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★ BEST CARDS FOR NEGATIVADOS379 BRAZIL CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — Cartões para negativados (bad-credit)

The best credit cards for negativados in Brazil

For applicants with a negative credit record, the best cards are cards for applicants whose name is 'negativado' (a negative record at Serasa/SPC) — options with light or no credit check, secured products, and paths that report positive history to clean up your standing. We track 379 Brazil cards.

*Brazil's single largest persona by search demand ('negativados').

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The profile

Who this guide is for

  • Your name is negativado or your score is very low
  • You've been refused by mainstream banks
  • You want a card with a light credit check or a guaranteed limit
  • You need to rebuild a positive payment history
The shortlist

Top cards for negativados in Brazil

8 ranked
№ 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
Apply nowRead our review →
№ 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
Apply nowRead our review →
№ 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
Apply nowRead our review →
Method

How we picked

We start from every card we hold in Brazil, keep those that suit applicants with a negative credit record, and rank them on estimated first-year value for a typical applicants with a negative credit record 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

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Questions

Frequently asked

What is the best credit card for applicants with a negative credit record in Brazil?

The best card for applicants with a negative credit record in Brazil depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits applicants with a negative credit record: cards for applicants whose name is 'negativado' (a negative record at Serasa/SPC) — options with light or no credit check, secured products, and paths that report positive history to clean up your standing.

How did you choose these cards for applicants with a negative credit record?

We start from every card we hold in Brazil, keep those that suit applicants with a negative credit record, and rank them on estimated first-year value for a typical applicants with a negative credit record 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.