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The Best Credit Cards Get New Benefits In 2025, With Miles, Cashback, Zero Annual Fee And Advantages That Transform Everyday Spending Into Travel And Real Discounts On Bills.
The best credit cards are no longer seen only as villains of debt but have become allies of financial life, especially for those who want to travel more without significantly increasing their expenses. In 2025, banks and fintechs compete for customers with mileage programs, cashback, no annual fee, and extra benefits that range from travel insurance to access to VIP lounges at airports.
A survey by iDinheiro shows that 67% of people use credit card miles to travel more, and that zero annual fee is the most relevant factor when choosing a product. At the request of E-Investidor, the platform mapped out the best credit cards to earn miles in 2025, highlighting options with no minimum income to alternatives aimed at those who spend higher amounts every month.
Cards Without Annual Fee And No Minimum Income: C6, Inter, And Digio
For those who want to start accumulating points without hassle, there are options among the best credit cards that don’t require a minimum income and offer zero annual fee right away.
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The C6 card allows you to earn points on both credit and debit in the Átomos program, with R$ 1 generating 0.05 points on credit and 0.03 points on debit. The points do not expire and can be transferred to programs like Livelo, TAP, Smiles, LATAM Pass, and TudoAzul, in addition to being used for products in the C6 Store, airline tickets, or even as cashback in the account or the bill.
With the Inter card, the points are accumulated in the Inter Loop program, at a rate of R$ 10 for 1 point, also with no expiration. The points can be converted into cashback, discounts on the bill, or miles in TudoAzul, as well as providing access to discounts and cashback at various Inter Shop stores.
The Digio card connects to the Livelo program. For every R$ 3, R$ 2, or R$ 1 the customer earns 1 point, depending on the DigioLivelo subscription starting at R$ 4.90 per month and a percentage of the bill.
You can transfer points to airlines with bonuses during promotional periods, in addition to using cashback in the account or the bill and discounts at partner stores. The drawback is the need to pay for the DigioLivelo subscription to earn points on all purchases.
Zero Annual Fee With Requirements: C6 Platinum And Inter
Among the best credit cards, there are also alternatives that maintain the zero annual fee but require a minimum monthly spend or relationship with the bank. This category includes more comprehensive versions of already known products.
The C6 Platinum card, for example, continues not to require a minimum income and retains the points logic of C6, starting with R$ 1 generating 0.05 points on credit and 0.03 points on debit, which can reach up to 0.45 points per real spent when subscribing to one of the Átomos plans.
In addition to the points, it offers car insurance, medical assistance for international travel, corkage fee exemption, and concierge service. One point to note is that C6 requires monthly expenses above R$ 3,000 and payment of bills and invoices above R$ 1,500 at the bank to increase the score.
In the mid-tier segment, the Inter Platinum card requires a salary of R$ 6,000 over the last six months or investments between R$ 50,000 and R$ 150,000 at the bank. The points earning mechanism is 1 point for every R$ 5, with no bonus points. In return, the card offers access to the Inter One platform, with investment consulting, as well as insurance, travel assistance, corkage fee exemption, and participation in the Mastercard Priceless Cities program.
Miles And Free Annual Fee For Those Who Spend Between R$ 1,000 And R$ 4,999 Per Month
For those who already have a more consistent monthly spending on the card, some of the best credit cards combine strong mileage programs with the possibility of a free annual fee starting from a minimum billing amount.
The Azul Platinum card, with minimum income of R$ 7,000, offers 2.2 miles per dollar on general purchases and 2.6 miles per dollar on Azul purchases. If the customer reaches a total of R$ 12,000 in spending on the first three bills, they receive 12,000 bonus points.
The annual fee is 12 installments of R$ 59, but it becomes free for those who spend R$ 4,000 per bill. Among the benefits are free flight anticipation, free baggage on domestic and international flights, access to the VIP lounge in Viracopos, 10% discount and payment in up to 12 installments without interest when purchasing Azul tickets, in addition to travel insurance through the Visa Platinum network.
The LATAM Pass Platinum card requires minimum income of R$ 5,000, with scoring of 2 miles per dollar on all purchases. Upon accumulating R$ 12,000 in spending on the first three bills, the customer earns 8,000 bonus points.
The annual fee is 12 installments of R$ 59, with exemption when spending R$ 4,000 per month and a 50% discount when spending R$ 2,000. Among the differentials are exclusive promotions for ticket redemption, installment options for up to ten times on LATAM flights, travel insurance, and the possibility of cabin upgrades.
The Azul Gold card serves as an intermediary option, with minimum income of R$ 2,500. The points earning is 1.7 miles per dollar on general purchases and 2 miles per dollar on Azul purchases, with a bonus of 6,000 points upon reaching R$ 6,000 in spending across the first three bills.
The annual fee is 12 installments of R$ 42, with 50% discount for those who spend R$ 1,000 and exemption for bills starting from R$ 2,000. In addition, the customer has one free baggage on domestic and international flights, access to Espaço Azul once a year, and participates in the Topázio category of the TudoAzul program.
Miles And Premium Benefits For Those Who Spend More Than R$ 5,000 Per Month
In the high-income segment, the best credit cards focus on rapid points accumulation and expanded access to VIP lounges and exclusive services, aimed at those who travel frequently or incur high amounts on their bills.
The C6 Mastercard Black card requires minimum income of R$ 5,000 and earns 2 points per dollar, potentially reaching 2.5 points depending on the investment volume in the bank. The annual fee is 12 installments of R$ 50, with exemption for those who spend R$ 5,000 per bill.
The points can be exchanged for up to 1.2% cashback, airline tickets, discounts on the bill, and other benefits, in addition to granting unlimited free access to the Mastercard Black VIP lounge in Guarulhos and paid access to LoungeKey and W Premium Group lounges.
The C6 Carbon Black card also requires minimum income of R$ 5,000 and offers 2.5 points per dollar, potentially reaching 3.5 points according to the invested amount in C6. The annual fee is 12 installments of R$ 98, with exemption for bills starting from R$ 8,000.
Among the benefits are insurance and assistance for international travel, concierge service, corkage fee exemption, unlimited access to the Mastercard Black VIP lounge in Guarulhos, and four free accesses per year to DragonPass, Espaço C6 Bank, and W Premium Group lounges.
Finally, the Itaú Personnalité Black Points card targets an audience with minimum income of R$ 15,000. The scoring is 2 points per dollar on domestic purchases and 3 points per dollar on international purchases, with no expiration.
The points can be used for airline tickets, products, or discounts on the bill. In the benefits package, the customer has unlimited free access to the Mastercard Black VIP lounge in Guarulhos and two free accesses per year to over 1,100 VIP lounges in the LoungeKey program.
How To Choose Between The Best Credit Cards In 2025
Given so many options, there is no single absolute winner among the best credit cards, but rather the product that fits best with each person’s consumption profile.
For those just starting out or who do not want to commit to minimum spending, cards without annual fees and without income requirements, like C6, Inter, and Digio, may be sufficient for accumulating points and practically testing the use of miles and cashback.
Those who concentrate a large portion of their spending on the card and travel more frequently can benefit from cards linked to airline programs, like Azul Platinum, Azul Gold, and LATAM Pass Platinum, using the free annual fee linked to minimum spending as a financial control tool.
At the top, Black cards with wide access to VIP lounges and high points accumulation can make sense for those with higher income who frequently take advantage of insurance, assistance, and concierge services.
In the end, the most important thing is to use the benefits to support real goals, such as traveling more, reducing the bill’s cost, or gaining a safety margin in emergencies, without losing control of the budget.
Among all these options, what type of card makes the most sense for your current moment: no annual fee, linked to an airline, or with high-income Black benefits?
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