Introduction
In today's financial context, credit cards that offer cashback have become an excellent option for consumers who want to optimize their daily expenses while also saving. In 2026, accumulating cashback on everyday purchases is an advantageous strategy for anyone who wants to turn routine spending into real benefits, strengthening purchasing power and financial planning.
What is cashback and why choose a card that offers this benefit?
Cashback is the return of a percentage of the amount spent on purchases made with a credit card, deposited directly into the user's account or converted into credits for new purchases. This modality has grown in Brazil thanks to greater competition among traditional banks, fintechs and digital platforms, encouraging consumers to maximize their purchasing power.
Criteria for choosing the best credit card with cashback
- Cashback rate: analyze percentages that generally vary from 0.5% to 5% depending on the purchase category.
- Highest cashback categories: some cards offer higher returns on supermarkets, pharmacies, fuel or streaming services, which are important for daily spending.
- Fees and annual charges: consider whether the cashback benefit outweighs the charges.
- Ease of use: avoid cards that require complicated procedures to receive the cashback.
- Partners and integrations: banks and fintechs with strategic partnerships increase the chances of earning more.
Best credit card cashback options for daily purchases in 2026
1. Inter Cashback Plus Card
Inter offers up to 2% cashback on all purchases, ideal for those who want a consistent and simple return. With no annual fee, the card also provides additional digital benefits, such as unlimited transfers and integrated investments.
2. BTG Pactual Más Cashback
This card delivers up to 1.8% cashback and stands out for offering a higher percentage on supermarkets and pharmacies, a great differentiator for common everyday expenses. The annual fee is competitive, and the program is transparent and easy to use through the app.
3. Sicoob Card Cashback
For those who prefer cooperatives, the Sicoob cashback card offers up to 3% on local purchases and has flexibility for adjustments according to the customer's profile. It also encourages spending at local businesses, boosting the regional economy.
4. Mercado Pago Mastercard International
Ideal for those who shop online a lot, the Mercado Pago card offers up to 1.5% cashback on domestic and international purchases, with app integration that allows full control and easy use of accumulated amounts. The annual fee is free for those with a minimum monthly spend.
5. Revolut Cashback
The international digital bank Revolut offers variable cashback depending on the customer's plan, reaching up to 2%. It is an interesting option for consumers who also spend in foreign currencies, in addition to everyday purchases.
Tips for maximizing cashback in everyday life
- Use the card for routine purchases, such as supermarkets, fuel and pharmacies, since these sectors offer greater opportunities for returns.
- Check whether the card offers extra cashback with commercial partners or temporary promotions.
- Avoid annual fees when the cashback does not cover the cost of the charge.
- Concentrate your spending on one or two cards to maximize accumulation.
Conclusion
Choosing the right credit card to accumulate cashback on everyday purchases is a smart strategy to expand your financial power without having to increase spending. With options ranging from traditional banks like BTG Pactual and Sicoob to innovative fintechs like Inter and Revolut, there are alternatives for every profile and need. Analyze the fees, return percentages and partnerships to make the best choice and enjoy the benefits in 2026.
Stay alert to market offers and news to maximize your cashback and turn every purchase into smart savings!
