Frequent flyers across the globe value tools that convert everyday purchases into premium cabin seats.
The LATAM Pass Black Mastercard issued by Itaú delivers exactly that, pairing rich mileage accrual with lounge privileges and upgrade certificates that make every journey smoother.
Why the LATAM Pass Black Card Stands Out
This top-tier product targets travelers who rely on LATAM Airlines and want airport advantages that feel immediate, not theoretical.
You earn miles on every swipe, skip check-in lines, and relax inside LATAM or Mastercard lounges worldwide without paying extra entry fees.
Snapshot of Core Features
Get a high-level view of what the card does before diving deeper into the details that follow.
- Mileage rates: 2.5 miles per USD on domestic transactions, 3.5 miles per USD on international charges
- Welcome bonus: 20,000 to 40,000 LATAM Pass miles after meeting early-spend targets
- Upgrades: Six domestic and two international cabin upgrade coupons each membership year
- Lounge access: Unlimited entry for you plus one guest in LATAM and Mastercard Black lounges when flying LATAM
- Annual fee: R$105 per month, fully waived by spending R$20,000+ monthly (50 percent discount above R$10,000)
- Mastercard Black extras: DoorDash credits, Lyft rideshare rebates, HelloFresh discounts, ID-theft monitoring, and zero liability protection
Pros and Cons at a Glance
The quick reference below helps decide if the card suits individual travel patterns.
| Advantages | Limitations |
| Aggressive mileage accrual, especially overseas | High minimum income threshold |
| Complimentary lounge entry for cardholder plus guest | Full monthly fee applies under R$10,000 spend |
| Upgrade vouchers and priority services on LATAM flights | Premium benefits focused on one airline alliance |
| Waived foreign transaction fees | Revolving balance carries steep APR |
Mileage Earning Power: Turn Spending into Free Flights
Strong mileage economics separate premium travel cards from ordinary cashback offers. Consistent LATAM Pass Black spending turbocharges your balance and accelerates reward flights.
Domestic Purchases Deliver 2.5 Miles per USD
Local transactions, groceries, utilities, subscriptions, and credit 2.5 miles for every United States dollar equivalent. Because miles post automatically each statement cycle, you watch the total climb without manual conversions or partner transfers.
International Charges Earn 3.5 Miles per USD
Cross-border shopping attracts an even richer 3.5 miles per USD. That multiplier helps global travelers collect award seats faster than comparable Brazilian cards, especially when overseas vacations or duty-free spending already stretch budgets.
Welcome and Ongoing Bonuses Add Momentum
New cardholders who charge R$60,000 within the first three statements unlock 20,000 bonus miles, while some promotional windows push the figure to 40,000.
Ongoing high-spend months above R$20,000 erase the annual fee, effectively converting saved fees into extra travel funds.
Travel Privileges That Upgrade Every Journey
Airport days feel less stressful when the card handles queues, comfort, and last-minute schedule changes.
- VIP lounge entry: Unlimited access to LATAM salons and Mastercard Black lounges worldwide whenever your boarding pass shows LATAM as the operating carrier
- Upgrade coupons: Six certificates for flights within South America, plus two for long-haul routes, redeemable online or at check-in desks
- Priority treatment: Dedicated check-in counters, early boarding zones, and priority baggage handling for you and one companion on every LATAM itinerary
- Travel insurance: MasterAssist Plus medical coverage, delayed-bag compensation, and car-rental protection issued automatically with each ticket purchase
- Zero foreign transaction fee: Shop abroad without the 4–6 percent surcharges that erode value on many domestic credit cards
Extra World Elite Mastercard Perks
Beyond airline-specific privileges, Mastercard layers global lifestyle benefits that save cash on common services.
- DoorDash DashPass: Three complimentary months plus one US$5 credit monthly
- Lyft: US$5 credit after three rides in a calendar month
- HelloFresh: Five percent credit toward future meal-kit orders and new-customer discounts
- Identity-theft monitoring: Real-time alerts and resolution support under Mastercard ID Theft Protection
- Fraud liability waiver: Protection against unauthorized transactions from the moment theft or loss is reported
Cost Structure and Interest Rates
High-end cards rarely come free of charge, yet Itaú uses a tiered fee model that rewards heavy usage.
| Monthly Spend | Monthly Fee | Effective Annual Cost |
| Under R$10,000 | R$105 | R$1,260 |
| R$10,000–19,999 | R$52.50 | R$630 |
| R$20,000+ | R$0 | R$0 |
The annual percentage rate ranges between 20.24 percent and 27.24 percent, depending on credit profile. Paying statements in full avoids costly revolving interest altogether.
Eligibility Requirements
Prospective applicants must satisfy minimum standards before Itaú proceeds with credit analysis.
- Age 18 years or older
- Legal residency in Brazil and possession of a valid CPF
- Minimum monthly income of R$15,000 recommended for comfortable approval odds
- Clean credit history demonstrating timely repayments on existing obligations
- An active LATAM Pass account to receive miles automatically after each statement closes
Step-by-Step Application Guide
A digital workflow makes the process straightforward, even for first-time premium card seekers.
- Visit the official page: Navigate to cartoes.itau.com.br/cartoes/126 via desktop or mobile browser.
- Enter your CPF: The site runs an initial eligibility check within seconds.
- Complete the online form: Provide personal data, income details, and contact information. Upload legible PDF or JPG documents showing identity, address, and earnings.
- Submit for analysis: Automated systems return provisional decisions quickly, but Itaú may take up to 45 days when manual review is required.
- Track progress: Existing Itaú clients can open the bank app and follow Products → Cards → “My card requests.” Others receive e-mail or WhatsApp updates.
- Receive and activate: Upon approval, the physical card ships by courier. Unlock it through the Itaucard app or call 3003-3030 (capitals) or 0800-720-3030 (other regions).
- Configure digital controls: Enable fatura digital, SMS alerts, and a virtual card number for secure online purchases.
Contact Channels for Assistance Worldwide
Questions during application or card management can be resolved through multiple avenues.
- Itaú Cartões Service (capitals): 4004-4828
- Itaú Cartões Service (other regions, toll-free): 0800-970-4828
- Head office: Praça Alfredo Egydio de Souza Aranha 100, Torre Olavo Setúbal, Parque Jabaquara, São Paulo, CEP 04344-902, Brazil
- App support: In-app chat accessible via “Ajuda” inside Cartões Itaú for secure, quick resolutions
Strategies to Maximize Miles and Avoid the Annual Fee
Smart usage unlocks the full benefit package while keeping ownership costs at zero. Consolidate household spending on the primary card until invoices exceed R$20,000 monthly.
Add up to five supplementary cards at no extra charge to pool family expenditure and share lounge benefits. Shift international purchases, hotel deposits, ride-hailing, and duty-free to the LATAM Pass Black to capture the 3.5-mile multiplier.
Join Clube LATAM Pass to stack a 70-percent mileage bonus on every statement if cash flow permits subscription dues. Redeem upgrade coupons on long-haul or peak-season flights where cash differences between cabins often spike.
Activate “Acelerador de Milhas” only when a specific award requires a short-term mileage top-up; evaluate the cost against buying miles outright during promotional windows.
How It Compares with Other Premium Brazilian Travel Cards
Side-by-side metrics reveal how each issuer positions its flagship product.
| Feature | LATAM Pass Black | Bradesco Elo Nanquim | Santander AAdvantage Black | Porto Seguro Visa Infinite |
| Miles per USD (domestic) | 2.5 | 2.2 | 2.0 | 2.0 |
| Miles per USD (international) | 3.5 | 2.5 | 2.0 | 2.2 |
| Lounge Access | LATAM + Mastercard | Elo Lounge + LoungeKey (2 guests) | Admirals Club + LoungeKey | LoungeKey (unlimited above R$6 k spend) |
| Welcome Bonus | 20 k LATAM miles | 20 k Livelo points | 20 k AAdvantage miles | 20 k Porto Plus points |
| Monthly Fee | R$105 (waived > R$20 k) | R$90 (waived > R$8 k) | R$107 (waived > R$7 k) | R$100 (waived > R$6 k) |
| Airline Focus | LATAM | Mixed | American Airlines | General travel |
Choosing Among LATAM Co-Branded Cards
LATAM and Itaú issue four consumer tiers. The table clarifies gaps so you pick the correct fit.
| Card | Monthly Income Minimum | Annual Fee (12×) | Domestic Miles per USD | International Miles per USD | Welcome Miles | Upgrade Coupons | Lounge Access | Fee Waiver Threshold |
| LATAM Pass Gold | R$2,500 | R$35 | 1.6 | 1.7 | Up to 4 k | None | None | R$2 k |
| LATAM Pass Platinum | R$7,000 | R$46 | 2.0 | 2.2 | Up to 8 k | Two domestic | None | R$4 k |
| LATAM Pass Black | R$10,000 | R$105 | 2.5 | 3.5 | Up to 20 k | Six domestic + two international | LATAM + Mastercard | R$20 k |
| LATAM Pass Infinite | R$15,000 | R$100 | 2.5 | 3.0 | Up to 15 k | Four domestic + one international | LATAM only | R$20 k |
Frequently Asked Questions
Common questions about LATAM:
- Does the card issue miles that expire?
Miles remain valid indefinitely as long as at least one qualifying transaction posts every 24 months, ensuring long-term planning flexibility. - Can non-Brazilian residents apply?
Current issuance happens exclusively inside Brazil. International readers may still benefit by using the card worldwide once residency and CPF registration requirements are satisfied. - Are upgrade coupons transferable?
Coupons belong to the primary cardholder but may be used to upgrade a companion traveling on the same reservation.
Final Thoughts
For travelers who fly LATAM often and comfortably spend at least R$20,000 monthly, the LATAM Pass Black Mastercard delivers substantial value.
High mileage multipliers, limitless lounge entry, and annual fee waivers combine to make long-haul trips smoother and cheaper.
Maintain disciplined repayments to avoid interest, direct major purchases through the card, and watch premium-cabin seats materialize sooner than expected.
Disclaimer
Details in this article reflect information available publicly in July 2025 and may change without notice.
Always confirm current terms, fees, and eligibility requirements directly with Itaú or LATAM before submitting an application.
Credit approval remains subject to individual analysis, and responsible usage is essential to avoid financial risk.
