Credit cards with cashback have become increasingly popular worldwide. After all, who doesn't like to get some money back with every purchase made? In this article, you will understand what a cashback card is, its main advantages, how to apply for one, and get to know 9 reliable options, being 3 from Brazil, 3 from the United States, and 3 from the United Kingdom, read and check!

What is a cashback credit card?

The cashback credit card is a type of card that gives the customer back a percentage of the amount spent on purchases. This amount can be returned in the form of:

• -Credit on bill
• -Transfer to checking account
• -Points converted to cash
• -Loyalty program balance

This percentage varies depending on the bank or issuing company, the card category, and even the type of purchase made.

Advantages of a credit card with cashback

Besides the practicality of conventional credit, cashback offers very attractive advantages, such as:

Real economy

You get a portion of the amount spent back, which helps you save at the end of the month, especially on recurring purchases.

2. Effortlessly

Just use the card as you normally would. There's no need to accumulate points, wait for drawings, or redeem complex prizes.

3. Transparency

Many cards clearly show how much cashback you've accumulated and when you can use it.

4. Additional Benefits

Some cards also offer insurance, access to airport VIP lounges, discounts at partner stores, and more.

How to apply for a credit card with cashback?

The process is simple, but requires attention:

Step 1: Compare options

Research fees, cashback percentage, income requirements, and compatibility with your spending profile.

Step 2: Fill out the form

The request can be made through the financial institution's website or app. You will need to provide information such as CPF, proof of income, and address.

Step 3: Await analysis

The bank analyzes your credit history (score, debts, etc.) and may approve or deny the application.

Step 4: Activate and enjoy

After receiving the card, activate it in the app and start using it to accumulate cashback!

Best cashback credit cards in Brazil

1. Nubank Ultraviolet

• Cashback: 1% on all purchases
• -Operation: The cashback does not expire and yields 200% of the CDI
• -Rates: R$ 49/month (waived with monthly spending of R$ 5,000 or more)
• Highlights: Ideal for those who spend a lot and want automatic returns
• -Request: Through the Nubank app
  

2. Banco Inter Mastercard Black

• Cashback: Up to 1% on purchases
• -Operation: Direct refund to your statement or via the app
• -Rates: Zero (for Inter One customers or investments of more than R$ 250 mil)
• Highlights: Zero-cost premium card
• -Request: Through the Banco Inter app
  

3. Méliuz Card

• Cashback: Up to 1.8% on purchases + bonuses from partner merchants
• -Operation: Money transferred to bank account
• -Rates: Free
• Highlights: One of the largest market shares
• -Request: Through the Méliuz website or app

Best cashback cards in the United States

Chase Freedom Unlimited

• Cashback: 1.5% on all purchases, up to 5% in select categories
• -Operation: Credit on invoice or bank deposit
• -Annual fee: Zero
• Highlights: Great for those looking for versatility and bonuses
• -Request: Chase Official Site
  

2. Citi Double Cash Card

• Cashback: 2% (1% upon purchase and 1% upon payment)
• -Operation: Deposit or statement credit
• -Annual fee: Zero
• Highlights: One of the best returns in the American market
• -Request: Citi Site
  

3. Discover it Cash Back

• Cashback: 5% in rotating categories, 1% in other purchases
• -Operation: Credit or deposit
• -Annual fee: Zero
• Highlights: Double cashback in the first year
• -Request: Discover Website
  

Best cashback cards in the UK

1. American Express Platinum Cash Back Everyday

• Cashback: 0.5% on spending up to £10,000, 1% on amounts above that
• -Operation: Automatic credit on annual statement
• -Annual fee: Free
• Highlights: It doesn't require a high minimum income
• -Request: Amex UK website
  

2. Barclaycard Rewards Card

• Cashback: 0.25% + no fees for purchases made abroad
• -Operation: Automatic credit
• -Annual fee: Free
• Highlights: Ideal for travelers
• -Request: Barclaycard Website
  

3. Santander All in One Credit Card

• Cashback: 0.5% on all purchases
• -Operation: Applied monthly to the bill
• -Annual fee: £36
• Highlights: Simple and straightforward, with fixed cashback.
• -Request: Santander UK website
  

Bonus tip: how to make the most of cashback?

• -Concentrate your purchases on the card with cashback
• -Avoid long payment plans, that don't generate as much return
• -Stay tuned for promotions with boosted cashback
• -Use the bank app to track your earnings
  

Is it worth using a credit card with cashback?

Yes! For those who manage their finances well and regularly use their card in daily life, cashback is an efficient way to save money. With so many options in Brazil, the United States, and the United Kingdom, you can choose the one that best suits your profile.

Whether it's for routine purchases, travel, or large expenses, cashback cards offer a direct return to your wallet, and that's always good news!

See also our article “Personal and Business Loans“.