# Nubank loyalty program and rewards expansion

> Live situation record from CLSTR: https://clstr.news/situations/nubank-loyalty-program-and-rewards-expansion
> Updated: 2026-09-10T13:25:00.000Z. Sources: 30. Developments: 2.

Nubank is exploring ways to expand how customers redeem accumulated credit card points, specifically targeting the Croma and Ultravioleta segments. While points are currently primarily transferable to airline loyalty programs like Azul, Gol, and Latam, the bank is studying new options to provide greater flexibility for users. 

In conjunction with these efforts, the bank has launched the ‘Vantagens Nu’ initiative, transforming its app into a rewards hub. This platform integrates discounts, coupons, and cashback from partners such as Amazon, Samsung, Uber, Shopee, and O Boticário. To drive user engagement, Nubank has also introduced gamification features, including competitions and quizzes, to allow customers to earn additional rewards.

## Claims

- Nubank has officially launched operations in the United States. (corroborated by 19 sources)
- The company is using Lead Bank for its US operations. (corroborated by 16 sources)
- Nu Global allows transfers to more than 35 countries. (corroborated by 15 sources)
- The US account offers a 3.5% APY yield. (corroborated by 12 sources)
- The OCC has granted conditional approval for a national bank charter. (corroborated by 12 sources)
- Nu Global uses stablecoins like USDC for international transfers. (corroborated by 10 sources)
- The credit card offers 1.5% cashback. (corroborated by 7 sources)
- The company aims to reach between 100 million and 150 million customers in the US. (corroborated by 2 sources)

## Timeline

### 2026-09-10: Nubank launches U.S. operations and Nu Global international account

Nubank has launched in the U.S. via Lead Bank, offering 3.5% APY accounts and 1.5% cashback cards, alongside Nu Global, a multi-currency service using stablecoins for transfers across 35+ countries.

27 sources. https://clstr.news/cluster/nubank-expands-loyalty-rewards-and-partner-benefits

### 2026-09-08: Nubank evaluates expanding point redemption options

Nubank is considering increasing the variety of ways customers can use accumulated credit card points, particularly for Croma and Ultravioleta cardholders.

3 sources. https://clstr.news/cluster/nubank-evaluates-expanding-point-redemption-options

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Cite as: Nubank loyalty program and rewards expansion. CLSTR, https://clstr.news/situations/nubank-loyalty-program-and-rewards-expansion