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With so many options out there, it can be hard to know which card to choose. That’s why we’ve decided to make things simple for you by highlighting the cards that stand out for their perks, like loyalty points, cashback, included insurance, and more.
Whether you’re a frequent traveler, a shopaholic, or simply looking for financial convenience, this guide will help you find the perfect credit card that fits your needs and lifestyle.
Let’s talk about the details and find out which cards can make your financial life not only easier, but also more rewarding.
What Can We Consider as Benefits of Credit Cards?
Cashback is like getting a small refund on the amount of purchases you make with your card. For example, if a card offers 2% cashback and you buy something for R$100, you get R$2 back.
Some cards allow you to accumulate points or airline miles with each purchase. These points can be exchanged for rewards, such as airline tickets, hotel stays, or other products and services.
Many cards include free insurance when you use the card to buy airline tickets, rent a car, or make purchases. This can include travel insurance, insurance against theft or damage to purchases, and more.
Certain cards offer free or special access to VIP lounges at airports, providing a quiet and comfortable place to wait for your flight.
Some cards have partnerships with stores, restaurants and services, offering exclusive discounts, special offers or better conditions for cardholders.
These benefits are designed to make using a credit card more attractive by saving money, offering additional protection, or providing exclusive experiences.
When choosing a card, it’s important to consider which benefits best align with your lifestyle and financial needs.
Cashback: Cards That Give You Money Back
Many credit cards offer the benefit of cashback, and they can be found under the most well-known brands such as Visa, Mastercard, American Express, among others.
What determines whether a card offers cashback or not are the specific programs of card issuers, such as banks and fintechs, and not necessarily the card brand.
Visa and Mastercard, for example, are two of the most popular and widely accepted brands worldwide, and many of their cards, offered by different banks and financial institutions, come with cashback options.
These can range from general cashback on all purchases to higher cashback on specific categories, such as food, fuel or online shopping.
American Express is also known for offering cards with generous rewards, including cash-back programs. Its cards often feature premium benefits, including competitive cash-back rates across a variety of spending categories.
Fintechs and digital banks have entered the market with attractive cashback offers, often in partnership with these major brands, to provide consumers with more options.
Specific details, such as cashback rates and terms, can vary significantly between different cards and issuers, so it's always a good idea to review current terms and conditions and offers before making your choice.
Travel More Paying Less With Points and Miles
Many airlines partner with banks to issue co-branded credit cards.
Using these cards for everyday purchases and directly with the airline often earns miles in airline-specific loyalty programs, which can be used to book free flights and other travel-related benefits.
Brands such as Visa, Mastercard and American Express offer cards through partner banks that allow you to accumulate points or miles that can be transferred to various airline or hotel loyalty programs.
These cards are versatile, as the accumulated points can be used in a variety of rewards programs, offering flexibility to the traveler.
Some traditional banks and fintechs offer their own points or miles programs, which can be accumulated through credit card purchases.
These points can often be converted into miles from partner airlines or used on the bank's or fintech's own travel booking platforms.
The best card options for accumulating miles may vary depending on your travel preferences, favorite airlines, and your spending habits.
Carefully evaluating your options and terms can help you maximize your benefits and save significantly on your next trip.
