Caixa's Ourocard line is known for offering flexible options to business owners. The online process for the Ourocard business makes premium services accessible without leaving your workspace.
This guide shows what you get from the card, how to apply, and what to expect in terms of costs. You'll also see the full list of perks, fees, and support options.
What Is the Caixa Ourocard Business Card?
This card was created for companies that want financial control and reward potential in one place. You’ll manage payments and purchases across your business with credit and debit tools.
Caixa offers several Ourocard versions, including Elo, Visa, and prepaid options. All cards support online usage, cash withdrawals, and exclusive BB benefits.
Key Benefits for Business Users
Caixa designed this card to support business growth and simplify transactions. Below are the highlights that help justify the card’s usage and cost.
BB Corporate Benefits
You earn points every time you use the card for purchases. These points go into BB Empresas loyalty programs, which can be used for travel, services, or discounts.
Points can also be transferred to partner programs. The more you spend, the more you accumulate.
Progressive Discounts
The annual fee isn’t fixed forever. Caixa offers a progressive discount model depending on your monthly spend.
If you spend more with the card, your annual fee could reduce automatically. It rewards usage and makes the card more cost-effective.
Financial Management
Track spending and purchases through the Caixa app or terminals. The system updates in real-time, helping you analyze company spending.
You can monitor employee use and set spending limits when needed. Expense reports and detailed billing support better decision-making.
Practicality and Worldwide Access
Cards are accepted globally, including for foreign transactions. You can withdraw cash or transfer funds when needed.
The card supports both credit and debit use. That makes it easier to manage payments in any situation.
Long Payment Terms
You can defer payments for up to 40 days interest-free ,depending on your billing cycle. Some cards allow a 6-month waiver before annual fees apply.
This flexibility is ideal when managing variable business income. Caixa gives you breathing room to focus on operations.
Who Should Apply for the Ourocard Business Card?
This card targets business owners and entrepreneurs who want financial tools that scale with them. Eligibility varies slightly by version but follows the same logic.
Best for Small and Mid-Size Businesses
Companies with consistent monthly cash flow benefit from installment control. Business owners who travel often will enjoy insurance and lounge access on higher-tier cards.
The Visa and Elo versions are ideal for national and international use. Prepaid versions work well for employees or controlled budgets.
Optional Employee Cards
You can request supplementary cards for employees. These cards can have monthly limits.
It helps control operational expenses by department or task. Caixa also allows consolidated invoicing.
Application Process
Applying online is fast and doesn’t require going to the bank. You need to prepare a few documents and complete a quick digital process.
- Start with the bank website or the CAIXA app to access the application.
- Visit the official website: caixa.gov.br.
- Click "Cartões" and choose your desired Ourocard Business option.
- Log in with your CAIXA credentials or register if new.
- Complete the form with business data, including CNPJ and billing address.
- Upload proof of business income and ID documents.
- Confirm and submit your request. Await approval via email or phone.
Fees, Interest Rates, and Conditions
Each Ourocard option has its own annual fee and pricing tier. The Visa Infinite and Elo Grafite have higher fees with premium services.
Annual Fees (Examples)
Understanding the card's fees helps you evaluate its long-term financial impact. Here's a breakdown of the most common annual fee structures by card type.
- Ourocard Empresarial Elo: R$13.83/month (R$166 total)
- Ourocard Empresarial Elo Grafite: R$25/month (R$300 total)
- Ourocard Empresarial Visa: R$16/month (R$192 total)
- Ourocard Cooperative: R$22.50/month (R$270 total)
- Prepaid or Entrepreneur cards: No annual fee
Interest and Installments
Knowing the interest rates and installment terms helps you plan your repayments better. Here's how Caixa handles credit charges, late fees, and payment flexibility.
- Revolving credit interest: From 9.99% to 13.99% per month
- Late payment fee: 2% plus daily interest
- Installment purchases available up to 48x at selected merchants
- No interest for 40 days if the full balance is paid by the due date
Insurance and Protections
Caixa offers business insurance coverage bundled with some cards. This includes purchase protection, extended warranty, and more.
- Travel insurance for business trips
- Purchase protection against theft or accidental damage
- Extended warranties on eligible items
- Car rental coverage for corporate travel
Available Card Variants
Each card version is tailored for a specific business profile. Here’s a quick rundown:
Ourocard Empresarial Elo / Elo Grafite
Both offer points in the BB Benefits Program. Grafite offers Elo Flex, allowing custom benefits.
These include lounge access and exclusive insurance bundles. Accepted internationally and has premium features.
Ourocard Empresarial Visa
Suited for everyday business spending. Earns points, includes full online banking support, and has a solid network of acceptance. Offers flexibility for growing businesses.
Ourocard Entrepreneur and Prepaid
Entrepreneur Visa: For sole proprietors. Includes banking and credit tools with no annual fee.
Prepaid Visa: Doesn’t require credit analysis. Best for team control and task-specific spending.
Ourocard Travel and Cooperative
Travel: Used for booking flights and accommodation for teams.
Cooperative: Designed for cooperatives with higher transaction volumes and financing needs.
Contact Support
Caixa provides dedicated support for business customers. You can call 4004 0104 (capitals) or 0800 104 0104 (other regions).
There's also WhatsApp support via 0800 726 0104. For email or help forms, visit caixa.gov.br.
Final Thoughts: Why the Caixa Ourocard Business Stands Out?
This card gives your business access to loyalty programs, financial control, and global tools. The ourocard business applies an online system that makes the whole process fast and paperless.
Flexible fees, installment plans, and insurance make it more than a payment tool. It’s a business partner built into a card.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Caixa before applying or using the card.
