{"id":41263,"date":"2021-10-29T23:00:00","date_gmt":"2021-10-29T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=41263"},"modified":"2021-10-29T20:07:33","modified_gmt":"2021-10-29T20:07:33","slug":"afinz-ou-btg","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/de\/afinz-ou-btg\/","title":{"rendered":"Afinz Card oder BTG+ Card: Was ist besser?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-afinz-x-btg-descubra-qual-escolher\">Afinz x BTG+: Finden Sie heraus, welches Sie w\u00e4hlen sollten<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, qual \u00e9 o melhor cart\u00e3o entre o Afinz ou BTG+? Fonte: Pexels.\"  id=\"41265\" src=\"https:\/\/ucarecdn.com\/ce5305ed-dc1e-4cb1-931e-dfae5aa76e9e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Aber welche ist schlie\u00dflich die beste Karte zwischen Afinz und BTG+? Quelle: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es l\u00e4sst sich nicht leugnen, dass es nicht m\u00f6glich ist, auf alle auf dem Markt erh\u00e4ltlichen Kreditkarten zuzugreifen, aber wir k\u00f6nnen jede einzelne davon kennenlernen und die beste Option entsprechend unserer aktuellen finanziellen Situation und den Vorteilen der Karte ausw\u00e4hlen. Deshalb helfen wir Ihnen heute bei der Wahl zwischen der Afinz-Karte und der BTG+-Karte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lesen Sie also weiter, um mehr \u00fcber die Funktionen sowie die Vor- und Nachteile dieser beiden Karten zu erfahren. Lass uns gehen!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1uYVAX\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-afinz\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie die Afinz-Karte\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1da6729d-1221-4989-a451-e700679c09d4\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-afinz\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"So beantragen Sie die Afinz-Karte\">\n            So beantragen Sie die Afinz-Karte        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            M\u00f6chten Sie erfahren, wie Sie die Afinz-Karte mit einer App und Rabatten auf Termine beantragen? Lesen Sie also diesen Beitrag, um Schritt f\u00fcr Schritt zu lernen!\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-afinz\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-afinz\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/1da6729d-1221-4989-a451-e700679c09d4\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                So beantragen Sie die Afinz-Karte              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-o-cartao-afinz\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ywcu0\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Wie beantrage ich BTG+-Kreditkarten?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/64db6315-12f5-4a99-b9a3-6e0fddbb5759\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-os-cartoes-de-credito-btg\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Wie beantrage ich BTG+-Kreditkarten?\">\n            Wie beantrage ich BTG+-Kreditkarten?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            M\u00f6chten Sie wissen, wie Sie BTG+-Kreditkarten beantragen und eines der besten Cashback-Programme auf dem Markt nutzen k\u00f6nnen? Seien Sie sich also sicher, dass Sie hier richtig sind!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Weiter lesen            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/64db6315-12f5-4a99-b9a3-6e0fddbb5759\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Wie beantrage ich BTG+-Kreditkarten?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Afinz-Karte<\/strong><\/td><td><strong>BTG+-Karte<\/strong><\/td><\/tr><tr><td><strong>Mindesteinkommen<\/strong><\/td><td>nicht informiert<\/td><td>nicht informiert<\/td><\/tr><tr><td><strong>Rente<\/strong><\/td><td>R$ 227,88<\/td><td>Befreit (Basisoption)<\/td><\/tr><tr><td><strong>Flagge<\/strong><\/td><td>Visa<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Dach<\/strong><\/td><td>International<\/td><td>International<\/td><\/tr><tr><td><strong>Vorteile<\/strong><\/td><td>Bis zu 40 Tage Zahlungsfrist<br>Zusatzkarten mit 50% Jahresgeb\u00fchrenrabatt<br>Du hast ein gutes Programm<\/td><td>Invest+-Programm (optional)<br>Abhebungen im Banco24Horas-Netzwerk<br>Mastercard-\u00dcberraschungsprogramm<\/td><\/tr><\/tbody><\/table><figcaption>Aber welche Eigenschaften haben diese Karten \u00fcberhaupt?<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-afinz\">Afinz-Karte<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, como funciona o cart\u00e3o Afinz? Fonte: Afinz.\"  id=\"41271\" src=\"https:\/\/ucarecdn.com\/150144bf-846a-4cb9-ab04-8b81c34d80b2\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Aber wie funktioniert die Afinz-Karte \u00fcberhaupt? Quelle: Afinz.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie auf der Suche nach einer Kreditkarte mit Vorteilen sind, mit der Sie sogar Geld sparen k\u00f6nnen, haben Sie die beste Alternative gefunden. Denn mit der Afinz-Karte erhalten Sie Erm\u00e4\u00dfigungen auf Pr\u00fcfungen, Medikamente und sogar Online-Kurse im Bildungsbereich.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dies geschieht, weil Afinz \u00fcber das Voc\u00ea Bem-Programm verf\u00fcgt und \u00fcber dieses Programm Rabatte bei mehreren Partnerunternehmen im Gesundheits- und Bildungsbereich bietet, mit dem Ziel, Kunden, die bei Afinz ein einzigartiges Erlebnis erleben, einen qualitativ hochwertigen Service zu bieten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus verf\u00fcgt die Karte \u00fcber eine internationale Abdeckung, d. h. Sie k\u00f6nnen au\u00dferhalb Brasiliens reisen und weiterhin die Afinz-Dienste nutzen. Au\u00dferdem profitieren Sie garantiert von den Vorteilen der Visa-Flagge, die auch in mehreren L\u00e4ndern akzeptiert wird.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mit der Afinz-Karte k\u00f6nnen Sie also mehrere Vorteile in nur einem Finanzprodukt nutzen. Lesen Sie weiter, um weitere Informationen zu erhalten.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-btg\">BTG+-Karte<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, afinal, como funciona o cart\u00e3o BTG+? Fonte: BTG+.\"  id=\"41272\" src=\"https:\/\/ucarecdn.com\/4737234a-9cc3-41e5-929e-cef3f47f1617\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Aber wie funktioniert die BTG+-Karte \u00fcberhaupt? Quelle: BTG+.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Erstens wird die BTG+-Karte von der BTG+-Bank ausgegeben, sodass das Institut drei Modelle von BTG+-Karten herausgibt, n\u00e4mlich die BTG+ Black-Karte und die BTG+ Op\u00e7\u00e3o Avan\u00e7ada-Karte, bei denen jeweils eine Rente erhoben wird, und die BTG+ Op\u00e7\u00e3o B\u00e1sica-Karte, \u00fcber die wir hier sprechen werden und f\u00fcr die keine Rente erhoben wird.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wie bereits erw\u00e4hnt, wird f\u00fcr die BTG+ Basic Option-Karte keine Jahresgeb\u00fchr erhoben. Auf diese Weise m\u00fcssen Sie sich keine Gedanken \u00fcber die Zahlung einer Geb\u00fchr machen, um die Dienste der Karte aufrechtzuerhalten. Allerdings betr\u00e4gt die revolvierende Verzinsung etwa 101 TP3T pro Monat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus verf\u00fcgt sie wie die anderen BTG+-Karten \u00fcber eine internationale Abdeckung, d. h. Sie k\u00f6nnen in Brasilien und in anderen L\u00e4ndern einkaufen sowie Zahlungen und Finanztransfers und andere Dienstleistungen t\u00e4tigen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus verf\u00fcgt die Karte \u00fcber die Marke Mastercard, die weltweit am meisten akzeptiert wird. Wenn Sie Ihre Karte im Mastercard Surpreenda-Programm registrieren, erhalten Sie 1 Punkt, wenn Sie damit Eink\u00e4ufe t\u00e4tigen, unabh\u00e4ngig vom Betrag. Und ab 5 Punkten k\u00f6nnen Sie diese gegen Pr\u00e4mien eintauschen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-afinz\">Welche Vorteile bietet die Afinz-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zu den Vorteilen der Afinz-Karte geh\u00f6rt die internationale Visa-Flagge, mit der Sie \u00fcberall auf der Welt Eink\u00e4ufe t\u00e4tigen k\u00f6nnen. Dar\u00fcber hinaus k\u00f6nnen Sie an Programmen wie Vai de Visa teilnehmen und weitere Vorteile wie Kauf- und Preisschutz, Reiseversicherung und Visa 24-Stunden-Unterst\u00fctzung genie\u00dfen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus erhalten Sie auf die von Ihnen bestellten Zusatzkarten einen Rabatt von 50% auf die Rente und k\u00f6nnen Ihre Eink\u00e4ufe auch in beliebig vielen Raten bezahlen, was f\u00fcr mehr Sicherheit in Ihren Finanzen sorgt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus nimmt es am Voc\u00ea Bem-Programm teil, das Ihnen Erm\u00e4\u00dfigungen auf verschiedene Bildungs- und Gesundheitsdienste bietet, die Sie nutzen und dabei Geld sparen k\u00f6nnen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-btg\">Welche Vorteile bietet die BTG+-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sprechen wir also \u00fcber die Vorteile der BTG+ Basic Option-Karte. Zun\u00e4chst verf\u00fcgen Sie \u00fcber die BTG+-Bankanwendung und k\u00f6nnen \u00fcber diese eine Erh\u00f6hung des Kartenlimits beantragen, Ihre Rechnung einsehen, Ihre Karte entsperren und Ihre Transaktionen durchf\u00fchren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus akzeptiert die Karte auch N\u00e4herungszahlungen und Sie k\u00f6nnen die virtuelle Karte bereits verwenden, bevor Sie die physische Version des Plastiks erhalten. Bedenken Sie au\u00dferdem, dass Sie keine Rente zahlen und nicht einmal ein Mindesteinkommen nachweisen m\u00fcssen, um auf die Karte und die Dienstleistungen zugreifen zu k\u00f6nnen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sie k\u00f6nnen jedoch am Invest+-Programm teilnehmen, bei dem ein Teil Ihrer Ausgaben in Investitionen umgewandelt wird. Wenn Sie sich jedoch f\u00fcr das Programm in der Basisversion entscheiden, wird eine monatliche Geb\u00fchr erhoben. Das hei\u00dft, die Rente ist nicht mehr steuerfrei und Sie m\u00fcssen R$ 30,00 pro Monat zahlen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-afinz\">Welche Nachteile hat die Afinz-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zu den Nachteilen der Afinz-Karte z\u00e4hlen die Rentengeb\u00fchr in H\u00f6he von R$227,88 und die fehlende M\u00f6glichkeit einer Befreiung von diesem Betrag.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ebenso wie bei Kreditschutzagenturen die Anforderung besteht, dass es keine Beschr\u00e4nkung des CPF gibt, sollten Sie bei negativer Einsch\u00e4tzung nach anderen auf dem Markt verf\u00fcgbaren Kartenoptionen Ausschau halten.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-btg\">Welche Nachteile hat die BTG+-Karte?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Da wir immer noch \u00fcber die BTG+-Karte sprechen, wollen wir den Nachteil erw\u00e4hnen. Der Nachteil der BTG+ Basic Option-Karte ist zun\u00e4chst die j\u00e4hrliche Geb\u00fchr, die erhoben wird, wenn Sie sich f\u00fcr das Invest+-Programm entscheiden.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Und wenn Ihr Geld auf dem Konto stecken bleibt, wird es Ihnen au\u00dferdem keine Rendite bringen, d. h. es sind Banktransaktionen erforderlich, damit sich der Vorteil lohnt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar\u00fcber hinaus f\u00fchrt die Bank BTG+ trotz der Basisversion eine Bonit\u00e4tsanalyse durch, bevor sie den Kartenantrag genehmigt.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-afinz-ou-cart%C3%A3o-btg-qual-escolher\">Afinz-Karte oder BTG+-Karte: Welche soll ich w\u00e4hlen?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nachdem Sie nun die Eigenschaften, Vor- und Nachteile der Afinz-Karte oder der BTG+-Karte kennen, k\u00f6nnen Sie diese zun\u00e4chst sorgf\u00e4ltig analysieren und ausw\u00e4hlen, welche der beiden Karten Ihren Erwartungen am besten entspricht. Dar\u00fcber hinaus verf\u00fcgen beide \u00fcber eine internationale Flagge und exklusive Vorteile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Wenn Sie jedoch immer noch keine Entscheidung getroffen haben, m\u00fcssen Sie sich keine Sorgen machen, denn im empfohlenen Inhalt unten finden Sie einen weiteren Vergleich zwischen Karten. Kasse!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2dMkfm\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/de\/cartao-acesso-ou-cartao-btg\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Zugangskarte oder BTG+-Karte: Welche soll ich w\u00e4hlen?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0b8f0bd3-2eb4-4888-bd13-c8102b99df4d\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/de\/cartao-acesso-ou-cartao-btg\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Zugangskarte oder BTG+-Karte: Welche soll ich w\u00e4hlen?\">\n            Zugangskarte oder BTG+-Karte: Welche soll ich w\u00e4hlen?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            W\u00e4hrend eine der Optionen ideal f\u00fcr diejenigen ist, die einen schmutzigen Namen haben, ist die andere f\u00fcr diejenigen gedacht, die dar\u00fcber nachdenken, in eine gro\u00dfe Bank zu investieren. 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/de\/cartao-acesso-ou-cartao-btg\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Weiter lesen                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie bleiben auf der gleichen Website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>W\u00e4hrend eine der Alternativen ideal f\u00fcr diejenigen ist, die eine verg\u00fcnstigte Karte bei verschiedenen Unternehmen, einschlie\u00dflich Arztpraxen, suchen. Der andere wurde f\u00fcr diejenigen gemacht, die nach Investitionen suchen. Sehen Sie sich also den Vergleich zwischen der Afinz-Karte oder der BTG+-Karte an und w\u00e4hlen Sie die beste Option.<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[790,794,2175,1534,2176],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Afinz ou Cart\u00e3o BTG+: qual o melhor? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Confira o comparativo entre o cart\u00e3o Afinz ou cart\u00e3o BTG+ e opte por um deles. Ambos possuem bandeira internacional e aplicativo digital. 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