Switching credit cards without losing points: 7 maneuvers that work

The real step-by-step to cancel, upgrade, or migrate banks without letting a thousand, ten thousand, or a hundred thousand points evaporate in the transition

1. Switching credit cards without losing points: 7 maneuvers that work

   The real step-by-step to cancel, upgrade, or migrate banks without letting a thousand, ten thousand, or a hundred thousand points evaporate in the transition

2. Why this problem exists

   Brazilian credit cards have a trait that American cards don't share with the same intensity: most points are **tied to the card, not to you**. Cancel the card, lose the points. Switch banks, lose the

3. The rule nobody tells you first

   The right question isn't "how do I avoid losing the points." It's **"where are the points right now?"**. There are two types of points balance: 1. **Points inside the bank** (e.g., Pontos Itaú, Pontos

4. Maneuver #1

   It's the safest maneuver and the first you should try. **How it works:** 1. Identify the coalition program tied to your card (Livelo at Itaú/Bradesco/BB, Esfera at Santander, Smiles/LATAM Pass via par

5. Maneuver #2

   If you're in a hurry to cancel and there isn't time to transfer, or the balance is sitting in a program with no good exit route, **redeem first**. The logic is mathematically simple: - Points at zero

6. Maneuver #3

   You don't want to switch banks. You want to switch cards **within** the bank (Black → Visa Infinite, Gold → Platinum, Personnalité → Itaú One). In that case, in the vast majority of cases the points m

7. Continue lendo

   The real step-by-step to cancel, upgrade, or migrate banks without letting a thousand, ten thousand, or a hundred thousand points evaporate in the transition