Getting your first credit card or rebuilding credit doesn’t have to be impossible.

These ten cards have the highest approval rates in Brazil, using alternative criteria, prepaid options, or simplified requirements that make them accessible to almost everyone.

#1: PagBank Prepaid Card – 99% Approval Rate

PagBank leads with near-universal approval by eliminating credit checks entirely.

Why PagBank Approves Everyone:

• No Credit Check: Zero consultation to SPC/Serasa

• Instant Digital: Card ready in app within minutes

• Prepaid System: Load money and spend immediately

• Credit Path: Good usage can unlock credit features

PagBank Quick Facts:

• Requirements: Just CPF and basic data

• Initial Use: R$ 10 minimum load

• Physical Card: Free delivery nationwide

• Best Feature: 5% cashback on bills

#2: Mercado Pago Card – 95% Approval Rate

Mercado Livre’s financial arm approves almost everyone with active marketplace accounts.

Mercado Pago Advantages:

• Account Based: Marketplace history helps approval

• Immediate Use: Virtual card instant in app

• Growth Potential: Starts prepaid, can become credit

• Integration: Perfect for online shopping

Approval Boosters:

• Buy First: Make purchases on Mercado Livre

• Good Reputation: Positive reviews help

• App Usage: Active users get priority

• Time: 30+ day accounts approve easier

#3: RecargaPay Card – 90% Approval Rate

Bill payment app that evolved into accessible financial services.

RecargaPay Easy Approval:

• Alternative Analysis: Uses bill payment history

• No Traditional Score: Ignores credit bureaus

• Quick Process: Approval in under 5 minutes

• Cashback Focus: 5% back on phone recharges

Success Strategy:

• Pay Bills First: Use app before applying

• Build History: 2-3 months of activity helps

• Complete Profile: Full data improves odds

• Start Prepaid: Graduate to credit later

#4: Neon Card – 85% Approval Rate

Digital bank focusing on financial inclusion with simplified requirements.

Neon Accessibility:

• Basic Requirements: CPF and selfie only

• Free Account: No maintenance fees

• Prepaid Option: Guaranteed approval path

• Young Friendly: Accepts 18+ immediately

Neon Benefits:

• Quick Decision: Know in 3 minutes

• No Bureaucracy: 100% digital process

• Growing Limits: Start small, grow fast

• Modern Features: Contactless and virtual cards

#5: Americanas Card – 80% Approval Rate

Retail giant approves store cards based on shopping history.

Americanas Strategy:

• Store Loyalty: Frequent shoppers get approved

• Low Requirements: Basic income proof sufficient

• Gradual Benefits: Store card becomes Visa

• Physical Stores: Apply in-person for better odds

Americanas Tips:

• Shop First: Build purchase history

• Ame Wallet: Use payment app to improve profile

• Sale Periods: Higher approval during promotions

• Start Small: R$ 300 initial limits common

#6: Inter Card – 75% Approval Rate

Digital bank approves based on account relationship over credit score.

Inter Approach:

• Account First: Open free checking account

• Movement Matters: Active accounts get cards

• No Minimum Income: Considers all sources

• Fast Growth: Limits increase quickly

Inter Maximization:

• Direct Deposit: Salary receipt helps greatly

• Use Services: Bills, transfers, investments

• Time Factor: 60+ days improves approval

• Multiple Products: Each service helps profile

#7: C6 Bank Secured – 100% Approval (Special Category)

Guaranteed approval through CDB-backed credit line.

C6 Secured Guarantee:

• Your Money: Deposit becomes credit limit

• No Risk: Bank has collateral

• Earn Interest: CDB keeps earning

• Build History: Transition to regular card

C6 Process:

• Choose Amount: R$ 300 to R$ 50,000

• Instant Approval: Same-day card

• Use Normally: Full credit card features

• Graduate: 6 months to regular card

#8: Superdigital – 70% Approval Rate

Santander’s inclusive digital option for underserved populations.

Superdigital Features:

• Major Bank: Santander security and trust

• Low Barriers: Designed for inclusion

• Prepaid Start: Can begin immediately

• Free Services: No monthly fees

Superdigital Path:

• Simple Opening: Basic documentation only

• Active Use: Builds internal score

• Gradual Credit: Prepaid users get offers

• Wide Acceptance: Mastercard network

#9: Next Joy – 65% Approval Rate

Bradesco’s youth-focused card with relaxed requirements.

Next Joy Appeal:

• Young Adults: Targets 18-35 demographic

• Digital Native: Full app experience

• Low Income OK: Accepts various sources

• Fun Features: Customizable card design

Next Benefits:

• Cultural Perks: Discounts on events

• No Annual Fee: Free based on usage

• Parent Bank: Bradesco infrastructure

• Growth Focus: Helps build credit

#10: Riachuelo Card – 60% Approval Rate

Fashion retailer approves based on store loyalty and purchase needs.

Riachuelo Accessibility:

• Store Focus: Higher approval for shoppers

• Fashion Benefits: Exclusive sales access

• Visa Option: Upgrade available later

• Commission Help: Sales staff assist approval

Riachuelo Strategy:

• Visit Stores: In-person applications better

• During Sales: Relaxed criteria periods

• Build Relationship: Small purchases first

• Staff Support: They want commissions

Approval Rate Comparison

Card	Approval Rate	Type	Best For
PagBank	99%	Prepaid	Everyone
Mercado Pago	95%	Prepaid/Credit	Online shoppers
RecargaPay	90%	Prepaid	Bill payers
Neon	85%	Digital	Young adults
Americanas	80%	Store/Visa	Retail shoppers
Inter	75%	Credit	Account holders
C6 Secured	100%*	Secured	Those with savings
Superdigital	70%	Prepaid	Basic banking
Next Joy	65%	Credit	Young professionals
Riachuelo	60%	Store	Fashion buyers

*With deposit

Maximizing Your Approval Odds

Universal Tips:

• Apply Multiple: Try 3-4 cards simultaneously

• Start Prepaid: Build history for credit later

• Complete Profiles: Full information helps

• Be Patient: Some cards approve on second try

Documentation Ready:

• CPF Updated: Clean registry helps

• Proof of Address: Recent utility bill

• Income Source: Any legitimate income

• Phone Number: Active line important

Conclusion

These ten cards prove that credit access is possible for everyone in Brazil.

Whether through prepaid options, store cards, or digital banks with alternative criteria, you can start building your financial future today.

Begin with the highest approval rates and work your way toward traditional credit cards as your profile improves.