# PayJoy - cartão de crédito — Cartão com Limite Bônus

> Digital credit card with bonus credit, dynamic CVV, and Visa benefits. (iPhone/iPad app by DigiCash do Brasil LTDA.)

- Source: https://appshunter.io/ios/app/payjoy-cartao-de-credito/id6751730667 (this page in markdown: same URL + `.md`)
- Developer: [DigiCash do Brasil LTDA](https://appshunter.io/developer/1622814337)
- Category: Finance
- Price: Free
- Rating: 4.63/5 from 98 App Store ratings · 4 written reviews indexed
- Age rating: +4
- Requires: iOS 15.0 · 174 MB
- Languages: American English
- Released: 2025-10-27
- Data updated: 2026-09-02
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/payjoy-cartao-de-credito/id6751730667/reviews.md

## What is PayJoy?

Conheça o cartão de crédito PayJoy: crédito fácil, transparente e digital.

Um cartão sem anuidade e com benefícios exclusivos pensados para simplificar sua vida.

Veja as vantagens:

Limite Bônus - Ganhou, usou, pagou em dia? Você ganha mais limite! Com o Limite Bônus da PayJoy, você pode conquistar até:
- 5% de Limite Bônus em serviços de streaming; 
- 2% em compras em plataformas parceiras;
- 1% em todas as demais compras.

CVV dinâmico para segurança online - Proteção extra nas suas compras pela internet com o código de segurança que se atualiza a cada transação.

Compras internacionais com Visa - Use seu cartão em todo o mundo e aproveite até 40 dias para pagar.

Benefícios Vai de Visa - Aproveite ofertas, promoções e experiências exclusivas com seu cartão PayJoy.

## Key features

- No annual fee credit card
- Bonus credit on streaming and purchases
- Dynamic CVV for online security
- International purchases with Visa
- Exclusive Vai de Visa benefits

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/payjoy-cartao-de-credito/id6751730667/reviews.md

### 5/5 — Rápido e eficaz

*2026-08-03*

Ótimo

### 5/5 — Alex

*2026-05-25*

10

### 5/5 — Excelente app

*2026-01-16*

Acima das expectativas!!

### 5/5 — Payjoy

*2025-11-11*

10

## Frequently asked questions about PayJoy

### Does PayJoy have an annual fee?

No, PayJoy is a credit card with no annual fee, designed to simplify your financial life.

### How does the Bonus Limit feature work on PayJoy?

With PayJoy's Bonus Limit, you can earn more credit by using your card and paying on time. You can get up to 5% bonus limit on streaming services, 2% on partner platforms, and 1% on all other purchases.

### Is PayJoy secure for online purchases?

Yes, PayJoy offers enhanced online security with a dynamic CVV that changes with each transaction, providing extra protection for your internet purchases.

### Can I use PayJoy for international purchases?

Yes, the PayJoy card is accepted globally through Visa, and you can enjoy up to 40 days to make your payments for international purchases.

### What are the Vai de Visa benefits with PayJoy?

Your PayJoy card comes with exclusive Vai de Visa benefits, allowing you to take advantage of special offers, promotions, and unique experiences.

### What devices does PayJoy support?

PayJoy is available on iPhone, iPad, and iPod devices.

### How often is PayJoy updated?

The latest version of PayJoy is 4.14.2, and it was last updated on June 17, 2026, indicating regular maintenance and feature enhancements.

### Does PayJoy have ads?

Yes, PayJoy contains advertisements.

## Version history (last 5 releases)

### 4.22.3 — 2026-08-27

Melhorias e correções de bugs.

### 4.21.1 — 2026-08-19

Melhorias e correções de bugs.

### 4.20.0 — 2026-07-30

Melhorias e correções de bugs.

### 4.16.0 — 2026-07-13

Melhorias e correções de bugs.

### 4.15.2 — 2026-06-30

Melhorias e correções de bugs.

## More apps by DigiCash do Brasil LTDA

- [Crediado - Sales management](https://appshunter.io/ios/app/crediado-sales-management/id1561619335)
- [novücard: Cartão de Crédito](https://appshunter.io/ios/app/novucard-cartao-de-credito/id1628630319)
- [Cartão de Crédito SuperSim](https://appshunter.io/ios/app/cartao-de-credito-supersim/id6781384246)

All apps by DigiCash do Brasil LTDA: https://appshunter.io/developer/1622814337

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*