First of all, the Americanas card or the Vooz card are two credit products that offer you greater purchasing power, in addition to exclusive benefits. So, despite not having many similar features, they are interesting alternatives for those looking for financial freedom and security to make their purchases.

In this sense, we have brought you special content with the information from these two cards. Thus, you know a little more about them and can evaluate their positive and negative points before choosing the best option to leverage your financial life. 

So, don't waste your time and continue reading below!

First, Lojas Americanas SA is one of the main retail companies operating in the country. Founded in 1929, it now has more than 1,700 stores spread across several states throughout Brazil and offers its customers thousands of products from almost every segment available on the market.

So, one of the products available is the Americanas card. In partnership with the Cetelem bank, the product recently underwent a brand change and is now issued through Mastercard. 

Thus, despite being a store card, it is flagged. Therefore, it is accepted in any commercial establishment that is accredited with the flag. However, it is more advantageous for those who shop frequently at Lojas Americanas. That's because it offers several benefits such as easy installments, exclusive offers and discounts, points program and much more! 

In addition, it has the Mastercard brand and has national coverage. Their annual fee is R$ 15.70 per month on the holder's card, but they offer an annual fee exemption when requesting an additional card. 

First of all, Vooz is a product provided by Sicoob, which is now the largest cooperative financial system in the country. In this sense, the card is only available to customers who are members of the institution. So, to guarantee yours, you first need to join Sicoob through payment of quotas.

By the way, you can choose between Visa and Mastercard brands, and both have international coverage. In this way, you can make your purchases in physical or virtual stores in Brazil and in the world with great practicality and security. Vooz also offers approximation payment technology and the invoice is 100% digital.

Furthermore, the annual fee is R$9.90, but with just one purchase per month you are free to pay this monthly fee to the bank. In addition, the initial limit is R$1,000.00, and you already leave with the card in hand when requesting yours directly at an agency.

Well, we can highlight as the main positive point of the Americanas card its loyalty programs. Starting with Mais Sorriso, which is a benefit where you accumulate points and can exchange the accumulated score for gift certificates in the store. In addition, you have the option of registering your card with AME and earning cashback on a number of selected products.

In addition, you also have the Mastercard Surprise program, and you can also exchange points accumulated on purchases for rewards or discounts at hundreds of restaurants and Mastercard partner stores.

So, with the Americanas card you have access to exclusive discounts and offers both in physical stores and on the company's website. And, with Mais Limite, you can get up to 2x the value of your credit limit for purchases in Americanas in installments. 

Incidentally, Americanas also offer the option of cash withdrawals through the Banco24Horas network self-service terminals or deposit into your current account using WebSaque. However, it is important to pay attention to the interest on these transactions before requesting the service.

Well then, Vooz is a product designed for those who like technology and prefer to solve their financial issues without having to leave their homes. That's because all card management is done through an exclusive application.

So, another attraction of the card is that the initial limit is R$1,000.00. Thus, you already have a guaranteed value for your purchases, and it can be even greater depending on your income. In addition, the cooperative offers the option of an express card, and you already have it in hand when requesting yours at any Sicoob agency.

Furthermore, the Visa and Mastercard brands are a reference when it comes to credit cards. And with the international coverage offered by both, you can shop at millions of establishments around the world. Even with just one purchase per month on the card, you are free of the annual fee of R$9.90.

So, one of the main negative points of the card is the annual fee. That's because there are other similar products on the market that offer similar benefits and don't charge any monthly fees.

In addition, proof of monthly income of at least one minimum wage is required. That way, if you are self-employed or cannot prove fixed income, it is difficult to get approval. 

Furthermore, the card does not have international coverage, which limits its purchasing power, and it also has one of the highest revolving interest rates in its category, with 19.99% per month.

Certainly, being a card intended only for Sicoob members counts as a negative point. That's because you can only order yours if you have a credit union membership, which can be a bit bureaucratic.

In addition, the credit analysis carried out by the cooperative is thorough and evaluates several factors, such as the status of your CPF with credit protection agencies, as well as your relationship with the cooperative and your financial history.

Well, despite being two credit products, the Americanas card or the Vooz card have different characteristics, in addition to being aimed at different audiences. So, if you are looking for a store card with benefits, such as discounts on products, offers and loyalty programs, the Americanas card can be a great option.

But, if you are a Sicoob member and want a product with international coverage, easy to control through digital means and with a good initial credit limit, the Vooz card is the best choice. 

Therefore, evaluate the products well and make a comparison weighing the pros and cons of each card. That way, you find out which option best fits your financial needs and take the first step towards achieving even more purchasing power!

And, if you're still not sure if these alternatives are what you're looking for, let's help! Then check out the recommended content below with another credit card comparison made just for you!