Having a low credit score doesn’t mean being excluded from the financial system.

These seven credit cards use alternative analysis methods, prepaid options, and innovative approaches to approve Brazilians regardless of their Serasa or SPC score.

Card #1: Nubank Card – The Score Revolution

Nubank pioneered behavioral analysis over traditional credit scores, approving millions previously rejected by banks.

Why Nubank Approves Low Scores:

• Alternative Analysis: Evaluates app usage and payment behavior, not just score

• Growing Limits: Start with R$ 50-200, increase to R$ 5,000+ over time

• No Annual Fee: Zero fees forever, regardless of your score

• Digital Experience: 100% app-based management with instant notifications

Nubank Approval Strategy:

• Start Small: Accept initial low limit to build relationship

• Use Frequently: Small, regular purchases increase limit faster

• Pay Early: Paying before due date accelerates limit growth

• Refer Friends: Successful referrals improve your profile

Card #2: Inter Card – The Digital Bank Alternative

Banco Inter approves customers based on account relationship rather than credit bureau scores.

Inter Card Advantages:

• Account-Based Approval: Having an Inter account dramatically improves chances

• Immediate Limit: R$ 200 to R$ 1,000 available upon approval

• Cashback Program: 0.25% cashback on everything, no minimum

• Free Forever: No annual fee or hidden charges

Inter Success Tips:

• Open Account First: Use Inter account for 30-60 days before applying

• Direct Deposit: Receiving salary increases approval odds by 80%

• Investment Products: Small CDB investments improve your profile

• Bill Payments: Pay utilities through Inter for positive history

Card #3: PagBank Card – Prepaid That Builds Credit

PagSeguro’s PagBank offers a prepaid card that transitions to credit for responsible users.

PagBank Unique Approach:

• Guaranteed Approval: Prepaid version approves everyone instantly

• Credit Migration: Good prepaid usage leads to credit limit

• Initial Limits: R$ 100 to R$ 500 credit after proven usage

• Multiple Benefits: Cashback and discounts at partner merchants

PagBank Building Strategy:

• Load Regularly: Consistent prepaid deposits show financial stability

• Diverse Usage: Use for various purchases to demonstrate need

• App Engagement: Active app users get priority for credit

• Avoid Overdraft: Never let prepaid balance go negative

Card #4: C6 Bank Card – The Secured Option

C6 Bank offers secured credit cards where your CDB investment becomes your limit.

C6 Secured Benefits:

• Guaranteed Approval: 100% approval with CDB deposit

• You Choose Limit: Deposit R$ 500-50,000 as your limit

• Earn While Spending: CDB continues earning 100% CDI

• Build Credit History: Reports positively to credit bureaus

C6 Investment Strategy:

• Start Modest: Begin with R$ 500-1,000 CDB investment

• Gradual Increase: Add to CDB as you build trust

• Regular Usage: Consistent spending improves profile

• Transition Option: Can convert to regular card after 6 months

Card #5: Americanas Card – Retail Power

Lojas Americanas approves store cards based on purchase history, not credit scores.

Americanas Card Features:

• Store-First Approval: Higher approval for frequent shoppers

• Initial Store Credit: R$ 300-1,000 for Americanas purchases

• Visa Upgrade: Good payment history unlocks Visa functionality

• Special Discounts: Exclusive prices and extended payment terms

Americanas Approval Path:

• Shop First: Make small cash purchases to build profile

• Join Ame: Use Ame digital wallet for better odds

• Apply In-Store: Physical stores have higher approval rates

• Holiday Seasons: Apply during sales for relaxed criteria

Card #6: BMG Card – The Retiree Advantage

Banco BMG specializes in credit for retirees and pensioners with guaranteed approval.

BMG Special Features:

• Pension Guarantee: INSS benefits ensure approval

• Higher Limits: R$ 1,000 to R$ 5,000 based on benefit amount

• Consigned Option: Lower rates with benefit deduction

• Age No Barrier: Approves customers up to 80+ years

BMG Requirements:

• Proof of Benefits: INSS statement or pension proof

• Stable Income: Minimum 6 months receiving benefits

• Basic Documents: CPF, ID, and proof of residence

• Simple Process: Apply online or through correspondents

Card #7: RecargaPay Card – The Utility Champion

RecargaPay transformed from bill payment app to credit card issuer with inclusive approval.

RecargaPay Innovation:

• Payment History: Uses your bill payment data for approval

• Quick Limits: R$ 200 to R$ 2,000 based on app usage

• 5% Cashback: On phone recharges and bill payments

• No Score Check: Proprietary analysis ignores traditional bureaus

RecargaPay Strategy:

• Pay Bills First: Use app for utilities before applying

• Regular Recharges: Consistent phone top-ups improve profile

• Complete Profile: Full registration increases approval odds

• Refer Network: Active referrals boost your standing

Low Score Card Comparison

Card	Initial Limit	Approval Rate	Best Feature
Nubank	R$ 50-200	60%	Behavioral analysis
Inter	R$ 200-1,000	70%	Account relationship
PagBank	R$ 100-500	95%	Prepaid to credit
C6 Bank	You choose	100%	Secured by CDB
Americanas	R$ 300-1,000	65%	Store loyalty
BMG	R$ 1,000-5,000	90%*	Retiree focused
RecargaPay	R$ 200-2,000	75%	Bill payment history

*For retirees/pensioners

Maximizing Approval Chances

Universal Success Tips:

• Multiple Applications: Apply to 3-4 cards simultaneously

• Start Digital: Fintechs approve more than traditional banks

• Build Relationships: Use bank apps before requesting cards

• Accept Low Limits: Initial approval matters more than amount

Score Improvement While Waiting:

• Pay Bills On Time: Even non-credit bills affect some analyses

• Avoid New Debt: Don’t apply for loans while seeking cards

• Update Registration: Ensure CPF data is current at Serasa

• Dispute Errors: Remove incorrect negative marks immediately

Conclusion

These seven credit cards prove that low scores don’t mean financial exclusion in 2025.

Whether through alternative analysis, secured options, or prepaid transitions, there’s a path to credit for everyone.

Start with the option that best fits your situation and build your financial future one responsible transaction at a time.