First, there are so many credit card options on the market that it's hard to choose the best one. In this sense, we have brought you a complete XP card review for you to discover how it works, its advantages and disadvantages, to really understand if it meets your financial needs.

XP's credit card is exclusive to the broker's clients. Thus, the card is available under the Visa Infinite brand, the most noble type of Visa card. However, it offers annuity exemption, in addition to exclusive benefits! So, check out our XP card review and see everything it has to offer.

First of all, XP is an investment brokerage that emerged in 2001 with the aim of democratizing the practice of investments in Brazil. Initially, XP offered financial education courses in the hope that knowledge of investment processes would help attract clients.

In fact, that's exactly what happened. In this way, students who took courses on the financial market ended up becoming XP customers, looking for ways to invest their money by applying the knowledge acquired in the course. Soon, XP expanded and in 2017 became the largest financial education institution in Brazil.

Today a giant in the investment brokerage market, XP is a completely reliable company that can help you understand how to manage your money in the best possible way. So, last year, the brokerage launched its first credit card, a Visa Infinite with international coverage.

In this sense, the product is already a very attractive option for the public, offering exclusive benefits to its customers. Incidentally, XP's credit card is only available to brokerage clients who have investments equal to or above R$50,000.00.

In addition, this card offers all the benefits of an Infinite card. That is, the most noble modality that the flag offers. So keep following our XP card review to find out all the details about this product.

Well, one of the positive points that most draws attention to this card is that it does not charge annuity. So you don't have to worry about maintenance fees or any monthly fees on your bill.

In addition, the card offers international coverage. That is, you can use it at any establishment that accepts the Visa flag, both inside and outside the country. But be aware of the amount of iOF fees for foreign transactions!

First, the XP credit card does not charge annuity or maintenance fees for your card. However, be aware of fees such as iOF for transactions in foreign currencies.

In addition, the card also offers up to 6 additional cards, all of which are also fee-free. However, keep an eye on the case of late payment of invoices. Although XP does not clearly inform the amount of revolving interest, they tend to be the highest of credit cards. So, avoid delays and pay invoices on time.

So, the XP card review wouldn't be complete without mentioning the benefits of the banner, would it? Thus, this card is issued only in one flag, Visa. That way, you can participate in the Vai de Visa program. Just register your card on the flag's official website.

Furthermore, as an Infinite card, you will have access to several exclusive benefits, such as concierge, travel insurance, vehicle insurance, extended warranty for purchases, among others. By the way, Visa cards are accepted in millions of establishments around the world and it is one of the most credible companies.

First of all, the main advantage of the XP card is that it does not charge annuity. That is, you do not pay any maintenance fee or monthly fee to have your brokerage credit card.

Furthermore, the card participates in the Investback program, an exclusive cashback program in the form of an investment. Thus, with each purchase made with your XP Visa Infinite card, you will have 1% of the value back as an investment in a fixed income fund. If you prefer, you can also redeem your money on the same day!

By the way, want to earn even more money back in the form of an investment? So, you just need to access the XP app and check the list of brokerage partner establishments. This way, you can find stores with even higher Investback percentage, like Xpeed business school offering 5% or more on purchases with your card.

In addition, the card has all the exclusive benefits of Visa Infinite. Therefore, you will have access to travel medical insurance, free airport parking, purchase and price insurance, a personal concierge assistant and many other benefits.

Although it is a financial product full of advantages, the card also has some negative points and we will talk about them in this XP card review. So, it's important to be aware and do a lot of research before making your choice.

First of all, the XP card is only available to brokerage investors. That is, you first need to be an XP customer, to then be able to apply for the Visa Infinite credit card.

By the way, in addition to being a brokerage client, you need to have at least R$50,000.00 invested to order the product. In addition, XP also performs a thorough credit and registration analysis before approving the request. This makes the product very bureaucratic and difficult to access.

Well, XP has an exclusive app where you have access to all the features, such as account, card, investments, among other things. By the way, the app is available for both Android and iOS users. All you need to do is go to the App Store or Google Play, download it and open your brokerage account.

Furthermore, it is important to inform you that your XP Visa Infinite card does not have any information on the plastic of the product for security reasons. That is, it is through the XP app that you will have access to information such as the card number, security code, among others.

Finally, if you've followed our XP card review this far, then you already know that this credit card is an exclusive product for investment brokerage clients. Thus, if you are a customer and have investments of R$50,000.00 or more, you can order your XP Visa Infinite card.

First, open the app and click on the “Card” tab. Then click on “Request my card” to make the request. Fill in the address and the name that will be printed on the plastic and define the due date of the invoice. So, create your password, review the data and that's it! Now you just have to wait for the physical card to arrive at the address you entered, but you can now use the virtual card if you wish.

Also, now that you know all about the XP card, how about learning more about the ordering process? So, click on the recommended content below and check it out!