RecargaPay is a Brazilian fintech that lets you apply for RecargaPay credit card entirely through its mobile app.
It’s designed for fast onboarding, transparent pricing, and everyday rewards—especially if you pay your bill in full and on time.
This guide explains how to apply, what types of cards are available, the core fees and interest, and how to contact the company if you need support.
What You Get With a RecargaPay Credit Card
RecargaPay promotes 1.5% cashback, credited after you pay your monthly bill.
The brand typically offers a monthly “anuidade” for each tier and waives the fee when you hit a monthly spending threshold.
If you don’t qualify for a traditional pre-approved limit, you can start with a secured (guaranteed) limit and build a history inside the app.
Use the virtual card instantly for online purchases while the physical card ships to your address after approval.
Tip: Terms and features can vary by offer and profile. Always review the conditions shown in your app during the application.
Card Types at a Glance
Virtual cards for all tiers are issued immediately after approval, so you can shop online while waiting for your physical card.
- RecargaPay Platinum: Entry premium tier with a lower monthly fee and a relatively accessible waiver threshold when you spend enough in the same billing cycle.
- RecargaPay Black: Higher tier with expanded benefits and a higher monthly fee—also waived when you reach a larger monthly spend.
- Secured Credit (Guaranteed Limit): If you’re building or rebuilding credit, you can allocate funds inside the app to “guarantee” your limit and start using the card right away. Your responsible usage can help you qualify for better offers over time.
Step-by-Step: How To Apply In The RecargaPay App
Keep your CPF, a valid photo ID, and a working phone camera ready for identity verification.
Download the app from your device’s official store and create your account. On the home screen, look for “Peça o seu cartão” / “Request your card”.
Confirm personal data and follow any prompts for selfie verification and document capture. This helps validate your identity and prevent fraud.
If you receive a pre-approved limit, you’ll see it on screen. If not, pick the Guaranteed Limit option and set your own limit by allocating funds.
Post Application
Before you apply for RecargaPay credit card, review the monthly fee, waiver rules, interest for installments or late payment, and any international charges.
Confirm your request.
After approval, your virtual card is available for online purchases. The physical card can be requested and will be delivered to your address.
Application time can vary. If the app requests additional documents, provide them promptly to keep the process moving.
Fees and Interest
The exact pricing depends on your profile and the card tier you select. Below are common figures that RecargaPay publishes for cardholders.
Always confirm the numbers shown in your app before you accept.
Annual fee (charged monthly):
- Platinum: typically 12 × R$ 14.90; fee waived when you reach the monthly spend threshold (commonly around R$ 1,000).
- Black: typically 12 × R$ 49.90; fee waived when you reach the monthly spend threshold (commonly around R$ 5,000).
Interest and charges:
- Revolving credit (when you don’t pay the full bill): around 18% per month.
- Bill installment plan (parcelamento da fatura): around 5% per month.
- Compulsory installment (when applicable): around 5% per month.
- Late payment: 2% penalty plus 1% monthly interest (mora).
- International purchases: ~4% spread plus ~3.5% IOF (federal tax).
- Cash advances (ATM): typically R$ 9.90 per withdrawal.
- Cashback rule of thumb: Cashback is calculated and credited after you pay your statement on time. Late payments generally forfeit cashback for that cycle.
Cost-saving Tips
Pay the full balance by the due date to avoid the high revolving rate.
If you need extra time, consider the installment plan (parcelamento) offered in-app instead of entering the revolving balance automatically.
For foreign purchases, include the spread and IOF in your mental math when comparing prices.
Who Can Apply For RecargaPay Credit Card?
New or existing RecargaPay users can request the card directly in the app.
If you don’t receive a traditional offer, the Guaranteed Limit path is a practical way to start using a credit card and establish a positive payment history.
Documents: CPF, valid photo ID, and a selfie may be required for identity verification.
Additional proof (such as address or income) may be requested case-by-case.
Managing Your Card After Approval
In the app, view and copy your virtual card, track spending in real time, see and redeem cashback, request limit changes, and pay your bill.
The revolving APR is one of the highest costs associated with any credit card. Paying in full is the most economical habit.
Enable in-app reminders to protect your cashback and avoid penalties.
Your card generally works abroad and on foreign websites. Expect the published spread plus IOF in addition to the exchange rate.
Official Contacts (Brazil)
RecargaPay Instituição de Pagamento Ltda. (CNPJ 11.275.560/0001-75)
Av. Brigadeiro Faria Lima, 4055, 1º andar, sala 1-114 (Espaço WeWork – Sala RecargaPay), Itaim Bibi, São Paulo – SP, CEP 04538-133
0800 202 0019 (Mon–Fri, 9 a.m.–5 p.m., Brasília time)
Customer support through the app and the Help Center 24/7 (no link needed—open the Help section in the app)
For card-specific questions (limits, fees, delivery, chargebacks), contact support inside the app so agents can view your account securely.
Conclusion
To apply for RecargaPay credit card, open the app, request your card, complete identity checks, and choose based on your profile.
The virtual card lets you start shopping right away, while the physical card follows by mail.
If you aim for steady savings, pay your bill in full and on time to capture cashback and avoid costly revolving interest.
Disclaimer: This guide summarizes RecargaPay’s publicly shared card features, tiers, and pricing as commonly presented to customers. Product availability, fees, benefits, eligibility, and approval times can change at any moment and vary by profile; always rely on the terms and pricing displayed inside your RecargaPay app before accepting an offer.
