Discover the most affordable options and the benefits offered, perfect for those looking for practicality and quick credit
get a credit card, especially for those with negative credit ratings, can seem like a challenge. However, some institutions financial have been offering cards with easier approval.
These cards combine simplified analysis, limit building possibilities and, in many cases, the absence of abusive fees. Below, we highlight the best options of easy-approval cards in 2025.
Santander Free
O Santander Free, now with even more affordable conditions, is an excellent choice for those with bad credit. It offers no fees and the possibility of unlimited withdrawals when linked to the bank's Free account.
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In addition, it is an international card that can be requested with a simple and quick analysis. Another positive point is the free additional card, ideal for families who want to share the limit.
PayBank
O PayBank continues to be a prominent alternative. To obtain the credit card, simply invest in a CDB on the platform, which works as a guarantee of the limit.
Even those who face restrictions on their CPF can easily apply for the card. PagBank's digital account, complete and intuitive, offers practical solutions for everyday life, from payments to transfers.
Furthermore, the PagBank Prepaid is another interesting option. Without consulting SPC or Serasa, it guarantees immediate approval and allows you to build your limit with the balance available in the account. It is a perfect choice for those looking for simplicity and financial control.
C6 Bank
O C6 Bank has an innovative proposal for those with bad credit: the limit guaranteed by investing in the CDB C6 Guaranteed Limit.
With investments starting at R$100, the customer transforms the invested amount into a credit limit, which can reach up to R$100, with a yield of 100% of the CDI. This flexibility makes C6 Bank one of the best options for 2025.
Santander FREE (formerly SX)
The card Santander FREE, the replacement for the old SX, has improved its conditions to serve those with bad credit. With a total exemption from annual fees and no requirement to prove income, it also offers discounts on the Esfera program and the possibility of paying bills with a credit card. This makes financial organization easier, concentrating expenses in one place.
Nubank Guaranteed Limit
O Nubank Guaranteed Limit allows the customer to transform money invested in Caixa or Tesouro Direto into a credit limit.
With no annual fee and internationally accepted by Mastercard, it is a practical and affordable option. This option allows people with bad credit to access credit in a safe and planned manner.
RechargePay
With RechargePay, the customer can reserve part of the available balance in the account to be converted into a credit limit. This amount still yields 110% of the CDI, guaranteeing a financial return.
In addition, the card is international, has no annual fee and offers cashback on all transactions. A complete solution for those looking to save money and enjoy benefits.
Will Bank
O Will Bank, formerly known as Meu pag!, stands out for its simplicity and financial advantages. With a yield of 100% of the CDI in the digital account, it offers a credit card with no annual fee and with international acceptance under the Mastercard brand.
Customers can also take advantage of the Surpreenda loyalty program, adding value to their daily purchases.
Is it possible to have cards for people with bad credit?
Although credit approval for those with bad credit still depends on specific analyses, the cards mentioned demonstrate that there are viable options on the market.
Most require some type of counterpart, such as investments in CDBs or balance reserves, but this strategy offers advantages such as financial returns and greater control over the credit limit.
With these alternatives, 2025 promises to be a more accessible year for those seeking credit even when facing restrictions on their name.
Whether due to practicality, lack of fees or the possibility of building a limit in a planned way, the options listed show that it is possible to achieve greater financial freedom even in adverse situations.