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With flexible payment options and a user-friendly app, this card helps consumers save money and manage their finances with ease.
Disclaimer: You will be redirected to the official website.
Benefits of the Carrefour Card
- Zero Annual Fee – The annual fee is waived with at least one purchase per month at Carrefour stores.
- Exclusive Installment Plans – Pay in up to 24 interest-free installments on select Carrefour products.
- Special Discounts – Enjoy exclusive promotions on groceries, pharmacy items, and fuel at Carrefour gas stations.
- International Acceptance – Available with Visa and Mastercard, accepted worldwide.
- Fully Digital Management – Use the “Meu Carrefour” app to monitor spending, adjust limits, and pay bills.
- Virtual Card for Secure Purchases – Extra security for online transactions.
- More Time to Pay for Fuel – Special conditions for fuel purchases at Carrefour gas stations.
- Partner Store Discounts – Additional savings at Atacadão and Sam’s Club locations.
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Pros
- Annual fee waived with monthly Carrefour purchases, making it an affordable option.
- Exclusive installment plans up to 24x, allowing for more flexible payments.
- Automatic discounts at Carrefour supermarkets, pharmacies, and fuel stations.
- Simple online management through the Meu Carrefour app.
- Accepted in Brazil and internationally, making it versatile.
Cons
- Annual fee applies if the card is not used at least once a month.
- Discounts and special offers are mainly limited to Carrefour stores.
- No cashback program or broad-based rewards system.
- High interest rates on unpaid balances, requiring responsible usage.
about the card
The Carrefour Credit Card is a financial solution created by Carrefour Soluções Financeiras to provide loyal customers with exclusive discounts, installment options, and financial convenience. It is specifically designed for those who frequently shop at Carrefour supermarkets, pharmacies, and gas stations, offering customized promotions and flexible payment plans.
One of its most attractive features is the ability to pay for purchases in up to 24 interest-free installments on select items, including electronics, household appliances, and furniture. This makes it easier to plan large purchases without financial strain.
Additionally, Carrefour gas station customers benefit from extended payment deadlines, helping them manage fuel expenses more efficiently.
How to Apply for the carrefour card
Applying for the Carrefour Credit Card is a fast and digital process, making it accessible and convenient for new customers.
APPLICATION REQUIREMENTS
- Must be at least 18 years old.
- Have a valid CPF (Brazilian taxpayer ID).
- Minimum income requirement (varies by card type).
- Pass the Carrefour credit analysis process.
STEP-BY-STEP APPLICATION PROCESS
- Visit the official Carrefour Soluções Financeiras website.
- Choose between Mastercard and Visa for your preferred payment network.
- Complete the application form with personal and financial details.
- Submit required documents (ID, CPF, proof of income, and proof of residence).
- Wait for credit approval, which may take a few days.
- Receive your card and activate it via the Meu Carrefour app.
Tip: Keep track of your application status through the Carrefour website or app for real-time updates.
Disclaimer: You will be redirected to the official website.
CARREFOUR CREDIT CARD FEES & INTEREST RATES
Understanding the fees and rates helps avoid unexpected charges and manage finances efficiently.
| Fee Type | Carrefour Credit Card |
|---|---|
| Annual Fee | Waived with monthly Carrefour purchases; otherwise, a standard fee applies |
| Late Payment Interest | Up to 11.9 percent per month |
| Installment Charges | Variable, based on product category |
| Cash Advance Fee | Applied based on withdrawal amount and ATM provider |
Tip: To avoid unnecessary fees, always make at least one purchase per month and pay your bill on time.
EXCLUSIVE INSTALLMENT PLANS AND DISCOUNTS
A major highlight of the Carrefour Credit Card is its special financing options and automatic discounts, which include:
- Up to 24 interest-free installments on select Carrefour products.
- 10 interest-free installments on medications and beauty products at Carrefour pharmacies.
- Extended fuel payment terms at Carrefour gas stations.
- Exclusive discounts via the Meu Carrefour app.
- Additional savings at partner stores such as Atacadão and Sam’s Club.
This card is an excellent choice for families and individuals who shop regularly at Carrefour and want to maximize their savings.
How to Improve Your Credit Score to Get Approved for the carrefour CARd
A strong credit score improves the likelihood of approval and higher spending limits. Follow these essential steps:
- Make on-time payments – Consistently paying bills on time improves creditworthiness.
- Use no more than 30 percent of your credit limit – Maintaining a low utilization rate signals responsible financial management.
- Avoid frequent credit applications – Too many inquiries can lower your score.
- Keep older credit accounts open – A long credit history positively impacts your rating.
- Regularly check your credit score – Use services like Serasa, Boa Vista, or SPC to monitor and correct any errors.
Following these best practices will help improve your creditworthiness, allowing you to access better financial opportunities in the future.
FINAL CONSIDERATIONS
The Carrefour Credit Card is an excellent financial tool for frequent Carrefour shoppers, offering exclusive discounts, flexible installment plans, and the ability to waive the annual fee with regular usage. For those who regularly purchase groceries, medications, or fuel at Carrefour, this card provides substantial savings and financial convenience.
Its fully digital experience via the Meu Carrefour app makes managing expenses easy and efficient. Additionally, partner store discounts at Atacadão and Sam’s Club further enhance its value.
However, customers who do not shop frequently at Carrefour may not fully benefit from the card’s perks, as most advantages are tied to Carrefour-owned stores and services.
For individuals seeking broad cashback rewards or extensive travel benefits, alternative credit card options may be more suitable.
That said, for Carrefour loyalists, the combination of special financing, automatic savings, and waived annual fees makes this card one of the best retail credit options available.