It is undeniable that there are credit cards with very attractive proposals for different profiles in the market. However, if you are looking for a card with different payment terms, an international flag and an application to control expenses, then the Afinz card or Marisa card may be for you.

And, in addition, you also get other advantages in partner companies of Afinz and Banco Itaú (which is the issuer of the Marisa card). So, to learn more about the features of these cards and choose the best alternative, read on.

Afinz is a financial institution that offers services such as personal loans, financing and also credit card, which is the featured product in this comparison. Thus, in November 2020, Afinz launched the card in partnership with the Visa flag.

This is because the old cards made available by Afinz came with the Sorocred regional flag, which had several negative points, for example, not being able to shop in other locations.

And, in addition, with the new credit card you can also participate in the Você Bem Program, which provides discounts and advantages in different segments such as pharmacy, health and education, without having to pay anything extra for it, as long as you are an Afinz customer .

For example, the Você Bem Farmácia Program, created in partnership with the DPSP group, a leading retail chain of pharmacies in Brazil, provides discounts on the purchase of medicines. As well as the Você Bem Saúde Program, created in partnership with Tem, a private health services company, which provides access to consultations, exams and dental services at different prices.

For retailers, Afinz also offers differentiated treatment, providing customized solutions for each business based on the activity developed by the company. Thus, Afinz brings an experience independent of the customer's profile.

It is undeniable that Marisa stores are among the most traditional chains in Brazil with quality products from different segments, thus offering customers two credit cards, one without bank association and the other associated with Banco Itaú. Currently, Mbank, Marisa's digital bank, manages the cards.

So, customers using the Marisa card will now be able to follow their bills, find out the best day to buy and have access to promotions and discounts through Mbank, as well as being able to pay for their purchases in installments and take advantage of Marisa's offers first-hand through of the app.

So, with proximity technology, you don't need to insert your card into the machine to make your purchases, just approach it and safely and easily, you can buy without problems.

Likewise, now with the Visa flag, Afinz card users can shop at millions of establishments in more than 200 countries and can also participate in promotions and benefits exclusive to the Visa flag, such as the Vai de Visa rewards program.

And, in addition, you can know everything that happens with your card through the application. This is because through it it is possible to consult the invoice and card limit, identify the best day of purchase, make bill payments, such as electricity, internet and water, and several other functions.

In addition, as we mentioned earlier, it also participates in the Você Bem program, which entitles you, for example, to Você Bem Educação, which gives access to free courses and up to 80% discount at Instituto iNove, an online platform of education courses to distance (EAD).

Among the advantages of the Marisa card are the exclusive discounts and promotions that take place every day in the Marisa chain stores.

And, in addition, you can pay for your first purchase with a 10% discount and you still have up to 100 days to settle the invoice. In addition, you can also pay your purchases in up to 12 interest-free installments and get free shipping if you spend more than R$ 200.00 in the app. But it is worth noting that all these benefits are linked to purchases at Marisa stores.

Incidentally, we cannot forget that it is possible to waive the annuity if you spend at least R$ 1,500.00 per month on the invoice, as well as you can enjoy all the benefits of the brand, such as the Mastercard Surpreenda points program.

Among other advantages, you can also control everything through the Mbank app and you don't even need a physical card to shop online, as you can do everything through the app.

If you are looking for an annual fee-free card without credit analysis, the Afinz card is not for you. This is because Afinz analyzes whether there are restrictions on the customer's CPF, as well as charges an annuity to keep card services active.

Another disadvantage is that you need to look for an accredited establishment to order the card, that is, there is no possibility of requesting it online.

Unfortunately, the Marisa card also has negative points, such as credit analysis and the requirement to prove income, which, in turn, can make it difficult to access the card.

In addition, there is an annuity charge, but despite being a low amount, it is possible to exempt it if you spend at least R$ 1,500.00 per month on the invoice. Therefore, it is important to analyze very carefully all the pros and cons of each card before choosing the ideal one for you.

Now that you've seen the two alternatives, which one would be best for you: Afinz card or Marisa card?

Initially, both are cards with attractive proposals for purchases in the credit modality, for example, they can be used in national and international establishments. That way, you just have to check out the characteristics of each one to make the best choice.

But, if you were still in doubt, below we have another comparison between credit cards. So, click on the recommended content and read on!