Request the Nubank credit card Nubank is now easy, fast, and accessible. With just a few taps on your phone, you can apply directly through the app and, if approved, start using your credit limit immediately. Nubank is known for simplifying financial services, and this starts with the application process: no queues, paperwork or bureaucracy.

If you're looking for more convenience and control over your finances, understanding how this process works can be the first step toward gaining more autonomy with a fully digital card. And the best part: even those with a negative credit history or a short credit history can find viable options, such as card with guaranteed limit.

Who can apply for the Nubank card?

First of all, it's important to know if you meet the basic criteria to apply for the card. Nubank allows anyone over 18 years old, Regular CPF and one cell phone with internet access can make the request.

Additionally, the application is available for both Android and iOS, and you don't need to be an existing customer to make a request. Just download the app and follow the instructions.

Another positive point is that proof of minimum income is not required. The analysis is performed in a personalized manner, based on the data provided and external sources that assess your current financial behavior.

Step by step guide to requesting the card through the app

The process is done entirely via mobile and takes just a few minutes. See how simple it is:

1# Download the Nubank app
Access your phone's app store and search for "Nubank." Install the official app, which has the purple logo with the letters "nu."

2# Tap “Request Invite” or “Get Started”
When you open the app, you'll see the option to register. Tap it to start filling out the form.

3# Enter your personal data
You will need to fill in information such as full name, CPF, email, phone number and date of birth.

4# Create a password for your account
This password will be used to access the app in the future. Choose something secure and easy to remember.

5# Send a photo of your document
This can be your ID or driver's license. Simply take a photo using the app itself. In some cases, you'll also need to send a selfie to confirm your identity.

6# Complete the submission and wait for analysis
After filling out all the information, Nubank will analyze your profile. This step can take anywhere from a few minutes to a few days, depending on demand.

If you are approved, the physical card will be mailed to your address, but the virtual card is now available in the app for immediate use.

What if I don't get approved the first time?

Not everyone gets approved on the first try, but that doesn't mean it's the end. Nubank offers the option to create a free digital account, even if the credit is not released immediately.

Over time, by using this account—paying bills, receiving Pix, saving money—you improve your relationship with the institution and may receive a credit offer in the future.

Another possibility is to use the card with guaranteed limit, which we will talk about next.

Card with guaranteed limit: an alternative for those with bad credit

If your name is restricted or you have never had a card before, you can opt for Nubank card with guaranteed limit. It works like this:

  • You reserve an amount from your Nubank account, for example, R$300.
  • This amount becomes your credit limit.
  • You can use the card normally for cash or installment purchases.
  • When you pay the bill, the limit becomes available again.

This is a great way for those with bad credit to start rebuilding their credit history, as the card has the same features as a traditional product: it can be used on any card reader, allows online purchases, and can be fully controlled via the app.

What are the benefits of the Nubank credit card?

Besides being easy to apply for, the Nubank card offers several advantages that make your daily financial life more practical. Here are some of the benefits that make a difference:

  • Zero annual fee: You don't pay any monthly fee to keep the card.
  • Full control via the app: invoice consultation, limit changes, blocking and unblocking, all via your cell phone.
  • Virtual card available instantly: ideal for secure online shopping.
  • Benefits program (optional): Nubank Ultravioleta, for example, offers cashback and other benefits.
  • Fast and humanized service: chat support is one of the most praised on the market.
  • Limit increase over time: As you pay your bills on time and use your card responsibly, Nubank may offer automatic limit increases.

How long does it take for the card to arrive?

After approval, the physical card usually arrives in up to 10 business days. In the meantime, you can already use the virtual card, which appears within the app as soon as the request is approved.

The virtual card works just like a physical one: it has a number, expiration date, and security code. You can use it in online stores, delivery apps, streaming services, and more.

What if I have questions during the process?

The app itself has a help center with frequently asked questions and step-by-step tutorials. You can also contact us via the in-app chat, which is open 24/7.

The service is known for being direct, without pushy robots and with a team trained to resolve issues in a practical and human way.

Is it worth applying for the Nubank card?

If you are looking for ease, financial control and freedom of choice, the Nubank card can be a great option. Applying is quick, tracking is done directly through the app, and you have complete transparency over your bill and limits.

Even if your credit score is negative, a credit card with a guaranteed limit could be the financial boost you need. No surprises, no fine print, and complete security.

See also: Got a bad credit score? Loans of R$1,500 or more available

April 14, 2025