O card with cashback is something that catches the attention of many consumers. This function is undoubtedly responsible for this tool being so well known.

Even so, there are still people who don't know how this scheme works. It is therefore essential that the matter be further discussed. That way, you don't miss any important opportunities.

This post will tell you all about the card with cashback. See how this type of product can contribute to your financial life. Also, get to know some card options on the market.

Contrary to what many believe, the operating scheme is quite simple. Basically, you use the card to make your purchases. Thus, it is possible to receive a certain percentage of the amount that was spent.

Now, this percentage varies greatly between financial institutions. Thus, some offer a much more interesting scenario than others.

Therefore, the ideal is always to compare this before choosing your card. When we show you the available options, you will notice how this rate changes. To give you a little spoiler, here's how to rate this type of product.

Realize that they are basic elements. However, at the end of the month, they make a lot of difference in your pocket. Follow along.

This is also a way to compare your card with cashback. However, here, you will take into account the percentage given by the institutions. Thus, the division is as follows.

This is a reality easier than you imagine. Today, many institutions do not consult with the SPC and Serasa.

So, you can have a card with this advantage. The only thing to do is do a lot of research before making any decisions.

Let's continue talking about the need to look hard for the best options. There are some questions you can use as a basis for finding good card alternatives. See what they are below.

Now that you know this cashback function well, let's move on to the second part of our article. The next topics will show you 6 card alternatives to choose from.

See how each one works and identify the one that best suits your needs. Still, don't worry. As the title already says, it doesn't matter if you're negative.

A card with its own cashback program. Volta Para Mim works for anyone who has access to their digital account.

Thus, he returns part of the amount spent on all his purchases. Check it out below.

Debit:

Credit:

This is one of the most interesting ways to save your money. This way, your cashback goes straight to your Poupa para Mim virtual piggy bank. Also, when you accumulate R$ 50.00, it all becomes an investment.

However, it is still possible to get more benefits with the BMG card. Depending on the plan you choose, you are entitled to 4x more cashback. Know your options.

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This credit tool you request directly through the application. Still, it's a card with cashback fully managed by your mobile device. One of the most interesting things about this product is the speed of the request.

So, right after you ask for it, approval arrives. It's just a few minutes of waiting, so you don't have to go through any anxiety. Now, that ease isn't everything.

The cashback function itself is sensational. Then, you make your purchases on the card as usual. Thus, part of the amount of your invoice is refunded. The total percentage is 1.3%.

Also, imagine the following situation. You just found out that your card has been approved. That way, the physical version of it will arrive in a few days. However, you really want to make a certain purchase.

In that case, you can rest assured. The Trigg application provides a virtual card. Soon, you can do whatever you want while you don't receive the product in hand.

The Trigg card has two last elements. The first of these is the NFC system. Thus, you can pay for your purchases by approximation. The second is the Member Gets Member scheme.

With it, you receive compensation for each invited friend who joins this product. Interesting, isn't it?

This option gives you cashback on all your purchases at partner establishments.

So, the amount returned can be up to 0.8% of the amount that was spent on products. All this will work according to your invoice details. Check it out.

1% cashback. Therefore, this applies to online purchases initiated through the Méliuz website or app and paid with the card;

Total 0.5% cashback on all purchases. However, that is not all. You are still entitled to an extra 1% cashback on online purchases.

Thus, they must have been initiated by the Méliuz website or app and paid with the card itself.

Total 0.8% cashback on all your purchases. Also, earn 1% of extra cashback on online purchases.

Likewise, they need to be initiated through the Méliuz website or app and paid with the card. So you get about 1.8% cash back.

In addition, there are other advantages for those who choose this card with cashback. It has zero annuity and extra bonuses. To handle this tool, just use the Banco Pan application.

In this way, you can perform numerous operations such as adjusting the limit of your card. Also, it has an international Mastercard flag.

Therefore, to request this credit tool, just access the Méliuz website and click on “I want my card”.

It is also known as PicPay Card. It emerged as a product that includes both credit and debit functions. Today, it is known that this is one of the most interesting resources within the financial market.

In addition, this card does not charge an annual fee. Now, do you think this is the biggest advantage of this tool, very calm. The PicPay card even offers up to 5% of cashback on purchases.

Also, you have the option to integrate this product into your application. Thus, you can make payments via QR Code. This was one of the companies that most expanded the range of opportunities for consumers.

With it, you will hardly need a card from any other financial institution. So, the company offers you a virtual card. It can be directly associated with apps like Uber, iFood and so on.

However, you can request a physical version of it. The brand used is Mastercard, so you have access to all its benefits. Today, PicPay Card is one of Nubank's biggest rivals.

This is because it offers free and cashback. However, this card is not linked to a digital account. Thus, transfers to bank accounts are not yet a reality.

So, if this is a priority for you, it might not be the best option.

An alternative of card with cashback prepaid. This type of product is ideal for consumers who want to have greater control of their spending. So if you're negative, this is a great option.

With it, you can shop with peace of mind. The difference is that you avoid getting into even more debt. After all, you can only spend what you have on your card. Still, it is not possible to install any purchases.

That's basically how prepaid works. However, PagBank has a differential. In this way, it allows you to use your account balance as if it were a credit card.

All this without having to pay issuance fees or actually request a prepaid card. Also, you have several other features. These include online shopping and paying for subscription services.

Finally, you can still choose how you want to use your balance. Then, just select “credit or debit”. This is one of the most versatile products on this list.

Thus, it is no wonder that many negative consumers opt for it. You have freedom to use your money, while avoiding accumulating debt. Therefore, it is really worth checking out what this credit tool can offer you.

It was the result of an initiative by Banco Bradesco. Its purpose was to democratize the various banking services. In addition, the institution wanted to offer a kind of payroll card.

This of course, for people who receive their salary in the account. However, the Next card has a great differential. It is not just aimed at civil servants and retirees.

That way, if you work in a private company, under the CLT regime, you also have access to this tool. Furthermore, it is possible to apply for this card without any consultation with the SPC or Serasa.

Therefore, who performs a credit analysis is the bank itself. He may or may not release the card for negatives. So, even with a negative, it's really worth a try.

Also, it has the cashback function. With this product, you can receive up to 50% cash back on internet purchases.

Those were the 6 card alternatives. Generally speaking, we can say something about them. Without a doubt, each one has the power to breathe new life into the user's life.

Thus, going through times of tightness in the budget can be a little simpler. However, it is important to take into account other aspects of this product.

Did you know that the main reason for default in Brazil is credit card debt? Therefore, great care is needed when using it. Thus, the most recommended thing is to align and reorganize your finances.

You can use planning worksheets or whatever you like. Ideally, do not neglect this step. Therefore, you can use your card in a conscious and healthy way. Of course, always within your financial reality.

We have reached the end of our article. By now, you already know pretty much everything about it. The answer to that question is absolutely. There are numerous possibilities that you can enjoy.

That's all you need to know about card with cashback. Now it is your turn! Don't waste any more time and go in search of your financial autonomy. Identify the card that best meets your needs and apply for it.