In a move that signals both global ambition and sensitivity to the needs of an expanding audience, Inter, the Brazilian-born financial super app, has announced the launch of the Inter Passport Credit Card, a no-annual-fee credit card designed for U.S. residents. More than a simple product offering, the launch represents the digital bank’s attempt to establish firm roots in one of the world’s most competitive and sophisticated financial markets — the American credit system.
For many immigrants and young professionals in the United States, building a credit history is an arduous and often exclusionary process. Inter’s new card seeks to bridge that gap by combining accessibility, premium benefits, and financial education tools. The result is a proposal that blends convenience and strategy, targeting consumers who value simplicity, rewards, and a global brand that speaks their language.
A Card Designed for Those Just Starting Out
The Inter Passport Credit Card was created with a clear purpose: to democratize access to credit. The product is aimed at customers with a valid SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number) — including newcomers to the U.S. who are still building their financial profiles.
“The credit card for U.S. residents is a product that will expand access to credit, rewards, and exclusive experiences for thousands of people — especially young adults and immigrants who are building their financial identity,” said Ray Chalub, COO of Inter in the United States. “We want to be our customer’s top-of-wallet choice, offering all the possibilities for different stages of their life.”
Applications are fully digital and can be completed through the Inter app, available in English, Portuguese, and Spanish — reinforcing the company’s focus on multicultural audiences. The card, issued under the Mastercard network, is accepted in more than 150 countries and includes both credit and debit functions, with separate cards issued for each.
Benefits That Go Beyond Finance
Inter positions the Passport Credit Card not just as a payment method, but as a brand experience. Cardholders will gain access to a suite of exclusive perks that blend the physical and digital worlds.
Among the key benefits are the Inter Loop points program, which rewards users for every purchase and allows them to redeem points for products or travel; cashback with major brands like Amazon, Nike, and Uber; and a collection of premium experiences that reflect Inter’s strategy of building a lifestyle ecosystem, rather than simply a financial product.
Cardholders can also enjoy exclusive events and tickets at Inter&Co Stadium in Orlando, free bike rides with Inter Bikes in Miami, discounts at Inter Café, and VIP access to events at The Underline, a cultural space in Miami.
With this mix of benefits, Inter seeks to stand out from traditional banks and local fintechs, betting on the fusion of mobility, entertainment, and finance — a concept the brand successfully pioneered in Brazil.
A Market Comparison: Inter vs. Traditional Cards
In the U.S. credit landscape, no-fee cards remain the exception rather than the rule. Most issuers charge between USD 50 and USD 95 per year, particularly for entry-level cards. Additionally, many require security deposits, a common practice that limits access for new consumers.
The Inter Passport breaks that mold. It offers no annual fee, no security deposit, and a range of lifestyle and experiential benefits rarely seen in this category.
A direct comparison with major entry-level credit cards available in the U.S. highlights the difference:
| Feature | Inter Passport | Traditional U.S. Cards |
| Annual Fee | Free | Up to USD 95/year |
| Security Deposit | Not required | Common for starter cards |
| Exclusive Benefits | Inter Café, Inter Bikes, VIP Events | Rare |
| Languages Available | English, Portuguese, and Spanish | Primarily English |
The combination of accessibility, unique perks, and multilingual support positions the Inter Passport as a globally appealing product with a clear focus on the multicultural consumer base of the United States — a fast-growing segment seeking alternatives beyond the traditional banking system.
A Strategic Step into the U.S. Financial Market
Inter’s entry into the American credit market is not just a commercial expansion — it’s a strategic move. By offering a product tailored to immigrants and young professionals, the bank expands its international footprint and strengthens its image as a truly global super app.
The choice of Miami and Orlando as flagship cities for on-the-ground experiences — with cafés, bikes, events, and cultural spaces — reflects a deliberate focus on the rising, economically active Latin population. The goal is clear: to transform Inter into a financial and lifestyle ecosystem, where customers experience the brand throughout their daily lives.
This model aligns with a growing trend of “experience-driven banking”, in which institutions go beyond financial services to create emotional connection and practical value in users’ routines.
The Future of Inter Passport
The launch of the Inter Passport Credit Card solidifies the bank’s status as one of the few Latin American players competing directly in the U.S. credit market.
Leveraging its digital expertise and a strategy centered on tangible benefits, Inter is betting on steady, sustainable growth — prioritizing trust and customer engagement over short-term expansion.
The formula it proposes — accessible credit, real rewards, and a global brand — could prove transformative in a market where customer loyalty is increasingly built on experience rather than rates.
Ultimately, Inter isn’t just launching a card — it’s testing a concept: that financial access and cultural belonging can coexist in the same product.
And if the bet pays off, the Inter Passport may become more than just a card — it could become a gateway to a new era of global finance.
