Firstly, choosing between the Unicred Gold card or Zencard card will give you the chance you need to access a credit card with an international brand, low fees and application functionality.

In short, the Zencard card is for negative customers who need an option to pay via credit. In other words, there are no consultations at SPC and Serasa to request this card. In fact, use it for online purchases and in stores outside Brazil.

On the other hand, the Unicred Gold card has the benefits of the Mastercard brand, such as a points and accumulation program that generates exchanges for products or airline miles. In addition, there is movement and monitoring via application.

Furthermore, both cards are ideal for those looking for immediate approval and little bureaucracy. Therefore, follow the comparison and ask any questions related to the options. Let's go!

The Unicred Gold card was created by the Unicred cooperative, which has existed for 32 years. So, in this version the customer has the advantages of a Gold customer and benefits of the chosen brand. In other words, decide on Mastercard or Visa.

Furthermore, this card is an option for international purchases or installments in any physical store, as well as online. On the other hand, you need to open an account and wait for a credit analysis to get the Gold card. In fact, Gold versions usually require a higher income.

However, Unicred does not provide this information to the customer. Furthermore, after approval, operate the account via the application and make inquiries or withdrawals at Unicred terminals. Therefore, whenever you have problems with your accounts, you can resolve them in person!

The most important thing is that this option gives you more time to pay. In other words, while most invoices must be paid within 30 days, this one allows 40 days for payment. Additionally, have additional cards to share expenses with whoever you want.

Finally, take advantage of the Mastercard Surpreenda or Vai de Visa programs, which guarantee discounts at thousands of partners. On the other hand, take advantage of the Unique Rewards Program to accumulate points and exchange them for miles or products.

Firstly, this is a pay-as-you-go option. In other words, there is no way to pay in installments. However, you can pay via credit for national and international purchases. Furthermore, it is the ideal card for negative customers who need the modality, mainly to pay for Netflix or Spotify, for example.

So, even if you have restrictions, you can use the card, as it does not carry out credit analysis. Therefore, load your card with the amount to be spent and make purchases in cash. Furthermore, this card can help you obtain personal credit.

Recently, the company entered into a partnership with Credluz, which provides credit to negative people. Therefore, once the money is released, use it as a credit limit. So, take advantage of this card and also monitor your digital account through an app.

It is possible to request this option without leaving home. In other words, go to the Zencard website and wait for the card to arrive. After that, release it through the app and enjoy. Finally, it is possible to withdraw the money inserted into the digital account.

In conclusion, this option is ideal for negative individuals who need credit, which is so essential for various transactions. Plus, get Mastercard benefits and much more!

Among the main advantages of Unicred Gold is technology. In other words, the card has contactless payment, has a complete application in which you control your finances and also receives a digital invoice.

Additionally, take the opportunity to make international purchases and enjoy the cooperative's rewards program. In fact, with this program you accumulate points and exchange them for cashback, services or products, in addition to airline tickets.

On the other hand, also take advantage of one of the points programs offered by the brand, such as Vai de Visa or Mastercard Surpreenda. Additionally, have emergency withdrawals and cards, as well as extended warranty insurance, purchase and price protection.

The most important thing is that this card gives negative access to purchases with a credit card. Furthermore, it is ideal for trying to borrow, even with restrictions, through Credluz, a Zencard partner company.

What stands out is that this loan does not disrupt your financial life, another advantage. In fact, the installments are deducted from the electricity bill, and you pay with peace of mind.

Additionally, enjoy the brand's benefits, such as the Mastercard Surpreenda program, for example. Furthermore, take advantage of discount clubs and secure coupons to purchase at a reduced price from partners.

We highlight that only those who open a bank account with the cooperative will be able to take advantage of this Gold version. Furthermore, most Gold cards require an income above the minimum wage, so be careful when applying.

Another disadvantage is that only people with a clean name can apply for a credit card. In other words, there is credit analysis and presentation of documents. Finally, it is also not advantageous to have to go to the branch to request this card, which is required by the cooperative.

As it is a prepaid card, Zencard customers cannot pay in installments, unfortunately. Additionally, there are some fees that can be heavy on this card, for example.

If you need to withdraw from the limit, there is a fee of R$ 6.90. On the other hand, there are also charges for refills. So, pay three to four reais to insert money via deposit or at the lottery. Finally, there is a monthly expense of R$7.90 for using the card. Finally, pay R$1.50 each time you transfer between prepaid cards.

By the way, was it difficult to choose between the Unicred Gold card or the Zencard card? Certainly, they are cards full of advantages and that fit different financial profiles.

In short, the Unicred Gold card is for members who need a credit card with a high limit, as well as advantages related to rewards programs and available brands. However, the client must have a clean name and a high score.

On the other hand, the Zencard card is the solution for negative people. Certainly, many missed the chance to purchase credit with a bad name. So, this prepaid option comes as an easy way to pay for Netflix, Spotify and other applications, for example.

Therefore, before deciding, look at your financial situation, in addition to your CPF status. Only then will you know which option is ideal. Also, evaluate your priorities: do you want to pay for small purchases every month or do you want a high limit for travel and courses?

Finally, don't worry if the decision is still difficult. In fact, there is other recommended content below to make your choice easier. So stay with us!