Cashback is one of the most attractive financial advantages for consumers looking to save on their day-to-day budget. With the popularization of cashback programs, many banks and fintechs have launched credit cards that return a portion of the amount spent, encouraging conscious spending and financial control. In this article, you will discover the 7 best cashback credit cards that really make a difference in everyday purchases, with comparisons and tips for choosing the ideal one in 2026.
Why choose a credit card with cashback?
Cashback is a percentage return on the amount spent on purchases made on credit. Unlike points programs, the benefit is received in cash, which means more flexibility for the consumer to use it wherever they prefer. This is particularly advantageous for those who make many everyday purchases, such as at supermarkets, pharmacies and fuel stations.
In addition, these cards offer financial control through modern apps and generally have nationwide coverage, being accepted at thousands of establishments.
Criteria for selecting the best cashback credit cards in 2026
- Cashback percentage: the higher the return, the better the benefit.
- Variety of categories: some cards offer differentiated cashback for specific expenses.
- Fees and annual fee: check whether the card has a free annual fee or a cost compatible with its benefits.
- Ease of use: intuitive apps and quick crediting of cashback.
- Customer service and security: efficient support and features such as blocking the card via the app.
The 7 best credit cards for cashback on everyday purchases
1. Banco Inter Mastercard Platinum
Banco Inter with Mastercard Platinum offers up to 1.5% cashback on all everyday purchases, with no monthly limit. The annual fee is free, and the customer can track the amounts in real time through the app. It also has international acceptance and complementary travel insurance and 24-hour assistance services.
2. Nubank Rewards with cashback via Easynvest
Although the traditional Nubank works with a points program, by integrating investments at Easynvest, it offers indirect cashback on the amount invested, with effective return and fast liquidity. It is a good option for those who want to accumulate money while carrying out everyday financial operations.
3. Mercado Pago Mastercard Card
The Mercado Pago card offers up to 1% direct cashback on all purchases, which can be used to offset future transactions on the platform and with partners. Management is done through an intuitive app, making it easy to control the returned balance.
4. BTG Pactual Digio
BTG Pactual, through its partnership with Digio, offers a card with no annual fee and variable cashback, which can reach 1.5% on selected purchases, especially at supermarkets and gas stations. The app allows instant blocking and unblocking.
5. Sicoob Card with cooperative cashback
Credit cooperatives, such as Sicoob, offer cards that return part of the amount spent to members, ideal for those who prefer financial products based on solidarity economy. The cashback is cumulative and can be used to offset fees or increase investments in the cooperative.
6. Banco Original Mastercard
With 1% cashback on all purchases and up to 2% in categories such as supermarkets, Banco Original stands out for its low annual fee and nationwide coverage. The institution's app offers advanced control and alert features.
7. PicPay Card
PicPay Card offers up to 5% cashback on purchases made with digital wallet balance and 1% on regular credit. The great advantage is using the liquid money in the digital account for instant withdrawals and payments.
Quick comparison of cashback cards
| Card | Cashback | Annual fee | Highlights |
|---|---|---|---|
| Banco Inter | 1.5% on all purchases | Free | International and no monthly limit |
| Mercado Pago | 1% | Free | Uses cashback for payments and partners |
| BTG Pactual Digio | Up to 1.5% in categories | Free | Complete app and instant blocking |
| Sicoob | Cooperative cashback | Variable | Solidarity economy |
| Banco Original | 1% to 2% | Low | Control via app and differentiated categories |
| PicPay Card | Up to 5% (digital wallet) | Free | Cashback in digital wallet |
| Nubank Easynvest | Indirect cashback through investments | Free | Integrates investment and credit |
Tips to maximize cashback on everyday purchases
- Concentrate spending: use the same card for your main expenses to accumulate more cashback.
- Pay attention to categories: take advantage of higher percentages at supermarkets, pharmacies and gas stations.
- Use apps: track the amounts received and know when your cashback is available for use.
- Scale your benefit: combine cards for different purchase purposes and maximize the return.
Conclusion
Choosing the best cashback credit card can turn your daily purchases into a real savings opportunity. Traditional banks, cooperatives and fintechs offer several options, each with unique features and returns. Analyze your spending habits and goals to select the card that brings the most advantages to your day-to-day life in 2026.
Want to start saving now? Compare the options, apply for your preferred card and enjoy the cashback benefit on all your purchases!
Sources: Banco Central do Brasil, Febraban, Investopedia, Valor Econômico.
