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With no annual fee, an intuitive mobile app, and exclusive discounts through the Mimos Next program, this card offers a seamless banking experience with the backing of Banco Bradesco.
Disclaimer: You will be redirected to the official website.
Benefits of the Next Card
- Zero Annual Fee – Available through the Next Na Faixa plan, ensuring long-term savings.
- Virtual Card for Online Purchases – Enhanced security for digital transactions.
- Full Digital Management – Control all expenses, payments, and transactions via the Next app.
- Unlimited Free Withdrawals – Access cash at Banco24Horas ATMs and Bradesco branches.
- Exclusive Visa Offers – Discounts through Vai de Visa in partner stores.
- Contactless Payments – Tap to pay for fast, secure transactions.
- Cashback Promotions – Periodic opportunities to earn money back on selected purchases.
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Pros
- No annual fee under the Next Na Faixa plan, making it an affordable option.
- Intuitive app for complete financial control, from tracking expenses to setting spending goals.
- International acceptance with Visa, making it ideal for travelers.
- Special discounts through Vai de Visa and the Mimos Next program.
- Unlimited free ATM withdrawals at Banco24Horas and Bradesco locations.
- Secure online transactions with a dedicated virtual card.
Cons
- Initial credit limit may be low, depending on financial analysis.
- Credit function is not automatically granted, requiring approval.
- Premium plans have monthly fees, which may not appeal to all users.
- Cashback is only available in limited-time promotions, rather than a continuous reward system.
about the card
The Next Credit Card, issued by Banco Next, is a fully digital credit and debit solution tailored for tech-savvy consumers looking for a simple, modern, and low-cost banking experience. Designed to eliminate unnecessary fees, it allows users to manage their finances efficiently through an advanced mobile app.
Unlike traditional banks, Next operates entirely online, providing users with free and unlimited cash withdrawals, special discounts, and an intuitive financial planning system that enables them to set and track savings goals.
How to Apply for the next card
Applying for the Next Credit Card is fast, digital, and hassle-free.
APPLICATION REQUIREMENTS
- Must be at least 18 years old.
- Have a valid CPF (Brazilian taxpayer ID).
- Residency in Brazil is required.
- Pass the Next credit evaluation (for credit function activation).
STEP-BY-STEP APPLICATION PROCESS
- Download the Next app from the App Store or Google Play.
- Register your personal and financial details.
- Choose between the free Next Na Faixa plan or a premium plan with added benefits.
- Submit the required documents (CPF, ID, proof of address, and proof of income).
- Await approval for your Next account and credit function.
- Receive and activate your card via the app.
Tip: Track your application status directly through the Next app for updates.
Disclaimer: You will be redirected to the official website.
next CREDIT CARD FEES & INTEREST RATES
| Fee Type | Next Credit Card |
|---|---|
| Annual Fee | Free (Next Na Faixa) |
| Late Payment Interest | Up to 12.99 percent per month |
| Installment Charges | Variable, depending on financing conditions |
| Cash Advance Fee | Applied based on withdrawal amount and ATM provider |
Tip: To avoid unnecessary charges, always pay your bill in full and on time.
NEXT’S EXCLUSIVE BENEFITS
Next provides unique financial advantages through features such as:
- Mimos Next Discounts – Savings on entertainment, food delivery, education, and transport services.
- Financial Planning Tools – Personalized goal-setting and budgeting within the app.
- Flexible Bill Payments – Easy installment options for credit card bills, helping with better financial management.
- 24/7 Customer Support – Instant assistance through the in-app chat.
With Next, users experience a modern, mobile-first banking platform designed for financial flexibility and savings.
Seamless Digital Experience
The Next app acts as a financial command center, allowing users to:
- Monitor spending in real time
- Make and schedule payments effortlessly
- Request virtual cards for safer online purchases
- Manage financial goals and budget effectively
This level of digital control ensures a seamless and hassle-free banking experience.
How to Improve Your Credit Score to Get Approved for the next CARd
A strong credit score helps secure higher spending limits and better financial opportunities. Follow these key strategies:
- Always pay your bills on time to maintain a solid payment history.
- Keep credit utilization below 30 percent to demonstrate financial responsibility.
- Avoid excessive credit applications to prevent multiple inquiries on your credit profile.
- Maintain older credit accounts to establish a long credit history.
- Check and update your financial information regularly for accurate credit evaluations.
- Monitor your credit score regularly via services like Serasa, Boa Vista, or SPC.
Following these best practices improves financial standing and increases your chances of securing better credit options.
FINAL CONSIDERATIONS
The Next Credit Card is a top-tier option for digital banking users, offering no annual fee, free ATM withdrawals, and exclusive partner discounts. It provides an advanced mobile banking experience, allowing users to manage their finances effortlessly from their smartphones.
With Next’s integration with Banco Bradesco, users gain solid banking infrastructure with the flexibility of a digital-first approach. The Mimos Next program and Vai de Visa benefits make this card particularly attractive to those looking for extra savings on daily purchases.
However, the credit function approval process and potential low initial limit might be a downside for those looking for immediate high-credit availability. Additionally, users who prefer continuous cashback rewards might find the Next promotional cashback model less appealing.
Overall, the Next Credit Card is an excellent choice for tech-savvy individuals seeking an efficient, digital, and fee-free banking solution.