Many people who use their credit card a lot are always looking for the best points program according to their needs and possibilities. Some of the main reward programs have confusing conversions or unclear regulations, which means people have to investigate what really offers them without falling into traps or avoiding choosing a rewards program that isn't worth it.

For these reasons, the Insider website brings you some posts about which are the best market point program options. In today's post we are going to talk about Livelo, one of the best-known point programs associated with traditional banks such as Banco do Brasil and Bradesco.

However, customers of other banks can also accumulate Livelo points through purchases at partners such as Ponto Frio, Lojas Renner, Americanas, Hurb and Netshoes. By purchasing at these stores it is possible to earn Livelo points and exchange them for sales, products or services.

In summary, so that you can learn a little more about all this, in this text we will explain how Livelo works and what are the advantages of using this points program.

¿Listo?

Livelo is a points program created by banks Bradesco and Banco do Brasil in 2016 to change the way in which these banks relate to their customers through points programs. With this program you can buy products with your points and even trips, as is common in other point programs and mileage systems.

Livelo's points vary depending on the brands and the way in which the points are accumulated. Furthermore, the type of card also has an influence. For example, a Platinum card (with higher annual fees) will undoubtedly accumulate more Livelo points than a Gold card. Therefore, it might be worth checking which type of card is best suited for what you plan to do with your Livelo points.

It is important to remember that, like most credit card points and rewards programs, Livelo conversions are linked to the dollar. Therefore, it is important to consider the conversion and fluctuations of the dollar before opting for this points program.

Livelo works with Bradesco cards across the brands American Express, Elo, Visa and Mastercard. For all these brands, the scoring and purchase point conversion system is quite similar and we have it all organized in one table so that it is easier to view 🙂

In the Banco de Brasil “Point for You” program, it is possible to transfer points to the Livelo program. Unlike Bradesco, points are not associated in the same way according to cards directly with Livelo.

Banco de Brasil offers its customers the option of choosing which points program they prefer. Therefore, the points described below are related to the Punto Pra Você program that can be converted into Livelo points, accordingly?

Through the Banco do Brasil Internet Banking application, it is possible to carry out the automatic conversion of points to Livelo. Therefore, if you consider that Livelo is the best points program option for you, do not forget to activate this option after completing your registration.

There are still other credit cards where you can accumulate Livelo points, among them is the Digio bank card, a good option for those who want to have a digital account and accumulate Livelo points with a credit card.

In this case, adhesion is not automatic, but optional. The Digio card does not charge an annual fee for its issuance, but if you are interested in joining the Livelo program through your purchases with the Digio International Visa card in the credit function, you will have to choose between the 3 Digio membership plans. For all of them there is a fixed monthly fee of R$ 4.90, plus a percentage of the value of your invoice. In these plans, you can choose if you want the conversion to be in dollars or reais, for example. Normally, the percentages are between 1.5% and 3% of the total value of the monthly bill.

Some online stores allow you to accumulate Livelo points through purchases on hotsites. For these to be believed, it is necessary to make purchases on the correct link for Livelo customers.

The number of points obtained in these stores varies considerably, from 0.33 points for every 1 real spent to 10 points for every real spent, depending on the member.

Livelo's partners are very recognized stores both in the virtual world and in the physical world. Here we present a list of the main stores where you can earn Livelo points when purchasing:

Magazine Luiza Netshoes Movida – Car Rental Polishop Rentcars.com Sony Americanas.com, Shoptime and Submarino (B2W Group) Zattini

Therefore, it is clear that the Livelo program can be advantageous for many customers who use their credit card for any purchase. An additional annual fee (such as being charged for joining points programs) could be worth a lot at the end of the year, where with the accumulated points, you can pay for trips and other benefits.

Therefore, consider your monthly spending habits and whether it is worth joining a points program. If you have any of the cards we mentioned in the text and spend more than 2,000 reais per month, it might be worth starting to think about an option between Livelo, Nubank Rewards or Itaucard Semper Presente.

If you want to know more about credit cards, digital accounts and other financial market news, don't hesitate to follow our publications. Next, we present you with some suggested themes so that you don't miss anything, according to you? See you next time!