After all, what is the best way to decide between the Access card or the CEA card?

In short, it’s about gathering as much information as possible about both! With this in mind, we created a comparison about each of them, so that you can choose the one that best suits your financial profile, but also provide credit purchases for those who can no longer do so!

While the Access card is a prepaid modality, without the need for links with bank branches and few fees, giving negative people the opportunity to subscribe to Netflix, Spotify and make credit purchases abroad, which is very interesting!

On the other hand, the CEA card is ideal for store customers who want discounts, pay in up to 5 interest-free installments, and can even withdraw from their credit limit and pay in 24 installments, for example.

Furthermore, they are cards aimed at different profiles, but which serve those looking to make purchases on a credit card, whether national or international, and thus be able to take advantage of benefits from the respective credit brands. So, stay with us!

Firstly, the Access card is prepaid and does not require any credit analysis or minimum income, making it really useful for anyone over 18 years of age, in addition, you will be able to pay bills and make transfers without any banking connection.

In order to give negative people the opportunity to purchase via credit, this card can be the solution for subscriptions to Netflix, Spotify, Amazon Prime, among others. Mainly because it has a Mastercard brand and is accepted in thousands of establishments abroad.

Immediately after placing the order, the customer can activate the card with R$ 100.00 and start recharging monthly to use the credit modality, but purchases cannot be paid in installments using prepaid credit cards.

Not just a credit card, but also an ally in the financial organization, the Access card is easy, requested online and works when recharged, freeing the customer from any debt, which is interesting for negative people, isn't it?

Not only one of the largest retail stores in the country, but also one of the credit cards with the greatest advantages are some definitions related to CEA, which has three credit card options associated with the Bradesco bank, or, Bradescard.

Firstly, the CEA Gold card has a Visa brand, allows international purchases, offers a discount of 10% on the first purchase and interest-free installments of up to 5 installments, in addition to the benefit of withdrawing from the credit limit and paying in installments over up to two years.

Secondly, the CEA Elo card, which has free Wi-Fi worldwide, the same discounts mentioned above, 50% discount at Cinemark, additional cards and exclusive Elo promotions, as well as the third option, the Elo Grafite.

With three options and many advantages, the CEA card is especially useful for store customers, who in the long term save on purchases and are also able to frequently increase their limits, which are divided between withdrawal and credit.

Once you order the Access card, you will be able to purchase in credit mode without any proof of data or credit analysis, compared to more traditional credit cards, of course. So, see more advantages below.

Since it is a store card, the CEA card is also useful for those who need to make national and international purchases using credit, after all, it has brands and three options to choose from, so check out more details below.

Even though accessing credit with a bad name is useful, don't expect to pay for large purchases in installments with your prepaid card, after all, this type of card only allows cash purchases in the modality regardless of location, be it internet or physical stores.

In addition, the Access card has numerous fees for use, such as a monthly annual fee when recharging, a payment of R$ 100.00 for activation and a payment of R$ 2.50 if the recharge exceeds R$500.00.

Finally, if the top-up is done with a deposit there is also a fee, which for those looking to save money, may not be interesting, right?

Unlike other credit cards associated with stores, this one has a short interest-free installment, that is, when it exceeds 5 installments, the customer bears monthly interest rates related to their purchases.

If you happen to check the rates, you will notice that the annual fees for the cards available are high: the customer pays at least R$173.88 per year for the most basic version of the CEA card, and without international coverage, for example.

Since there is a withdrawal limit, be aware that fees can reach R$ 12.00 for each withdrawal made, and paying these withdrawals in up to 24 installments will generate interest of 17.90% per month, so pay attention to the table Rates available on the institution's website.

As soon as you started reading, did you have any idea that it would be difficult to choose between the Access card or the CEA card?

Likewise, many people are in doubt, as they don't know which card fits their needs and also their financial situation, so, in short, we have two options that suit those who want to make purchases on credit.

However, the Access card does not require credit analysis and can be used to pay for subscriptions or even as an ally for the financial organization, while the CEA card is aimed at store customers with a clean name.

As a result, all you have to do is access the websites and make the request, but if that hasn't been possible yet, stay with us! Therefore, below, we present another comparison that can help you with this difficult decision and finally choose the ideal credit card! So, just click!