If you want to save on every purchase, credit cards with cashback continue to be one of the best ways to recover part of the amount spent. In April 2025, several institutions offer options with interesting benefits — from cards with no annual fee to premium products with high cashback percentages.
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Check out the 10 best cashback credit cards available this month, with highlights and conditions for each:
1. Amazon Prime Mastercard Platinum
- Cashback: 5% on Amazon purchases and 2% in other categories.
- Annuity: Free.
- Differentials: Installments of up to 15x interest-free on Amazon and cashback that can be used directly on the platform.
2. Amazon.com.br Mastercard Platinum
- Cashback: 3% on Amazon and 2% on restaurants, pharmacies, travel, entertainment and international shopping.
- Annuity: Free.
- Differentials: Participation in the Mastercard Surpreenda program and complete control via the Bradesco Cartões app.
3. BTG Pactual Ultrablue Mastercard Black
- Cashback: Up to 1.7% on international purchases and 1.5% on domestic purchases.
- Annuity: R$ 4,800 (exemption with monthly expenses above R$ 40,000 or investments above R$ 400,000).
- Differentials: Unlimited access to LoungeKey lounges and 12 free guests per year.
4. Banco do Brasil Altus Visa Infinite
- Cashback: 1.5% on all purchases.
- Annuity: R$ 1,800 (exemption with monthly expenses above R$ 25,000).
- Differentials: Access to LoungeKey and Dragon Pass lounges with guest access. Exclusive to Private clients.
5. RecargaPay Mastercard Internacional
- Cashback: 1.5% on all purchases.
- Annuity: Free.
- Differentials: No credit analysis and possibility of increasing the limit when applying balance to the account.
6. PicPay Mastercard Black
- Cashback: 1.2% on the invoice.
- Annuity: R$ 1,068 (exemption with monthly expenses above R$ 5,000 or investments above R$ 50,000).
- Differentials: Yield of 102% of CDI and access to Mastercard VIP lounges.
7. Inter Mastercard Black Win
- Cashback: 1,25% on all purchases.
- Annuity: Free.
- Differentials: Requires investments starting at R$1 million. Unlimited access to Priority Pass and Mastercard VIP lounges.
8. Santander Unique Mastercard Black
- Cashback: Unspecified amount, limited to R$ 500 per month.
- Annuity: R$ 1,050 (exemption with R$ 8,000 monthly in expenses or R$ 50,000 in investments).
- Differentials: 2 LoungeKey accesses per year and up to 5 additional cards free of charge.
9. Santander Unique Visa Infinite
- Cashback: Unspecified amount, limited to R$ 500 per month.
- Annuity: R$ 1,050 (same exemption rules as Mastercard).
- Differentials: 2 Dragon Pass accesses per year and up to 5 additional free cards.
10. Itaú Personnalité Mastercard Black
- Cashback: 1.1% on all purchases.
- Annuity: R$ 1,056 (exemption with R$ 10,000 monthly in expenses or R$ 50,000 in investments).
- Differentials: Access to LoungeKey VIP lounges (2 accesses per year) and Mastercard lounges at Guarulhos Airport.
Final considerations
Choosing the best cashback card will depend on your spending profile and income. For those who want benefits without paying annual fees, Amazon cards and RecargaPay stand out. For those with larger spending or investments, options like BTG Ultrablue, Altus Visa Infinite, and Inter Black Win offer higher returns, in addition to access to VIP lounges and exclusive benefits.
Before deciding, consider:
- Cashback percentage.
- Rules for exemption from annual fees.
- Additional benefits (VIP lounges, travel insurance, etc.).
- Easy cashback redemption.
With the right card, your everyday purchases can turn into real savings at the end of the month.
