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Earning R$ 100 or more in monthly cashback is absolutely achievable with the right credit card and spending strategy.
These five cards offer the highest cashback rates in Brazil, allowing smart spenders to earn significant returns on their regular purchases.
#1: Santander SX – The 2% Cashback Champion
Santander SX leads the market with consistent 2% cashback on selected categories that rotate monthly.
Why SX Generates R$ 100+ Monthly:
• 2% Categories: Choose high-spend categories like supermarkets
• 1% Everything Else: All other purchases still earn
• No Cashback Cap: Unlimited earning potential
• Instant Credit: Use cashback immediately
SX Cashback Strategy:
• Required Spending: R$ 5,000/month at 2% = R$ 100
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• Category Focus: Concentrate spending in 2% categories
• Bill Payments: Some bills count for cashback
• Annual Return: R$ 1,200+ for strategic users
Real User Examples:
• Family Groceries: R$ 3,000 at 2% = R$ 60
• Gas Station: R$ 1,500 at 2% = R$ 30
• Other Purchases: R$ 2,000 at 1% = R$ 20
• Monthly Total: R$ 110 cashback
#2: Inter Card – 1.25% Unlimited Cashback
Banco Inter offers consistent cashback without categories or complications.
Inter Cashback Excellence:
• 1.25% Everything: No category restrictions
• Account Holders Only: Must have Inter account
• Automatic Credit: Monthly deposit to account
• Investment Option: Can auto-invest cashback
Inter Monthly Math:
• Required Spending: R$ 8,000 x 1.25% = R$ 100
• Average User: R$ 5,000 spending = R$ 62.50
• Power User: R$ 10,000 spending = R$ 125
• Annual Benefit: R$ 1,500+ for regular spenders
Maximizing Inter Returns:
• Concentrate Spending: Use for all purchases
• Bill Payments: Include utilities and subscriptions
• Business Expenses: MEI can use for supplies
• Family Cards: Additional cards increase volume
#3: Méliuz Card – Up to 5% Selected Partners
Méliuz combines credit card with cashback platform for exceptional returns.
Méliuz High-Yield Strategy:
• Partner Stores: 2-5% at hundreds of retailers
• Base Rate: 0.8% on other purchases
• Platform Bonus: Extra cashback through app
• Withdrawal Flexible: Transfer to bank account
Méliuz R$ 100+ Formula:
• Strategic Shopping: R$ 2,000 at 5% = R$ 100
• Mixed Spending: R$ 3,000 at 3% = R$ 90
• Regular Purchases: R$ 2,000 at 0.8% = R$ 16
• Combined Total: R$ 106+ achievable
Partner Categories:
• Online Shopping: Major e-commerce at 3-5%
• Food Delivery: Apps offering 2-4%
• Travel Booking: Hotels and flights at 3-5%
• Fashion Retail: Clothing stores at 2-4%
#4: C6 Carbon – 1% Plus Category Bonuses
C6 Bank’s premium card delivers solid returns with special promotions.
C6 Carbon Features:
• 1% Base Rate: All purchases earn
• Bonus Categories: Up to 3% periodically
• No Annual Fee: For active users
• Points Option: Choose cashback or points
Carbon Monthly Strategy:
• Base Spending: R$ 7,000 at 1% = R$ 70
• Bonus Categories: R$ 2,000 at 3% = R$ 60
• Monthly Achievement: R$ 130 possible
• Promotional Periods: Extra earnings available
Carbon Optimization:
• Track Promotions: Check app for bonus categories
• Large Purchases: Time big expenses strategically
• Combine Benefits: Use with C6 Store discounts
• Family Strategy: Additional cards multiply earnings
#5: RecargaPay Card – 5% on Bills and Recharges
RecargaPay specializes in high cashback for specific expense categories.
RecargaPay Unique Approach:
• 5% Phone Recharges: Highest rate in market
• 2% Utility Bills: Electricity, water, gas
• 1% Other Purchases: General spending
• Instant Cashback: Credited immediately
RecargaPay R$ 100 Path:
• Phone Plans: R$ 500 at 5% = R$ 25
• Utility Bills: R$ 2,000 at 2% = R$ 40
• Regular Spending: R$ 3,500 at 1% = R$ 35
• Monthly Total: R$ 100 achieved
Bill Payment Strategy:
• Centralize Bills: Pay all utilities through app
• Family Phones: Recharge multiple lines
• Prepaid Services: Internet, TV, streaming
• Business Bills: Use for company utilities
Cashback Comparison Table
| Card | Max Rate | Spending for R$ 100 | Best Use |
|---|---|---|---|
| Santander SX | 2% | R$ 5,000 | Category focus |
| Inter | 1.25% | R$ 8,000 | Everything |
| Méliuz | 5% | R$ 2,000-4,000 | Partner stores |
| C6 Carbon | 3% | R$ 5,000-7,000 | Mixed spending |
| RecargaPay | 5% | R$ 2,000-4,000 | Bills/recharges |
Maximizing Monthly Cashback
Universal Strategies:
• Concentrate Spending: Use one primary card
• Pay Everything: Include all possible expenses
• Track Categories: Monitor bonus opportunities
• Family Cards: Combine household spending
Smart Spending Tips:
• Annual Expenses: Pay yearly bills for big cashback
• Business Use: Legitimate business expenses count
• Online Shopping: Route through cashback portals
• Gift Cards: Buy for future use during promotions
Reality Check
Understanding Requirements:
• Spending Levels: Need R$ 2,000-8,000 monthly
• Consistency Matters: Regular use required
• Category Awareness: Must optimize spending
• Fee Consideration: Ensure cashback exceeds costs
Cashback Best Practices:
• Automatic Payments: Set up recurring bills
• Monthly Review: Check cashback credits
• Combine Programs: Use multiple strategies
• Stay Informed: Follow card promotions
Conclusion
Earning R$ 100+ monthly cashback is realistic with these five cards, requiring strategic spending of R$ 2,000 to R$ 8,000 depending on your chosen card and categories.
The key is concentrating your expenses, utilizing bonus categories, and maintaining consistent usage.
Choose the card matching your spending patterns and start earning real money back on purchases you’re already making.
