Credit Cards with Rewards Programs: If you use your credit card frequently, participating in a rewards program can be a great way to turn everyday expenses into real rewards. From airline tickets and electronic products to discounts on your bill, loyalty programs have become a competitive differentiator between banks and fintechs.
But after all, what is the best rewards program in 2025? Therefore, in this complete guide, we will explore the main credit cards with this benefit, show you how the rewards systems work and help you choose the best option for your lifestyle and financial profile.
What are credit card points programs?
In short, points programs work as rewards systems that accumulate points every time the customer makes a purchase with the card. These points can later be exchanged for prizes, products, discounts, airline miles or services.
For example, a program may offer 1 point for every R$1 or R$2 spent. Upon reaching a certain amount, the customer can exchange it on an exclusive platform or transfer it to partner mileage programs.
Why is it worth joining a points program?
In addition to the possibility of earning rewards, rewards programs offer advantages that can align with your spending style. Here are some reasons why they are worth considering:
- Cheaper travel: accumulated miles can be converted into tickets
- Free products and services: you can exchange them for electronics, household appliances, among others
- Exclusive experiences: Some programs offer VIP access, shows and events
- Real economy: it is a way to obtain returns without changing your consumption habits
However, it is essential to pay attention to the validity of the points and the annual fee charged, which can affect the cost-benefit.
Best rewards cards in 2025
Below, check out the credit cards with the most advantageous points programs of the year, taking into account accumulation, flexibility and additional benefits offered.
1. PágBank Mastercard Black Card
- Points: 1.5 points per $1 spent
- Annual fee: free
- Advantages: points do not expire and access to VIP lounges at airports
2. Latam Pass Itaucard Visa Platinum Card
- Scoring: 2.0 points per US$1 spent on Latam purchases and 1.5 on others
- Annual fee: R$ 570 (in installments)
- Advantages: priority boarding and benefits on Latam flights
3. Bradesco Elo Nanjing Card
- Points: 2.2 points per $1 spent
- Annual fee: R$ 1,200 (with partial exemption)
- Advantages: unlimited access to LoungeKey and preferential transfer of points
4. Santander Unique Visa Infinite Card
- Points: 2.0 points per $1 spent
- Annual fee: R$1,150 (waived for expenses over R$7,000)
- Differentiators: Esfera multiplatform with several redemption options
5. Banco do Brasil Altus Visa Infinite Card
- Points: 2.5 points per $1 spent
- Annual fee: R$ 1,440
- Advantages: access to 1,300 VIP lounges and easy transfer to airlines
How to choose the best points program?
Choosing the ideal card goes far beyond the points offered. Here are some important points to consider:
- Monthly spending: Higher-scoring cards generally require a high volume of spending to be worthwhile
- Type of reward you want: whether you prefer miles, products or discounts
- Points validity: some programs expire in 2 years, others have indefinite validity
- Ease of redemption: Intuitive platforms and partnerships with multiple brands are preferable
- Annual fee cost: assess whether the benefits compensate for the amount charged
In fact, it is interesting to simulate your monthly expenses to calculate the amount of points you would accumulate in different options.
Tips to make the most of your points program
- Concentrate your spending on a single card
- Keep an eye out for bonus points transfer promotions
- Use the card for recurring bills such as streaming, electricity and telephone
- Track points expiration
- Trade for benefits you will actually use
With these simple actions, you can maximize the results of the program without additional effort.
Final considerations
Finally, credit cards with a rewards program continue to be an excellent strategy for transforming everyday expenses into tangible benefits. As long as they are used responsibly, they offer a smart way to get more value for each purchase made.
Before choosing yours, carefully analyze the benefits, costs and, above all, what makes sense for your routine. This way, you can ensure that each point you accumulate translates into a reward that is truly worth it.
Did you like the article? Keep reading and discover more valuable tips on personal finances, credit cards and how to optimize your financial choices in 2025.