In 2025 there are two relevant “C&A cards” in Brazil: the C&A Pay and the legacy C&A Bradescard.
In June 2025, C&A ended its partnership with Bradesco/Bradescard and repurchased the financial services operation, gaining autonomy.
Existing co-branded cards remain serviced under the legacy portfolio, while new issuance focuses on C&A’s platform.
What You Get: Main Advantages
C&A emphasizes special installment options for fashion purchases; conditions can change by campaign, product, and store.
Welcome discount & promos
C&A frequently grants 10% off on the first purchase with its card products and promotes exclusive in-store/online offers for cardholders.
Campaigns typically advertise installments up to 5× without interest, or 8 fixed installments with interest, and occasionally “100 days to pay.”
For specific categories (like electronics), you may find up to 10× installments. Terms vary by campaign and channel.
Legacy co-branded perks (for existing cardholders)
If you still carry a C&A Bradescard, typical benefits historically included 10% off on first purchase, installment options, and partner discounts.
These remain tied to the legacy portfolio and card-brand programs; check your issuer’s app for current benefits.
Types of “C&A Card” in 2025
C&A Pay is presented as a zero-annual-fee, 100% digital card with dedicated benefits and service flows.
C&A Pay (private-label, digital)
Issued and managed by C&A’s financial operation, C&A Pay works in C&A channels (stores, website, app)
Offers immediate digital issuance, no annual fee, and its tariff table for financing/revolving credit.
C&A Bradescard (legacy co-branded)
These cards were issued under C&A’s former partnership with Bradescard and operate on card networks (e.g., Visa).
After the 2025 transition, new co-branded issuance through C&A’s channels is not the focus; existing cardholders continue to be serviced by the legacy issuer.
Interest Rates and Fees
Recent materials typically show rotating credit (“rotativo”) in the ~17.99%–19.99% per month range
Invoice installment (“parcelamento de fatura”) around 15.49%–17.49% per month, late-payment interest of 1%/month, late fee of 2%
Exact figures can vary by period; review the current tariff in the app or website before using revolving credit or invoice installments.
Because rates vary by product and date, legacy C&A cardholders should refer to the issuer’s official channels or app for the current month’s values.
Tip: Brazil’s card interest is highly variable and subject to regulation and campaign changes. Always confirm the most recent tariff before contracting credit.
Step-by-Step: How To Request Your C&A Card
Go to the official page or app. Access the C&A Pay area on the C&A website or download the C&A Pay app.
Start your application. Just complete your profile with personal data and ID images as requested.
Await instant analysis. C&A conducts a quick credit review and, if approved, releases a digital card in the app (no annual fee).
Shop with your digital card. Buy online or in stores with special installment options and welcome discounts when active.
Already Have a Legacy C&A Bradescard?
You don’t need to apply again.
Keep using your card under the legacy issuer’s servicing and consult the Bradescard/C&A numbers for support or rate information.
Because the C&A–Bradescard partnership ended in 2025, new co-branded issuance may not be available through C&A’s current channels.
Contacts and Bank Address
C&A Pay (current platform)
- Customer Service (Capitals/Metro): 4090-1001
- Customer Service (Other regions): 0800 000 4335
- WhatsApp (service & billing): (11) 3585-2950
- Ombudsman (“Ouvidoria”): 0800 374 6012 (Mon–Fri, 10:00–16:00, national holidays excluded)
Legacy C&A Bradescard (co-branded)
- Customer Service (Capitals/Metro): 4004-0127
- Customer Service (Other regions): 0800 701 0127
- SAC (complaints/cancellations): 0800 730 5030
- Hearing-impaired line: 0800 722 0099
(Availability and hours per issuer.)
Corporate/issuer address (C&A headquarters and C&A Pay SCD)
Alameda Araguaia, 1.222 – Barueri/SP – CEP 06455-000 (C&A Modas S.A. head office; C&A Pay SCD communications commonly reference this address.)
Practical Tips Before You Apply
If you mainly shop at C&A, C&A Pay (no annual fee) often suffices. If you own a legacy co-branded card, keep an eye on network-brand perks and issuer rates.
Check current campaigns. Welcome discounts, maximum interest-free installments, and extended terms may differ between stores, the app, and the website.
Confirm conditions at checkout or with staff.
Avoid revolving balances. The tariff indicates very high monthly rates on the revolving and invoice installment lines.
Pros and Cons
Pros
- No annual fee (C&A Pay). The current in-house card is 100% digital and doesn’t charge an annual fee, which keeps ongoing costs low if you pay bills on time.
- Welcome discount & periodic promos. First-purchase discounts and card-only offers can make initial and seasonal buys cheaper.
- Installment flexibility. Frequent access to interest-free installments for fashion purchases, plus longer fixed-installment plans when available, helps with budgeting large baskets.
- Instant digital issuance. Approval (when granted) releases a digital card in the app, so you can start using it quickly online or in stores.
- Centralized app management. Limits, invoices, and service are handled in one place, with WhatsApp/SAC support channels available.
- Legacy network reach (old co-branded cards). Existing C&A Bradescard Visa/Elo/Mastercard versions work broadly outside C&A, so holders can use them anywhere the network is accepted.
- Occasional partner perks (legacy). Some legacy cards may still carry brand/network benefits (e.g., cinema or partner programs), which can add value beyond C&A purchases.
Cons
- Very high revolving and installment-of-invoice rates. If you don’t pay the full bill, financing costs can escalate quickly—this is not a card to carry balances on.
- Acceptance limits (C&A Pay). The in-house card is primarily for C&A channels; it’s not a general-purpose card for everyday spending across merchants.
- Campaign-dependent benefits. “10% off,” “100 days,” or “up to X× without interest” vary by campaign, channel, and product category—what you see today may not be available tomorrow.
- Transition complexity. Since C&A ended its Bradescard partnership and moved in-house, there are two realities: new users on C&A Pay and legacy users on old issuers. That split can create confusion about benefits, rates, and where to get support.
- Limited rewards breadth. Compared with many bank cards, there’s typically no broad points/cashback ecosystem for non-C&A spending (and C&A Pay isn’t meant for that).
Conclusion
The C&A Card ecosystem benefits from welcome discounts and installment flexibility, but users should monitor the tariff and avoid costly revolving balances.
If you already hold a legacy C&A Bradescard, your service remains under the legacy issuer; use the dedicated contacts above for assistance.
With the right product and payment discipline, the C&A card can be a practical tool for managing your wardrobe purchases on favorable terms.
Disclaimer: This article reflects information available as of August 19, 2025. Rates, benefits, eligibility, and channels may change at any time; always confirm the latest terms, tariff PDFs, and active campaigns in the official C&A Pay app or website before applying or financing purchases.
