If you're looking for a card that offers cashback, you've probably already heard of the Nubank Ultravioleta and the C6 Carbon. Both are well-known options among premium cards in Brazil. In this article, we explain everything about these cards and compare which one actually earns more cashback for your wallet.
What it is / How cashback works on the Nubank Ultravioleta and C6 Carbon
Cashback is a form of reward in which you get back a percentage of the amount spent on the card. Both the Nubank Ultravioleta and the C6 Carbon work this way, but each has its own particularity in how credit and the percentage are handled. With the Nubank Ultravioleta, cashback is credited directly to your Nubank account monthly and can be used however you like.
With the C6 Carbon, on the other hand, you earn points that can be redeemed as cashback or for other benefits, including airline tickets. The cashback yield depends on what you choose when redeeming those points.
Advantages and benefits of the Nubank Ultravioleta and C6 Carbon
The Nubank Ultravioleta offers:
- 1% cashback on all purchases, with no limit and no need to accumulate points;
- automatic accumulation with no red tape;
- cashback that does not expire;
- access to premium services, including VIP lounges and exclusive events.
The C6 Carbon, in turn, offers:
- 1.5 points per dollar spent, and these points can be converted into cashback in reais;
- variation in cashback conversion depending on the redemption;
- exclusive travel benefits, including insurance and VIP lounges;
- the possibility of receiving cashback on purchases made abroad.
Precautions and points of attention
When choosing between the two cards, it's important to note that the Nubank Ultravioleta has a high annual fee, but it can be waived if you invest a certain amount with Nubank or spend a minimum amount each month. The C6 Carbon also has an annual fee that can be reduced by using the card.
Another point is that the C6 Carbon's cashback depends on accumulating points and on the redemption option you choose. If you don't redeem the points, you may lose the benefit. The Nubank Ultravioleta's cashback, on the other hand, is simpler and more direct.
How to apply / getting started with the Nubank Ultravioleta and C6 Carbon
To get started with the Nubank Ultravioleta, you need to be a Nubank customer and apply within the app, which will assess your profile. Approval may take your financial history into account.
For the C6 Carbon, you apply through the C6 Bank app after opening your digital account. They also review your registration to offer you the ideal card.
Conclusion
When the goal is simple, hassle-free cashback, the Nubank Ultravioleta earns more for its practicality and steady 1% cashback. For those seeking more flexibility in rewards and travel benefits, the C6 Carbon may be more advantageous, although it requires more control when using points for cashback.
So, evaluate your usage profile and the benefits that best fit your lifestyle. Both cards offer exclusive advantages, but which one earns more cashback will depend on how you use each of them.
