Well, do you know Nubank? The financial institution created in 2013 is, today, the fourth most valuable financial institution in Latin America. In fact, the company operates 100% online and you manage your Nubank account and cards through the bank's exclusive application.

So, Nubank came up with the idea of creating a bank without bureaucracy and surprise fees that involve most financial institutions. In this way, he intends to change the relationship that the client has with their investments.

Eventually, Nubank expanded internationally and today, in addition to digital accounts, credit cards and loans, it offers a complete, entirely digital insurance service. Given this, do you want to know more details about the cards made available by the bank? So, keep reading and check it out!

Initially, the Nubank card offer came with no annual fee. Even though there are other options with this benefit on the market today, the finance company offers other types of cards for different audiences.

This way, customers have a simple and intuitive application available for smartphones on the App Store or Google Play. For example, with it you can control your expenses, generate and pay invoices and even increase your credit limit.

Furthermore, Nubank cards offer benefits such as the Mastercard Supreenda, in addition to the exclusive points program, Nubank Rewards. There are currently three types of credit cards that the finance company offers and we will talk a little about them below.

Certainly, all Nubank cards have exclusive benefits. According to the financial company, they all have the Mastercard brand. Therefore, Nubank Gold is free of annual fees and can be used internationally. See below the main features and how to request Nubank Gold.

In this sense, the Gold card is a variant of Nubank cards that is aimed at purchasing durable goods. In other words, its advantages revolve around the product purchasing experience.

For example, the Original Extended Warranty allows you to extend the warranty on products purchased with the card. Also Price Protection Insurance, where for 30 days after purchase the customer can be reimbursed if they find the same product for a lower price than they paid.

Furthermore, the Gold card has Purchase Protection Insurance, in which the customer is protected from damage and theft for 30 days after making a purchase on the card. Finally, Mastercard Surpreenda, a Mastercard program with discounts and promotions at partner stores.

Furthermore, you can also sign up for Nubank Rewards, a program in which for every R$1 spent on your invoice you accumulate 1 point. Accumulated points do not expire and you can use them to deduct amounts from your bill.

Well, the limit on Nubank cards is defined according to each customer's profile. This means that a credit analysis is constantly taking place, taking into account how often the customer uses the card, or if invoices are late, for example.

Regardless, you can request a new limit, if you wish, through the Nubank app.

First of all, Nubank Platinum cards are cards that are just as good as the Gold cards that we explained above. In this way, it is just a card with different advantages, aimed at a different type of audience.

Furthermore, Nubank Platinum also has no annual fee, in addition to being an international card. Check out more features below.

So, the main advantages of the Nubank Platinum card have to do with travel and leisure. Well, let's talk a little about them next.

Firstly, the card has Travel Consulting. This means that some Nubank Platinum services include travel consultancy, helping with hotels, itineraries, destinations, among other situations.

In addition, the customer has an assistant who helps them with general information, such as restaurant reservations and event tickets, the Concierge.

At the same time, the card offers excellent benefits such as Medical Emergency Travel Insurance, which is nothing more than Mastercard travel insurance. In this sense, you also have Car Insurance, with global coverage, in case the customer rents a car using the Platinum card.

Finally, we have the Cork Exemption, which entitles you to exemption from corkage fees on the first bottle of wine if the restaurant has this charging policy.

Nubank Platinum is also part of Mastercard Surpreenda, like all cards that use this brand.

So the Platinum card limit works in the same way as the Gold card. In other words, it is defined according to the customer profile. According to Nubank's official website, the minimum initial limit for the Platinum card is R$50. But don't worry, the value increases as the customer uses the card and invoices are paid without delay.

First of all, the Nubank Ultravioleta card is nothing more than a Black card. Well, this card has all the benefits of a Mastercard Black in addition to other exclusive advantages that we will talk about below.

In fact, the Nubank Ultravioleta is still made of metallic material, with contacless technology for contactless payments. Furthermore, it has a different layout, vertically, and does not display any number, only the name of the holder.

Therefore, it is even safer against fraud. But don't worry, you can use the virtual card to make any online purchase.

Furthermore, Nubank Ultravioleta is not exempt from annual fees. In other words, the annual fee for this card is R$588 charged in 12 installments. However, if you spend at least R$5,000 per month, you will be exempt from this charge.

Furthermore, there is another way for you to be exempt from the Ultravioleta annual fee. To do this, you must keep at least 150 thousand reais in investments with Nubank or Easynvest itself.

Currently, the Nubank Ultravioleta card is available and you can request it through the app. However, it is important to inform that the request will undergo a credit analysis where the bank takes into account the customer's score. See some features below.

So, in addition to many special advantages, Nubank Ultravioleta also has its benefits aimed at customers who travel frequently. In addition, of course, to all the advantages of a Mastercard Black.

Firstly, the most attractive advantage is the cashback that Ultravioleta offers. In other words, for all purchases paid with the card, you receive 1% of the value back. Furthermore, for every R$0.03 you receive in cashback, the amount can also be converted into 1 Smiles mile.

In fact, another benefit that will make your trips even more enjoyable is that every Nubank Ultravioleta customer has free access to a VIP lounge at airports.

Furthermore, another very attractive advantage is that Masterassist Black travel insurance. With it, the cardholder, spouse and children are covered by travel medical insurance.

In this sense, Nubank Ultravioleta customers also have luggage insurance, which entitles them to a refund of up to 3 thousand dollars if their bags are delayed or lost.

Finally, the card also offers benefits, such as ticket reimbursement in some cases of cancellation, car insurance for rented cars, protection against ATM theft and many others. To check the complete list of Mastercard Black benefits, visit the brand's official website.

So, the minimum limit for a Mastercard Black, a category that Ultravioleta is part of, is R$ 25 thousand. However, the customer may have an even higher limit amount, depending on the credit analysis carried out by Nubank.

In fact, it is common for people to categorize Nubank cards as which is the best and which is the worst. However, this is not true. In other words, there is no better, just cards with different benefits for different customer profiles.

For example, the Platinum card also offers basic benefits, like the Surpreenda Mastercard. However, it also has exclusive advantages aimed at travel and leisure. This means that it is ideal for the profile of a customer who travels frequently.

On the other hand, the Gold card, in addition to benefits common to the Mastercard brand card, offers advantages aimed at purchasing consumer goods. In other words, it has certain guarantees for a client with a different profile.

Unlike the Gold and Platinum cards, which are exempt from annual fees, Ultravioleta has an annual fee of R$588 for its holder. In this sense, it is also more favorable for customers who travel more or, even, people who have a higher expense on their invoices.

Therefore, before requesting to change your credit card, or choosing a card category, make sure it fits your consumer profile. Furthermore, if you want to learn about the bank's other financial products, how about checking out how the Nubank loan works? So, click on the recommended content and check it out!