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★ BEST CARDS FOR THIN FILE379 BRAZIL CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — Thin credit file

The best credit cards for thin file in Brazil

For people with a thin credit file, the best cards are cards for someone with a short or sparse credit history — an existing but limited file — that add a new tradeline, report monthly, and thicken a file so lenders can finally score it well. We track 379 Brazil cards.

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The profile

Who this guide is for

  • You have some credit but a short or sparse file
  • Lenders say your history is too thin to score well
  • You want a new tradeline that reports every month
  • You're building depth, not starting from zero
The shortlist

Top cards for thin file 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 people with a thin credit file, and rank them on estimated first-year value for a typical people with a thin credit file 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 CardBad Credit / RebuildFair CreditSecured CardsPost-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 with a thin credit file in Brazil?

The best card for people with a thin credit file in Brazil depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits people with a thin credit file: cards for someone with a short or sparse credit history — an existing but limited file — that add a new tradeline, report monthly, and thicken a file so lenders can finally score it well.

How did you choose these cards for people with a thin credit file?

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