Cards
Meet the XP card
If you like investments, you definitely know XP. The company now has its own credit card! In today's article, we will show you how this new product works with no annual fee and cashback on all purchases.
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XP Card: the ideal plastic for those who invest
XP is, without a doubt, a reference when we talk about investment. Making financial plans for the future gives you a lot of security. Furthermore, investing helps you realize a long-term dream. Many people invest for a long time before financing a house, a car or taking a big trip.
On the other hand, there are people who invest almost as a hobby, because they really like the financial market. And these are the people that XP reaches with its card: investors. In today's article, we will tell you everything about the XP credit card. Continue reading and check it out!
| Annuity | Exempt |
| minimum income | R$50,000 invested in XP |
| Flag | Visa |
| Roof | International |
| Benefits | Visa Infinite benefits; Investback Program. |
How to apply for the XP card
Want a card full of benefits and no annuity? In this article we will show you how to apply for the XP card. Read it now and find out how to get yours!
XP main features
Firstly, it is important to say that the XP card is only available to those who invest with them. In fact, you must have at least R$50,000 invested. Find out more features of this card below.
- Access to the Investback program where each purchase on the card generates 1% in cashback. However, this amount does not go directly into the account. Instead, it goes to a fixed income fund, which is exclusive to cardholders;
- 2% or more cashback at partner stores;
- It has no annuity;
- All Visa Infinite benefits;
- The limit may vary according to each person’s financial profile. This way, the amount of credit is defined based on your expenses and investments with XP;
- Physical card without number, as XP values security. For this reason, they developed the card without a number, just the name;
- All expenses and movements can be controlled through the app. In fact, it's the same app for the account and investments. Everything together in one place!
You can get an idea of the number of benefits this card offers, right? Unfortunately, because it's so good it also becomes exclusive. See who the card is recommended for in the topic below.
Who the card is for
The XP credit card can only be applied for by customers who have more than R$50,000 invested. Accordingly, only people with a good relationship with the bank apply for the card. Therefore, if you have been investing in XP for a while, the credit card is worth considering.
It is worth mentioning that it is also possible to transfer your investments to XP. You don't need to start an investment from scratch. The financial institution offers the option of transferring investments.
Is the XP credit card worth it?
After all, is the XP credit card really worth it? The answer is that if you are already a customer, yes. Otherwise, you will need to invest a lot of money in the financial institution. However, for those who invest, it is one of the best options in the Premium line. This is because in addition to all the benefits that a Visa Infinite offers, this card also has cashback. Check out all the advantages and disadvantages below.
Benefits
We have already mentioned some of the advantages here. One of the main ones is the cashback program. In it, 1% of the purchase returns as cashback for investment in fixed income.
In addition, the card has several travel benefits. The reason is because it belongs to the Visa Infinite brand. This brand gives access to VIP lounges at airports and the concierge, as well as insurance and assistance related to travel and everyday purchases.
Cards with this amount of benefits usually have a very high annual fee. In this way, the card stands out for bringing together so many exclusive and premium benefits with a free 100% annual fee.
Disadvantages
The biggest disadvantage is undoubtedly the need to invest in the bank before having the card. Because it's not possible to just have an account and a card. It is necessary to invest a high amount. Above all, this makes the card more exclusive.
How to make an XP credit card?
Making an XP card can be easy if you are already a customer! But remember the step by step:
- Open your XP account;
- Fill out a form with your information;
- The institution will help you discover your investor profile;
- Download the app and request your card directly there!
In the recommended article below we explain step by step how to request an XP card. Click and check it out!
How to apply for the XP card
Want a card full of benefits and no annuity? In this article we will show you how to apply for the XP card. Read it now and find out how to get yours!
About the author / Leticia Maia
Reviewed by / Junior Aguiar
Senior Editor
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