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Nubank Customers Can Now Enjoy Cashback in Dollars on Credit Card: A New Feature That Transforms the Way to Accumulate International Benefits and Expands Advantages for Those Seeking Real Savings
Nubank has just announced a change that promises to transform the way many Brazilians use their cards for international purchases. The Ultravioleta card now offers cashback in dollars on credit cards, along with 2.2 points per dollar spent. This innovation comes with advantages such as zero IOF, access to VIP airport lounges, and partnerships with mileage programs, creating a unique package in the Brazilian financial sector.
With this measure, the fintech reinforces its position as one of the most innovative institutions in the country and targets an increasingly demanding audience: consumers seeking currency advantage and real benefits when traveling.
Cashback in Dollars on Nubank Credit Card: What Changes for the Customer?
The great novelty of Ultravioleta is the option to choose between two options: receive cashback in dollars on the Nubank credit card, equivalent to 1.25% of the amount spent, or accumulate 2.2 points per dollar.
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The decision is simple, practical, and can be made directly in the app, allowing each user to tailor the card to their spending profile.
For those who prefer liquidity, cashback provides immediate returns in strong currency, protecting against the devaluation of the real. For those who value travel experiences, the accumulated points can be transferred to airline programs and converted into tickets.
This flexibility makes the product more competitive compared to other premium cards available in the market, which often require customers to follow just one rewards model.
Additionally, the option to choose dollar rewards instead of national points meets the demand of an audience that already consumes on international platforms and seeks a more advantageous way to use the card.
Zero IOF: Real Savings on International Purchases
One of the most relevant points of the new Ultravioleta is the zero IOF on purchases abroad. Unlike conventional cards that charge 6.38% IOF on each transaction, Nubank promises to return this amount to the invoice within seven days.
In practice, this means significant savings for those who travel frequently or make purchases on international sites. This measure also places Nubank at a differentiated level compared to traditional banks, which seldom offer similar conditions on their premium cards.
Together with cashback or points accumulation, this benefit further enhances the product’s perceived value. For the average customer, this represents a direct financial relief: spending US$ 1,000 on a trip could mean over R$ 200 difference on the bill due to the returned IOF.
More Comfort While Traveling: Cashback in Dollars and VIP Lounges
The cashback in dollars on the credit card is not the only attraction of Ultravioleta. The benefits package includes access to VIP lounges, which is highly valued by customers who travel frequently.
The card offers four annual visits to the Priority Pass™ network, which boasts over 1,700 lounges worldwide. Additionally, it guarantees unlimited access to the Ultravioleta Lounge at Guarulhos Airport in São Paulo, one of Brazil’s main international connection points.
These spaces offer amenities such as high-speed internet, food, drinks, and rest areas—differentiators that make the experience of travel more comfortable and productive.
Airline Partnerships Expand Cashback in Dollars Opportunities
Another highlight is the integration with the main loyalty programs in the country. Customers can transfer their points to LATAM Pass, Smiles (Gol), and Azul Fidelidade, increasing the freedom to choose the airline that best suits their needs.
This connectivity between banks and airlines enhances the utility of the accumulated points and transforms the card into a valuable ally for those who wish to travel more for less.
With the option to convert spending into miles or receive cashback in dollars directly, users find greater control over how they want to utilize their benefits.
Nu Viagens: Exclusive Advantages Within the Nubank Ecosystem
The fintech also seeks to strengthen its own ecosystem with Nu Viagens, a platform integrated into the app that allows booking hotels, purchasing tickets, and organizing itineraries.
Ultravioleta customers receive additional advantages: 9 points per dollar spent or 5% cashback. This rate is significantly higher than traditional options and serves as an incentive for users to concentrate their spending on the bank’s platform.
By centralizing the experience, Nubank reinforces customer loyalty and creates an environment where benefits feed back into each other.
Furthermore, the integration makes life easier for travelers, as all information is concentrated in a single application.
Global Account and eSIM: Connectivity with Cashback in Dollars
To complete the package, Nubank includes two services that reinforce its international offer:
- Global Account: developed in partnership with Wise, allows sending and receiving money in different currencies without exchange rate spread. This means that the customer pays only the commercial rate, without the added fees that increase expenses at other banks.
- International eSIM: provides 10 GB of internet valid for 365 days in over 150 countries. This way, the customer does not have to worry about local chips or high roaming costs.
These services reinforce the digital nature of the product and facilitate the lives of those who travel for work or leisure. In addition to saving on fees, the consumer gains convenience and autonomy.
Costs, Exemption, and Recent Changes in Nubank Ultravioleta
The Ultravioleta card has a monthly fee of R$ 49 for current customers, waived if monthly spending is equal to or greater than R$ 5,000, or for those who have R$ 50,000 invested in NuInvest. Starting in 2026, this amount will be adjusted to R$ 89, with a waiver starting from R$ 8,000 in spending.
Another important point is that the previous cashback benefit with 200% CDI yield will end on September 30, 2025. This change aims to modernize the portfolio and align the product with new market demands.
This adjustment indicates that the fintech intends to direct efforts toward a more sustainable and internationally competitive model, sidelining benefits that, although attractive, were difficult to maintain in the long term.
The Impact of Cashback in Dollars on Credit Cards in the Brazilian Market
The launch of cashback in dollars on the Nubank credit card could set a new standard for the payment methods sector in Brazil. By combining currency savings, flexibility in rewards, and travel advantages, the product positions itself as a complete solution for premium profile consumers.
This strategy could attract not only current customers looking to switch to a more advantageous card, but also new consumers who currently use competitors. In a highly competitive scenario, Nubank’s bet reinforces its vocation to break barriers and offer innovative solutions in the financial market.
More than just a card, the revamped Ultravioleta represents a paradigm shift: a product that combines technology, savings, and user experience in an integrated manner.
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