Firstly, the Americanas card or the Zencard are two good options for those looking for an advantageous credit product to increase their financial capacity. In this sense, both offer the Mastercard brand and provide you with the benefits of the Mastercard Surpreenda loyalty program. 

But which of the two cards is the best? So, that's what we're going to discover in this special comparison we brought you. With it, you can stay up to date with the main features of the products, as well as the pros and cons of each card. This way, you can evaluate which one best fits your financial needs and improves your purchasing power!

So, continue reading to find out everything about the Americanas card or the Zencard card.

First of all, the Americanas card is issued in partnership with Cetelem bank and today offers the Mastercard brand to its customers. So, even though it is a store card, it has national coverage and is accepted at any commercial establishment accredited with Mastercard.

Therefore, the product offers several advantages, especially for those who frequently shop at Lojas Americanas. This is because, with it, you have access to several benefits, such as discounts and exclusive offers, as well as an extra limit for purchases in installments in the store. 

In addition, it has loyalty programs, such as Mais Sorriso, and you can earn cashback on selected products if you register your card with AME. Furthermore, it is also possible to be part of Mastercard Surpreenda and take advantage of all the advantages of this brand's points program!

An annual fee of R$15.70 per month is charged on the main card, but Americanas offers a monthly fee exemption on additional cards.

Firstly, the Zencard card is issued in prepaid mode. Furthermore, it has a partnership with Credluz, meaning you can request a loan to serve as your card balance. In this case, the Zencard works as a type of personal credit and the installments are paid through your energy bill.

Furthermore, you can pay the amount in up to 20 installments and the finance company does not allow withdrawals using this method. Therefore, you should only use it for credit purchases. It is worth noting that this loan is optional, as you can top up the card in the traditional way.

So, the card has the Mastercard brand and has international coverage. This way, you can make your purchases with peace of mind in any physical or virtual store in Brazil and abroad. But, as it is a prepaid card, you cannot pay in installments and the entire amount spent is used in the cash function. 

Furthermore, the request is made through the Zencard website, simply and without bureaucracy. The card has a monthly fee of R$ 7.90 and an acquisition fee of R$ 21.90, but is interest free. And after ordering, you receive the product at your address, already charged with the amount indicated at purchase.

Well, the Americanas card provides several benefits, especially for those who shop frequently in stores. So, if you fall into this category, it is a great option!

In this sense, when purchasing your card, you are part of the Mais Sorrisos loyalty program. With it, you accumulate points when you make your purchases and can exchange them for gift certificates in the store. Furthermore, when you register your plastic with AME, you also earn cashback on selected products.

So, Americanas offers you up to 2x the value of your credit limit with the Mais Limite program. This way, you gain more purchasing power for purchases in installments in the store and can take advantage of discounts and exclusive offers from those who have the card. 

Furthermore, with the Mastercard Surpreenda benefits program, you accumulate points for every purchase you make and can exchange the accumulated points for discounts at various restaurants and partner stores of the brand. 

Finally, Americanas knows that sometimes we need cash to carry out a transaction. Therefore, it makes withdrawals available in the credit function through any ATM in the Banco24Horas network. However, you can also request a transfer directly to your checking account through WebSaque. Incredible, isn't it?

First of all, we can highlight that it is the ideal product for those who have name restrictions. This is because it is prepaid, so the credit analysis is less rigorous and you can guarantee yours even if it is negative.

In addition, it offers international coverage under the Mastercard brand. In this sense, you can buy at any accredited establishment. And you can also take advantage of the brand's benefits, such as the Mastercard Surpreenda program, where you accumulate points when you make your purchases and can exchange them for discounts at hundreds of stores and restaurants. 

Furthermore, it is a prepaid card and this function helps you to better control your expenses. Plus, you can count on a discount club where you can earn coupons to buy at lower prices at partner establishments. This way, you save a little money to use on other purchases. 

So, in the same way that the card is an advantage for those who frequently shop at the store, it can be considered a disadvantage for those who do not have this habit. This is because most of its benefits are aimed at American customers, and if this is not your case, it may not be very interesting.

Furthermore, its coverage is only national and this limits your purchasing power. It is also worth highlighting that there is an annual fee of R$ 15.70 per month, however there are other similar products on the market that offer international coverage and do not charge any monthly fees. 

Furthermore, you must prove a monthly income of at least one minimum wage. Therefore, if you are self-employed and cannot prove your earnings, it is unlikely that your request will be approved. 

Well, we can highlight that one of the main negative points of Zencard is its interest rates if you choose to borrow from Credluz. This is because in this modality the installments are deducted from your electricity bill with rates that depend on the amount requested and also the number of times it was divided.

However, it is important to mention that this loan is optional, as you can top up the card in a traditional way. Another disadvantage is not being able to pay in installments and only having the cash credit function available. This dilutes your limit more quickly and restricts the purchase of products with slightly higher values.

In addition, there are fees and charges, such as a monthly fee of R$ 7.90, as well as an acquisition fee of R$ 21.90, among others. Therefore, you need to pay close attention to the details before deciding on the best card.

So, the Americanas card or the Zencard are interesting financial products. But, to choose which card is best for you, you first need to understand what you are looking for when purchasing a credit card.

So, if you want exclusive discounts and usually shop at Lojas Americanas, the Americanas card is the best alternative. But, if you have any restrictions on your name and are looking for a quick and hassle-free line of credit, Zencard is the best option.

Therefore, evaluate the pros and cons of the two cards to decide whether the Americanas card or the Zencard meet your needs.

And, if you still have doubts about which card is best for you, we will help you! Check out the recommended content below with another comparison and discover other available options!