Stop paying everything with PIX: Thiago Nigro explains 4 ways to make money with credit cards while 40 million Brazilians pay 435.9% per year on revolving credit.

Written by Bruno Teles

Published on 16/04/2026 at 11:23

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The recent video from the channel O Primo Rico, by entrepreneur Thiago Nigro, surpassed 1 million views by showing how the card can yield up to 40 days of free investment for those who pay the bill on time.

The paradox of the Brazilian card is cruel. More than 40 million Brazilians are trapped in revolving credit with interest rates of 435.9% per year, according to data from the Central Bank released in March 2026. At the same time, those who understand how the card works turn the same product into free investment for up to 40 days. Thiago Nigro, CEO of Grupo Primo and creator of the channel O Primo Rico with 7.59 million subscribers, surpassed 1 million views by presenting four ways to use the card as a financial ally.

According to Nigro, the real villain is not the revolving credit, but rather the lack of financial education. The card is just a tool that can either break bread or cut a finger, depending on who is using it.

How does a credit card transaction really work?

Every time a card machine approves a purchase, four parties communicate in less than eight seconds. The cardholder is the customer. The issuer is the bank. The brand (Visa, Mastercard, Elo) makes the card work anywhere. The acquirer is the company of the card machine.

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What are the 4 ways to make money with the card?

The first is to anticipate installments. Nubank, Inter, Itaú, and Banco do Brasil offer discounts for early payment. The calculation changes according to the Selic rate. With the rate at 14.75% per year since March 18, 2026, the first reduction since May 2024, leaving the money earning in CDI still wins by a small margin.

The second is cashback. Nigro proposes a rule of thumb: monthly fee multiplied by two, divided by the cashback percentage. A card with a R$ 30 monthly fee and 1% cashback only makes sense for those who spend at least R$ 6,000 per month. Cards with no annual fee and any cashback always make sense.

The third is Mastercard’s price protection, starting from the Gold category. The brand refunds the difference when the same product appears cheaper within 30 days after the purchase. The refund is up to US$ 100 per occurrence and US$ 200 per year. Visa has discontinued this benefit.

The fourth is to pay in installments without interest and invest the full amount in daily liquidity fixed income, such as Tesouro Selic or CDB. A TV costing R$ 3,000 in ten installments keeps the value earning while the customer pays R$ 300 per month.

Why do 40 million Brazilians fall into the trap anyway?

The revolving credit is the most expensive line of credit in Brazil. Since January 2024, a rule from the Central Bank states that the balance of the revolving credit cannot exceed the original amount of the debt. A debt of R$ 1,000 cannot turn into more than R$ 2,000. The limitation reduced the impact but did not cut the rate. Average interest rates reached 435.9% per year in February 2026, an increase of 11.4 percentage points in one month. Delinquency hit 63.5%.

The problem is more psychological than mathematical. The lack of financial education since childhood takes a toll in adulthood. It is no coincidence that the Netherlands, a country where children are considered the happiest in the world by UNICEF for growing up with autonomy from an early age, raises adults who handle money better. Knowing how a tool works inside also separates those who win from those who lose in the market, as proven by Tractian, a Brazilian company that became a unicorn worth R$ 4 billion by transforming industrial data into intelligence.

The credit card is a tool. In the hands of someone who understands how it works, it yields benefits. In the hands of someone who does not understand, it destroys.

And you, do you use the credit card to your advantage or do you still feel that it uses you? Share in the comments which of these four strategies you already apply.

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Stop paying everything with PIX: Thiago Nigro explains 4 ways to make money with credit cards while 40 million Brazilians pay 435.9% per year on revolving credit.

The recent video from the channel O Primo Rico, by entrepreneur Thiago Nigro, surpassed 1 million views by showing how the card can yield up to 40 days of free investment for those who pay the bill on time.

How does a credit card transaction really work?

What are the 4 ways to make money with the card?

Why do 40 million Brazilians fall into the trap anyway?

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Stop paying everything with PIX: Thiago Nigro explains 4 ways to make money with credit cards while 40 million Brazilians pay 435.9% per year on revolving credit.

The recent video from the channel O Primo Rico, by entrepreneur Thiago Nigro, surpassed 1 million views by showing how the card can yield up to 40 days of free investment for those who pay the bill on time.

How does a credit card transaction really work?

What are the 4 ways to make money with the card?

Why do 40 million Brazilians fall into the trap anyway?

Seen from space, an image taken by an astronaut shows an unlikely oasis in the Saudi Arabian desert, protected by a terrain that slows the advance of sand, surrounded by green circles, remnants of an extinct lake and nearly 10,000 years of preserved history.

While the U.S. still faces limitations in deep space, China is developing unprecedented technology with strategic satellites that maintain communication with the far side of the Moon and aims for dominance by 2030.

In Botswana, a salt flat of up to 16,000 km² that was once an African megalake spends months as an absolute white desert, but during the rainy season it transforms into a shallow sea that reappears from nowhere and can be seen from space in the middle of southern Africa.

The Blood Falls of Antarctica hide a living ecosystem trapped under the ice for over 2 million years, where microbes survive without light, without oxygen, and without ever having seen the Sun.

Bavarian archaeologists unearthed a medieval skeleton that had an articulated iron hand in place of its left arm, and the discovery reveals that doctors were already creating sophisticated prosthetics over 500 years ago.

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