Nubank is a fintech that emerged in the financial market in 2013, and came with the goal of offering the same services as a traditional bank, but digitally and without bureaucracy. Therefore, today we will talk about one of its main products in our Nubank card review.

So, how about learning more about this card and assessing whether it meets your financial needs? So, check out the table below and continue reading to learn all about it! Let’s go!

Well, the Nubank card works with both debit and credit functions. It has the Mastercard brand and international coverage. This way, you can use the same card to make purchases and also to withdraw money from ATMs in the Banco24h and Saque e Pague networks. 

So, we have prepared special content for you with a Nubank card review. This way, you can learn about all its features, discover its positive and negative points and then decide whether it is the financial product you were looking for. 

So, keep reading and learn about this credit card packed with benefits!

So, we start this Nubank card review by highlighting one of its main positive points: it does not charge an annual fee. Therefore, you do not need to pay any fees to get yours!

In addition, it has international coverage. In other words, it is accepted in millions of establishments accredited with Mastercard in Brazil and abroad. You can even make purchases online using your physical card or a disposable virtual card made available by the fintech through the app.

However, despite not charging any membership or annual fees, there are some services offered by the card that are charged. So, let's talk about them below.

Firstly, a fee of R$$6.50 is charged for each withdrawal made from the Banco24h Network or the Saque e Pague network. In addition, interest of R$9.75% is charged per month if you want to make a withdrawal with your credit card.

In addition, the interest on the Nubank card revolving credit is up to 14,00% per month. If you need to pay your bill in installments, the interest is up to 13,75% per month. In addition, if you are late in paying your bill, you will be charged the amount of the revolving credit + 1% of late payment per month and 2% of late payment fine on the total amount. Therefore, it is important to ensure that payments are always made on time!

The Nubank card has the Mastercard logo, which is accepted in millions of establishments in Brazil and abroad. This means you can be sure that you are purchasing a reliable product to make your purchases in any physical or virtual establishment that is accredited with Mastercard. 

Additionally, you can participate in the Mastercard Surpreenda loyalty program. With it, you earn 1 point for every purchase made with your card and, when you accumulate points, you can exchange them for products and services in dozens of Mastercard partner stores and restaurants.

Without a doubt, our Nubank card review wouldn’t be complete if we didn’t talk about its advantages, right? So, let’s get to it!

Firstly, we can highlight the exemption from annual fees or maintenance fees. In other words, you don't have to pay anything to have yours!

Furthermore, a great advantage of Nubank is that you go through a constant analysis of consumer credit and, therefore, you can request an increase in your limit through the app itself, without having to use the phone to make this request.

The Nubank card is managed entirely digitally through the app. There, you can track all your purchases in real time, as well as block or unblock your card as needed, and enable the virtual card for online purchases. 

Plus, you also get discounts on your bill if you pay your installments in advance! Quite an advantage, right?

Well, now we're going to talk about some of the negative aspects of the card in our Nubank card review. This way, you have all the information you need before deciding whether or not it's worth applying for yours.

First, you undergo a thorough credit analysis that checks your financial conditions and risk of default before the fintech releases the credit function on your card. In addition, the initial limit is usually low and you need to use your card frequently until a higher amount is released. 

Additionally, Nubank offers a points program, Nubank Rewards, but you need to pay R$$19.00 per month to access this benefit. Other digital banks in the same category offer similar programs without charging any additional fees. 

Furthermore, the amount charged per withdrawal is R$$6.50, and the revolving interest can reach up to R$14.00% per month, which are high amounts when compared to competitors in the same segment.

So, you can manage your digital account and control all the features of your card through the app, quickly and simply. 

To enjoy all the benefits offered by Nubank, simply download the app on your smartphone, available on the App Store or Google Play. With it, you have access to your limit, as well as your purchase history, invoices and virtual cards.

Finally, requesting your card is very simple. First, you need to download the Nubank app or access the official website and make the request. Then, the fintech analyzes your financial profile, and if the credit card is available to you, the request button can be found on the app's home page. Easy, right?

So, now that you've checked out our Nubank card review and can evaluate all of its features, as well as its positive and negative points, what do you think about ordering yours? 

So, to learn more details about the application process or to clear up any doubts you may have about how to proceed, check out our recommended content below!