How about taking advantage of the points program to consume more?

Advertisements

THE points program is a service offered by banks or credit card companies. 

With it, customers can accumulate many points, which can then be used to purchase products and services with up to 100% in discounts.

Programa-de-pontos

Other than that, unused points can be sold, donated or transferred to other people.

Read the text and find out how this service works and how to take advantage of the opportunity to consume more. Check it out!

What you will find in this post:

What is a points program?

THE points program is a form of reward and build customer loyalty. It is usually managed by a bank or credit card issuer, either alone or in partnership with other companies, such as airlines.

In this program, customers earn points when making purchases with certain credit cards, platforms or even in partner stores.

However, these points can be exchanged for discounts on services and products, credit on your card statement, cashback or be converted into miles and sold.

Despite having become a popular action in Brazil, the companies responsible for these programs fail to pay millions in points to their customers simply because they do not redeem these accumulated points.

Therefore, It is important to know how to make the most of the benefits that this program offers and have the opportunity to consume more, but with greater savings.

How to score?

It depends on the company or credit card. There are different ways to earn points, but generally it is by paying for purchases with credit cards that earn points, on platforms or even in partner stores.

To know exactly how to score, you need to know your credit card's points program.

If you don't yet have a credit card that accumulates points, in the next topic you will learn about 4 of the best credit card options for earning points. 

What are the best credit cards for earning points?

como-pontuar-no-cartao-de-credito

One of the best ways to earn points is by choosing a credit card that earns more points.

Below, you will find 4 of the best cards for accumulating points. Check them out!

1. C6 Bank Carbon Black credit card

The Credit Card C6 Bank Carbon Black has an annual fee of R$1,020.00, but there is the option to pay in up to 12 installments of R$85.00, in addition, the first three months are free.

The minimum income required to apply for this card is R$1,4,500.00 and with it, you can make purchases in Brazil and abroad safely, without having to change cards when you travel.

Regarding points, you earn one point every time you use your card to pay for your purchases, regardless of the amount you spend. With 5 points or more, you can buy one product and take another.

Other than that, you can still earn 2.5 points for every dollar spent, that is, You take advantage of lower prices on your favorite international websites and earn points to spend even more.

2. Sugarloaf Plus Itaucard Visa Platinum Card

This credit card It is perfect for those who do not like to shop on international websites, because it scores points per real and not per dollar, in this case, for every R$1 real spent you earn 1 point.

You can exchange these points for miles in the Tudo Azul, Smiles or Latam Pass programs. If you prefer, you can exchange them for discounts at Pão de Açúcar.

The annual fee for this card is more affordable than the previous option, just R$12X of R$54.17.

If you really want to travel but are having trouble planning your trip, with points program of this credit card it will be much easier.

Use the card to pay for your purchases, exchange for miles and enjoy travel benefits in the card's partner miles programs.

Plus, you can still enjoy the benefits that the card brand offers, for example:

3. Itaú Private Visa Infinite Card 

This card has no annual fee and international coverage. It earns 3 points for every $1 spent on international purchases.

In domestic purchases, it scores less, just 2.5 for every dollar spent.

Banco Itaú credit cards score points in Iupp points program, in fact, you will find more details about this program in the next topic.

The points accumulated on this card can be converted into miles in the following loyalty programs:

With this credit card you also have access to many other benefits, for example, exchanging points for discounts on your bill, products and services at partner stores.

4. Azul Itaucard Visa Infinite Card

This card is exclusive to people with high purchasing power, because the minimum income to apply for one is R$1,400,000.00.

In return, it offers many advantages and benefits to its customers, one of which is points, you earn 3 points for every dollar spent on national purchases and 3.5 on international purchases.

The accumulated points can only be used in the company's loyalty program, Tudo Azul, as the card comes from a partnership between Itaú and the airline Azul.

What are the best points programs today?

Currently, there are different points programs In Brazil, each of them has its own rules, advantages and properties. Continue reading and discover 4 of the best.

1. Livelo points program

The Livelo program is one of the best and most well-known in Brazil. Livelo users can redeem their points for discounts on airline tickets or accommodation.

Other than that, you can still transform your points into miles from some airline loyalty program, in which case, it is possible, for example, to sell these miles.

Depending on the amount of miles, you will have a good amount of money to be able to consume more, and you can even use the money to earn more points, for example, by paying your credit card bill, freeing up your credit limit, buying more and earning more points.

Therefore, it becomes a kind of vicious circle, however, it is important to be careful not to turn it into a negative vicious circle.

Among the main benefits that Livelo offers, we can highlight the possibility of accumulating points using different credit cards and their variations. 

You probably have a credit card in your wallet that counts towards Livelo points program.

Additionally, you can transfer your points from other programs to Livelo and still earn R$1 for every 1 point transferred.

Finally, it is worth highlighting that for a small monthly amount, you can join the Livelo Club and have access to many other benefits.

2. Iupp points program

Iupp is the program of Itaú Bank points. You probably have a credit card from this bank in your bag, but you don't know how to score points, right?

Know that you are missing out on the opportunity to enjoy many benefits and even increase your purchasing power when exchanging points.

In this program, you earn 1 point for every 1 real spent, meaning you can earn a lot of points and quickly accumulate many points to exchange for items or even use as a form of payment in the platform's partner stores.

Among the main partner stores of Iupp Itaú, we find, for example:

The big difference with this program is that it also includes non-account holders, that is, you don't need to be a Banco Itaú customer to score points and enjoy the benefits that it offers. points program gives.

In addition, you also earn up to 3% cashback as credit on your Itaú card statement and can donate your points to social causes, if you prefer.

3. KM of Advantages

This is the points program of Ipiranga gas station. There is no membership fee and you can earn points even without having an Ipiranga credit card, but if you pay with this card, you can earn much more points.

Additionally, you can earn points whenever you use a network service or make purchases on partner websites.

In this program, the points are in the form of km, but it is like a common points program.

When exchanging your points it is also possible earn cashback and use this amount to take advantage of promotions on the Km de Vantagens website.

4. Nubank Rewards points program

With the Nubank Rewards Your points do not expire, so you will have time to accumulate more and decide in advance what will be the best way to use them.

Among the partners of the Nubank points program we find, for example:

One of the great advantages is that with Nubank you have more freedom to exchange your points for services and products that you actually use and can improve your quality of life.

How can I take advantage of the points program to consume even more?

como-aproveitar-o-programa-de-pontos

First, you need to check whether you need to register your card with a points program or whether they automatically earn points.

You can start by visiting the websites of the programs or credit cards that we mentioned in the previous topics and check how to register.

Once this is done, the next step is to start paying.r your accounts with your card and buy from partner stores.

Of course, you don’t have to shop like crazy to earn points. See how you can earn points by paying important bills in your daily life.

For example, grocery shopping is an essential expense and is already part of your routine. By paying for it with a card that earns points, you can certainly convert those points and earn discounts, sell miles or even reduce the amount of your bill.

Bank bills for water, electricity, telephone and gas can also be paid with your credit card, so you can earn points and enjoy the benefits of points program.

Every time you need to buy something, first check if the store is a partner of a credit card that earns points or one of the most advantageous points programs.

This way, you can purchase products at a discount if you already have enough points accumulated and you can use the money you save to purchase more items and earn more points.

This is certainly a great way to take advantage of the points program to consume more, without getting bogged down in debt and disrupting your financial planning.

Conclusion

The points program can be very advantageous and a great option for you to increase your purchasing power and consume more.

However, it is important to be careful. Economists recommend that you plan your expenses and payments so that you can earn points on essential bills that are already part of your routine.

However, it is not recommended to go out and buy things without control with your credit card to earn points. This can affect your finances and limit your purchasing power.

Therefore, plan your expenses and the best way to take advantage of this program and its benefits, so that it is, in fact, something advantageous.

Did you enjoy learning about this new feature? Take advantage and learn about the C6 Bank Carbon credit card and become part of a points program that never expires. Click the button below and find out everything!

👉C6 BANK CARBON CREDIT CARD ➔
By: Nara updated ago 1 year back