The best International Credit Cards of 2023: [Full List]

Having an international credit card is a great option for those who love to travel or enjoy shopping on international websites. Among the advantages, besides convenience, most digital bank cards have no annual fee and offer many exclusive benefits, including cashback. Yes, cash back!

Geniuzz has selected the 10 best international credit cards for you to choose the one that best suits your needs! Ready?

1. Banco Inter International Credit Card
2. DigioCard Visa International
3. Santander SX
4. Mastercard Platinum Méliuz
5. Bradesco Neo Visa Platinum International
6. BMG Mastercard International
7. Nubank's Purple One
8. Mastercard C6 Bank
9. Ame Mastercard International
10. Samsung Platinum International

1 – Banco Inter International Credit Card

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This international card has no annual fee, no withdrawal fees for customers who use the card as a debit card (a huge plus), and even offers cashback for those who set up direct debit. To apply for the card, you'll need to open a digital account with Inter.

2 – DigioCard Visa International

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This card offers a range of benefits, including special discounts, zero annual fees, cashback on purchases made at partner companies, exclusive discounts and offers in the app, a points club for you to accumulate and exchange for benefits or products, and other cool things.

3- Santander SX

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The card is free of annual fees for those who register their CPF and cell phone number as Pix keys with Santander or for those who spend R$1,000 on their monthly bill. Exclusive discounts are available at partner companies through Clube Esfera.

4 – Mastercard Platinum Méliuz

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Issued by Méliuz itself, the Méliuz card, in addition to not charging an annual fee, has a cashback rate considered the best in the country: the cashback percentage is up to 2%.

5 – Bradesco Neo Visa Platinum International

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By accumulating R$ 50 in spending on each bill, you're exempt from annual fees. With this card, you get R50% off Cinemark movies and the exclusive Neo Loyalty Program. 6 – BMG Mastercard International

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Issued under the Mastercard banner, Banco BMG's international credit card has no annual fee and a rewards club with exclusive discounts. It also offers unlimited free withdrawals from the Banco24Horas and Saque e Pague networks.

7 – Nubank’s Purple One

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With no annual fee, the Nubank credit card is issued under the Mastercard banner. It even offers additional cards, including for children ages 10 and older.

8 – Mastercard C6 Bank

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The C6 Bank credit card has no annual fee and is international. The bank offers the Átomos Points Program, a customer benefits program where points never expire. You can purchase through the C6 Store: an in-app store with products, exclusive coupons, and up to 50% in discounts.

9 – Ame Mastercard International

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With zero annual fees, this card allows you to pay in up to 21 installments at Americanas, Submarino, and Shoptime stores. It also offers cashback on purchases made through the Ame Digital app, as well as exclusive in-app offers. Apply for the Ame Mastercard

10 – Samsung Platinum International

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In addition to being international, the Samsung Platinum plan offers exclusive discounts on Samsung smartphones at Samsung's online stores and allows for interest-free installment payments in up to 24 months at Samsung's online stores. It requires a minimum income of R$1,500 and offers a waived annual fee for customers who choose the Samsung Itaú plan.

What is the difference between an international card and a national credit card?

National and international credit cards have very similar features, but the fact is that coverage makes a difference depending on your consumption profile.

National credit cards are accepted in physical and online stores only in Brazil. International credit cards are also accepted for purchases in physical and online stores abroad.

With an international credit card, you can also make withdrawals abroad; ideal for those who travel frequently abroad. Another advantage is that limits are usually higher for international cards than for domestic ones.

The choice, as we said, will depend on what makes the most sense for you. 😉

How to get an international credit card?

Applying for an international credit card is simple. With digital banks, the entire process is done online, with no need to visit a physical branch and complete convenience.

See the step by step:

1. Choose a digital bank of your choice (Digio, Inter, Neo, Original, C6 Bank, for example)
2. Download the digital bank app, available free of charge, on your smartphone
3. Open a digital account at the chosen bank
4. Follow the instructions in the app to apply for the credit card

At some banks, you can automatically obtain a credit card after undergoing an analysis by the institution, and even without having a physical card, you can make purchases using the virtual card.

How to choose the best international card?

When choosing the best international card, it's important to consider a few factors, including fees, limits, and benefits. Below are some aspects and features that can make a big difference when choosing your international credit card:

Annuity

Card annual fees can be quite a burden on your wallet. Be careful and choose cards with no annual fee or that allow you to reduce the annual fee, depending on your spending. Assess your profile and see which card might be most beneficial for your daily life. If you don't spend much monthly, it doesn't make sense to opt for a card that only waives an annual fee if you spend a certain amount per month. It's a bad deal.

Card flag

Visa and Mastercard are the most well-known cards on the market and accepted at thousands of physical and online establishments worldwide. However, each card offers its own unique rewards program. Just by having a Visa card, you can participate in Vai de Visa or Mastercard Surpreenda, offering many exclusive discounts and benefits, from hotel and restaurant chains to discounts at major retailers. Evaluate what appeals most to you, based on your profile, and make your choice!

Easy to apply for the card

Digital banks have come to eliminate much of the bureaucracy involved in opening an account and applying for financial products, such as credit cards. But there are still requirements. Typically, there's a credit check and a minimum income requirement to apply for a card. Consider these criteria and ensure the process is straightforward. After all, the simpler the process, the better, right?

Charging fees

Pay attention to the fees charged by the card issuing institution. Some institutions charge for withdrawals, including in Brazil. Internationally, fees may apply. Therefore, consider these fees and choose the institution that offers the best value for your money.

Main questions about international credit cards

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