Discover the ideal card for your profile

Are you looking for the ideal credit card? So, the time to make that choice has finally arrived.

However, to do this it is important to know the main options on the market, in order to understand which one best suits your profile and needs.

There are those who say that it is not necessary to choose a specific card, as they are all practically the same, but today we will see that this is not the case.

There are options that offer benefits, others that guarantee lower fees and even cards related to companies. Each one has its positive and negative points.

Therefore, determining whether or not a card is worth it depends on a single factor: your needs.

Check out the available card options below to make your choice more easily:

Options for you

Credit cards with no annual fee

For a long time, charging an annual fee was common with practically all credit card options.

But things have changed, and currently it is possible to find several cards that are free of annual fees.

This means that you don’t need to pay the traditional annual administration fee, which in some cases can be quite expensive.

Therefore, if you want to save, it is worth looking for this alternative, as it is quite common to find this difference on cards that offer other associated benefits.

Rewards credit cards

Reward credit cards are famous for offering customers rewards for use.

This means that in this card category, each purchase you make earns you rewards, which can be cashback, airline miles, loyalty points and even prizes through a draw.

These rewards are usually offered when a certain amount is reached in purchases, or if the card is used in partner stores of the card’s financial institution.

Travel credit cards

Have you ever stopped to think about the possibility of having a card that offers you specific travel benefits?

This reality exists, so we have some card options on the market that offer benefits to customers, which can be used when traveling.

This includes access to airport VIP lounges, free travel insurance and even discounts on the purchase of tickets and accommodation services.

This is an excellent proposal for those who travel frequently, as as you use the card, you will accumulate benefits to exchange in the future.

Credit cards with low interest rates or introductory 0% APR

One of the main concerns customers have when using credit cards is precisely the interest.

This is because many consider paying interest as a financial loss.

For this audience, cards with reduced interest rates and an introductory 0% APR represent the best alternative.

This is because the fees charged are much lower, which makes using the card more profitable.

Student credit cards

Student credit cards are designed for young people who are starting their financial lives, and do not yet have established conditions for proof of income.

Therefore, they tend to have simpler administration, in addition to facilitating approval upon presentation of student proof.

Bad credit or no credit cards

Default can become a real problem when trying to obtain credit, after all, it is rare for a company to release credit to a debtor.

In these cases, the best alternative is to look for negative credit cards, as the analysis criteria in these cases are usually more lenient.

In this modality, the limits are usually lower and there may be more interest charges, precisely due to the operational risk, but, for those who really need credit, it may be worth it.

Business credit cards

Business credit cards are interesting for those who want to separate their business and personal finances.

This type of card usually has more detailed administration, and the limits granted are usually higher, as they consider the company’s total income in the evaluation.

So, if you need something to help you with your business, it’s worth looking for this type of card.

Store credit cards

Retail store credit cards offer discounts and special promotions for purchases at specific stores.

Co-branded credit cards

ASome consumers look for co-branded credit cards associated with a specific brand, such as an airline, hotel or retailer.

These cards usually offer company-specific benefits, which is great for regular customers.

Did you like the options? So, take the opportunity to choose which one best suits your needs and priorities!