Cartão TAP BTG Pactual Black
The co-branded card that earns TAP Miles&Go miles directly, with potential annual-fee waiver and VIP lounge access.
Overview
The TAP BTG Pactual Black is a co-branded Mastercard Black card issued by BTG Pactual in partnership with the airline TAP. It earns TAP Miles&Go miles directly, with no need to transfer through Livelo or Esfera. Beyond earning, it converts part of the miles into status miles (which help reach Miles&Go tiers), plus VIP lounge access, extra baggage and Mastercard Black travel protections. A major attraction is the possibility of an annual-fee waiver, either through monthly spend or through promotional lifetime-waiver offers.
Who it's for
Ideal for frequent TAP or Star Alliance flyers who want to earn TAP Miles&Go miles directly and seek premium travel benefits such as VIP lounges and extra baggage.
Points earning
Earn 2.5 miles per dollar on domestic purchases, 3.5 miles per dollar on international purchases and 4 miles per dollar on tickets bought on the TAP website. Miles do not expire while the card is active.
Points program and transfers
The card earns miles directly in the TAP Miles&Go program, with no intermediate Livelo or Esfera step. Beyond regular earning, 20% of the miles generated by the card are converted into status miles (capped at about 15,000 per year), helping reach or maintain the Silver, Gold and Navigator tiers of TAP Miles&Go.
Related promotions and news
Transfer bonuses and updates from the programs linked to this card, updated live.
Transfer promotions
Miles news
Annual fee and waiver rules
Every R$ 1,000 spent on the statement grants R$ 10 off the annual fee; spending around R$ 10,000 per cycle fully waives it. In promotional campaigns BTG offers a lifetime annual-fee waiver for selected clients (usually via a waitlist). Confirm the current conditions at the time of application, as offers change.
How to apply
Applications are made through the BTG Pactual banking app or website, and generally require being a bank client. Promotional lifetime-waiver offers are usually released via a waitlist.
Income or net worth range
BTG Pactual does not officially disclose a minimum income; as a high-income Black card, it typically targets clients with a strong banking or investment relationship.
Typical requirements
- Be a BTG Pactual banking client
- Pass the issuer's credit analysis
- Apply via the BTG Pactual app or website
Ways to obtain
- Open or already hold a BTG Pactual banking account
- Request the TAP BTG Pactual Black card in the app or website
- Await credit analysis and approval
- Activate the card and link it to the TAP Miles&Go program
VIP lounges
Offers 3 annual visits to the TAP Premium Lounge in Lisbon, 4 annual accesses via LoungeKey (over 1,000 lounges worldwide) and unlimited access to the Mastercard Black VIP lounge at Guarulhos airport (GRU).
Network benefits
- Mastercard Black: 24h concierge
- Mastercard Surpreenda rewards program
- Mastercard experiences and offers
- Mastercard Black travel protections and insurance
Insurance
- Mastercard Black travel insurance
- Mastercard Black baggage protection
Travel protections
- 2 extra 23kg bags per year on TAP flights
- 3 Fast Track accesses per year at selected airports
- Zero IOF tax on international purchases
Airline benefits
- Direct earning of TAP Miles&Go miles
- Status miles to reach TAP Miles&Go tiers
- 4 miles per dollar on tickets bought on the TAP website
- Extra baggage on TAP flights
✅ Advantages
- Direct earning of TAP Miles&Go miles with no transfer
- Possibility of annual-fee waiver (by spend or promotional lifetime waiver)
- Conversion into status miles to climb TAP tiers
- Unlimited Mastercard Black VIP lounges at Guarulhos
- Extra baggage and Fast Track on TAP flights
⚠️ Disadvantages
- Value concentrated on those who fly with TAP
- Lifetime waiver depends on promotional offers/waitlist
- Income and conditions are not officially disclosed
- Status miles capped at about 15,000 per year
Frequently asked questions
Does the TAP BTG Pactual Black card earn miles directly?
Yes. It earns miles directly in the TAP Miles&Go program, with no need to transfer points via Livelo or Esfera.
How much is the annual fee and is there a waiver?
The annual fee is around R$ 1,200 per year. You get R$ 10 off for every R$ 1,000 spent, fully waiving it at around R$ 10,000 per cycle. There are also lifetime-waiver campaigns for selected clients.
How many miles does the card earn per dollar?
It earns 2.5 miles per dollar on domestic purchases, 3.5 on international ones and 4 miles per dollar on tickets bought on the TAP website.
Does the card help climb TAP tiers?
Yes. 20% of the miles generated by the card become status miles (up to about 15,000 per year), helping reach the Silver, Gold and Navigator tiers of Miles&Go.
Which VIP lounge accesses does the card offer?
3 annual visits to the TAP Premium Lounge in Lisbon, 4 accesses via LoungeKey and unlimited Mastercard Black VIP lounge access at Guarulhos.
Sources consulted
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.