The Mercado Pago Card goes far beyond cashback. It offers benefits that can transform your relationship with money, with no annual fee and easy approval.
In this guide, you'll discover how to use each benefit to your advantage, from the points program to the credit limit that grows with you.
How to apply for the benefits program
- Request your card through the Mercado Pago app in minutes, without leaving home.
- analysis credit
- Receive the physical card at home or use the digital version immediately.
- Activate automatic cashback : with each purchase, a percentage is returned as credit.
- Earn points in the Mercado Pontos program and redeem them for discounts or products.
- Keep track of the limit , which can increase with responsible use and timely payments.
- Enjoy exclusive benefits like interest-free installment payments on Mercado Libre and access to special offers.
- Real cashback of up to 3% on purchases at Mercado Libre and 1% on other purchases.
- No annual fee if you earn over R$100 per month or have investments.
- Personalized limit based on your behavior on the platform.
- A complete app for managing expenses, bills, and financial goals.
- Discounts at partner businesses like Uber, iFood, and pharmacies.
- Contactless payment and integrated digital wallet.
- 24/7 support directly through the app.
Comparison with other cards: what users say
Recent research indicates that the Mercado Pago Card is one of the best options for those seeking cashback without bureaucracy. Unlike traditional banks, approval is based on your history on the platform, which can benefit those with an average credit score.
Users report increased credit limits after three months of regular use, and the absence of an annual fee is one of the most praised features. The average rating in app stores is 4.5 stars, with ease of use being a highlight.
How to order a Mercado Pago card step by step
- Do not activate cashback: you need to confirm your participation in the app to receive the credits.
- Late payments: this can reduce your credit limit and cancel benefits such as annual fee waivers.
- Ignore the points program: Mercado Pontos expire in 12 months; redeem them before they expire.
- Do not review your available credit limit: purchases exceeding the limit will incur fees.
- Using only the physical card: the digital version allows for faster and more secure payments.
Availability and how to secure your card today
The Mercado Pago Card is available throughout Brazil, but approval depends on a credit check. Those who already use Mercado Libre or Mercado Pago frequently have a better chance of being pre-approved.
The process is online and takes less than 5 minutes. After approval, the virtual card is issued instantly, and the physical card arrives within 15 business days.
Supply may vary depending on demand, so it's best to order as soon as possible.
How to order a Mercado Pago card step by step
How can I participate using my mobile phone?
Download the Mercado Pago app, log in, and go to "Credit Card." Follow the instructions to request and activate the benefits.
How can I participate without making a mistake?
Fill in all the information correctly, keep your CPF (Brazilian taxpayer ID) valid, and avoid applying more than once in a short period.
Quick guide: What documents do I need?
RG or CNH (Brazilian national identity card or driver's license), CPF (Brazilian taxpayer identification number), proof of residence, and proof of income. The analysis is done automatically by the system.
What should you know before ordering?
The card has no annual fee if you spend over R$100 per month. Otherwise, the fee is R$19.90 per month.
How to order a Mercado Pago card step by step
The Mercado Pago Card is a powerful tool for those who want cashback, with no annual fee and real benefits. Now that you know all the details, you're ready to request yours and start enjoying the benefits.