The 7 Best Credit Cards: Credit cards with no annual fees have gained even more prominence in 2025. Therefore, with the increasing digitalization of financial services, many banks and fintechs have started to offer affordable credit options, with zero fees and many benefits.
Firstly, the big advantage is saving on fares, without giving up features such as cashback, rewards programs, access to VIP lounges at airports, among others. In addition, these options usually have a more intuitive and accessible digital experience.
In this article, you will learn about the 7 best credit cards with no annual fees in 2025, highlighting their benefits, requirements and differences. So, keep reading to find the ideal option for your profile.
1. Nubank Mastercard Gold
Benefits:
- No annual fee forever
- Nubank Rewards points program (optional)
- Virtual card and control via app
- Cashback (via partnerships)
Differential: Easy approval and excellent customer support. In addition, Nubank has one of the most intuitive apps on the market, which makes financial control much easier.
2. Inter Mastercard Platinum
Benefits:
- Zero annual fee
- Cashback directly on your invoice
- Full integrated digital account
- Inter Loop Points Program
Differential: Complete application for financial management. As a result, you can track expenses in real time and make more informed decisions.
3. C6 Bank Carbon (free version)
Benefits:
- Zero annual fee in the basic version
- Atoms Program (points that do not expire)
- Card with contactless technology
- Free withdrawals at Banco24Horas
Differential: Card customization (color and name), making the experience more personal and exclusive. In addition, C6 offers multiple services integrated into the platform.
4. Credicard Visa Platinum
Benefits:
- No annual fee
- Cashback from various partners
- Discounts on transportation, food and delivery apps
Differential: Fast card reissue and support via WhatsApp. Therefore, ideal for those who value speed and good service.
5. Santander SX (With conditional exemption)
Benefits:
- Free annual fee when spending R$100/month or registering CPF and cell phone as Pix keys
- App with management and contactless payment functions
- Esfera Benefits (exclusive discounts)
Differential: Option to advance limit with Pix, which makes financial emergencies easier. In addition, the bank offers a good relationship for those who want future upgrades.
6. Will Bank
Benefits:
- No annual fee
- Card with credit and debit function
- Light and intuitive app
- Accepts negatives in specific analysis
Differential: Easy for those with a low score. Therefore, it is a good alternative to restart your financial life. In addition, Will Bank offers simple and direct communication with its customers.
7. PicPay Card
Benefits:
- Zero annual fee
- Cashback directly to your PicPay balance
- 100% digital invoice
- Control spending in the app
Differential: Integration with PicPay digital wallet. In other words, you have access to promotions, payments via QR Code and transfers with just a few clicks.
How to choose the ideal card for you?
Before applying for any card, it is essential to analyze your consumption profile. Consider:
- If you prefer cashback or miles
- Whether the bank offers a good in-app experience
- If the card has partnerships with loyalty programs
- If there are requirements for annuity exemption
Also, compare the benefits offered and see if they make sense for your lifestyle. In other words, there’s no point in having a great mileage program if you don’t travel often.
Final considerations
Finally, credit cards with no annual fees in 2025 are increasingly complete, offering benefits that were previously restricted to premium cards. In other words, analyze your profile, compare the options and choose the one that offers the most advantages for your day-to-day life.
Therefore, it is worth exploring these options and finding the ideal card to save money without sacrificing practicality.
Final tip: Always use your card responsibly, avoiding interest and keeping your credit score positive.
Want more tips on personal finance and smart savings? Check out other articles on our blog!