Currently, there are many types of cards on the market, and one of them is the Afinz card and the Dotz card. This variety tends to confuse consumers who are looking for their credit options. However, not everything has to be so complicated.

Therefore, follow our article now to understand more about two specific cards: Afinz card and Dotz card. The first has a special focus on customers looking for credit, while the second seeks to serve consumers on duty.

Read on to find out which card is the best!

The company Sorocred emerged in Sorocaba in 1991 with the aim of facilitating access to credit for both consumers and regional retailers.

With all this time in the market, it was possible to build a certain credibility in the market. In this way, more than 1 million establishments accept Afinz and its services.

Speaking of services, the Afinz card has some very positive points, as in addition to financing and an easy, fast credit card with a good limit, customers also have access to:

However, not everything is rosy, because in order to guarantee quality services, Afinz needs its users to pay the annual fee and some fees for their respective cards.

The Afinz card charges an annual fee of R$227.88 to be able to offer good credit limits, as well as more up-to-date credit services.

To issue the 2nd copy of your card, you will need to pay R$15.99 for each new issue, so take good care of yours.

You can freely pay your purchases in as many installments as you want, but be careful not to overdo it because if there is any delay in paying the invoice, the following interest will be charged:

When we talk about the flag of these cards we have Visa. It has more than 30 million partners. To request the Afinz it is necessary to go to a nearby physical agency. After that, you control the card through the App for Android and iOS.

Dotz is a points program that has been operating in Brazil for a long time and with the great wave of credit cards, the company also entered this market. The financial institutions responsible for issuing and managing the processes related to the Dotz card are Banco do Brasil and Banco BV.

The Dotz card is a little more versatile than the Afinz, as here we are talking about two card types: BV and BB. In addition, there is the possibility to choose between the two largest flags in the world: Visa and Mastercard.

Both brands have some exclusive advantages and special services such as 24-hour emergency service, insurance, guaranteed lowest price on purchases and card replacement in emergencies. 

In addition to participating in one of the programs: Vai de Visa or Mastercard Surprise. 

People who want to be part of the Dotz family need to fill out a form on the card's website or on the Banco do Brasil or Banco BV apps that are available for Android and iOS.

After that, the institutions will analyze your data and decide whether the card is available or not.

We already know that Sorocred is now Afinz and most of the benefits are still valid for this new face of the company, however we have some news.

For this reason, we are going to detail the main advantages that you have when purchasing an Afinz card.

Firstly, you have the possibility of using the Você Bem program, in which you have access to discounts on the purchase of medicines and online courses.

In addition, invoices have a period of up to 40 days to make the payment, so you have a little more time to fulfill your commitments.

With the Afinz card it is possible to request additional cards with up to 50% discount on issuance.

The last advantage worth mentioning is the possibility of paying in installments even after full payment.

The main advantage of the Dotz card is the accumulation of points. That's because you can acquire these points by buying both in physical stores and online, because for every R$3.00 in purchases you earn 1 DZ.

With the accumulation of Dotz you can get to the point of exchanging these points for airline tickets, promotions and other entertainment.

Speaking of annuity, the issuing bank charges a small fee of R$18.90 per month. Even so, this should be analyzed, as in some circumstances it is even possible to exempt the payment of the annuity due to monthly expenses. 

In addition, you can gain very interesting benefits by keeping your annuity payments up to date. 

Another advantage is that it is much faster to accumulate points in Dotz than in other conventional points programs.

With this card you have access to exclusive deals on airline tickets and deals of up to 70% at partner establishments.

Let's highlight the most striking disadvantages that we found in this product, ok? Firstly, the Afinz card does not have a points or cashback program, this is a factor that weighs heavily on consumers.

Second, we have the annual fee which, as it is not high, is a negative point in competition with other cards. And finally, there is the need to go to a physical agency to apply for the card, as it would be much simpler to apply through the app.

When we stop to analyze the Dotz card scenario, there aren't a lot of negative points to point out. However, the most relevant factor is the minimum income requirement for the application and the amount of the annuity, even with the possibility of exemption with minimum expenses.

In summary, on the Afinz card we have a range of services that reach more the public interested in credit and some accessibility for small entrepreneurs. While Dotz maintains its focus on the consumer public, bringing a strong and attractive points club.

You've come this far but still not convinced that the Afinz card or the Dotz card is one of the best options for your financial profile? Don't worry, as we separate comparisons of other cards available on the market that may interest you. Then, check out another text in the recommended content below.