XP Visa Infinite Credit Card
An investor-friendly Visa Infinite card with no annual fee for XP clients who keep investments at the broker. You earn strong cashback that can be reinvested, plus full Visa Infinite travel benefits and worldwide lounge access.
Why it ranks
- Premium Visa Infinite benefits with no annual fee
- Cashback that compounds when reinvested
- Unlimited worldwide lounge access
- Great fit for existing XP investors
What holds it back
- Fee waiver tied to maintaining XP investments
- Best value requires being an XP client
- Cashback capped at around 1%
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.
An investor-friendly Visa Infinite card with no annual fee for XP clients who keep investments at the broker. You earn strong cashback that can be reinvested, plus full Visa Infinite travel benefits and worldwide lounge access.
XP Visa Infinite Credit Card at a glance
| Issuer | XP Investimentos |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Promotional cashback or points for new clients (varies) |
| Rewards rate | Up to 1% cashback, reinvestable at XP |
| Intro APR | N/A |
| Regular APR | Variable rotativo per XP's disclosed rates |
| Foreign transaction fee | IOF plus Visa exchange rate on international spends |
| Credit needed | Good to Excellent |
| Best for | Investors who want premium benefits with no fee and cashback to invest |
| Airport lounge access | Yes |
Rewards & benefits
- Up to 1% cashback on purchases
- Reinvest cashback automatically into XP investments
- Visa Infinite travel insurance and global concierge
- Unlimited worldwide airport lounge access
- No annual fee for qualifying XP clients
Eligibility & who it suits
- Brazilian resident with a valid CPF
- XP Investimentos account with qualifying investments
- Strong Serasa score and credit history
- Comprovante de renda or investment balance as required
How to apply
Check current rates on XP Investimentos’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 | XIXP InvestimentosXP Visa InfiniteNo annual fee · BR XP Visa Infinite Credit CardInvestors who want premium benefits with no fee and cashback to invest |
None | Up to 1% cashback, reinvestable at XP | Promotional cashback or points for new clients (varies) | IOF plus Visa exchange rat… | Good to Excellent | |
| 2 | NPNu Pagamentos (Nubank)Nubank Ultravioleta Mastercard BlackR$89/yr · BR Nubank Ultravioleta Mastercard BlackPremium digital users who want cashback plus Black benefits |
R$89/yr | 1.25% cashback, or from 2.2 points per US dollar | No fixed welcome bonus; premium benefits from activation | Zero IOF on international… | Good to Excellent | |
| 3 | CC6 BankC6 Carbon Mastercard BlackR$98/yr · BR C6 Carbon Mastercard BlackDigital-banking users who want premium perks and lasting points |
R$98/yr | From 2.5 Atomos points per US dollar, up to 3.5 with more than R$ 1 million inve… | Bonus Atomos points for new premium clients (varies) | IOF plus Mastercard exchan… | Good to Excellent | |
| 4 | IUItau UnibancoItau Personnalite Visa InfiniteR$1,056/yr · BR Itau Personnalite Visa InfiniteAffluent Itau clients who travel internationally and value miles |
R$1,056/yr | 3 points per US dollar on international purchases, 2 on domestic purchases | Bonus points and benefits for Personnalite clients on activa… | IOF plus Visa exchange rat… | Excellent |
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