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Cards with no annual fee and the best points programs for earning quickly

Introduction

In 2026, the search for no-annual-fee cards with efficient points programs is increasingly popular among Brazilian consumers. After all, besides the savings from the absence of annual fees, the ability to accumulate points quickly makes using the card advantageous for those who want to maximize benefits without straining the budget. In this article, we will explore which options on the market offer the best points programs and how to take advantage of them to accumulate rewards quickly and smartly.

Why choose no-annual-fee cards with a points program?

Opting for a card with no annual fee reduces the cost of keeping the card, making it an interesting option for those who want to control expenses. However, not all of these cards have attractive loyalty programs. A good points program offers the chance to turn everyday spending into rewards, which can be exchanged for airline tickets, products, partner discounts or cashback.

In addition, some banks and fintechs have created points accumulation systems that speed up earnings based on usage or specific categories, such as supermarkets, transport and travel, making quick accumulation easier.

No-annual-fee cards with the best points programs in 2026

We selected some options that combine the advantage of annual fee waiver with competitive and easy-to-use points programs:

1. Banco Inter – Mastercard International Card

  • Points program: Cashback and points that can be exchanged for products and services.
  • Benefit: No annual fee and special conversion into points for specific categories.
  • Highlight: Possibility of earning points faster on purchases made through the app.

2. PicPay Card

  • Points program: Automatic cashback on all purchases, which can be converted into balance to use on the platform.
  • Benefit: Zero annual fee and possibility of bonuses on special dates.
  • Highlight: Accelerated accumulation for payments via QR code and PicPay partners.

3. Sicoobcard

  • Points program: Sicoob points earned with each purchase, which can be converted into discounts or products from the cooperative's catalog.
  • Benefit: Annual fee waiver for account holders, ideal for those who use cooperative financial services.
  • Highlight: Point multipliers in selected categories, such as supermarkets and pharmacies.

4. Sofisa Direto – Visa International Card

  • Points program: Partner loyalty program that allows exchange for airline tickets and products.
  • Benefit: No annual fee and no hidden charges.
  • Highlight: Accelerated accumulation on international and transport purchases.

5. Banco Original – Visa Gold Card

  • Points program: Original Smiles program, with exchange for miles and various experiences.
  • Benefit: Annual fee waived in the first year and special conditions for waiver afterwards.
  • Highlight: Extra points for purchases at Smiles program partners.

Tips for accumulating points quickly

  • Use the card for routine expenses: Pay bills, shop at the supermarket and fill up the car with the card to earn points on frequent spending.
  • Take advantage of seasonal promotions: Watch for bonus periods on specific purchases to maximize your points balance.
  • Use program partners: Often, purchases at partner chains earn double or triple points.
  • Centralize your spending on a single card: This helps you accumulate a larger number of points quickly, instead of splitting expenses across several cards.
  • Check your points balance regularly: Avoid rewards expiring and plan your exchanges better.

How to choose the ideal card for your profile?

Before choosing a no-annual-fee card with a points program, assess your spending pattern. If you often travel, an option with fast accumulation for airline tickets may be more advantageous. If the focus is cashback for everyday use, cards such as PicPay's may be more interesting.

Also consider additional services, such as customer service, limits and extra benefits. Compare offers among traditional banks, fintechs and cooperatives to find the best value for money.

Conclusion

No-annual-fee cards with the best points programs for quick accumulation are available both from digital banks and from cooperatives and traditional institutions. The choice depends on the consumer's profile and how the card will be used.

For 2026, it is worth investing time to understand the conditions and take advantage of promotions that speed up point accumulation. With planning and careful selection, it is possible to turn your spending into concrete benefits without paying an annual fee.

Want to start accumulating points now? Review the options listed and choose the card that best suits your needs to maximize your rewards in 2026!

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