Discover the required documents, minimum credit score, and exact conditions for approval for a Banco do Brasil credit card. Avoid mistakes that could lead to your application being denied.

With this guide, you can review each of the bank's requirements and prepare your application confidently, increasing your chances of having your credit limit approved.

How to order the card step by step

1. Required documents: ID card, CPF (Brazilian tax identification number), current proof of address, and proof of income (pay stub, income tax return, or bank statement).
2. Minimum score: Banco do Brasil requires a score above 700 points from credit bureaus (Serasa, Boa Vista, SPC).
3. Minimum income: For basic cards, a minimum proven income of R$ 1,500. For premium versions, a minimum of R$ 5,000.
4. Relationship with the bank: Having a checking or savings account at Banco do Brasil for at least 6 months is a positive advantage.
5. Profile analysis: The bank evaluates relationship history, overdraft facilities, investments, and other contracted products.
6. Restrictions: A clean name and no outstanding debts in the Check Issuers Without Funds Registry (CCF) are essential conditions.
7. Pre-approval: Customers with a good relationship may receive a pre-approved offer in the app or online banking.

• No annual fee: Basic credit cards have no annual fee if you spend over R$100 per month or have a salary account.
• Visa or Mastercard accepted at millions of establishments in Brazil and abroad.
• Loyalty program: Earn points that can be redeemed for airline tickets, products, and services.
• Flexible limit: Possibility to increase the limit with responsible use and on-time payments.
• Full control through the app: Manage your bill, credit limit, block and unblock directly from your phone.
• Enhanced security: Chip, personalized password, and real-time notifications for every purchase.
• Exclusive promotions: Discounts at partner businesses such as Petrobras, pharmacies, and supermarkets.

Guide to getting a Card

The Banco do Brasil credit card stands out for having no annual fee on its basic models and for its easy approval process for account holders. While other banks require a minimum income of R$ 2,000, BB approves starting from R$ 1,500.

Furthermore, the points program is one of the most advantageous on the market, with direct conversion into airline miles.

Data from the Central Bank shows that Banco do Brasil (BB) has one of the lowest revolving interest rates among major banks, which reduces the cost of credit for those who need to pay their bill in installments.

• Providing inconsistent information: Discrepancies between name, CPF (Brazilian tax identification number), or address between documents and registration will result in automatic rejection.
• Ignore the credit score: Trying to apply for the card with a score below 700 drastically reduces your chances; first, clear your name.
• Failure to prove sufficient income: Submitting an old payslip or an incomplete declaration may be considered insufficient.
• Having many recent inquiries: Each inquiry to your CPF (Brazilian tax identification number) reduces your score; avoid applying for multiple cards at the same time.
• Forgetting to update your registration at Banco do Brasil: If you are already an account holder, check if your information is up to date in the app.

Urgent: Limited Spots Available for Zero Annual Fee Credit Cards

Banco do Brasil offers free annual fees for the first 5,000 applications per month for its basic credit card. After reaching this limit, the fee will be charged again.

Take advantage while the slots are open and place your order this month.

How to order the card step by step

How to order the card step by step

Now you know all the requirements for the Banco do Brasil Card. Gather your documents, check your credit score, and follow the step-by-step instructions to apply.

With the right information, your approval becomes much easier. Don't waste time: the zero annual fee offer is for a limited time only.