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Nubank Credit card
Nubank Mastercard Gold
No rewards
MASTERCARD
Apply for Nubank Mastercard Gold

On Nubank's secure site

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Credit card Nubank Mastercard

Card review

Nubank Mastercard Gold

4.2 4.2 out of 5 8.4/10 DebitCue Score Verified

No annual fee credit card with Mastercard Gold purchase protections

Fee
No fee
Purchase APR
2.75% - 19.99%
Interest-free
-
Foreign fee
3.5%

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • Pay in installments

Worth weighing

  • 3.5% foreign transaction fee
  • No rewards programme

Who It Is For

Whether the Nubank Mastercard Gold fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • People who pay big purchases off over time

Skip it if you are

  • Frequent international travelers
  • Rewards-chasers

Rates and fees

As of

All amounts shown in BRL.

Card fee
No fee
Purchase APR
2.75% - 19.99%
Interest-free period
-
Foreign transaction fee
3.5%
Revolving credit (rotativo) APR
2.75% – 19.99% per month
Bill instalment APR
0.99% – 19.75% per month
Cash advance rate
9.75% per month

Rewards and features

Installments
Up to 12x on bill (parcelamento de fatura, with interest)
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Foreign transaction IOF/spread
3.5% spread + 6.38% IOF on international purchases

Benefits and perks

Extras that come bundled with the card.

  • Mastercard Gold purchase protection — accidental damage or theft within 30 days of purchase
  • Extended manufacturer warranty by up to one additional year
  • Price protection — reimbursement if same item found cheaper within 30 days

Eligibility

What you need before you apply.

Minimum income
No published minimum — credit analysis via bureau data

Nubank Mastercard Gold: your questions answered

Does the Nubank Mastercard Gold have a card fee?
No - the Nubank Mastercard Gold has no card fee.
Does the Nubank Mastercard Gold charge foreign transaction fees?
Yes - the Nubank Mastercard Gold charges a 3.5% foreign transaction fee.
What is the interest rate on the Nubank Mastercard Gold?
The Nubank Mastercard Gold has a purchase APR of 2.75% - 19.99%.
Can I pay in installments with the Nubank Mastercard Gold?
Yes - Up to 12x on bill (parcelamento de fatura, with interest).
Is the Nubank Mastercard Gold a credit, debit or prepaid card?
The Nubank Mastercard Gold is a credit card issued by Nubank on the Mastercard network.
Does the Nubank Mastercard Gold support Apple Pay and Google Pay?
Yes - the Nubank Mastercard Gold works with both Apple Pay and Google Pay.
Where can I get the Nubank Mastercard Gold?
The Nubank Mastercard Gold is currently offered in Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay.
How does DebitCue rate the Nubank Mastercard Gold?
DebitCue rates the Nubank Mastercard Gold 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Nubank Mastercard Gold?
Use the Apply now button to continue on Nubank's secure site. Comparing and applying through DebitCue is free.

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