Initially, the Superdigital Card or Nubank for negatives are card options with security, a digital account and various offers for users such as international coverage, annuity waiver and even benefits such as 24-hour bank withdrawals and bill payment directly via cell phone.

Then, we will show you all the services of the two cards, as well as the advantages and disadvantages they have, so that you can analyze and see which is the best option for you. Check out!

Initially, the Superdigital card is the ideal card for people with name restrictions. This is because it does not do credit analysis and also does not provide proof of income, that is, anyone can have access to the Superdigital credit card.

So, Superdigital offers two credit cards: the prepaid Mastercard Internacional and the virtual one. With regard to the prepaid Mastercard Internacional, it allows you to make purchases anywhere in the world, withdraw money from Banco 24 Horas networks and also participate in the Mastercard Surpreenda program.

Well, as it is a prepaid card, you need to put money in your Superdigital account to be able to use it. That is, when making purchases with the card, you use the credit function, however, the amount is deducted from the account balance, as if it were a debit function.

And there is also the virtual card, which allows you to make purchases in online stores safely and conveniently, as you can deposit only the amounts necessary for the purchase on the card, reducing the chances of being cloned.

The fact is that, as it is virtual, there is no ATM withdrawal function like the prepaid Mastercard.

Therefore, the Superdigital card is a card that allows you to choose between two models, prepaid Mastercard Internacional and the virtual card, and also has a modern and super beautiful design!

Well, the Nubank card is also full of offers and options for users. This is because it is a good option for people, as it is easy to apply for, does not have an annuity and requires a minimum income of only one minimum wage.

And in addition, Nubank has international coverage, that is, you can shop in national and international stores and, under the Mastercard brand, which entitles you to participate in the Mastercard Surpreenda program.

Another advantage of Nubank is that this partnership with MasterCard makes possible the existence of two types of the same card, which differ in their advantages: Gold and Platinum. And, to apply for the card, you just need to be over 18 years old, CPF and be in good standing with the Federal Revenue Service.

Therefore, the Nubank card is also a card option for people with negative credit, which has several advantages, as we will show later.

Well, let's get to know a little about the advantages of the Superdigital card:

And in addition to all these advantages, the Superdigital card also entitles you to 1 free monthly withdrawal or transfer to other banks; 1 physical card; 5 additional cards.

Among the advantages of the Nubank card, we have: Initially, the exemption of fees and annuity. Another advantage of Nubank is not having to prove a minimum income and being able to control all finances through the app.

Also, you can get discounts by anticipating the installments and blocking or unblocking the card through the Nubank application. You can also help the credit limit directly through the app and make approximation payments.

Among other advantages, you can change the due date of the invoice; it is not necessary to have a bank account and guarantees access to Nubank Rewards. Therefore, Nubank has several technological functions to bring more comfort to users.

Initially, the first disadvantage is that the customer cannot count on pre-approved credit, that is, purchases can only be made with an available balance on the Superdigital account, and it is not possible to pay for purchases in installments.

Another disadvantage is that the customer will always need to recharge to use the Superdigital card. Also, to have the digital account it is necessary to buy above R$500 per month to be exempt from the annuity of R$9.90.

That is, in the month in which the customer does not use this amount, he will have to pay the annual fee. And, at the time of the request, to have access to the card, it is necessary to top up any amount by means of a bank slip, in order to have access to the card.

Well, one of the disadvantages of Nubank is that it charges a fee of 4% for use abroad and for purchases in foreign currencies. And besides, it doesn't accumulate miles and brings some obstacles to the approval that usually takes time.

Another disadvantage of Nubank is the difficulty in increasing the card limit and the fines for late payment of invoices. This is because, when the customer delays the payment of the invoice, the late interest is from 3.75% to 15% per month and the fine is 2% on the invoice amount.

Therefore, Nubank despite having several advantages, it also has disadvantages that can cause some problems for users. So, do a good analysis to know if it's worth it or not!

Well, the Superdigital Card or Nubank Card are credit card options for those looking for security, quality services, international coverage and various offers that bring comfort, transparency and practicality to customers!

But if you're still having doubts, we've separated another analysis for you to take a look at the recommended content below!