{"id":22254,"date":"2026-01-02T22:51:00","date_gmt":"2026-01-02T22:51:00","guid":{"rendered":"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/"},"modified":"2026-01-02T22:51:00","modified_gmt":"2026-01-02T22:51:00","slug":"aff90555-7f68-4ae7-925d-d7f4a00e8c2b","status":"publish","type":"post","link":"https:\/\/cursosparainiciantes.com.br\/en\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/","title":{"rendered":"Cetelem Black Plus: Credit Card with Cashback, Flexible Payments &#038; Digital Perks"},"content":{"rendered":"<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cetelem Black Plus<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Get up to \u20ac180 cashback a year, 18.8% TAEG, flexible payments, no card fee, and up to \u20ac10,000 limit. Apply digitally in minutes!<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/cursosparainiciantes.com.br\/en\/redirect\/?https:\/\/www.cetelem.pt\/cartao-de-credito-black\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<p>Cetelem Black Plus is a standout credit card that brings attractive benefits for users who want rewards and flexibility. This Mastercard offers up to \u20ac180 cashback per year (max \u20ac15\/month) on key everyday spend categories like streaming, supermarkets, dining, and petrol. There is no annual card fee, making it a cost-effective option for those seeking value.<\/p>\n<p>The interest rate is competitive, with a TAN of 15.03% and a TAEG of 18.8%. You can set a credit limit between \u20ac500 and \u20ac10,000, with repayment terms that suit your budget. Applications are processed 100% online, so you can apply quickly and begin using your card digitally without delay.<\/p>\n<h3>How to Apply for Cetelem Black Plus<\/h3>\n<ul>\n<li>Go to the Cetelem Black Plus online application page.<\/li>\n<li>Fill in your personal and financial details as requested.<\/li>\n<li>Select your desired credit limit (from \u20ac500 to \u20ac10,000).<\/li>\n<li>Choose your preferred monthly repayment rate.<\/li>\n<li>Submit required documents and complete verification.<\/li>\n<li>Await approval and receive your digital card for immediate use.<\/li>\n<\/ul>\n<h3>Pros of Cetelem Black Plus<\/h3>\n<p>The main highlights are the cashback across various sectors and absence of annual fees. Flexible repayments (as low as 3% of balance) make budget management easier.<\/p>\n<p>Enjoy digital payment options and full card management through your phone, making everyday transactions both secure and convenient for modern users.<\/p>\n<h3>Cons of Cetelem Black Plus<\/h3>\n<p>Like most credit cards, carrying balances will incur interest charges at a TAEG of 18.8%, which can add up over time if not paid in full.<\/p>\n<p>Cashback is capped at \u20ac15 per month, so high spenders may find the reward limit restrictive when compared to cards with uncapped rewards.<\/p>\n<h3>Verdict: Is Cetelem Black Plus Right for You?<\/h3>\n<p>Cetelem Black Plus strikes a solid balance between everyday value and flexibility. Cashback on essentials and no annual fee make it ideal for budget-conscious spenders.<\/p>\n<p>You&#8217;ll benefit the most if you repay your balance in full and keep spending within the cashback categories. Digital card controls add an extra layer of convenience and safety.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cetelem Black Plus<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Get up to \u20ac180 cashback a year, 18.8% TAEG, flexible payments, no card fee, and up to \u20ac10,000 limit. Apply digitally in minutes!<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/cursosparainiciantes.com.br\/en\/redirect\/?https:\/\/www.cetelem.pt\/cartao-de-credito-black\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover Cetelem Black Plus \u2013 no annual fee, up to \u20ac180 cashback a year and flexible payments. Card limit up to \u20ac10,000 and instant digital application. Learn the pros, cons, and how to apply now.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cetelem Black Plus: Credit Card with Cashback, Flexible Payments &amp; Digital Perks - Cursos para iniciantes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cursosparainiciantes.com.br\/en\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cetelem Black Plus: Credit Card with Cashback, Flexible Payments &amp; Digital Perks - Cursos para iniciantes\" \/>\n<meta property=\"og:description\" content=\"Discover Cetelem Black Plus \u2013 no annual fee, up to \u20ac180 cashback a year and flexible payments. Card limit up to \u20ac10,000 and instant digital application. Learn the pros, cons, and how to apply now.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cursosparainiciantes.com.br\/en\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\" \/>\n<meta property=\"og:site_name\" content=\"Cursos para iniciantes\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-02T22:51:00+00:00\" \/>\n<meta name=\"author\" content=\"Bruno Gianni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bruno Gianni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\"},\"author\":{\"name\":\"Bruno Gianni\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\"},\"headline\":\"Cetelem Black Plus: Credit Card with Cashback, Flexible Payments &#038; Digital Perks\",\"datePublished\":\"2026-01-02T22:51:00+00:00\",\"dateModified\":\"2026-01-02T22:51:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\"},\"wordCount\":401,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#organization\"},\"articleSection\":[\"Hidden\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\",\"url\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\",\"name\":\"Cetelem Black Plus: Credit Card with Cashback, Flexible Payments & Digital Perks - Cursos para iniciantes\",\"isPartOf\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#website\"},\"datePublished\":\"2026-01-02T22:51:00+00:00\",\"dateModified\":\"2026-01-02T22:51:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/aff90555-7f68-4ae7-925d-d7f4a00e8c2b\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/cursosparainiciantes.com.br\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cetelem Black Plus: Credit Card with Cashback, Flexible Payments &#038; Digital Perks\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#website\",\"url\":\"https:\/\/cursosparainiciantes.com.br\/\",\"name\":\"Cursos para iniciantes\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/cursosparainiciantes.com.br\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#organization\",\"name\":\"Cursos para iniciantes\",\"url\":\"https:\/\/cursosparainiciantes.com.br\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/cursosparainiciantes.com.br\/wp-content\/uploads\/sites\/134\/2024\/12\/cropped-logo-curso-para-inciantes.png\",\"contentUrl\":\"https:\/\/cursosparainiciantes.com.br\/wp-content\/uploads\/sites\/134\/2024\/12\/cropped-logo-curso-para-inciantes.png\",\"width\":512,\"height\":512,\"caption\":\"Cursos para iniciantes\"},\"image\":{\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\",\"name\":\"Bruno Gianni\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cursosparainiciantes.com.br\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"caption\":\"Bruno Gianni\"},\"description\":\"Bruno writes the way he lives, with curiosity, care, and respect for people. 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