How to Apply for a Nubank Credit Card: The Complete 2025 Guide

Applying for a credit card can feel overwhelming, especially when faced with endless paperwork, hidden fees, and confusing approval processes.

Fortunately, Nubank has simplified this journey, creating one of the most user-friendly digital banks in the world.

In this article, you’ll learn everything you need to know about applying for a Nubank credit card in 2025. We’ll cover eligibility, step-by-step instructions, tips to increase your approval chances, and even compare Nubank with traditional banks.

By the end, you’ll be fully prepared to apply with confidence ✔️.

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📌 Why Choose Nubank?

Nubank is not just a bank; it’s a digital revolution. Here are the main reasons people are switching:

• Zero annual fees (truly no hidden costs)
• 100% app-based management — everything on your smartphone
• Real-time notifications for every purchase
• Modern rewards program (Nubank Rewards and Ultravioleta)
• Simplified approval process compared to traditional banks

✅ If you value transparency and convenience, Nubank is one of the best credit cards in Brazil and Latin America.

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🗓️ Step-by-Step: How to Apply for a Nubank Credit Card

Here’s the exact process to request your Nubank credit card:

Step 1: Download the Nubank App ✔️

• Go to the App Store (iOS) or Google Play (Android).
• Search for “Nubank”.
• Download and install the official app.

Step 2: Start the Application

• Open the app.
• Click on “Request my card” (Pedir meu cartão).
• Fill in your basic information:
  • Full name
  • CPF (Cadastro de Pessoa Física)
  • Date of birth
  • Email and phone number

Step 3: Identity Verification 🗓️

Nubank will ask for:

• A photo of your ID document (RG or CNH).
• A selfie for face verification.

✔️ Make sure the photos are clear and well lit.

Step 4: Financial Information

• Provide details about your income.
• Sometimes Nubank requests bank statements or proof of income.

💰 The higher your declared and proven income, the better your approval odds.

Step 5: Wait for Analysis

• Nubank’s system uses AI + human review.
• You’ll receive a notification within a few minutes or up to 7 business days.
• If approved, your card will be shipped to your address 🗓️.

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📊 Eligibility Requirements

Here is a table summarizing who can apply for Nubank:

Requirement	Details
Age	Minimum 18 years old ✔️
Residency	Must live in Brazil
CPF	Must be valid and active
Credit Score	Medium to high increases approval chances
Income	No strict minimum, but higher income = better limit
Smartphone	Required to use the Nubank app

❌ People under 18, with an irregular CPF, or negative credit history (Serasa/SCPC) are less likely to be approved.

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💰 Benefits of Nubank Credit Card

✔️ No annual fee (lifetime)
✔️ Real-time expense tracking
✔️ Global acceptance (Mastercard International)
✔️ Rewards program (convert points into services like Spotify, iFood, Uber)
✔️ Ultravioleta version (premium cashback card 💰)

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✅ Tips to Increase Approval Chances

Many people get rejected ❎ on their first try. Here are strategies to improve:

1. Maintain a good credit score
   • Pay bills on time 🗓️
   • Avoid loans with overdue payments
2. Start with a Nubank account first
   • Open a free digital account
   • Move money regularly
   • Use the debit card
3. Provide accurate income data
   • Nubank checks consistency
   • Do not exaggerate your salary ❌
4. Reapply after 90 days
   • If denied, wait 3 months before trying again.

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🗓️ Timeline: From Application to First Purchase

Step	Average Time
Fill application	15 minutes ✔️
Document review	Instant – 7 days
Card shipment	5–10 business days
Activation	Same day via app
First purchase	Immediately after activation 💰

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❌ Common Mistakes to Avoid

• ❎ Submitting blurry photos of documents
• ❎ Entering wrong income values
• ❎ Applying with a low or negative credit score
• ❎ Trying multiple times in the same week (hurts your score)

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Nubank vs Traditional Banks

Feature	Nubank	Traditional Banks
Annual Fee	❌ Zero	💰 Often R$200–600
Application	100% online ✔️	In-branch paperwork
Approval Speed	Fast (AI + human review)	Slow (days/weeks)
App Experience	Modern & intuitive	Outdated, complex
Rewards	Transparent	Often confusing

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Frequently Asked Questions (FAQ)

1. Can foreigners apply?

Currently, Nubank requires a Brazilian CPF, so ❌ foreigners without CPF cannot.

2. What if I get denied?

Wait 90 days and reapply ✅. Meanwhile, improve your credit score.

3. Is Nubank safe?

Yes ✔️. Nubank is regulated by the Central Bank of Brazil and uses advanced encryption.

4. Does Nubank increase the limit over time?

Yes. By using your card responsibly, Nubank gradually increases your limit 💰.

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Conclusion

Applying for a Nubank credit card in 2025 is simpler than ever. The process is 100% digital, transparent, and user-friendly.

✔️ Download the app
✔️ Fill in your personal and financial details
✔️ Verify your identity
✔️ Wait for approval

If you meet the requirements and maintain good financial habits, Nubank is one of the best fee-free credit card options available.

💰 Transparent, powerful, and modern — Nubank is redefining how Brazilians manage their money.

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