If you are starting your financial life and still don’t have a positive credit history, or have had any restriction in your name, you must have noticed that it is difficult to get a good credit card, or a relevant limit in any bank. But some products and financial institutions are recognized for being easier to approve for customers with these characteristics.
In this post we list 12 credit cards that are easy to approve for those with a bad credit score . The list was updated in 2023.
Credit Cards Easy to Approve in 2023
1) Will Bank credit card
Issued under the Mastercard Standard brand, the Will Bank credit card does not charge an annual fee, and can be used for international purchases, including approximation payments.
The bank does not require proof of income to release the card, just register with the Will Bank account and wait for the credit analysis – based on the Serasa credit score .
2) Neon credit card
The Neon credit card has no annual fee and offers 0.5% cashback on purchases over R$1. To activate the cash back on the card, however, it is necessary to sign up for the Neon Cashback Program, which costs R$4.90 per month.
To apply for the card, it is necessary to register with Neon, a digital account that yields more than savings with investment options in CDBs with daily liquidity.
3) Nubank credit card
Nubank has a legion of fans and is recognized for its excellent level of service and for having an app where you have control of everything. The bank card is issued in Mastercard Gold and Platinum versions. You can request yours on the Nubank website ( access here ) and receive an immediate response. Another possibility is to get an invitation from a friend or family member, increasing your chances of having your credit card approved right away .
Depending on the credit analysis, the initial limit may be low, but it will increase as you use the card. But if you have some money left over, you can release an automatic limit increase using the Nu Limite Garantido feature (learn more here), which uses as guarantee the amount that the customer has invested in RDB (Bank Deposit Receipt). For every BRL 1 invested in Nubank’s RDB, the customer will have an additional BRL 1 limit on the card.
4) Santander SX credit card
The Santander SX Visa Platinum is the bank’s entry card and successor to the late Santander Free. Offers annuity exemption for those who register their cell phone number and CPF as a PIX key, in the case of account holders, or whenever the total invoice amount is at least R$ 100, a condition also valid for non-account holders.
The card has the technology that allows you to make payments by approximation and offers discounts on car rental, electronics stores, cosmetics, clothing and much more. Customers also get 25% discounts at Cinépolis cinemas and 30% on shows at Teatro Santander.
5) Pan Basic credit card
The Pan Basic Mastercard card offers a free annual fee and is usually approved quite easily. In addition, the bank offers other cards that offer up to 1.8 points per dollar and with an annual fee exemption according to the level of spending.
6) Inter Mastercard Gold credit card
To have an Inter credit card, you need to create an account at the digital bank. With no annuity and issued under the Mastercard Gold banner, the product offers 0.25% cashback on all purchases, a benefit that will be replaced by points (1 point for every R$10) as of 06/12/2023, when Inter Loop, the bank’s new benefits program, begins to operate .
With your credit card in hand, you have the option of investing in the CDB Mais Limite de Crédito. Thus, the value of the application is automatically converted into a limit for the card and your money in the digital account yields more than the savings .
More credit cards that are easy to approve or for those with a low score in 2023
7) Next Visa International credit card
Created by Bradesco to compete with other digital wallets, Next has a card with no annual fee for customers of its free digital account. Blue whiting, issued under the Visa flag, also offers discounts at educational institutions, cinemas, online stores, restaurants and cultural events.
8) Passaí credit card
Unlike the previous options, the Passaí credit card has an annual fee – 12 installments of R$ 14.50. However, as we are talking about cards that are easy to approve, the product could not be left out of the list.
Despite the annual fee, the card can be advantageous for those who shop frequently at Assaí Atacadista stores, as it offers customers the possibility of paying the wholesale price from 1 unit, which should generate good savings throughout the year. In addition, the card is issued under the Visa Gold brand, a variant that also offers Price Protection Insurance , a benefit that ends with Visa Platinum, Signature and Infinite cards.
9) Carrefour credit card
Carrefour credit cards are easy to approve and valuable for those who make a lot of purchases at the supermarket chain, where you can enjoy exclusive discounts and better installment conditions. The card is available in Visa International and Mastercard Gold versions.
The cards have an annual fee, but it is enough to make at least one purchase at Carrefour stores every month to not be charged.
10) Atacadão credit card
Just like the Passaí and Carrefour cards, the Atacadão cards offer several advantages for those who shop at the wholesale network, such as exclusive discounts and better payment terms.
The annual fee for the cards is BRL 144, however, unlike what happens with Carrefour cards, there is no clear rule for fee exemption. Despite this, the discounts obtained on purchases at Atacadão can exceed the annual fee, especially if you frequently visit the chain’s stores.
11) C6 Mastercard Standard credit card
The C6 Standard card is commonly offered to new customers who open an account with C6 Bank. In some cases, it is possible that the digital bank only provides the debit card, but with the use of the account it is possible to obtain the release of the credit function.
With no annuity, the C6 Standard allows the accumulation of Átomos points, but the conversion is low, they are only 0.05 points for every R$ 1 spent in the credit function (0.03 points per real in debit purchases). However, depending on consumption with the card and the customer’s relationship with the bank, it is possible to upgrade to the C6 Platinum – also without annuity – and even to the C6 Carbon, which offers the standard score of 2.5 points per dollar and has clear rules for exemption from annuity.
12) Itaucard Click Platinum Card
The Click card is the most basic at Banco Itaú and has a free annual fee. It is available on Mastercard and Visa Platinum. There is no minimum income requirement.
Remembering that the denial of a card does not mean that you will have the same response from another institution. It’s worth a second or third try. At the same time, it is not recommended to apply for several credit cards at once, as inquiries to your history can lower your credit score. If you don’t get your card the first time, access Serasa’s website for free and see if there’s anything wrong with your financial history.
So if you’re looking for a credit card that’s easy to approve , or credit cards that approve instantly , consider one of the options above. These credit cards are ideal for those with low credit scores .
And you, did you have success or difficulty in ordering any of these cards? Did you start your financial life with any of them? Comment and participate!
This post was originally written in July 2021 and has been updated ever since.