№ 1
★ BEST CARDS FOR BAD CREDIT / REBUILD379 BRAZIL CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — Bad credit — rebuild
The best credit cards for bad credit / rebuild in Brazil
For people rebuilding after bad credit, the best cards are cards for someone rebuilding after missed payments or default — high approval odds, secured or subprime products that report positive history, and terms that recover a damaged score over time. We track 379 Brazil cards.
The profile
Who this guide is for
- Your score is low after missed payments, default, or collections
- You've been declined by mainstream banks
- You want a secured or subprime card with high approval odds
- You need to build a run of positive payment history
The shortlist
Top cards for bad credit / rebuild in Brazil
8 ranked
№ 2
Banco Mercantil do BrasilVisa
Cartão de Crédito Consignado
No Annual Fee
- R$0/yr annual fee
- No Annual Fee card
№ 3
Banco BmgMastercard
Cartão de Crédito Consignado Benefício Bmg
No Annual Fee
- R$0/yr annual fee
- No Annual Fee card
№ 4
№ 5
PagBank (PagSeguro)Visa
Cartão de Crédito PagBank
Cash BackNo Annual FeeRewards
- R$0/yr annual fee
- Cash Back card
№ 6
Banco InterMastercard
Inter Gold
Cash BackNo Annual FeeRewards
- R$0/yr annual fee
- Earns 1 pts per R$10 on Other
- Cash Back card
Annual feeR$0per year
Top earn rate1 pts per R$10Two independent reads agree · not quoted verbatimOther
№ 7
Banco InterMastercard
Inter Platinum
Cash BackNo Annual FeeRewards
- R$0/yr annual fee
- Earns 1 pts per R$5 on Other
- Cash Back card
Annual feeR$0per year
Top earn rate1 pts per R$5Two independent reads agree · not quoted verbatimOther
№ 8
Banco InterMastercard
Inter Prime
No Annual FeeRewardsTravel
- R$0/yr annual fee
- Earns 1 pts per R$2,50 on Other
- No Annual Fee card
Annual feeR$0per year
Top earn rate1 pts per R$2,50Two independent reads agree · not quoted verbatimOther
Method
How we picked
We start from every card we hold in Brazil, keep those that suit people rebuilding after bad credit, and rank them on estimated first-year value for a typical people rebuilding after bad credit profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero.
More guides
Best cards for other people
TravelersFrequent FlyersInternational JetsettersPoints OptimizersHotel LoyalistsBudget BackpackersDigital NomadsBusiness TravelersCruise LoversRoad TrippersCartões de MilhasBusinessSole ProprietorsStartup FoundersE-commerce SellersCorporate / EnterpriseContractors & TradesReal-Estate InvestorsMEIBuilding CreditNo Credit / First CardFair CreditSecured CardsThin FilePost-BankruptcyYoung AdultsNegativadosLimite GarantidoConsignadoSem Consulta SPCStudentsUndergraduatesGrad StudentsInternational StudentsStudent Cash BackStudent TravelUniversitáriosCash BackFlat-Rate Cash BackGrocery MaximizerGas & CommutersDining & FoodiesOnline ShoppersStreaming & SubscriptionsRent PayersProfessionalsDoctorsNursesTeachersLawyersTech WorkersGovernment / Public SectorFirst RespondersAccountants & FinanceFamiliesNew ParentsLarge HouseholdsSingle ParentsCommuter FamiliesTeens (Authorized Users)ExecutivesLuxury TravelersAffluent High-IncomePrivate BankingMulti-Card StrategistsConcierge SeekersSeniorsFixed-Income RetireesSnowbirdsRetiree Cash BackAposentadosNewcomersNew ImmigrantsWork-Visa HoldersReturning ExpatsFreelancersSelf-EmployedRideshare & DeliveryContent CreatorsSide HustlersAutônomos
Questions
Frequently asked
What is the best credit card for people rebuilding after bad credit in Brazil?
The best card for people rebuilding after bad credit in Brazil depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits people rebuilding after bad credit: cards for someone rebuilding after missed payments or default — high approval odds, secured or subprime products that report positive history, and terms that recover a damaged score over time.
How did you choose these cards for people rebuilding after bad credit?
We start from every card we hold in Brazil, keep those that suit people rebuilding after bad credit, and rank them on estimated first-year value for a typical people rebuilding after bad credit profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank.
Why do some cards show no annual fee figure?
Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “R$0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.
How are these cards ranked?
By that estimated value, computed by the same rules for every card, with one adjustment: a card that matches this guide's goal gains 15% of its estimated value (at least 25) in the ordering, so it can rank above a card with a higher estimated value. The figure printed on each pick is the estimate itself, without that adjustment. Our methodology page sets the rules out in full. Each card's review page marks which of its figures a published document states.