TOP 5: best no annual fee credit cards you need to have in your wallet

Nubank, Next and Inter, what do these cards have in common? The answer: zero annuity forever!

Everyone wants to have a credit card the size of their needs. And, of course, without having to pay annual fees or maintenance fees. After all, we expect the payment method to be a purchase possibility and not another financial expense.

Currently, digital banks are already mobilizing to create annuity-free credit tools. What makes these products more attractive to the consumer, who seeks benefits in a credit card beyond good limits.

Today, we bring you 5 of the best credit cards on the market for you to know and choose the one that best suits your profile. To make our list, we took into account those zero annuity cards, with a loyalty program, whether points or cashback, and that have no acquisition fee.

5. Nubank

Modern and full of benefits, the Nubank card could not be missing from our list. That's because the roxinho is already in the wallet of many Brazilians, falling into popular taste.

The card has no annual fee in the Gold and Platinum version and also has a rewards points program. But, to access it, it is necessary to disburse R$ 190,00 per year. In short, for every BRL 1,00 spent you can earn 1 point, and 4 points in the roxinho are equivalent to 1 smile mile.

Also remembering that the card is presented under the Mastercard brand, thus counting on Mastercard Surpreenda; Purchase Protection; Price Protection; Extended Warranty Insurance. The Platinum version has Travel Insurance; Concierge; Car Insurance; Priceless. In addition to having all the benefits of Mastercard Gold listed above.

4. BMG

The Standard International BMG card could not be missing. After all, in addition to being one of the best credit cards with no annual fee, the card offers personalization as an attractive feature. That's right! You can personalize your card by ordering one. enveloped account with the creative of the following teams: Barcelona, ​​Vasco, Corinthians and Atlético Mineiro. Or, you can opt for the traditional orange card.

The BMG card is multiple, therefore, it is in the debit and credit function and has a cashback program beyond special, 0,2% on purchases of the day. Not to mention the benefits of Mastercard Standard, such as Global Assistance and the Mastercard Surprise points program.

3. Next

Next Visa Internacional is also a card with no annual fee from Bradesco's digital bank, Next. The card has the benefits of the Visa Classic flag, such as: Travel Assistance Insurance; Emergency Withdrawal; Visa Checkout; Go Visa.

Although the card does not have cashback, it has special discounts that can be found in the app, such as: BRL 30,00 OFF every month on Uber trips and discounts on ticket purchases on the Cinemark network.

Calm down, it's not over yet, with the Next card you can still participate in the Livelo points program. Here, when you spend US$1, you get 1,5 points to convert for different products – from travel to smartphones.

2. Original

Although there are several credit card options available, the Original only counts as one option with no annual fee, the Original International.

The card is under the Mastercard International banner, with Surpreenda and Global Service. In addition to these benefits, the card still has cashback. In this way, with your Original card, you earn 0,15 cashback for expenses up to R$ 1.499,99 and 0,30% for expenses above R$ 1.500,00.

It is precisely because it does not have an annual fee, benefits from the Visa brand and also offers the possibility of getting twice as much money back that the Original card occupies the 2nd position on our list.

1. Inter

And in our very first place among the best credit cards with no annual fee, we have the Inter card, the entrance card in the Gold variant. Forget the annuity, because here it doesn't exist and you can still withdraw your money without any fees.

The Banco Inter card has two types of cashback. The first is cash back after invoice payment from direct debit. This cashback is 0,25%. the second is own cashback for card purchases. Bought, won! But, this opportunity is only available if the purchase is made on cash credit.

And like any Gold Mastercard, the Inter card is assisted by: Price Protection Insurance; Mastercard Global Service; Original Extended Warranty.

Now that you've seen the best credit cards with no annual fee, let's choose yours? On our website, you will find several posts about these solutions and tips for making your credit purchases safely. Come check!