--- title: 'The Right Way to Make Your Credit Card Give You Money' source: 'https://youtube.com/watch?v=nzgqN0Z8Gt8' video_id: 'nzgqN0Z8Gt8' date: 2026-07-24 duration_sec: 572 channel: 'Fran Lima' --- # The Right Way to Make Your Credit Card Give You Money > Source: [The Right Way to Make Your Credit Card Give You Money](https://youtube.com/watch?v=nzgqN0Z8Gt8) ## Summary This video explains how to generate extra income by strategically using credit cards with cashback and points programs. The speaker demonstrates that by combining cashback rewards with points from partner shopping portals, you can create a multiplier effect that turns everyday spending into significant long-term wealth. ### Key Points - **Introduction to Making Money from Spending** [00:02] — The speaker claims it's possible to make money from spending without reducing expenses, using credit cards with cashback and points programs. - **Hypothetical Scenario with R$5,000 Monthly Spending** [01:13] — Assuming a family spends R$5,000 per month, using a 1% cashback card yields R$50 extra monthly, or R$600 annually. - **Compounding the Cashback** [02:28] — Investing the R$50 monthly cashback at 1% per month grows to R$634 in one year, R$4,116 in 5 years, R$11,500 in 10 years, R$49,000 in 20 years, and R$1,165,000 in 50 years, providing R$10,000 monthly passive income. - **Cards Offering 1% Cashback** [03:38] — Mercado Pago card, Amazon Card, and C6 Bank are mentioned as free cards with 1% cashback. Credit score (Serasa) affects approval. - **Points Multiplier via Livelo** [05:01] — Livelo is a points platform where points can be transferred to airlines or sold. The speaker shows that 100,000 points can be worth R$700 when sold. - **Multiplier Strategy: Partner Shopping Portals** [06:43] — By shopping through Livelo's partner websites (e.g., Shopee, Casas Bahia), you earn extra points per real spent (e.g., 2 points per R$1). Combined with cashback from the credit card, this creates a multiplier effect. - **Examples of Partner Stores** [08:01] — Numerous stores are listed, including Casas Bahia (5 points per R$1), Mercado Livre, Carrefour, Booking, and more. Even gift vouchers for Outback can be purchased with points. ### Conclusion By combining cashback credit cards with points from partner shopping portals, you can multiply your earnings from everyday spending, potentially building significant wealth over time through disciplined investing. ## Transcript money, how to make money from where you didn't have any before. And you might even think: "My God, this is a scam, this is a lie, this is her trying to sell a course." You might think all of that, but if you watch this video until the end and reasoning, you'll see that not only is it possible, but you're losing a lot of money I'm going to show you. So go ahead and leave your like, trusting the system. remove the like, but I'm not going to spend much of the video asking you to. So leave a like and let's get started. We often think that saving is the best way to sometimes have some extra money left over from our salary, to put some money aside, even to invest something, or that we need to earn more, right? You need to work overtime, you need to find another job, or I don't know. And all of this does work; these are strategies. But it 's not always just that. Sometimes it's all about knowing how to spend wisely. And what does that mean in practice? It is possible to create money, to make money from where you haven't taken a single cent, haven't stopped spending a single cent. One example of this is with credit cards that give you cashback, but there's also a way to get a multiplier, and I'll show you how by the follow the line of reasoning. Let's assume that your family currently spends R$ 5,000 to survive, pay for groceries, pharmacy items, shopping, leisure activities, etc. And it can be your whole family, okay? Combining your income with your husband's, well, let's suppose, okay? This is a hypothetical scenario. Comment below with I can better personalize the content to your specific needs. In this hypothetical scenario, by using just the right tool, you could already have an extra R$ 50 in your monthly income. So, let's say you went there to get a card that gives you 1% cashback, and nowadays that's very easy to find in the market, with no annual fee, zero. You can do it easily. I 'll show you which cards offer 1% cashback. An extra fifty bucks in the bank account, without doing anything, just concentrating credit card. I've already told you that rich, intelligent, strategic people spend the right way, using credit cards to leverage their finances, not to accumulate debt. So, in one month, you would have earned R$ 50 more, and in one year, R$ 600 more. You might think, "Wow, that's very little, 1% is nothing." But if you take that same 1% you earned, which would be R$50, and invest it earning 1% per month, which is also very easy today, in any Treasury SELIC, CDB, or remunerated savings account, we can achieve that. In one year it would have yielded, in quotes, very little, only R$ 634. So, it would be a tiny return. From 600 to 634, it's not a big change. Now, in 5 years, that money that you made and invested every month, remembering never to withdraw the money, always taking it out and putting it back into the investment. In this case, you would have gotten 4,116. In 10 years, 11,500. In 20 years, 49,000. Now, the real magic is: in 50 years, that money would have turned into 1,165,000. And then you think: "Ah, but I don't want to wait 50 years." In 50 years you'll want to retire. 1 million earning 1% per month already provides a passive income of 10,000 per month. So you would have retired simply because you made a different choice throughout your life. I said you have to leave a like out of trust, because if this is . So, which cards offer 1% cashback? Today we have several on the market, but before talking about them, I want to tell you that my students are already well aware of these cards and many new developments in the financial market, as well as how to make money. So, if you want to learn about first three lessons completely the link to my WhatsApp is in the description of this video. Just send me a "hi" there and I'll give you access to the first three lessons for free and teach you how to get started. come back to continue following this content. Let's go. Mercado Pago card. Today it's a very simple card, it has no annual fee and gives 1% cashback. The Amazon Card is also a very cool card, simple and easy to get. The all the cards I've mentioned today, perhaps the easiest to get. I personally passed very easily. It largely depends on your credit score. So, good credit score. To access your score, you can check it for free on the Consumer" into Google. It's a score that ranges from zero to 1000 points. So, the closer you are to 1000, the better your chances of succeeding. If you have a negative credit history or debt, you may not be able to qualify. So, you in order to be able to do it later. But it's theoretically simple. And now I'm going to show you the multiplier. Only those who stayed until the end will truly receive the gold comment below: "I saw the multiplier." What I'm about to show you is really worth the money . I'm not kidding, I'm not joking. I paid a lot to learn this here. Look , this is a points website. These points can then be transferred to airlines, and this can be used to obtain free airline tickets. You can redeem the tickets using only these points, or you can sell them to other people who also want to redeem the tickets more cheaply. You can sell them here on Livelo itself; it 's not the most profitable option simulation just so you can see how much the points are worth. Here I'm going to exchange points. for how to do this here. I'm just doing a simulation so you can get an idea. Value in points. We talk about 1000 because, well, it's not like, it's a lot of 1000s, but 100,000 isn't that many , you know? It's not like each one is worth R$1, no. So let's put it here. 1000 points would be worth 17. 10,000 here. 1000 points would be worth 17. 10,000 points would be worth 42. Oh, okay. In this case, I my husband's account because my account only had 2,500 points, but his has 266,000. Let's do it here. It's because we put everything into a single account to accumulate more. Finally, the value in points. Let's suppose he lets me transfer 100,000 points from the R$66,000 I have here, how much would it be worth? R$700. Again, this isn't the smartest way to use this , but just by doing this, I'd already have R$700. So, if I register here and then click "sell," that you multiply your results? So, before buying anything, you'll come here to Collect Points Shopping Livelo. Here he even has cards that he recommends, look, C6 Bank too, I forgot to mention C6, but it's a free card that gives points. But here you go to Livelo Shopping and there are a lot of categories, home, cell phones, smartphones, supermarket, look at which products you'll earn points for if you buy them through this link. So, what are you going to do? I want to buy a spice rack, I come here, look, it's R$ 27. But you're not going to use your points here, because that's the worst way of all. You'll only earn points. So, oh, I misspoke, it's not partner websites. So, for example, if you want to buy something on Shopee, you come here, to the partner website. Shopee is giving two points for every R$1 spent. So, I spent R$10, I earn 20 points. Then you'll click here to activate and go to the partner. You will need to fill in your CPF (Brazilian tax identification number). I'll fill this out here, wait a minute. Go to Shopee and it will redirect you to the correct Shopee app or website , just like you were going to buy anyway. You come here, complete your purchase here, and that's it, you've already earned the point. But why is it a multiplier? Because you'll be buying here through our partner website, which is giving you two points for every R$ spent, and using the card that offered cashback, meaning you'll earn twice. It's a multiplier. The points fall here, right? It's like an extract, you see. I'll click here on "statement" so you can see it here. And by the way, we bought our living room TV at Casas Bahia and earned 16,572 points just for that. We also signed up for Clube Livel, which is a way for you to earn more points, but it has a considering that you're going to sign up for the plan. I'm telling you to use the free version . And then, whenever you want, just go to collect points on partner websites. And here there are countless stores where we already shop every day. Look at this, Casas Bahia is giving five points for every real spent. Sometimes it's worth 10 points. Hey, Shop Casas Bahia, Mercado Livre, Ponto Frio, Henner, Carrefour, Beleza na Web, Booking, Decolar, O Boticário, Natura, even Extra, Farmácias ZP, AliExpress, Pet Love, Insider, Drogaria São Paulo, you'll go to buy medicine, pharmacy items, sometimes mothers buy a lot of things at the pharmacy. Look here, Carrefour Pets, even your dog's food goes in here. Want to buy a pair of sneakers? Come in. Want to score points at Localiza? Sign up! Looking to buy new clothes at Ering? Come in. Even Claro, if you're a Claro customer, you probably have other carriers as well. I only showed Hope, Buzz, and even Beto Carreira World here, and finally, Globalop. Oh, there's a lot of stuff. If I were to tell you everything, I'd be here all day. It's a gigantic list. So, for sure, what you're a customer of will show up here. Wow, that's a lot. I'm shocked shocked. I even bought a you want to go to Outback, you buy the Gift Voucher here, go, arrive with the Gift Voucher and pay there. Oh, how embarrassing to have to pay with a gift certificate.