Black and Infinite credit cards are often seen as exclusive products reserved for high-income individuals. However, in 2025, several banks and fintechs are offering these premium cards with no annual fees — making them more accessible than ever. In this post, we’ll explore the easiest options to get approved for and the strategies to maximize their benefits.
1. Understanding Black and Infinite Cards
Before applying, it’s essential to know what these cards offer:
- High credit limits
- Premium benefits like airport lounge access, concierge service, travel insurance, and exclusive rewards
- Luxury brand association that can help with status and perks in multiple industries
In 2025, fintech competition is pushing issuers to offer these benefits without traditional fees.
2. The Easiest Black and Infinite Cards to Get in 2025
Here are some of the most accessible options that waive annual fees while still offering premium features:
a) C6 Bank Carbon (Black) – Brazil
- Annual fee: Free for customers meeting minimum spending or investment requirements
- Benefits: LoungeKey access, insurance, and international purchase advantages
- Approval: Moderate — income verification required, but fintech flexibility helps
b) Nubank Ultravioleta – Mastercard Black
- Annual fee: Waived for customers spending above a threshold or investing in Nubank’s partners
- Benefits: Cashback credited daily, lounge access, insurance coverage
- Approval: Easier than traditional banks if you have a good payment history
c) Santander Unlimited – Mastercard Black / Visa Infinite
- Annual fee: Free for clients with investments or salary transfers
- Benefits: Priority Pass, travel insurance, concierge
- Approval: Best for customers already with the bank
d) XP Visa Infinite
- Annual fee: Zero, permanently
- Benefits: Cashback credited into investment account, exclusive events, travel perks
- Approval: Requires account opening, but no strict income proof
3. Tips to Get Approved for a Premium Card With No Annual Fee
- Build your credit score: Pay bills on time and keep utilization low
- Show banking relationship: Have investments or salary payments with the issuer
- Leverage fintechs: Many are less strict than traditional banks
- Meet spending goals: Some cards waive fees if you reach a monthly or annual amount
4. Why Choose a Black or Infinite Card Without Annual Fees?
- Cost savings: You avoid paying up to $500/year in fees
- Premium perks for free: Access luxury benefits without extra cost
- Better purchasing power: Higher limits for business or personal expenses
- Travel upgrades: Airport lounges and insurance for free
Conclusion
In 2025, you no longer need to be ultra-rich to enjoy the benefits of a Black or Infinite credit card. With the rise of fintech banks and new competition, it’s easier than ever to get one without paying an annual fee — as long as you meet spending, investment, or banking relationship requirements.
By choosing the right card and using it strategically, you can enjoy luxury-level perks for free.
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