Banco do Brasil Ourocard Elo
A widely held everyday card from Banco do Brasil on the homegrown Elo network. Many Ourocard versions waive the annual fee with regular use, and you collect Livelo points or Ourocard benefits while enjoying nationwide acceptance.
Why it ranks
- Annual fee can be waived with normal spending
- Backed by one of Brazil's largest banks
- Livelo points are flexible and popular
- Broad domestic acceptance
What holds it back
- Elo acceptance is weaker outside Brazil
- Base rewards are modest
- Standard versions have no lounge access
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A widely held everyday card from Banco do Brasil on the homegrown Elo network. Many Ourocard versions waive the annual fee with regular use, and you collect Livelo points or Ourocard benefits while enjoying nationwide acceptance.
Banco do Brasil Ourocard Elo at a glance
| Issuer | Banco do Brasil |
| Card network | Elo |
| Annual fee | No annual fee |
| Welcome bonus | Promotional points or fee waivers for new clients (varies) |
| Rewards rate | Points-based via Livelo and Ourocard programs |
| Intro APR | N/A |
| Regular APR | Variable rotativo per Banco do Brasil's disclosed rates |
| Foreign transaction fee | IOF plus Elo exchange rate on international spends |
| Credit needed | Fair to Good |
| Best for | BB account holders who want a practical everyday card |
| Airport lounge access | No |
Rewards & benefits
- Earn Livelo points on eligible purchases
- Annual fee waived on many versions with regular use
- Ourocard partner discounts and offers
- Wide Elo acceptance across Brazil
- Manage the card via the Banco do Brasil app
Eligibility & who it suits
- Brazilian resident with a valid CPF
- Banco do Brasil account holder
- Serasa score and credit history reviewed by BB
- Comprovante de renda (proof of income) as requested
How to apply
Check current rates on Banco do Brasil’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Brazil cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | BDBanco do BrasilOurocard EloNo annual fee · BR Banco do Brasil Ourocard EloBB account holders who want a practical everyday card |
None | Points-based via Livelo and Ourocard programs | Promotional points or fee waivers for new clients (varies) | IOF plus Elo exchange rate… | Fair to Good | |
| 2 | NPNu Pagamentos (Nubank)Nubank Mastercard RoxinhoNo annual fee · BR Nubank Mastercard (Roxinho)First-time and app-savvy users who want a free, fully digital card |
None | No rewards listed on the card page; check the Nubank app for current rewards opt… | No traditional welcome bonus; zero fee from day one | IOF plus Mastercard exchan… | Fair to Good | |
| 3 | BIBanco InterInter MastercardNo annual fee · BR Inter Mastercard Credit CardInter account users who want free cashback in a super-app |
None | Cashback on bills and marketplace purchases | Promotional cashback for new account holders (varies) | IOF plus Mastercard exchan… | Fair to Good | |
| 4 | IUItau UnibancoItau Click Visa PlatinumNo annual fee · BR Itau Click Visa PlatinumEveryday digital shoppers who want a free points card |
None | Around 1 point per US dollar spent | Promotional bonus points for new clients (varies) | IOF plus Visa exchange rat… | Fair to Good |
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