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5 best card options with airline miles for bad debts

There are many card options with airline miles for those with negative credit, with Visa or Matercard and good benefits. Check more here!

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What better miles program 2021?

Qual melhor programa de milhas 2021?
What better miles program 2021?

Do you like to travel and want to take advantage of it to gain even more advantages when spending, but are you negative? Because it is very interesting to better understand the different card options with airline miles for negatives. That way, you can take advantage of all the advantages of this financial product and still accumulate advantages for your next trip!

Thus, the fact that you have restrictions on your CPF will not be an impediment for you to participate in excellent miles programs! But do you know which are the best 2021 miles cards and programs?

So, worry no more about discovering the best options. Because we've gathered here all the information you'll need in your search! Thus, in this exclusive article you will find excellent card options with airline miles for those with negative credit ratings! 

Therefore, if you identify with this profile and know that you will accumulate air miles and even be able to travel within the range, keep reading. So, check out everything you need to know below to enjoy the benefits of excellent cards for negative airline miles!

So let's go?

Can those with negative credit earn miles?

Because we know that millions of Brazilians are in financial difficulties, which can facilitate default, debt formation and restrictions on the CPF. Thus, the person becomes negative and finds it difficult to take out lines of credit from financial institutions.

But calm down, it's not the end of the world! So, first think about how to get out of this situation and pay off your debts through good planning of your personal finances. However, while your name is not cleared, it is still possible to enjoy services such as a credit card!

Therefore, those who are negative can hire specific credit cards for this profile: prepaid, payroll, etc. So, understand that it is possible to have access to a card with negative airline miles, just look for it with a focus on that objective.

But remember: a negative credit card will have some different things compared to a regular credit card. Because financial institutions need to find a way to ensure that default will not occur, since having a dirty name you end up representing greater risks for it.

Types of cards for negatives

Thus, cards with negative air miles usually have the following characteristics:

  • Because in general this type of card does not offer a pre-approved credit limit, offering it in the prepaid mode. That is, you need to top up the card balance to be able to use it, so there is no open invoice at the end of the month;
  • But it will not be possible to buy in installments, only in cash;
  • Furthermore, for retired customers, pensioners or civil servants there is the option of payroll credit cards. Thus, there is already a fixed invoice amount that will be deducted monthly directly from the person's benefit or salary, and the difference can be paid by bank slip.
  • You can also get a credit card with a very low limit, such as the Nubank card for negatives, with an initial limit of 50 reais.

5 best card options with airline miles for bad debts

image

Sugar Loaf Card

minimum incomenot required
Annuity550 reais (Platinum) and 380 reais (Gold) 
FlagInternational Mastercard
BenefitsEntry to Mastercard VIP lounges, travel insurance and car rental. Mastercard Surprise. Point transfer to Latam Pass, TudoAzul and Smile
MileageUp to 1 points accumulated for every 1 real (Both); 1 point on the card equals 1 point on TudoAzul (both) and 0.7 (Gold) or 0.88 (Platinum) point on Smiles and LatamPass 

Well, for those looking for a good card with airline miles for people with bad credit, the Itaucard Pão de Açúcar cards innovate in their way of scoring. Because this type of card is one of the only ones that scores directly with your expenses in reais, and not in dollars. So you can spend less and score more! So, pretty cool, isn't it?

In addition, other excellent advantages of this card in both versions are:

  • The variation of the dollar does not interfere at all in your power to score, since the expenses are computed in reais;
  • Furthermore, there are medium to low annual fees, depending on the type of card, Gold or Platinum;
  • Thus, all the points you accumulate through the Pão de Açúcar Points program can be transferred to the miles program with Latam Pass, TudoAzul and Smiles;
  • There is also ZERO spread fee for foreign currency purchases.

However, there are some minor drawbacks to think about with this card, such as:

  • Because the benefits for your trip are more limited to those of the Mastercard brand;
  • In addition, there is an annuity fee without the possibility of exemption;

Blue Itaucard

minimum income15 thousand reais
Annuity1200 reais 
FlagInternational Visa
BenefitsEntrance to VIP lounges, car rental, cabin upgrade and 3 free bags
PunctuationUp to 6 points accumulated for every 1 real per flight

Because this card is an option that hit the market recently. Furthermore, as the name already says, it offers a series of benefits for you to travel with the Azul airline! As well as other advantages for your national and international trips.

So among the advantages are the following:

  • Complimentary ticket for one companion;
  • In addition, there is the possibility of upgrading the cabin on Azul flights;
  • Also the courtesy of two days of car rental at Unidas;
  • The customer acquires TudoAzul Diamante status;
  • In addition, you will also acquire 3 TudoAzul points for every dollar spent on your credit card;
  • Thus, you can access the LougeKey VIP lounges twice a year, with unlimited access to the Louge Azul VIP lounge (Campinas, for international flights), and the Latitude Workspace lounges (Congonhas and Belo Horizonte).

However, there are some disadvantages to take into account. For example, the card has an annual fee of 1200 reais for anyone who wants to be a customer and have all these benefits when traveling.

However, if you spend more than 20,000 reais per month on your card, you will be exempt from this annual fee. Also, consider that the spread for foreign currency purchases is high at around 5.5%.

How to apply for the Blue card step by step

In this article, you will find out how to apply for the Azul credit card step by step, the process can be 100% online and it is very simple.

Nanjing Link Box

Minimum IncomeR$20 thousand reais
AnnuityBanco do Brasil – R$ 828 reais in 12 installments of R$ 69 reaisBradesco – R$ 960 reais in 12 installments of R$80 reais Caixa Econômica Federal – R$ 828 reais in 12 installments of R$ 69 reais
FlagLink
RoofInternational
BenefitsExclusive discounts and offers
PunctuationAccumulate 0.2 points more than other cards in the same category

Because the Elo Nanquim credit card is a great alternative for anyone looking for a card with negative airline miles, in addition to exclusive experiences.

For those who like to travel frequently and peacefully, there are several benefits for greater comfort. For example, most benefits are aimed at those looking for travel and shopping experiences. Check out:

  • VIP room. Access to the most varied VIP rooms in the national territory or abroad.
  • In addition, there is an international travel chip. In addition, there is the possibility of having up to 2 international chips when buying airline tickets with your card.
  • Travel Insurance: Insurance covering medical and dental expenses, delayed or canceled flights and lost luggage.
  • Free WiFi. Thus, you will have access to more than 65 million points in Brazil or abroad. But to check it out, download the Elo Wi-Fi app.
  • In addition, it has international acceptance. Thus, it has international coverage in more than 190 countries, in physical establishments and online purchases.
  • In addition, you have transfer vouchers of up to R$150 reais at the main airports in the country. But on international tickets purchased with the card!
  • Thus, this service is available in São Paulo, Campinas, Santos, Brasília, Rio de Janeiro, Belo Horizonte, Curitiba and Porto Alegre.

Mastercard box

So we have one more card option from Caixa Econômica Federal, since this is an excellent card with airline miles for negatives! Because with these Caixa Mastercard cards you can accumulate points in the Caixa Pontos Program.

Thus, it is possible to exchange this score for tickets or even transfer these points to partner miles programs, such as:

  • All blue, 
  • smiles, 
  • LATAM Pass, 
  • TAP Miles&Go, 
  • between others.

But there are two Caixa Mastercard options for you to choose from: Black or Platinum. So, check out information for each of these options below!

Mastercard Black box

minimum incomenot informed
Annuity12x of R$ 76.75 or R$ 921.00
FlagMasterCard
RoofInternational
BenefitsCaixa Pontos Program / Mastercard Surprise Program
PunctuationPontos Caixa program in which each U$ 1.00 spent is equivalent to 2.1 points

Like the Elo Nanquim card, the Mastercard card is ideal for people who like to travel and spend a lot on their credit card. Because this card with negative air miles has excellent benefits for those who spend a lot on the card and want to turn their expenses into travel facilities!

So, this card offers many benefits to its customers, among them we can highlight: 

  • Mastercard Surprise, 
  • Travel Services,
  • Mastercard Airport Experiences, 
  • Boingo, 
  • Guarulhos VIP Room, 
  • Priceless Cities, 
  • concierge, 
  • Duty Free Dufry Red, 
  • Mastercard Airport Concierge, 
  • In addition, it has all insurance and assistance such as: Original Extended Warranty, Purchase Protection, Protection against theft in ATMs, MasterAuto Insurance, Baggage Protection, MasterAssist Black, Travel Inconvenience and MasterCard LoungeKey.

Furthermore, you have all the benefits of the Pontos Caixa Program, in which every U$ 1.00 spent earns you 2.1 points. Thus, the accumulated points can be exchanged for airline miles in partner programs, airline tickets and other Caixa partner products.

Mastercard Platinum Box

minimum incomeR$ 6,000.00
Annuity12x of R$ 37.75 or R$ 453.00
FlagMasterCard
RoofInternational
BenefitsCaixa Pontos Program / Mastercard Surprise Program
Punctuation1.4 points per U$ 1.00 spent on purchases

Because this is another great card option with airline miles for negatives! Thus, Caixa Mastercard Platinum has several benefits for those who enjoy shopping and traveling around. In addition, it is an international card and has the Mastercard flag, which you can use in virtually any establishment in the world. 

Thus, it is possible to make cash and installment purchases at establishments inside and outside the country, as well as online stores. However, this Caixa credit card option has an annual fee. But there is a 50% exemption from the annuity for those who have a salary account at Caixa.

Therefore, it is worth remembering that it has many advantages for those who like to travel and earn air miles, such as:

  • Mastercard Surprise, 
  • Price Protection, 
  • Mastercard Travel Services, 
  • Priceless Cities, 
  • MasterAssistPlus, 
  • MasterAutomobile Insurance, 
  • concierge,
  •  Mastercard Airport Concierge.

So, in addition to all this comfort and ease, you can use your card with airline miles for negative credits through the Caixa Pontos Program. Because it is possible to obtain 1.4 points for every U$ 1.00 spent on card purchases. 

So, when you manage to accumulate a good score, you can exchange your points for tickets or transfer to other partner miles programs, such as:

  • All blue, 
  • smiles, 
  • LATAM Pass, 
  • TAP Miles&Go, 
  • between others.

How to Apply for a Mastercard Travel Card

The Mastercard Travel Card offers security, benefits and exclusivity in programs for travelers. Click and check out how to order yours!!

Visa Infinite Cashier

minimum incomenot informed
Annuity12x of R$ 69.00 or R$ 828.00
FlagVisa
RoofInternational
BenefitsCaixa Points Program / Vai de Visa Program
Punctuationevery 1.00 U$ spent equals 2.1 points

Because the Caixa Visa Infinite card is ideal for anyone who wants a card with negative airline miles and likes to travel. Thus, it offers many facilities for travel, in addition to being international with the excellent Visa flag. 

Therefore, this Visa Infinite card can be used to make purchases at various physical and online establishments accredited to the flag both nationally and abroad! So, see the main features of this card below:

  • Access to the VIP lounge at airports;
  • Travel Assistance Service;
  • Vai de Visa Program;
  • Visa Checkout;
  • Purchase Protection Insurance;
  • Price Protection Insurance;
  • Visa Causes;
  • Rental Vehicle Insurance;
  • Exclusive Offers; 
  • Extended Trip Cancellation;
  • Original Extended Warranty Insurance;
  • International Medical Emergency Insurance;
  • Visa Concierge;
  • Visa Luxury Hotel Collection;
  • Loss of Air Connection;
  • Baggage Delay;
  • Loss or Theft of Baggage;
  • Expanded Boarding Delay;
  • LoungeKey Visa Infinite;
  • Online Medical Visa;
  • Visa Airpont Companion.

But let's not forget the Pontos Caixa Program! Because with this program, for every U$ 1.00 spent on your card, you accumulate 2.1 points. Thus, the points you accumulate can be used to purchase airline tickets and other products from Caixa partners, as well as in miles programs such as:

  •  All blue, 
  • smiles, 
  • LATAM Pass, 
  • TAP Miles&Go, 
  • In More 
  • Dotz.

So, you just saw how many advantages and good options you will have with this card with air miles for negatives, right? But not only through credit cards, prepaid or payroll, is it possible for a negative to accumulate points and benefits.

So, check out our topic below and understand more about it!

Are there other ways to earn points when negative?

ganhar pontos
earn points

Because the answer would be: YES, it is possible to accumulate points even with restrictions on your name. But how? Because we know that for those who are negative, it can be a concern not to be able to enjoy the same advantages that they would if they had a clean name.

But don't worry, we'll help you get around this situation easily. Thus, you can earn points even without a card with negative airline miles. So, check out the alternative ways below:

  • Because you can redeem your points even if you have purchased an airline ticket without paying with your credit card. Therefore, even if you pay in cash or another form of payment, you can and should redeem your points. 
  • Therefore, always include your customer number when booking airline tickets, or redeem them right after the trip through the airline's website;
  • But it is possible to use a prepaid card to subscribe to loyalty program clubs and allow you to subscribe to mileage programs in the same way as a regular credit card;
  • There are online stores that have partnerships with loyalty programs, so you can acquire miles with your expenses in the store, regardless of the payment method.
  • Plus, you'll be able to respond to online reviews and earn miles in return. For example, the online platforms e-Rewards, Points for Opinions and Heap Up offer this type of exchange.

So we come to the end of our exclusive article with tips on cards with negative air miles. Therefore, we hope that by now you already know that having restrictions on your CPF does not really prevent you from enjoying benefits and good programs of points and airline miles, does it?

So now all you have to do is do your research and put together your strategy to start accumulating air miles to use on your next trip!

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About the author  /  Aline Saes

Master in Social History from USP. She is a freelance writer for various subjects. Always passionate about writing, her mission is to bring information to people in a simple and attractive way.

Reviewed by  /  Junior Aguiar

Senior Editor

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