The Lojas Americanas Card helps you save money on your daily purchases through exclusive discounts and flexible payment options.
It offers benefits such as cash back, installment plans, and access to exclusive in-store promotions.
This guide explains how to apply for the card and begin enjoying its benefits immediately.
About the Lojas Americanas Card
The Lojas Americanas Card is issued in partnership with Banco Cetelem, providing you with access to special discounts and flexible payment options.
It can be used both in Lojas Americanas stores and anywhere that accepts Visa or Mastercard.
Types of Lojas Americanas Card
There are several versions of the Lojas Americanas Card designed to meet different shopping needs.
Each type offers unique advantages depending on how and where you make your purchases.
- Lojas Americanas Nacional Card – for use in stores and on the official website within Brazil.
- Lojas Americanas Internacional Card – allows purchases abroad and on international websites.
- Lojas Americanas Itaucard (Co-branded) – combines store benefits with Itaucard’s broader credit network.
- Lojas Americanas Digital Card – virtual version for secure online transactions.
Main Features
This card includes several useful features designed to make shopping more convenient and secure.
Each one offers a distinct advantage that helps you manage your purchases more effectively.
- Nationwide and Online Use: Accepted in physical stores and e-commerce platforms across Brazil.
- Flexible Credit Limit: Adjusts based on your financial profile and repayment history.
- Digital Account Access: Manage your balance, payments, and statements through the app or online portal.
- Installment Options: Split purchases into multiple payments, often with no added interest.
- Security Protection: Includes purchase alerts, fraud monitoring, and secure transaction verification.
- Virtual Card Option: Allows safe online shopping without exposing your physical card details.
Basic Eligibility Requirements
Before applying, you must meet certain basic conditions to qualify for approval. These requirements help ensure you can manage credit responsibly.
- Must be at least 18 years old.
- Have a valid CPF (Cadastro de Pessoa Física).
- Present proof of income and proof of residence.
- Maintain a clean credit history without restrictions.
- Have a valid ID document such as RG or CNH.
Benefits and Discounts
This card offers several advantages that help you save more and shop smarter.
You can access discounts, cashback, and exclusive promotions both online and in stores.
- Exclusive Store Offers: Get lower prices and special deals at partner stores and on the official website.
- Cashback Rewards: Receive a portion of your spending back during selected campaigns.
- Interest-Free Installments: Pay in multiple installments without added interest on specific promotions.
- Priority Sale Access: Enjoy early entry to major sale events, including Black Friday.
- Partner Network Discounts: Access reduced prices at affiliated brands and services.
- Loyalty Points: Earn points on every purchase and redeem them for products or discounts.
Fees and Charges
Understanding the specific rates and fees helps you know exactly what to expect when using your card.
These figures may vary slightly depending on your card type and issuer updates.
- Annual Fee: R$156.96 per year (charged as 12 monthly installments of R$13.08).
- Replacement Card Fee: R$22.00 for issuing a new card if the original is lost or damaged.
- Emergency Credit Limit Review: R$18.90 when requesting a temporary limit increase.
- Revolving Credit Interest: Up to 18.99% per month when carrying a balance instead of paying in full.
- Installment Purchase Interest: Around 1.99% per month for long-term installment plans.
- Cash Advance Fee: About R$13.90 for each withdrawal made using the credit card.
How to Apply for the Card
Applying for the Lojas Americanas Card is simple and can be done online or in-store.
You only need a few documents and a short verification process to get started.
- Step 1 – Visit the Official Website: Go to the Lojas Americanas Card application page and click “Apply Now” (Solicitar Cartão).
- Step 2 – Fill Out the Form: Enter your full name, CPF, birth date, and contact details accurately.
- Step 3 – Submit Required Documents: Upload or present proof of income, residence, and a valid ID.
- Step 4 – Wait for Approval: The review process usually takes a few business days.
- Step 5 – Receive Your Card: Once approved, your physical card is delivered to your address, and you can activate it online or through the mobile app.
- Step 6 – Start Using It: After activation, you can make purchases in-store, online, and enjoy available discounts.
Managing Your Card
Once approved, managing your card is easy and convenient through online tools and the mobile app.
You can track expenses, check balances, and make payments at any time.
- Online Account Access: Log in to your digital account to view statements, payment history, and available credit limit.
- Mobile App Management: Use the app to pay bills, monitor transactions, and get real-time notifications.
- Payment Options: Pay your monthly bill through bank transfer, app, or at authorized payment centers.
- Statement Tracking: Review your spending habits and plan payments to avoid interest charges.
- Customer Support: Contact our helpline or chat support for billing questions or issues related to a lost card.
- Security Controls: Enable alerts for purchases and set spending limits for safer card management.
Security and Privacy Features
Your financial safety is a top priority when using this card. Several built-in features help protect your personal data and prevent unauthorized transactions.
- Fraud Monitoring: Detects unusual activity and alerts you immediately.
- Two-Factor Authentication: Adds an extra verification step when logging in or making payments.
- Transaction Alerts: Sends instant notifications for every purchase or withdrawal.
- Data Encryption: Keeps your account information secure during online transactions.
- Virtual Card Option: Lets you shop safely online without exposing your physical card number.
- Lost or Stolen Card Support: Easily block and replace your card through the app or by contacting customer service.
Tips to Maximize Benefits
You can maximize the benefits of your card by using it strategically during promotions and managing your payments wisely.
These tips help you save more and take full advantage of available offers.
- Shop During Sales Events: Use your card during major promotions, such as Black Friday or anniversary sales, to receive higher discounts.
- Combine With Coupons: Apply digital coupons or app-exclusive codes for extra savings.
- Pay in Full Each Month: Avoid interest by clearing your balance before the due date.
- Track Cashback and Points: Regularly check your rewards balance and redeem points for discounts or products.
- Use the Mobile App: Manage your spending, monitor offers, and receive exclusive promotions directly through the app.
- Stay Updated on Campaigns: Subscribe to newsletters or enable notifications to never miss special deals.
Customer Support and Contact Information
If you need help with your card or have questions about your account, several official support channels are available.
You can contact the service team by phone, email, or online to resolve issues quickly and securely.
- Phone (central and card services): 4004-7990 for capitals and metro areas; 0800-704-1166 for other localities
- SAC (Customer Service): 0800-286-8877 (for general support, complaints, cancellations)
- Ouvidoria (Ombudsman): 0800-722-0401 (for unresolved cases)
- Telephone (general / Americanas): 4003-4848 (capitals, metro) / 0800-229-4848 (Rio de Janeiro) / 041 (11) 4003-4848 (other areas)
- Email / Website contact: atendimento.acom@americanas.com for SAC / general service via web contact form
- Ouvidoria address (for letters): Rua Sacadura Cabral, No. 102, Saúde, Rio de Janeiro, CEP 20081-902
To Sum Up
The Lojas Americanas Card offers convenience, savings, and access to exclusive deals for frequent shoppers.
By managing your payments responsibly, you can make the most of its discounts and rewards.
Apply today through the Americanas app and start enjoying smarter, more affordable shopping.
