If you're looking for a practical way to get a reliable card with good credit limits and national and international acceptance, you need to understand... How to apply for a pre-approved Itaú Credit Card. After all, we're talking about one of the biggest banks in Brazil, with a wide variety of cards and an approval policy that can surprise even those with an average credit score.

Many people think that, because it's a traditional bank, Itaú only approves loans for those with high incomes or impeccable credit histories. But that's not quite the case. The bank has started investing in technology and intelligent data analysis, and today it grants credit to thousands of people with diverse profiles, including pre-approved applications directly linked to their CPF (Brazilian tax identification number).

Why choose an Itaú credit card?

Itaú has a diverse portfolio of credit cards, ranging from basic cards with no annual fee to premium options with miles, cashback, and exclusive benefits. And all of them come with the confidence of a solid bank and one of the best digital infrastructures in the country.

Another key differentiator is personalization. Customers can choose the best card according to their profile, whether it's the Itaucard Click (no annual fee and a good credit limit), the Latam Pass (for those who want to accumulate miles), or even the Iupp, with access to a marketplace of benefits. Regardless of the choice, all cards share the same technological base and app support, which facilitates bill management, credit limit control, and payments.

How do I know if I have a pre-approved Itaú loan?

First of all, it's worth noting that Itaú usually releases pre-approved offers for the CPF (Brazilian tax identification number) Thousands of Brazilians have access to this service, even if they don't yet have a bank account. This means you could have a card approved without even knowing it—just check.

Look How to apply for a pre-approved Itaú Credit Card in practice:

  • Access the Itaú's official website Or download the Itaucard app.
  • Click on “See if I have an offer”.
  • Enter your CPF (Brazilian tax identification number) and wait a few seconds.
  • If there is an offer, it will be displayed immediately with the initial credit limit, card type, and terms and conditions.
  • Simply fill in the details, confirm the address, and accept the terms.

In just a few minutes, you'll know if you've been approved and you can start using the virtual card immediately — the physical card will arrive in the mail.

Who can get an Itaú credit card?

Anyone over 18 years of age, with a valid CPF (Brazilian taxpayer ID) and internet access can check the offer. The minimum income required varies depending on the type of card, but many products do not require formal proof of income — the analysis is based on data from Serasa, Boa Vista, and the history of financial transactions.

Even those who don't have an Itaú account can receive a credit offer. And, if the offer doesn't appear immediately, the website allows you to leave your information registered for future analysis. This shows that the bank is always updating credit possibilities as each client's profile evolves.

Which Itaú credit cards are usually easiest to get approved for?

If your focus is to understand How to apply for a pre-approved Itaú Credit Card With a higher chance of approval, it's worth exploring models with lower profile requirements:

  • Itaucard Click Visa or MastercardNo annual fee, with an attractive initial credit limit and a good approval rate for those with an average credit score.
  • Itaucard Azul and Latam PassIdeal options for those who want to accumulate miles, with real chances of approval for those who already travel or have recurring transactions.
  • Co-branded cards such as Magazine Luiza, Extra, Pão de AçúcarThese typically focus on frequent customers of partner stores and tend to have more flexible credit policies.

These versions frequently appear in the site's pre-approved offers. Simply check with your CPF (Brazilian tax identification number) to see which one is available to you.

Does the card have an annual fee?

It depends on the model. Some cards, like the Click, are free of annual fees, while others have an annual fee waiver with a minimum monthly spend. More robust cards, with miles or cashback, may have an annual fee, but it's usually offset by the benefits offered.

It's important to read the terms and conditions at the time of purchase and, if there's no automatic waiver, negotiate with the bank after using the card — Itaú is usually flexible with customers who actively use the product.

How long does it take for the card to arrive?

After approval, the virtual card is issued instantly. You can register it with Google Pay or Apple Pay and make online or contactless purchases. The physical card usually arrives within 10 business days at the address provided during the application.

All tracking can be done through the Itaucard app, where you can also generate invoices, view your credit limit, prepay, and even pay for purchases in installments.

Tips to increase your chances of approval

If you want to know How to apply for a pre-approved Itaú Credit Card And to have a better chance of acceptance, some simple actions can make a difference:

  • Get your CPF (Brazilian taxpayer ID) in order., with no outstanding debts.
  • Keep your registration information updated with Serasa and Boa Vista.
  • Avoid applying for too many loans in the short term.
  • Use digital accounts and transaction logs that track your financial behavior.
  • Pay bills and invoices on time — this habit is taken into account in automated analyses.

Furthermore, if you have any job offers from Itaú associated with your CPF (Brazilian tax identification number), don't delay in accepting them. These opportunities have an expiration date and may be withdrawn if your profile is reassessed later.

Is the Itaú credit card any good?

Yes, the Itaú credit card is one of the most complete on the market. The variety of models, the benefits of the Mastercard brand, and the robustness of the app make it a reliable and efficient choice. Even for those who already have another card, Itaú can be an additional credit option or even a more advantageous switch.

See also: How do I request a pre-approved PicPay Credit Card?

May 9, 2025