Although there are other options on the market, why not choose between the Acesso card or the BTG+ card?

Undeniably, those with a dirty name have reduced or almost zero chances of getting credit. However, there are safe and advantageous options for you to be able to buy on credit and without bureaucracy.

So, prepaid cards and some digital accounts came up with these proposals, such as the Acesso digital account, which allows international purchases, does not check with the SPC or Serasa and charges few usage fees, which appear when the card is recharged.

On the other hand, there are those who are not negative and are looking for different and safe options, such as the BTG+ account, from BTG Pactual. While many accounts only store your money, this one makes it work and even offers cashback between three card options.

Without further ado, let's make a more detailed comparison between the two options, which are basically ideal for those who want low rates and payment in the form of credit for streaming subscriptions or ride-hailing apps, for example. Let's go!

Many people suffer without being able to use a credit card, others end up finding the solution in prepaid cards, such as the Acesso card, which is ideal for subscribing to streaming services such as Netflix and Amazon Prime. 

However, it is necessary to follow some rules to have access to the Acesso card, such as paying a monthly fee when recharged and to validate it you will pay a fee of R$100.00 and then you will be able to use it.

Although it has the credit modality, it is not possible to make purchases in installments with it, but any purchase on credit and also payments in international stores thanks to the Mastercard brand.

In addition, the Acesso card can be ordered on the website, where you can also check the rates and where you can purchase it in person, for example. Therefore, when deciding between the Acesso card or the BTG+ card, look at your needs and whether you have a high score.

By chance, you've already heard about the BTG Pactual bank, which has become one of the largest investment-focused banks in the country, thanks to customers who are also investors in the financial institution.

However, it was necessary to reach other audiences, so the BTG+ digital account was created with three credit card options, ranging from the most basic to Black, which has a monthly income requirement of R$ 15 thousand.

In short, the most basic option is affordable and can start several people in the world of investments, as the amounts moved in the account automatically become part of a fixed income fund, that is, the bank itself invests for you.

Know that you can make purchases in stores abroad and in any other on the internet, or even physical stores, with large installments and low interest rates, so get to know the BTG+ card better by requesting it through the website and moving your account through the application.

While many cards require opening an account to use the digital version, this card can be used without any proof of income or credit analysis, just buy it. So, find out about other advantages of this prepaid option.

As you use the BTG+ card, you accumulate more amounts to invest and also receive protection in specific situations, so follow these and other advantages of the BTG Pactual bank option below.

Firstly, the Acesso card does not allow purchases to be paid in installments and requires some extra expenses for its operation, such as the monthly payment of R$5.95 annuity and R$2.50 if top-ups are over five hundred reais.

In addition, there is also a fee when top-up is done by deposit, in addition, pay R$6.50 to access the credit function, not to mention the payment of R$ 100.00 just to activate the card. Remembering that this last amount can be used by you later on purchases.

Finally, the Acesso card has many fees that need to be considered when ordering, as it is not difficult to find the physical version for purchases in stores.

Although it is interesting to participate in Invest+, there is an important detail: if the money is stuck in the account, it does not earn, that is, you need to make bank transactions to access this benefit.

Furthermore, even though it has more basic versions, the BTG+ card performs a thorough credit analysis, searching your data at known credit bureaus, such as SPC/Serasa, which may prevent some accesses.

Therefore, to take advantage of all the benefits of the credit card, mainly related to investment, it is necessary to have a minimum income for the Black version, which can be difficult for some cases, right?

So, what will be your decision, the Acesso card or the BTG+ card?

Previously, you had details about the two options that are ideal for purchases in the credit mode, one for those who are negative and the other for those who are thinking of moving forward, that is, starting with investments.

In order for it to be the best option, observe the financial conditions and how credit cards can handle your case before placing the order, so that there are no credit attempts denied, right?

Even so, don't worry if you haven't decided on the ideal credit card. While you were reading this comparison, our team was preparing another one with options without annuity, with credit and low fees, not forgetting international purchases. So, check it out below!