Full control via the app, no surprise fees, and amazing benefits.

The Nu Credit Card is a convenient credit card option designed to simplify your financial life. There are no unexpected fees or annual fees.

With an intuitive app that puts all the control in the palm of your hand, convenience is guaranteed. This way, you can manage your card quickly and securely!

With the Nu Credit Card, you gain access to interest-free installment plans and a variety of advantages that make your experience unique and hassle-free.

Want to learn more about this option that has become the top choice for 12 million customers in Mexico? Check out all the benefits of this card and find out how to get yours!

Discover the Nu Credit Card: Zero annual fees, no commissions, and full control via the app

The Nu Credit Card is issued by Nubank, one of the most trusted and innovative digital banks in Brazil and Mexico.

Nubank stands out for its credibility and excellent customer service. The bank is entirely digital and offers accessible and transparent financial solutions.

With the Nu Credit Card, you can start with an initial credit limit of up to $3,000, depending on your financial profile. The bank evaluates your finances fairly.

In addition to zero annual fees and no commissions, Nubank offers full control via the app, allowing you to manage your expenses easily and securely.

Key Benefits of the Nu Credit Card

The Nu Credit Card offers a variety of benefits that make your financial experience more convenient and advantageous.

With Nubank, you get access to unique benefits, such as full control through the app, with no hidden fees or extra costs. The Nu Credit Card is modern and accessible.

No Annual Fee and No Commissions

The Nu Credit Card is one of the few options on the market that doesn’t charge an annual fee. This means more money in your pocket, with no extra costs.

Additionally, there are no hidden commissions. Nubank follows a policy of total transparency, allowing you to manage your finances with more clarity and control.

This benefit is perfect for anyone looking for a simple credit card with no surprises at the end of the month. There are no monthly fees, just what you spend.

Full Control via the App

With the Nu Credit Card, all control of your account is in the palm of your hand. The Nubank app is simple and easy to use.

The app allows you to view all your purchases, pay bills, and even lock your card in seconds. It’s secure and intuitive, designed to make your life easier.

Nubank also sends real-time alerts, keeping you informed about your spending and preventing surprises on your bill. All this through your phone.

No Fees for International Purchases

Traveling abroad with the Nu Credit Card is even more advantageous. Nubank doesn’t charge extra fees for purchases made outside Mexico or Brazil.

You can shop online or in international stores with the same ease as local purchases. There are no extra fees, just the current exchange rate.

Moreover, Nubank offers fair currency conversion, with competitive and transparent rates. Travel worry-free, without surprise fees!

Free Virtual Card

The Nu Credit Card offers a free virtual card, ideal for online purchases. This adds more security, preventing fraud risks with your physical card.

The virtual card has a specific limit and can be generated directly in the app. This makes your digital shopping safer and more convenient.

You can also use the virtual card to test your purchases before using the physical one. Security and full control in your hands.

Quick Approval

The approval process for the Nu Credit Card is fast and straightforward. The process is completely digital, making the experience much quicker.

When you apply, the bank evaluates your financial profile, and within minutes, you receive a response. Approval is usually almost instantaneous.

This benefit makes Nubank ideal for anyone who needs a credit card quickly. There’s no delay or bureaucracy, everything is simple and direct.

Mastercard Gold Technology

The Nu Credit Card comes with Mastercard Gold technology, offering a variety of exclusive benefits such as travel security and assistance.

With Mastercard Gold, you gain access to international benefits, such as travel insurance, purchase protection, and even medical emergency support while traveling.

Additionally, Mastercard Gold provides greater protection against fraud, with EMV chip technology and more secure payments. Comfort and security in one card.

Contactless Payment

The Nu Credit Card makes your day-to-day easier with contactless payment technology. You can pay for your purchases quickly and conveniently.

Simply tap the card on the payment terminal, and the transaction is completed instantly. No need to enter your PIN for smaller amounts.

This technology makes payments faster, more secure, and more convenient, especially in establishments that already accept this feature.

Interest-Free Installments (MSI)

Nubank offers the benefit of interest-free installments for purchases above a minimum value, making it easier to pay for your purchases in up to 12 installments.

With the Nu Credit Card, you can choose to split your purchases without worrying about extra fees, making payments more affordable.

Interest-free installments are perfect for those who want more flexibility without accumulating unexpected debt. It brings more financial control to your day-to-day life.

Flexible Credit Limit

The credit limit for the Nu Credit Card is flexible and adjusted based on your financial profile. Nubank performs a fair and transparent analysis.

Over time, as you maintain a good payment history, your credit limit can be increased. This gives you more freedom with your purchases.

This automatic adjustment system ensures that you always have the right limit without needing to request an increase. Nubank makes accessing credit easy and intelligent.

Customer Support

Nubank’s customer service is known for being efficient and friendly. If you need assistance, the Nu Credit Card offers fast and high-quality support.

You can contact them via the app chat, by phone, or even on social media. The service is personalized and handled by trained professionals.

Nubank is recognized for its excellent support, always willing to help with any questions or issues. Your experience is their priority.

Eligibility Requirements to Apply for the Nu Credit Card

If you’re interested in applying for the Nu Credit Card, it’s important to know the eligibility requirements to ensure a successful application.

• Minimum Age: Applicants must be at least 18 years old.
• Residence in Mexico: Applicants must be residents of Mexico and provide proof of address.
• Proof of Income: Nubank requires proof of stable income for credit evaluation.
• Credit History: While an extensive credit history is not required, a financial assessment is performed to check your ability to pay.

With these simple requirements, you can apply for your Nu Credit Card quickly and easily, and start enjoying its benefits.

Step-by-Step Guide to Apply for the Nu Credit Card

Applying for the Nu Credit Card is simple and fast. Follow these steps to ensure your approval.

1. Access the Nubank website or app: Start the application process directly on Nubank’s official site or app.
2. Fill in your personal details: Provide information such as full name, address, CPF (ID number), income, and birthdate.
3. Submit the requested documents: Nubank may ask for proof of identity and residence, along with an analysis of your credit capacity.
4. Wait for analysis and approval: Nubank will evaluate your profile, and within minutes, you will receive a response about your approval.

Once approved, you will receive your Nu Credit Card in a few days and can start using it with ease.

Applicable Fees for the Nu Credit Card

The Nu Credit Card offers a very clear fee structure with no surprises. Knowing these fees is essential for planning your finances effectively.

By understanding the applicable fees, you can make smart use of your card. This includes costs such as card replacement, ATM withdrawals, and other charges.

Card Replacement

If you lose your card or it gets damaged, the Nu Credit Card charges a replacement fee of $150.

For example, if you lose your card, you’ll need to pay this fee to request a replacement. The process is quick and done through the app, without hassle.

This replacement fee applies to any reason for card replacement, whether it’s loss, theft, or defect. Requests can be made directly in the app.

The fee is quite affordable compared to other market options, ensuring you can replace your card quickly without high costs.

ATM Withdrawals

Withdrawing money from your Nu Credit Card at ATMs costs 4% of the amount withdrawn, with a minimum of $50.

For example, if you withdraw $1,000 from an ATM, the fee will be $40. Additionally, the withdrawn amount counts as a credit advance, which will incur interest.

If you withdraw $2,000, the fee will be $80. It’s recommended to avoid this type of transaction since, besides the fixed fee, daily interest may increase your debt.

The withdrawn amount will be included in your bill, and interest will start accruing from the moment of withdrawal. Use this option with caution.

Minimum Balance Fees

The Nu Credit Card charges a 10% fee on the remaining balance if you only pay the minimum payment on your bill.

For example, if your bill is $2,000 and you pay only the minimum amount of $300, the remaining balance will be $1,700, and the fee will be $170.

Additionally, this fee is added to the interest, which can significantly increase the total amount owed. Always avoid paying just the minimum to avoid accumulating debt.

This fee applies to each bill where only the minimum payment is made. To avoid these costs, always try to pay the full balance.

Late Payment Fee

If you do not pay your bill by the due date, the Nu Credit Card charges a 5% fee on the unpaid amount.

For example, if your bill is $2,000, the late payment fee will be $100, plus the interest charged for the delay in payment.

Late payment also affects your credit history, making it harder to obtain credit in the future. Nubank sends app notifications to remind you of the due date.

It’s essential to always pay your bill on time to avoid additional fees and damage to your credit history. Track your payments through the app.

Fixed Annual Interest Rate

The Nu Credit Card has a fixed annual interest rate of 49.9% if the balance is not paid in full.

For example, if you have a balance of $3,000 and do not pay the full bill, the interest applied would be $149.50 in the first month. This amount will be added to your next bill.

Interest is calculated daily on the outstanding balance, meaning the longer you take to pay, the more interest will accrue.

Whenever possible, avoid carrying an outstanding balance, as daily interest can quickly increase your debt. Nubank sends alerts via the app to help you stay organized.

Total Annual Cost (CAT)

The Total Annual Cost (CAT) for the Nu Credit Card is 129%, which includes all costs involved, such as interest, fees, and other charges.

If you carry an outstanding balance of $10,000 and do not pay the bill in full over the course of a year, the CAT would indicate that after 12 months, you would pay around $12,900.

This includes the interest on the outstanding balance, fees for minimum payments, ATM withdrawal fees, and other costs.

Therefore, if you pay your bills in full, the CAT will be much lower since there will be no additional interest or fees.

Interest-Free Installments (MSI)

The Nu Credit Card allows you to split your purchases into up to 12 interest-free installments (MSI), a great option for larger purchases.

For example, if you buy $3,000 at a partner store, you can split this amount into 3 installments of $1,000 with no interest, keeping the installment amounts fixed.

Note that MSI is only available at partner stores, and the benefit may vary depending on current promotions. Keep an eye on the offers.

This benefit makes financial planning much easier, as you’ll know exactly how much you’ll pay per month, with no extra fees. Track your purchases in the app.

Fixed Payment Plan (PPF)

With the Fixed Payment Plan (PPF), the Nu Credit Card allows you to split purchases into up to 24 months with fixed installments and no interest.

For example, if you make a $6,000 purchase and choose the PPF, you can split it into 6 installments of $1,000 with no interest, with fixed payments.

This plan is useful for those who want to pay for their purchases more affordably and with longer terms. You choose the number of installments and the amount.

The PPF offers more flexibility in payments, as Nubank provides various terms, allowing you to select the best option for your budget.

Conclusion

Now that you know the fees and benefits of the Nu Credit Card, you are better prepared to decide if this card fits your financial profile.

With zero annual fees and clear commissions, the Nu Credit Card offers a simple and practical solution, ideal for those seeking control and transparency.

In addition, Nubank’s intuitive app makes it easy to manage your spending and offers flexibility in payments, making the customer experience more satisfying.

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