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Nubank Ultravioleta Mastercard Black

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Card review

Nubank Ultravioleta Mastercard Black

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Brazil's leading premium metal card — instant cashback, IOF-zero abroad, and Priority Pass lounges

Fee: 89 BRL/mo (≈ $16); Waived when monthly spend exceeds R$8,000 on the card OR investments at Nubank exceed R$50,000
Purchase APR: 2.75% - 19.99%
Interest-free: -
Foreign fee: None

Rewards

1.25% instant cashback on all credit purchases (or 2.2 points per USD spent); 5% cashback / 9 points per USD on Nu Viagens travel bookings

Welcome offer

Selected customers offered first 12 months free as of April–May 2026

Our verdict

What stands out, and where it falls short.

What we like

1.25% instant cashback on all credit purchases (or 2.2…
Welcome bonus
No foreign transaction fees
Airport lounge access
Travel insurance included

Worth weighing

89 BRL/mo (≈ $16) card fee

Who It Is For

Whether the Nubank Ultravioleta Mastercard Black fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the 89 BRL/mo (≈ $16) fee

Rates and fees

As of June 20, 2026

All amounts shown in BRL.

Card fee: 89 BRL/mo (≈ $16)
Purchase APR: 2.75% - 19.99%
Interest-free period: -
Foreign transaction fee: None
Monthly fee (mensalidade): R$89/month; waived on R$8,000+ monthly spend or R$50,000+ invested at Nubank
International spread: 3.5% (IOF of 1.1% for credit operations; IOF is refunded)
Revolving credit APR: 2.75% – 19.99% per month (individual profile-based)

Rewards and features

Rewards: 1.25% instant cashback on all credit purchases (or 2.2 points per USD spent); 5% cashback / 9 points per USD on Nu Viagens travel bookings
Welcome offer: Selected customers offered first 12 months free as of April–May 2026
Installments: Up to 12x on bill (parcelamento de fatura, with interest)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
LATAM Pass Mode: Launched March 2026 — auto-converts spend to LATAM Pass miles at 2.2 miles/USD + 10% bonus on automatic payments
Cashback monthly cap: R$7,500 per redemption method per month
Travel eSIM: 10GB data valid in 150+ countries, auto-renews annually
Airline partners: LATAM Pass, Azul Fidelidade, Smiles (Gol)

Benefits and perks

Extras that come bundled with the card.

Priority Pass — 4 free annual visits to 1,700+ VIP lounges in 145+ countries
Ultravioleta Lounge at São Paulo Guarulhos Airport Terminal 3 — unlimited free access
IOF zero on international purchases — refunded within 7 business days
Mastercard Black travel assistance and emergency services
24/7 dedicated Mastercard Black concierge
Cashback credited instantly to account, redeemable for bill payment or Caixinha Turbo at 120% CDI

Eligibility

What you need before you apply.

Access: Application via Nubank app; invitation or open applications depending on availability

Nubank Ultravioleta Mastercard Black: your questions answered

How much does the Nubank Ultravioleta Mastercard Black cost?

The Nubank Ultravioleta Mastercard Black costs 89 BRL/mo (≈ $16). Waived when monthly spend exceeds R$8,000 on the card OR investments at Nubank exceed R$50,000.

What rewards does the Nubank Ultravioleta Mastercard Black earn?

The Nubank Ultravioleta Mastercard Black earns 1.25% instant cashback on all credit purchases (or 2.2 points per USD spent); 5% cashback / 9 points per USD on Nu Viagens travel bookings.

Does the Nubank Ultravioleta Mastercard Black charge foreign transaction fees?

No - the Nubank Ultravioleta Mastercard Black has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Nubank Ultravioleta Mastercard Black?

The Nubank Ultravioleta Mastercard Black has a purchase APR of 2.75% - 19.99%.

Does the Nubank Ultravioleta Mastercard Black have a welcome offer?

Yes - Selected customers offered first 12 months free as of April–May 2026.

Can I pay in installments with the Nubank Ultravioleta Mastercard Black?

Yes - Up to 12x on bill (parcelamento de fatura, with interest).

Is the Nubank Ultravioleta Mastercard Black a credit, debit or prepaid card?

The Nubank Ultravioleta Mastercard Black is a credit card issued by Nubank on the Mastercard network.

Does the Nubank Ultravioleta Mastercard Black support Apple Pay and Google Pay?

Yes - the Nubank Ultravioleta Mastercard Black works with both Apple Pay and Google Pay.

Where can I get the Nubank Ultravioleta Mastercard Black?

The Nubank Ultravioleta Mastercard Black is currently offered in Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay.

How does DebitCue rate the Nubank Ultravioleta Mastercard Black?

DebitCue rates the Nubank Ultravioleta Mastercard Black 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.