Check the comparison and decide between the Afinz card or the Acesso card. Furthermore, if you are looking for a credit card that requires credit analysis, but has exclusive discounts and installments, Afinz is a good alternative.

On the other hand, if you are negative and are looking for a card without credit analysis, Access may be the best option as it does not require proof of income or a high credit score.

So, continue reading to learn about the characteristics of the two cards and make your choice. Let's go!

So, Afinz is a platform for financial products and services, including the Afinz card, which was created in partnership with the Visa brand. It is an international card that offers security, comfort and zero bureaucracy in the application, which can be made at any accredited establishment.

Furthermore, Afinz has the Você Bem Program, which is a program that offers health discounts to all customers free of charge.

Furthermore, through the Afinz app you can control all your credit card transactions, that is, make bill payments, check the best day to purchase, issue the invoice and also have access to discounts and exclusive conditions from Afinz .

However, before you can apply for the card, you will need to undergo a credit analysis carried out by the institution and the card limit will also be defined in this analysis. Therefore, we recommend that you have no name restrictions and a high credit score. However, if this is not your case, the Access card may be the best alternative.

If you have a bad name or a low credit score, the best card alternative for you is Access. This is because it is a prepaid card and the institution does not carry out credit analysis, meaning you do not need to prove income or anything like that.

To do this, simply go to the Acesso website or app, request the card and wait for it to arrive in the comfort of your home. However, you will need to pay the non-top-up issuance fee of R$14.90 or make an initial top-up of R$100.00 with no issuance fee.

This happens because Access is not a credit card, but prepaid, that is, to be used it is necessary to top up and you can only use the balance available on your card, hence the need to pay a first recharge.

Furthermore, the options vary between a virtual and physical card and can be requested by anyone over 16 years of age. Furthermore, as it is prepaid, Access does not allow purchases in installments, but works in credit mode, however, as if it were debit.

Among Afinz's advantages, you can request additional cards with a 50% discount, meaning the whole family can have access to the Afinz card, paying less.

You can also pay in installments for all your purchases and choose, depending on your financial availability, the number of installments you want to make the payment.

And, in addition, you can do all this through the Afinz app itself, safely, without having to go to a financial institution to check installments, issue an invoice, check the limit, block and unblock the Afinz card, among other features.

So, Afinz brings a unique experience to consumers, from requesting a card without bureaucracy to how to take care of their finances.

Initially, the most attractive advantage is the absence of analysis by credit agencies, such as SPC and SERASA, as well as the absence of proof of income. This way, it becomes a great alternative for people with a dirty name and low credit score.

And, in addition, the request for this card can be made through the website or app, completely online without having to leave home and all transactions can also be made through the app.

Just as you don't need to worry about the card bill as it is prepaid, as you only spend the available balance on the card and if you need to make withdrawals, you can go to a Banco24Horas network teller to make emergency withdrawals.

Furthermore, this card can also be used by children aged six and over, serving as a savings account.

You may have probably been interested in the Afinz card, but if you have a low credit score or CPF restriction, it is not the card for you. This is because Afinz carries out a credit analysis to release the card and the limit, so if it is negative, the request may be denied.

Furthermore, Afinz also charges a relatively high annual fee and there is no possibility of exempting it. Therefore, the ideal is to analyze the card very carefully before deciding to apply.

Initially, the Access card does not allow purchases in installments, as it is a prepaid card, so if you are looking for a credit card for this type of purchase, it is not the best alternative.

And, in addition, Access charges several fees even if it is prepaid, which is not the case with other options on the market. For example, if you do not exceed the pre-established recharge limit, that is, if the recharge is less than R$500.00, you will pay R$2.50 every month, not counting the 12x annual fee of R$5.95.

As well, there is also a top-up fee of R$6.50 and two other fees, one for top-up up to R$500.00 with an identified deposit and the other via bank slip, being R$2.50 and R$2.90, respectively.

Now that you have seen the two alternatives, which one would be best for you: Afinz card or Access card?

In short, both are cards for credit purchases, can be used in national and international establishments and have brands that can be used in millions of establishments.

But if you still can't decide, don't worry! In the recommended content below, there is another comparison between the Carrefour Card and the Atacadão Card so that you can resolve your doubts and choose the best credit card. Check out!