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★ THE HONEST NUMBER ON EVERY CARD IN BRAZIL379 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSITAÚ UNIBANCO · BRADESCO · BANCO DO BRASIL · SICOOB · SANTANDER BRASIL · CAIXA ECONÔMICA FEDERAL · BRB / BRBCARD (BANCO DE BRASÍLIA)

You're probably losinga trip to Paris every year!

Most cardholders never check whether their card fits how they actually spend. In about 60 seconds, we'll match your spending against the 379 cards we track in Brazil — and show you what the difference could buy.

Calculate My Rewards

*every number on this page comes from the 379 cards in our Brazil catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 379 cards we track in Brazil against it.
NO SIGNUP · TAKES 60 SECONDS
Start the 60-second quiz

The honest number on every card in Brazil.

the full index · pointsexplained.com/br379 CARDS

CardFeeWelcomeTop rate
R$0—2% cashback em TODAS as compras online iniciadas pelo Méliuz
R$0—1.5% Other
Cartão Pernambucanas Elo Grafite
Pernambucanas / Finanpe
R$44,99/monthNot yet checked with Pernambucanas / Finanpe—10% MODA e LAR
Cartão Pernambucanas Elo Mais
Pernambucanas / Finanpe
R$21,99/month—10% MODA e LAR
R$49,90/monthNot yet checked with RecargaPay—1.3% Other
R$14,90/monthNot yet checked with RecargaPay—0.8% Other
R$100/month45.000 ptsNot yet checked with BTG Pactual—
Inter Gold
Banco Inter
R$0—1 pts per R$10 OtherNot yet checked with Banco Inter
Inter Platinum
Banco Inter
R$0—1 pts per R$5 OtherNot yet checked with Banco Inter
Inter Prime
Banco Inter
R$0—1 pts per R$2,50 OtherNot yet checked with Banco Inter

not yet checked against a published document

369 more, ranked for your exact spending
See my full ranking

Brazil, by the numbers.

i.
379
cards tracked
ii.
69
issuers covered
iii.
92
fees confirmed from issuer terms
iv.
100%
unbiased & free, always

Short reads, straight answers.

01

How to actually value a point

Why "1 point = 1c" is usually wrong — and the number that matters.
6 MIN
1c1.6c2.1cSAME POINT ·2× THE VALUE
02

Welcome bonuses, decoded

The minimum-spend traps, and clearing a bonus without overspending.
5 MIN
SPEND R$3,000 IN 3 MONTHSOVERSPEND TRAP15,000PTS
03

Is an annual fee ever worth it?

The break-even math, in one rule of thumb.
4 MIN
FEE −R$156EARN +R$1,576EARN OUTWEIGHS FEE
04

The referral effect

Why one friend's pick becomes the office default — and how to benefit.
3 MIN
YOU+R$50+R$50ONE PICK → FOUR FRIENDS
POINTSEXPLAINED · CLAIM TICKET Nº 0001EXPIRES: NEVER · TAKES 60 SEC

Your spending already earned it.
Come collect.

MEMO: free · no signup · ranked against every card we track in Brazil
VOID IF UNCLAIMED

How it works — and where to start.

i.

Tell us how you spend

A few numbers, no account — about sixty seconds.

ii.

We run the numbers

First-year value across 379 cards: bonus + earn − fee, using only figures we hold.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · BRAZILSCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
REWARDS№ 1

Rewards

183 cards in Brazil.

183 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

Cartão Pernambucanas Elo Grafite · Cartão Pernambucanas Elo Mais · Inter Gold

Browse all 183
PREMIUM№ 2

Premium

164 cards in Brazil.

164 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

Cartão Pernambucanas Elo Grafite · Cartão Pernambucanas Elo Mais · Cartao RecargaPay Black

Browse all 164
TRAVEL№ 3

Travel

69 cards in Brazil.

69 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

Inter Prime · American Express Gold Card (Bradesco) · Banescard Visa Platinum

Browse all 69
BUSINESS№ 4

Business

50 cards in Brazil.

50 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

Cartão Empreendedor RecargaPay · Bradesco Corporate Mastercard Black · Cartão BNB Agro

Browse all 50
NO ANNUAL FEE№ 5

No Annual Fee

34 cards in Brazil.

34 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

Cartao de Credito Meliuz Platinum · Cartão Empreendedor RecargaPay · Inter Gold

Browse all 34
CASH BACK№ 6

Cash Back

25 cards in Brazil.

25 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

Cartao de Credito Meliuz Platinum · Inter Gold · Inter Platinum

Browse all 25
STORE & RETAIL№ 7

Store & Retail

24 cards in Brazil.

24 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

C&A Pay · Cartão Renner · Cartão Atacadão

Browse all 24

Questions, answered plainly.

How is "first-year value" calculated?

Welcome bonus plus earn rates against your actual spending, minus the annual fee — using only the figures we hold for each card, and leaving out any we have not confirmed.

How do you make money if it's unbiased?

Today it doesn't: PointsExplained has no affiliate partnerships and earns nothing from card issuers. Rankings are driven by value to you, by the same rules for every card — and we show the math.

Where do the card details come from?

The issuer's own published terms, and in some countries the regulator's own product data. Where we hold a figure we print it; where we don't, we leave it blank and say so rather than guess.