As credit market on the rise, fintechs are increasingly finding ways to stand out in the market. In this sense, access to the credit service, which was previously reserved for the elite, is now offered on a large scale to the entire population. In addition, zero annuity, VIP lounges in airports, exchange of points for miles, cashback It is investback, are just some of the resources offered by financial institutions.
Despite all the advantages mentioned above, it is not possible to find all the benefits concentrated in a single flag. Therefore, it is necessary to understand, taking into account your consumption profile and your financial reality, which credit card is best suited to what you want. So, check out valuable tips below to choose your credit card in the best possible way:
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Know the market options
Inter Mastercard Black
Benefits:
- 1% cashback;
- Unlimited access to VIP lounges;
- Exemption from annual fee.
Requirements:
- Investment of BRL 250 thousand;
- Have a real estate loan;
- Monthly invoices over R$7 thousand.
XP Visa Infinite
Benefits:
- 1% investback;
- Access to VIP lounges limited to 4 per year, for two people;
- Exemption from annual fee.
Requirements:
- Invest R$ 5 thousand in the brokerage.
C6 Carbon Mastercard Black
Benefits:
- 2.5 points for every dollar spent;
- Access to VIP lounges limited to 4 per year;
- Annuity exemption for the first three months.
Requirements:
- Income assessment.
Bradesco Mastercard Black
Benefits:
- 1.8 points for every dollar spent;
- Annuity paid in 12 installments of R$ 99.00.
Define which benefits best meet your needs
After learning about the benefits and requirements that each service offers, you should evaluate what best fits your lifestyle. There is no point in choosing to exchange points or cashback if your goal is to travel, for example. In this scenario, logically, it is more advantageous to choose one of the alternatives that offers miles and VIP lounges at airports.
Understand your financial reality
Therefore, having chosen the benefits to which he wants to have access, the consumer needs to check if his financial condition is in accordance with the necessary requirements to apply for the desired card. Many of these options charge annuities or require a minimum invoice or investment amount for credit to be approved.
Invest in financial education
If you choose to have more than 1 credit card, try to invest in financial education, so that the benefits do not turn against you. It is interesting to always keep an expense spreadsheet and schedule the payment of all invoices for the same day.
Geographer and pseudo writer (or otherwise), I'm 23 years old, from Rio Grande do Sul, lover of the seventh art and everything that involves communication.