In the past, it was common for credit cards to come with a high annual fee. That is, it was not possible to have access to a good card without paying fees and more fees. But with the emergence of digital banks, this situation has changed. Nowadays, it is increasingly common for banks to offer uncomplicated accounts and cards with no annual fee. That's why, in this article, we're going to show you the best card options without annuity in 2022. Continue reading and find out!

In short, more and more card options without annuity are emerging. Incidentally, most are offered by digital banks. Therefore, people are increasingly looking for a way to uncomplicate their financial life. In addition, they also seek options with lower tariffs. In this sense, check out the 8 card options without annuity that we have gathered below:

At first, we have the Nubank card. This is one of the first companies to offer digital banking services. Therefore, since it was created, it has become the most valuable bank in Latin America. In addition, the Nubank credit card has no annual fee.

In addition, it is also possible to advance the installments and get a great discount on the invoice. In this sense, the Nubank card comes with the digital account, which is also completely free.

In summary, Neon has the ideal credit card for you who want to make your financial life easier. In this sense, the card has no annual fee and has an elastic limit function. That is, do you know when you go to make a purchase and the card does not pass?

Usually this happens because of the limit. Therefore, with the elastic limit, Neon adjusts the limit at the same time and you can complete your purchase. All this without needing a new credit analysis.

With more than 11 million users, C6 Bank offers a simple and quality service. In this sense, the credit card has a Mastercard brand and international coverage. That is, you have access to the Mastercard Surpreenda benefits program.

Also, a big advantage of the C6 card is its own scoring program: Atoms. With it, you accumulate points and can exchange them for cashback and even invoice discount.

In short, Banco Next is Bradesco's digital bank. Therefore, it focuses on offering digital services with the same excellence as Bradesco. In this sense, the card has international coverage and does not charge an annual fee. In addition, the Next card offers exclusive treats.

That is, you can have access to discounts on products and platforms. In addition, Next also offers the option of a Platinum card with even more benefits. However, an annuity of R$42.50 per month is charged for this.

At first, Banco Pan offers a great credit card with no annual fee. However, Pan's most basic card doesn't offer as many benefits as the paid versions.

Therefore, it is more worthwhile to pay the International card. In this case, the annuity is 12x R$20. By the way, with this option you can still have a discount on the invoice.

In short, the Magalu card is the Magazine Luiza card. In addition to being a non-annuity card, it also has 2% of cashback. However, this cash back is only valid for purchases at Magalu itself. In addition, the card has a Visa flag.

In this way, it has all the benefits associated with the brand, such as Vai de Visa. Therefore, this card is highly recommended for those who buy at Magalu, as it has several advantages for the store's customers.

The Digio card is a very simple card with no annual fee. In fact, as it is a digital bank, you can contract the card directly through the website. In addition, you have access to a virtual card, that is, you do not have to wait for the card to arrive to use it.

In addition, the Digio card has cashback. In this sense, your card purchases can become cashback in cash. Together, Digio also owns the DigioLoja with exclusive conditions for card users.

Among all the options today, BMG is the only one that is a payroll card. That is, it is exclusive to INSS retirees and pensioners. This is because part of the invoice payment is debited directly from the salary.

Therefore, interest rates on the BMG card are usually much lower. In addition, it is also possible to apply for this card without annuity even if it is negative.

In addition, BMG offers a limit of up to 1.6x your benefit. By the way, you can also withdraw part of that money. In this sense, you can withdraw up to 70% from the available limit and the charge falls only in the following month.

Finally, to decide which card is best for you, you need to look at a few things. First of all, pay attention to the conditions of the card. That is, if in addition to the annuity, he charges some other fee. In addition, you also need to be aware of minimum income or proof of income. In addition, choose the card that best suits your financial reality!

Also, if you want to know about other types of credit cards, read our recommended content below.