credit cards: migration dry-run for “cashback credit cards” — prove switching cost before lock-in

Three paths a team runs in Fort Wayne

A ops head in Fort Wayne exported from Nubank, imported into Inter, and kept C6 Bank as control with 4 seats.

Ceiling ~$97/month. No offline export → stay monthly.

Dry-run sheet (fill in)

Step	Nubank	Inter	C6 Bank
Full export
Opens offline
card exit
effective annual fee
real cashback
Total time (h <= 4)
Broken fields

Nubank, Inter, and C6 Bank in the rehearsal

Nubank only passes “cashback credit cards” hype if the export opens without the SaaS.

Inter shows near “best cash back cards”; measure a real import, not the tour.

Keep C6 Bank ready to freeze the shortlist if field mapping fails.

Fails that kill annual lock-in

• Export from Nubank/Inter is incomplete or vendor-only encrypted.
• Import into C6 Bank requires paid consulting.
• “best credit cards 2026” never becomes a migration checklist.
• Dry-run exceeds 4h without a usable file.

Migration go / no-go

Consider annual on card-picks-2026 only with a green dry-run. Otherwise stay monthly.

Compare Card revisits when “cashback credit cards” or “best cash back cards” change the data format.

Kit: export, offline screenshot, dry-run timer, migration owner, sentence tying “double cash back cards” to switching cost.

Compare Card (card-picks-2026) treats “cashback credit cards” as a reason for a migration dry-run — not to lock annual credit cards without a data-exit proof.

Signals (“best cash back cards”, “double cash back cards”, “best credit cards 2026”) only count after exporting from Nubank and reopening on Inter/C6 Bank without the old vendor login.

Goal: within <=4h prove the switching cost is acceptable.

Migration dry-run for credit cards

card exit. Note cancel window and any penalty on Nubank; store the file on a team drive.

effective annual fee. Add fee + fx + optional insurance over 12 months on Inter using only the export — no opaque magic import.

real cashback. Simulate 3 categories from your statement on C6 Bank. If it needs CS, the dry-run fails.

On card-picks-2026, if “cashback credit cards” cannot survive a migration dry-run on Nubank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “best cash back cards” cannot survive a migration dry-run on Inter in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “double cash back cards” cannot survive a migration dry-run on C6 Bank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “best credit cards 2026” cannot survive a migration dry-run on Nubank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “no annual fee card” cannot survive a migration dry-run on Inter in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “cash back cards” cannot survive a migration dry-run on C6 Bank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “credit cards” cannot survive a migration dry-run on Nubank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “cashback credit cards” cannot survive a migration dry-run on Inter in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “best cash back cards” cannot survive a migration dry-run on C6 Bank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “double cash back cards” cannot survive a migration dry-run on Nubank in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “best credit cards 2026” cannot survive a migration dry-run on Inter in 4h, Compare Card ignores it as credit cards noise.

On card-picks-2026, if “no annual fee card” cannot survive a migration dry-run on C6 Bank in 4h, Compare Card ignores it as credit cards noise.

Compare Card · card-picks-2026: migration dry-run for “cashback credit cards” on Nubank/Inter/C6 Bank before annual credit cards.

card-picks-2026-migration-dry-run-2026-08-12 proof 1: in Knoxville, a risk analyst ran effective annual fee on Nubank (add fee + FX + optional insurance over 12 months) and filed credit cards in 43 min. Compare Card does not reuse card-picks-2026-migration-dry-run-2026-08-12 on another card-picks-2026 date.