Credit cards without annual fees are no longer new on the market. With the arrival of digital banks like Nubank, the modality became popular and even reached some traditional banks. Among the advantages promised by the institutions, there are usually less bureaucracies, tax exemptions and operations carried out without leaving home, in addition to the possibility of requesting the card through an application for Android and iPhone (iOS).
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In addition to Nubank, which offers the popular "roxinho", other institutions that offer credit cards without annual fees are Banco Inter, Neon, Digio and more. Check out a list of seven options below, and find out the benefits, fees and how to order a credit card without an annual fee.
Nubank offers "purple" credit card without annual fee Photo: Divulgao / Nubank
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Nubank has a credit card with no annual fee and offers other advantages, such as the possibility of ordering the item by cell phone and discounts for advance payment of installments. It is also possible to use the app to request a limit increase or reduction and to lock or unlock the card. The international "roxinho" and its MasterCard banner see how to make Nubank card. THE fintech it also offers a virtual credit card.
The Nubank Rewards loyalty program is optional and has a monthly fee of R $ 19, or R $ 190 per year. With it, a real spending on the card becomes a point, which can be used to reduce expenses in restaurants and program partners, such as Netflix, Uber and airline tickets. With 10,000 points, for example, it is possible to "erase" R $ 100 from the Nubank card.
With respect to fees, Nubank charges installment interest ranging from 0.99% to 13.75% per month. In case of delay, interest + late payment of 1% per month is charged, and a fine of 2%. The revolving credit interest rate varies between 2.75% and 14% per month.
Nubank offers "roxinho", zero annuity card Photo: Divulgao / Nubank
Banco Inter has Gold, Platinum and Black credit cards, the latter two being reserved for those who invest from 50 thousand in the application. In addition to the traditional advantages of other digital banks, such as making a credit card over the Internet and following the statement through the application, Inter has a fixed credit rate of 7.7% per month.
In international purchases, the fee charged for the Inter credit card is also considered one of the lowest in the market, namely: Dlar PTAX + 1%. A disadvantage, when compared to some digital bank cards, is that the increase in the card limit is decided by the bank after analyzing the customer's relationship with the institution.
Inter also offers a MasterCard credit card and, therefore, customers are entitled to the MasterCard Surpreenda program. Among the benefits are "Buy one and take two" at partner stores.
Inter allows you to make credit cards over the Internet; MasterCard the offered banner Photo: Anna Kellen Bull / TechTudo
Neon also allows you to apply for a credit card online. For this, it is necessary to open an account through the application and make the first transaction. The institution does not charge a fee for issuing and offers its users a virtual credit card, exclusively for online purchases.
The interest rate on the revolving credit is 9.9% per month, while the installment on the invoice is 8.9% per month. The delay penalty of 2% per month + arrears of 1% per month. Neon is an option for making Visa credit cards, which is also international and can be used to make purchases abroad.
Neon allows you to apply for a Visa credit card Photo: Divulgao / Neon
Next's non-annual credit card is available to customers of the "Na Band" current account. In addition to the basic advantages of digital banks, such as operating the card through the application, Next offers "treats" to customers depending on monthly expenses, it is possible to earn discounts at partner companies such as Uber, McDonald's and Xbox.
In case of delay in payment of the invoice, a fine of 2% will be charged on the outstanding balance + revolving amount of 9.9% per month + IOF. The Visa banner is also the international credit card.
Next Bradesco's digital bank Foto: Divulgao / Next
After approval of the registration, Digio's digital credit card arrives at the customer's home within five to 12 business days. Also with the Visa flag, the card has rates ranging from 3.99% to 10.99% per month. The installment of the invoice costs 8.9%, the interest on arrears is 10.99% and the fine of 2%, always per month. It is possible to split the invoice up to 12 times, and the app does not have the option of creating a bank account.
The cost of international transactions: Dlar PTAX + 4%. The card limit increases as the customer makes transactions, buying and paying. The Digio app provides some useful functions for users, such as invoice expiration reminder and cell phone recharge.
Banco Digio offers credit card with no annual fees Photo: Divulgao / Digio
As in other digital banks, Credicard Zero operations are performed by the application. The invoice sent by email and the payment made by bank slip. The credit card also offers discounts at partners such as Cabify, Netshoes, Decolar.com, Magazine Luiza, Rappi and more.
In addition to these benefits, those who own Credicard Zero participate in the MasterCard Surpreenda program, including the "Buy one and take two" promotion. The invoice installment rates are up to 13.5% per month and revolving credit interest is up to 13.9% per month.
The Credicard Zero application also allows you to generate a virtual card for online purchases. The card expires in 48 hours, and can only be used for one transaction, which reduces the risk of falling into virtual fraud.
Credicard Zero is a credit card with no international fees Photo: Divulgao / Ita
The meu_BMG credit card is also international and has a MasterCard banner. As a result, customers are entitled to participate in the Mastercard Surprise program with the "Buy one and take two" promotion at partner stores. The interest rate of meu_BMG varies according to the agreement, from 3% to 5%.
A distinguishing feature of the service is the possibility of making transfers between different banks and withdrawals from Banco24Horas cashiers without charge. The application allows actions such as loans and investments to be carried out, in addition to offering virtual assistant Duda to help account holders.
Good digital BMG card? Meu_BMG operations are done through the app Photo: Marcela Franco / TechTudo
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