If you're a frequent flyer with LATAM Airlines, having the right credit card can enhance your travel experience and accelerate how quickly you earn miles.
The LATAM Pass Itaucard Mastercard Black offers premium benefits for travelers who want more than just points—they want real advantages at the airport.
This guide explains how to apply for the card, what you gain from it, and how to avoid paying the annual fee.
Benefits of the LATAM Pass Black Card
The LATAM Pass Black card was designed to reward those who travel often, especially with LATAM Airlines.
From free miles to exclusive lounge access, it brings several perks tailored to frequent flyers.
Loyalty Benefits
Earn 2.5 miles per USD on domestic purchases and 3.5 miles per USD on international purchases.
Receive 20,000 bonus miles after spending R$20,000 across the first three monthly statements.
Travel Benefits
Six upgrade coupons for cabin class upgrades on LATAM flights within South America and two additional coupons for international routes.
Unlimited access to LATAM VIP lounges for the cardholder and one guest when flying with LATAM.
Priority check-in and boarding for the cardholder and companion on all LATAM flights.
Additional Features
Special discounts on LATAM Pass points redemption for tickets and products.
Travel insurance and baggage protection are included with Mastercard Black privileges. Zero liability for fraudulent or unauthorized transactions.
Ability to request up to five additional cards at no extra charge.
Interest Rates and Annual Fee Policy
The LATAM Pass Black card has a dynamic annual fee structure based on your monthly spending.
Annual Fee Breakdown
- R$105/month if monthly spending is below R$10,000.
- 50% discount (R$ 52.50/month) if monthly spending is between R$ 10,000 and R$ 19,999.
- Full exemption if you spend R$20,000 or more per month.
This flexible structure encourages high usage while rewarding disciplined spenders with fee waivers.
Interest Rates
- The APR ranges between 20.24% and 27.24% per year.
- Rates vary depending on your credit profile and payment behavior.
- It’s best to avoid revolving credit with this card to prevent high interest charges.
Requirements to Apply
You just need to enter your CPF number on the Itaú website to begin the credit analysis and submit your request.
Once approved, the card unlocks access to VIP lounges, exclusive upgrades, and high-mileage earning rates on purchases.
Basic Requirements
- Be at least 18 years old.
- Have a minimum monthly income of R$15,000.
- Have a clean credit history and good financial standing.
- Hold or create a LATAM Pass account to earn and manage miles.
- Even if you meet the criteria, Itaú will conduct a credit analysis before final approval.
How to Apply Step by Step
Go to the official application page: https://cartoes.itau.com.br/cartoes/126/
Enter your CPF (Cadastro de Pessoa Física) to begin the pre-analysis. Fill out the online form with personal, financial, and contact information.
Submit your request and wait for Itaú to review and approve the application. Once approved, you’ll receive your card by mail and activate it via the app or phone.
No need to visit a branch unless requested. You may also track your application status through Itaú's customer service.
Bank Contact Information
If you need assistance during or after the application, Itaú offers multiple contact options.
Itaú Customer Service
- Capitals and metropolitan regions: 4004‑4828
- Other regions (toll-free): 0800‑970‑4828
- Operating hours: Monday to Saturday, from 8 a.m. to 8 p.m.
Headquarters Address
Banco Itaú Unibanco S.A.
Praça Alfredo Egydio de Souza Aranha, 100
Torre Olavo Setubal – Parque Jabaquara
São Paulo – SP – CEP 04344‑902
Brazil
You can also find help through the Itaú app, which is available on both Android and iOS.
Best Practices to Maximize Your Travel Miles
Once you’re approved for the card, these tips can help you get the most value from your LATAM Pass Black experience.
Spend at least R$20,000/month to avoid the annual fee. Use the card for international purchases to earn 3.5 miles per USD.
Always pay your balance in full to avoid high interest. Book LATAM flights to access upgrades and lounge perks.
Consider joining the LATAM Pass Club for even faster mile accumulation. Use your upgrade coupons strategically during busy seasons or long-haul routes.
Pros and Cons Comparison
Here’s a quick breakdown of the LATAM Pass Black card's advantages and limitations:
| Pros | Cons |
|---|---|
| High miles earning rate | High minimum income requirement |
| Access to VIP lounges | Monthly fee if spending is low |
| Bonus miles on sign-up | High interest rate if not paid in full |
| Priority airport services | Benefits limited to LATAM flights |
This card is especially suitable for those who frequently travel with LATAM and maintain high monthly credit card spending.
Comparison with Competitor Brazilian Travel Cards
To help you make an informed decision, here is a comparison of the LATAM Pass Black with other top-tier travel cards in Brazil.
| Feature | LATAM Pass Black (Itaú) | 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 lounges | Elo Lounge + LoungeKey (2 guests) | AA Admirals Club + LoungeKey | LoungeKey (unlimited, if spending >R$6K) |
| Sign-Up Bonus | 20,000 LATAM Pass miles | 20,000 Livelo points | 20,000 AAdvantage miles | 20,000 Porto Plus points |
| Monthly Fee | R$ 105 (waived above R$ 20K spend) | R$ 90 (waived above R$ 8K) | R$ 107 (waived above R$ 7K) | R$ 100 (waived above R$ 6K) |
| Airline Focus | LATAM Airlines | Any (Livelo) | American Airlines | General Travel |
| Upgrade Coupons | Yes (LATAM only) | No | No | No |
Final Considerations
The LATAM Pass Black card from Itaú is one of the best travel cards available in Brazil for LATAM Airlines flyers.
It combines high-mile accumulation, exclusive travel privileges, and a potential for annual fee exemption if you maintain the minimum monthly spending.
With lounge access, travel upgrades, and 20,000 welcome miles, it delivers real value to the right user.
Disclaimer: This content is for informational purposes only. The benefits, interest rates, requirements, and terms mentioned are subject to change by Banco Itaú Unibanco or LATAM Airlines without prior notice. Before applying, consult the official Itaú website or contact customer service to verify current conditions. Approval is subject to credit analysis, and benefits may vary according to your LATAM Pass status or usage profile.
