{"id":6358,"date":"2025-04-25T20:17:48","date_gmt":"2025-04-25T20:17:48","guid":{"rendered":"https:\/\/tharico.com.br\/?p=6358"},"modified":"2026-06-16T17:22:47","modified_gmt":"2026-06-16T17:22:47","slug":"cartao-de-credito-com-cashback-o-que-e-indicacoes","status":"publish","type":"post","link":"https:\/\/tharico.com.br\/en\/cartao-de-credito-com-cashback-o-que-e-indicacoes\/","title":{"rendered":"Credit Card with Cashback: What It Is and Country-Specific Recommendations"},"content":{"rendered":"<p class=\"wp-block-paragraph\">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 <strong>9 reliable options<\/strong>, being <strong>3 from Brazil, 3 from the United States, and 3 from the United Kingdom<\/strong>, read and check!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is a cashback credit card?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>-Credit on bill<\/li>\n\n\n\n<li>-Transfer to checking account<\/li>\n\n\n\n<li>-Points converted to cash<\/li>\n\n\n\n<li>-Loyalty program balance<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This percentage varies depending on the bank or issuing company, the card category, and even the type of purchase made.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Advantages of a credit card with cashback<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Besides the practicality of conventional credit, cashback offers very attractive advantages, such as:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Real economy<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You get a portion of the amount spent back, which helps you save at the end of the month, especially on recurring purchases.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Effortlessly<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Just use the card as you normally would. There's no need to accumulate points, wait for drawings, or redeem complex prizes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Transparency<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many cards clearly show how much cashback you've accumulated and when you can use it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Additional Benefits<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some cards also offer insurance, access to airport VIP lounges, discounts at partner stores, and more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to apply for a credit card with cashback?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The process is simple, but requires attention:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 1: Compare options<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Research fees, cashback percentage, income requirements, and compatibility with your spending profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 2: Fill out the form<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 3: Await analysis<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The bank analyzes your credit history (score, debts, etc.) and may approve or deny the application.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 4: Activate and enjoy<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">After receiving the card, activate it in the app and start using it to accumulate cashback!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best cashback credit cards in Brazil<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Nubank Ultraviolet<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 1% on all purchases<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> The cashback does not expire and yields 200% of the CDI<\/li>\n\n\n\n<li><strong>-Rates:<\/strong> R$ 49\/month (waived with monthly spending of R$ 5,000 or more)<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> Ideal for those who spend a lot and want automatic returns<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Through the Nubank app<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Banco Inter Mastercard Black<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> Up to 1% on purchases<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Direct refund to your statement or via the app<\/li>\n\n\n\n<li><strong>-Rates:<\/strong> Zero (for Inter One customers or investments of more than R$ 250 mil)<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> Zero-cost premium card<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Through the Banco Inter app<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. M\u00e9liuz Card<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> Up to 1.8% on purchases + bonuses from partner merchants<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Money transferred to bank account<\/li>\n\n\n\n<li><strong>-Rates:<\/strong> Free<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> One of the largest market shares<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Through the M\u00e9liuz website or app<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best cashback cards in the United States<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Chase Freedom Unlimited<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 1.5% on all purchases, up to 5% in select categories<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Credit on invoice or bank deposit<\/li>\n\n\n\n<li><strong>-Annual fee:<\/strong> Zero<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> Great for those looking for versatility and bonuses<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Chase Official Site<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Citi Double Cash Card<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 2% (1% upon purchase and 1% upon payment)<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Deposit or statement credit<\/li>\n\n\n\n<li><strong>-Annual fee:<\/strong> Zero<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> One of the best returns in the American market<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Citi Site<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Discover it Cash Back<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 5% in rotating categories, 1% in other purchases<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Credit or deposit<\/li>\n\n\n\n<li><strong>-Annual fee:<\/strong> Zero<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> Double cashback in the first year<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Discover Website<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best cashback cards in the UK<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. American Express Platinum Cash Back Everyday<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 0.5% on spending up to \u00a310,000, 1% on amounts above that<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Automatic credit on annual statement<\/li>\n\n\n\n<li><strong>-Annual fee:<\/strong> Free<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> It doesn't require a high minimum income<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Amex UK website<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Barclaycard Rewards Card<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 0.25% + no fees for purchases made abroad<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Automatic credit<\/li>\n\n\n\n<li><strong>-Annual fee:<\/strong> Free<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> Ideal for travelers<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Barclaycard Website<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Santander All in One Credit Card<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cashback:<\/strong> 0.5% on all purchases<\/li>\n\n\n\n<li><strong>-Operation:<\/strong> Applied monthly to the bill<\/li>\n\n\n\n<li><strong>-Annual fee:<\/strong> \u00a336<\/li>\n\n\n\n<li><strong>Highlights:<\/strong> Simple and straightforward, with fixed cashback.<\/li>\n\n\n\n<li><strong>-Request:<\/strong> Santander UK website<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bonus tip: how to make the most of cashback?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>-Concentrate your purchases<\/strong> on the card with cashback<\/li>\n\n\n\n<li><strong>-Avoid long payment plans<\/strong>, that don't generate as much return<\/li>\n\n\n\n<li><strong>-Stay tuned for promotions<\/strong> with boosted cashback<\/li>\n\n\n\n<li><strong>-Use the bank app<\/strong> to track your earnings<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is it worth using a credit card with cashback?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">See also our article \u201c<strong><a href=\"https:\/\/tharico.com.br\/en\/emprestimo-pessoal-e-para-empresas-opcoes\/\">Personal and Business Loans<\/a><\/strong>\u201c. <\/p>","protected":false},"excerpt":{"rendered":"<p>Os cart\u00f5es de cr\u00e9dito com cashback t\u00eam se tornado cada vez mais populares em todo o mundo. Afinal, quem n\u00e3o gosta de receber parte do dinheiro de volta a cada compra feita? Neste artigo, voc\u00ea vai entender o que \u00e9 um cart\u00e3o com cashback, suas principais vantagens, como solicit\u00e1-lo e conhecer 9 op\u00e7\u00f5es confi\u00e1veis, sendo [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":6359,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[250,251,253,252],"class_list":["post-6358","post","type-post","status-publish","format-standard","has-post-thumbnail","category-dicas","tag-cartao-cashback","tag-cartao-com-cashback","tag-cartao-de-credito-cashback","tag-cartao-de-credito-com-cashback"],"_links":{"self":[{"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/posts\/6358","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/comments?post=6358"}],"version-history":[{"count":2,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/posts\/6358\/revisions"}],"predecessor-version":[{"id":6615,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/posts\/6358\/revisions\/6615"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/media\/6359"}],"wp:attachment":[{"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/media?parent=6358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/categories?post=6358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tharico.com.br\/en\/wp-json\/wp\/v2\/tags?post=6358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}