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

O cartão XP tem vantagens exclusivas para investidores. Fonte: XP.
The XP card has exclusive advantages for investors. Source: XP.

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!

AnnuityExempt
minimum incomeR$50,000 invested in XP
FlagVisa
RoofInternational
BenefitsVisa Infinite benefits;
Investback Program.
card features

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?

Uma das vantagens é o cashback investido direto em renda fixa. Fonte: Pexels.
One of the advantages is the cashback invested directly in fixed income. Source: Pexels.

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?

Afinal, como fazer o cartão? Fonte: Pexels.
After all, how to make the card? Source: Pexels.

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

Journalism student at UFSC, has always been passionate about writing. In the middle of college, he met digital marketing and was enchanted. She is a content producer for blogs and social networks.

Reviewed by  /  Junior Aguiar

Senior Editor

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