Next is the digital banking platform of Banco Bradesco S.A. in Brazil.
Its Visa credit card portfolio—often featuring a Visa Platinum option—combines international acceptance, app-first controls, and progressive discounts.
Applications are completed inside the Next mobile app, with credit approval subject to analysis.
What The Next Card Is—And Who Issues It
Next operates as a digital front end, while credit operations and account maintenance are carried out by Banco Bradesco S.A.
Practically, this means you apply, unlock, and manage your card through the Next app, but your contractual counterparty for credit is Bradesco.
The arrangement matters for customer service, complaints channels, and regulatory oversight.
International acceptance (Visa)
Next issues on the Visa network, which is widely accepted in Brazil and abroad.
Eligible versions may include standard Visa benefits like purchase protections and travel assistance, subject to each program’s rules.
Progressive annual-fee discounts
Next typically offers an initial free period for the monthly fee and then charges a listed amount (commonly around R$49.00 per month).
The distinctive feature is the progressive discount model tied to monthly spending: at defined spend tiers, the discount increases and can reach 100%.
The exact thresholds and promotional conditions can change over time, so the authoritative reference is always the pricing table.
Rewards integration
In eligible configurations, the card accrues points in a partner program (such as Livelo), with earnings credited according to the program’s rules.
Redemptions vary by catalog and promotional campaigns.
Always check the points accrual rate and any currency conversion rules (for example, points per U.S. dollar spent) in your app or card terms before deciding.
App-first controls and security
You can block/unblock the card, manage limits, create virtual cards for online purchases, and receive real-time notifications—all in the app.
This centralizes control and reduces call-center dependency for routine tasks.
Rates, Fees, and How Interest Works
Next/Bradesco does not publish a fixed APR. The remuneratory interest rate is variable (set by profile and period) and appears on your monthly statement.
- Late-payment interest (juros de mora): 1% per month on the overdue amount.
- Late fee (multa por atraso): 2% on the overdue amount (charged once).
- IOF (financial tax): applies according to federal rules; shown on your statement.
- Monthly fee (anuidade): R$49.00/month after 5 free months at account opening or upgrade; progressive discounts tied to spending
How to Apply For the Next Card
Next is a mobile-first platform available for Android and iOS. Create or access your profile inside the app.
- In the card section, choose the option to apply for the credit function. The app will guide you through document capture and identity checks (selfie, ID images, and basic personal data).
- Next/Bradesco performs a credit review based on internal criteria and external data sources as permitted by law. If approved, you receive your initial limit and can immediately generate a virtual card for online purchases and digital wallets if available.
- Courier delivers the physical card. Unlock it and set your password in the app. All subsequent management—spending alerts, limit changes, installment simulations, and dispute initiation—happens in the app.
Eligibility and documentation tips
Keep your CPF, government-issued ID, and proof of address at hand; the app will indicate which documents to upload and how to frame them for automatic validation.
Ensure good lighting and a steady hand for the selfie and document photos; unclear images are a common reason for delays.
Enable app notifications so you see approval decisions and any requests for additional information right away.
How to Get The Most Value
Financing costs follow nationwide rules for credit cards in Brazil.
This includes a legal cap limiting the total amount of interest and fees on new revolving or installment debts to up to 100% of the original principal.
Plan to hit the fee-waiver tier
If your routine expenses rarely reach the required monthly spend, consider whether the card’s benefits compensate for paying the fee.
If they do not, it may be better to use a no-fee alternative or keep this card for targeted campaigns.
Redeem points wisely
Track special redemption promotions and compare “cents-per-point” value across categories.
Sometimes, travel partners or limited-time store deals offer a better return than catalog items.
Avoid revolving
If you must finance, simulate an installment plan inside the app and compare the CET—then set a concrete payoff plan.
Use alerts to avoid late payments.
Use virtual cards online
Virtual numbers lower exposure to fraud and allow you to manage recurring digital subscriptions without changing your physical card details.
Official Contact Channels
Customer Relationship Center (Central de Relacionamento): 0800 275 6398
SAC (Customer Service for complaints, cancellations, general info): 0800 722 6398
E-mail: falanext@next.b.br
Cidade de Deus, s/n, Vila Yara, Osasco – SP, CEP 06029-900
Corporate name: Banco Bradesco S.A.
Pros and Watch-Outs
Pros
- Clear path to 100% fee waiver when you meet the spending tier.
- Visa acceptance in Brazil and abroad, with potential Platinum-tier benefits.
- Strong app experience for real-time control, virtual cards, and alerts.
- Potential rewards via partner programs for added value.
Watch-outs
- If your spending falls below the required tier, the monthly fee applies after any promotional free period.
- Financing costs can become expensive despite the legal cap if you roll over multiple cycles.
- Rewards value depends on redemption choices; always compare alternatives.
Conclusion
The Next card is a practical option for users who want a mobile-first card under the umbrella of a major Brazilian bank.
The combination of Visa coverage, app controls, and potential rewards makes it competitive for everyday spending and online purchases.
To benefit fully, manage your limit actively, pay your statements in full, and review the fee table and financing terms displayed in your app at the time of contracting.
Disclaimer: This article is an informational summary based on publicly available product descriptions and general Brazilian credit-card rules. It is not financial advice. Terms, fees, interest rates, thresholds, and benefits can change without notice; your contract, monthly statement, and in-app disclosures prevail. Always verify current pricing, eligibility, and interest details in the Next app and with Banco Bradesco S.A. before applying or financing balances
