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Nowadays most people have a credit card and many of them are unable to request one because their name is negative at SPC, Serasa. But today it is possible to request a credit card even with the SPC/Serasa name online.

To make your day-to-day life easier, a credit card makes it easier to split your purchases and relieve you of your monthly expenses.

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Credicard is a very famous company in our country for providing various payment options for Itaú Unibanco.

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Therefore, this business mainly operates in the management of credit cards and is widely used due to the advantages that an individual can gain by becoming a customer.

Therefore, understand more about Credicard today, as well as the two main cards offered by the company, the Credicard ZERO Platinum and also the Credicard Mastercard BLACK.

Creditcard ZERO Platinum

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First of all, it is interesting that the first type of card offered by Credicard is explained to you.

Generally, the Credicard ZERO Platinum is the most suitable card for first-time customers who want to know more about the company, considering that the benefits are incredible.

Therefore, it is worth highlighting that this is a card with no annual fee for the first and subsequent years of use, in addition to having several solutions in the palm of your hand with the application, including Apple Pay, Samsung Pay and also Google Pay.

In fact, the ZERO Platinum card option also has great flexibility by providing an emergency credit assessment that is not charged, with the main purpose of authorizing your purchases when the limit is exceeded.

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Another advantageous point is the fact that there is the option of an “additional card” in which the customer has the possibility of sharing the benefits and limit with whoever they prefer.

Finally, ZERO Platinum also has a benefits store because the Credicard company has 30 partners and consequently discounts are available.

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Credicard Mastercard BLACK

As mentioned in the introduction, there is also the Mastercard BLACK card option.

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Thus, as similarities between the two cards, we can mention that the Mastercard BLACK, like the ZERO Platinum, has discounts with partners and also the benefits that are provided in the application.

However, the first difference is that in the BLACK version the annual fee is charged in 12x R$ 65.00 or R$ 780.00.

But, calm down! Understand the reason for the annual fee and the advantages of consumers who opt for this alternative proposed by Credicard:

Firstly, a very interesting benefit is the card's scoring program, so this program works as follows:

  • 5 points per dollar on video and music streaming
  • 3 points per dollar on international purchases
  • 2 points per dollar on domestic purchases

Thus, it is possible to exchange points for discounts and other advantages, but the points are accumulated and are only valid for 36 months.

Furthermore, a positive feature of the Credicard Mastercard BLACK is the fact that in the first three months the new customer does not pay an annual fee, just as a consumer who spends 6 thousand reais or more per month does not pay the annual fee.

And in addition to these benefits, with the BLACK Mastercard you have free access to the Guarulhos VIP Room and by adding more US$ 32 you can check out more than a thousand LoungeKey VIP Rooms.

Travel protection is also another advantage because with this card you can have travel medical insurance, guarantees in case any problem occurs with your luggage and also Wi-Fi at airports.

Finally, it is worth highlighting the possibility of paying invoices in installments with interest that can vary from 1.90% to 10.7% per month, as well as the chance to obtain additional services.

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Conclusion

Certainly the Creditcard is a very interesting company for individuals looking for credit cards that have real advantages.

Finally, to decide between cards, always keep in mind to analyze the advantages offered by the company and your personal needs because this way you can understand which would be the best option in your case.