that can be transferred to programs like Livelo, useful for redeeming sports products.
How to waive the annual fee for premium cards?	Many cards, such as the C6 Carbon, offer exemption with minimum monthly spending (e.g.: R$ 8,000) or investments in CDBs. Check the conditions in the contract.
Are co-branded cards worth it?	It depends on your profile. They are ideal if you frequently buy from the partner store, but less flexible for other types of expenses.
Do points expire?	It depends on the program. At Livelo, points are valid for 24 months, while at Esfera they may vary. Always check the rules of the loyalty program.

Credit Cards with Benefits: Conclusion

In 2025, the credit cards with benefits for shopping in sporting goods stores offer options for all profiles, from the casual consumer to the competitive athlete.

The Netshoes Card is ideal for those looking for direct discounts and installments at a specific store, while the Itaú Personnalité Black and C6 Carbon stand out for the flexibility of points and premium benefits, such as access to VIP lounges and cashback.

The choice depends on your lifestyle: do you prioritize immediate savings or long-term rewards?

To maximize benefits, analyze your spending pattern, check annual fee waiver conditions and monitor loyalty program promotions.

With the right strategy, your card can be more than just a means of payment; it can be a partner in achieving your sporting goals.

So which card will take you on your next run, workout or adventure?

By: Andre Neri updated ago 4 months back