If you want to travel faster by accumulating points on your credit card, it is essential to choose the right option to maximize your benefits. In 2026, the Brazilian market offers several alternatives that combine exclusive advantages for travel lovers, guaranteeing miles, discounts on flights and access to airport VIP lounges. In this article, we will explore the best credit cards for accumulating points and turning your spending into unforgettable trips.
Why choose a credit card to accumulate points?
Credit cards that accumulate points work as a rewards program, where with every purchase you earn a certain number of points or miles. These points can be exchanged for airline tickets, accommodations, upgrades and other travel-related services. In addition, many cards offer benefits such as:
- Annual fee waiver upon minimum spending;
- Partner loyalty programs such as Smiles, LATAM Pass and TudoAzul;
- Free travel insurance and travel assistance;
- Discounts on hotels and car rentals;
- Access to VIP lounges in domestic and international airports.
The best cards for accumulating points in 2026
1. Inter Mastercard Black Card
The Inter Mastercard Black is one of the best for those who want to accumulate points quickly. It earns 2.2 points for every dollar spent, which can be transferred to various miles programs such as LATAM Pass and Smiles. It also offers unlimited access to LoungeKey VIP lounges, travel insurance coverage and exclusive travel benefits.
2. BTG Pactual Mastercard Black
With accumulation of up to 2.5 points per dollar, the BTG Pactual Mastercard Black is an alternative for customers seeking high points returns. The points can be transferred to international and domestic miles programs, making it easier to exchange them for flights. The card also includes insurance and concierge services for travel.
3. Banco Bari Visa Infinite
Banco Bari offers, on its Visa Infinite card, a points program that yields excellent returns, especially for those who use international services. The accumulated points have extended validity and can be used for discounts on travel, lodging and gastronomic experiences.
4. Nubank Ultravioleta Card
The Nubank Ultravioleta has gained prominence by earning 1 point per real spent, and these points never expire. The points are converted into credits for airline tickets or can be transferred to partner programs, focusing on flexibility in accumulating and using points for travel.
5. Sicoob Mastercard Platinum Card
For those who prefer credit cooperatives, Sicoob offers the Mastercard Platinum, which allows points to be accumulated for exchange for airline tickets, hotels and electronic products. In addition, it has a more affordable annual fee and personalized service.
How to maximize point accumulation and travel faster
To get the most out of your card, consider the following tips:
- Use the card for all everyday expenses to accumulate more points.
- Watch out for flash promotions on transfers to miles programs.
- Choose cards that offer bonuses in categories such as travel spending, supermarkets and restaurants.
- Combine points across different cards and accounts to increase your miles availability.
- Always pay attention to the rules on point validity and transfer.
Conclusion
Choosing the right credit card to accumulate points is the first step to traveling faster and more comfortably. In 2026, options such as the Inter Mastercard Black, BTG Pactual Mastercard Black and Banco Bari Visa Infinite offer excellent advantages for those who want to turn daily spending into unique experiences around the world. Remember to analyze your financial profile and the conditions of each card before deciding, and take advantage of promotions to boost your points. Start planning your next trips today!
For more information on personal finance and travel tips, follow updates from reliable sources such as Banco Central and Investopedia.
