BB Americas Credit Card: Benefits, Options and How to Apply for Yours in the US

1. Why choose the BB Americas credit card?

BB Americas stands out for offering a card designed for Brazilians in the US. Key features include:

Bilingual service (Portuguese/English)
International acceptance (Visa® flag)
Analysis that considers financial history in Brazil
Option for those who have ITIN instead of SSN
Simplified process and humanized support
Integration with dollar checking account

It is the ideal choice for who is in financial transition between Brazil and the United States.

2. General benefits of the BB Americas card

The card offers a series of advantages for both everyday purchases and international purchases:

Globally accepted (Visa)
In-person, online and contactless shopping
Visa insurance and protection, such as purchase protection and travel assistance
Possibility of additional credit with good history
Online management via app and internet banking
Customer service in Portuguese

Additionally, the customer has access to points program, which can be converted into miles or awards.

3. Flexible credit for immigrants

Unlike many American banks that require a robust credit history and SSN, BB Americas allows you to:

Brazilians with ITIN (Individual Taxpayer Identification Number) request the card
The bank evaluates your banking history in Brazil (especially if you are a Banco do Brasil account holder)
Let there be flexibility in credit analysis, even for newcomers

This approach is ideal for those who are building or restarting your credit score in the US.

4. Complete management via the app and internet banking

With the BB Americas card, you have full control through the app:

Real-time balance and statement inquiry
Online invoice payment
View releases by category
Spending control and personalized limits
Temporary blocking and unblocking of the card
Invoice usage and due date alerts

The app is available at Portuguese, making everyday life easier for those who are still adapting to the American language and banking system.

5. Safety first

Security is one of the pillars of BB Americas. The card features:

Chip and contactless technology
24-hour anti-fraud monitoring
Suspicious Transaction Alert
Immediate blocking in case of loss or theft
Protection against unauthorized purchases

You can use your card with confidence inside and outside the US, including trips to Brazil.

6. Card types and available limits

BB Americas offers a standard card with Visa benefits, but the initial limit may vary depending on:

Monthly income analysis in the US or Brazil
Proof of movement in the BB Americas checking account
Credit score (when available)
Relationship with Banco do Brasil (Brazil)

The customer may, with time and responsible use, request limit increase or even upgrades to cards with more benefits, such as cashback and miles (when available in promotions).

7. How to apply for the BB Americas credit card

The process is simple and can be done 100% online, with support during all stages:

Step 1: Open a checking account with BB Americas

An account is a prerequisite to apply for the card. It can be opened online, even in Brazil, with basic documents (passport, proof of income, address, etc.).

Step 2: Request the card via app or website

After opening the account, the customer accesses the app or internet banking and requests the card under the “Credit Cards” option.

Step 3: Submit additional documents (if required)

The bank may request proof of income, ITIN, tax return, or bank transactions.

Step 4: Credit Analysis

The analysis takes into account your relationship with BB, balance, income and history.

Step 5: Card approval and sending

If approved, the card is shipped to your US address. Activation is done via the app or over the phone.

8. Tips to improve your chances of approval

✅ Keep an active balance in your BB Americas account
✅ Make regular transactions (deposits, transfers, debit card use)
✅ Present proof of income (even Brazilian)
✅ Use your ITIN correctly on forms
✅ Demonstrate a connection with Banco do Brasil (when you are an account holder)

These factors help the bank understand that you are a reliable client with growth potential.

9. International use and travel benefits

Because it is issued under the Visa banner, the BB Americas card can be used:

Us United States, in stores, markets, gas stations and services
In Brazil, in-person or online purchases
In international travel, with coverage in more than 200 countries
To hotel reservations, car rentals and purchases on foreign websites

Additionally, you can use it to make purchases in dollars without having to convert from reais, avoiding IOF of 6,38% and other fees on the international card issued in Brazil.

10. Points and rewards program (where available)

BB Americas may offer rewards programs, based on seasonal promotions, that allow you to:

Earn points per dollar spent
Exchange points for miles, cashback or products
Earn bonuses for usage or specific campaigns

It's always worth checking the official website or app to check active promotions and conditions.

Conclusion
THE BB Americas credit card is an excellent alternative for Brazilians looking for practicality, security and easier access to credit in the United States.

With bilingual support, an approval process tailored to the needs of beginners, and integration with a dollar account, it's an essential tool for living, shopping, and building a solid financial history in the US.

If you are planning to live abroad or already live in the US and want to a credit card that speaks your language and understands your story, BB Americas is the right choice.

ACCESS THE BANK HERE

Source of information: www.bbamericas.com/br/pessoal/cartao-de-credito/

Written by Dinho

Updated July 8, 2025

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