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Discover Now How to Get It Approved Credit Cards, Miles, International Benefits and Easy Approval: The Ultimate Guide 2025

Discover the best cards to accumulate real benefits — even with a low score

At first, many people still see the credit card just as a way to pay for purchases in installments.
However, anyone who understands the subject knows that it can be a powerful tool to accumulate miles, receive cashback, have shopping protection and even free access to international insurance and VIP lounges.

So if you are looking for a advantageous credit card, want to travel cheaper, recover part of the amount spent or simply improve your financial life, this article is for you.
After all, understanding how to choose, request and make the most of a card with benefits is what differentiates those who earn with the bank from those who only pay interest.

Therefore, we have prepared a practical, complete and straightforward guide.
You will discover the best cards of 2025, how to get easy approval (even if you have a negative rating), increase your limit and yet use each benefit in your favor.

What are the extra benefits of credit cards?

First of all, it is essential to understand that the cards offer much more than just credit and installments.
In other words, by choosing correctly, you can turn your card into a rewards machine.

See below the main ones real benefits:

  • Cashback: a part of the amount spent comes straight back to you
  • Miles: each purchase turns into points that you exchange for airline tickets
  • Auto insurance: for travel, luggage, car rental
  • Purchase protection: refund for defect, theft or late delivery
  • Exclusive discounts: partner stores, cinemas, apps and VIP experiences

So, by using the card intelligently, you earn more than you spend.

Credit cards to earn miles and travel more

Certainly, anyone who wants to discover new destinations should consider the cards with miles programs.
They convert their spending into points that can be converted into airline tickets, upgrades, or even accommodations.

1. LATAM Pass Itaucard Gold

  • Earn up to 1.6 points per dollar
  • Access to offers and promotional tickets
  • Itaú App: Android / iOS

2. Smiles Gol Visa Platinum

  • Win 2 miles per dollar
  • Priority boarding on Gol
  • Smiles App: Android / iOS

3. TudoAzul Itaucard Gold

  • Azul Airlines Program
  • Earn boosted points on TudoAzul Club
  • TudoAzul App: Android / iOS

Practical tip: If you always fly with the same company, choose the company partner card.
This way, you accumulate more points and get redeem tickets much more easily.

Cards with real cashback: money back directly on your statement

On the other hand, who prefers get money back you can bet on cards with automatic cashback.
In fact, many Brazilians have used this strategy to deduct part of the invoices or save on shopping.

1. Méliuz Card

  • Until 1.8% cashback in shopping
  • Extra cashback at partner stores
  • No annual fee
  • App: Android / iOS

2. Inter Gold Card

  • Cashback directly into your digital account
  • Digital Bank 100%
  • Frequently adjusted limit
  • App: Android / iOS

3. C6 Carbon Card

  • 2.5% premium cashback
  • Access to VIP lounges (LoungeKey)
  • Mastercard Black with insurance and assistance
  • App: Android / iOS

Smart summary: The more you spend, the more cashback returns.
After all, it’s a way to automatically “discount” part of the bill.

International cards: shopping and traveling without headaches

However, if you usually buy outside of Brazil or travel frequently, you need a reliable international card.
In addition to making shopping easier, it offers extra protection and more advantageous rates.

1. Nubank International

  • No annual fee
  • Automatic exchange rate conversion
  • Insurance and purchase protection
  • App: Android / iOS

2. Wise (formerly TransferWise)

  • Use up to 40 different currencies
  • Exchange rate with reduced rate
  • Ideal for freelancers and travelers
  • App: Android / iOS

3. Original Bank

  • Cashback on all purchases
  • Fully digital account and card
  • App: Android / iOS

Cards with free insurance and purchase protection

Surprisingly, many people don't know that the card itself can offer automatic insurance and free assistance.
This way, you can save on travel insurance and guarantee coverage for unforeseen events.

Most common benefits:

  • Baggage loss insurance
  • Price protection and extended warranty
  • Rental car insurance
  • Health insurance for international travel

The best flags with automatic benefits they are:

  • Visa Platinum / Infinite
  • Mastercard Gold/Platinum/Black
  • Link More / Link Nanquim

Check the details in your card app.
In fact, it is common to have to activate insurance before the trip with just one click.

Cards are easy to obtain: even with a low score or negative credit history

Especially for those who are starting out or recovering, there are more affordable cards that work very well for rebuild credit.

1. PagBank Card with Guarantee

  • You deposit the limit (ex: R$300)
  • Gain real use of credit
  • After 3 months of good use, the limit can be increased.
  • App: Android / iOS

2. Will Bank Card

  • Fast approval
  • Limit grows over time
  • No fees or annual fees
  • App: Android / iOS

3. Neon Digital Credit

  • Release after simple analysis
  • Modern digital account
  • Focus on young people and financial restart
  • App: Android / iOS

Tips for increasing your limit and getting the most out of your card

Therefore, even with a good card, many users leave it aside important advantages.
Therefore, follow these recommendations:

Activate loyalty programs and cashback through the app
Request a limit increase every 3 months (even if small)
Use the bank chat to renegotiate your bill or request benefits.
Always pay in full and before the due date.
Spend wisely to keep your score high

Conclusion: The right card transforms your financial life

In summary, the ideal credit card goes far beyond a simple payment method, Credit Cards with Cashback.

In addition, it can help you travel, save money, protect yourself and earn more with what you already spend.

Therefore, choose Credit Cards with Cashback strategically.

Of course, compare the benefits, see which one suits your lifestyle and get started right away.


After all, having the right card is how to have a financial partner that works for you — and not against.

Anyway, download the apps, request your card and use responsibly, Credit Cards with Cashback.

Therefore, with planning and awareness, you can turn your credit card into a powerful tool to build the future you want.

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