After all, would the Access card or Digio card be ideal? While one is prepaid, the other has no fees.

In order for you to have access to the prepaid card, you just have to ask for it on the website or purchase the physical card in some stores. At this point, you need to activate it by paying some fees.

This means that you will be able to buy credit with a bad name and even pay for Netflix, Amazon Prime and Spotify, but without being able to pay for these purchases in installments.

On the other hand, the Digio credit card requires credit analysis, but does not have bureaucracy or rigid analysis to guarantee approval of the digital account with credit modality.

Furthermore, see more details about these two cards that have excellent reviews from their users, mainly because they are low cost, so stay with us!

The credit card is an ally of financial life and when you lose the right to buy on credit, a world of possibilities closes.

Therefore, those who are negative end up suffering from a lack of approval, failing to pay simple things like monthly fees for Netflix, Spotify or even ride-sharing or food apps, like iFood.

Since prepaid cards exist, this public started to buy again, and in the case of the Access card, paying few fees only when recharging and, also, without making bank commitments.

Furthermore, the Access card includes other bank transactions and is only activated through top-ups, that is, use it when you really need it and don't get hung up on installments.

Not just a credit card, but also a digital checking account, the Digio card charges few fees to the customer, who has easy credit and no bureaucracy.

This means that you just have to go to the website, place the order, wait for the credit analysis and have a good pre-approved limit, with the chance to buy in installments in international stores, for example.

Consequently, the Digio customer also participates in DigioCashback, when they earn cash back when making purchases, not to mention that there is also a discount in which you receive up to 60% discount on purchases at partner establishments.

To conclude, the Digio account yields more than savings, allows withdrawals and transactions on the Banco24h network and is a bantech, with all technology attached, such as contactless payment, early withdrawal without leaving home, etc.

So that you don't miss any details, we have separated more advantageous information about the Access card, including the non-charging of fees when there is no top-up, so see below.

Since it is a card similar to others of the same style, we have separated the most beneficial differences contained in the Digio card, including the possibility of cashback on each credit purchase, so follow the details below.

As much as the advantages, it is important to highlight the disadvantages of the Access card, including the amount of fees to be paid, for example, R$ 5.95 for card maintenance.

Furthermore, if the top-up is greater than R$ 500.00, there is also a fee of R$ 2.50 for exceeding the limit set by Access. Furthermore, it will never be possible to pay in installments for any purchase using credit, only cash payment.

Whether you like it or not, for the Digio customer it is not very advantageous to wait that long to receive the card and start using the credit modality, because the average wait is 30 days between request, analysis and arrival of the physical card.

Even though no fees are charged, there are payments for withdrawals on the Banco24h network, that is, if you need emergency money, you will have to pay 7.90% per month + IOF whenever you withdraw money from your credit card.

Finally, were you able to obtain information and decide between the Access card or the Digio card?

In short, we brought a prepaid card that does not require credit analysis, gives the chance to make credit purchases and does not have any bureaucracy, with orders made online and fast arrival.

On the other hand, the Digio card is very cheap in terms of fees, but it requires proof of income and does not accept customers with a bad name, being a little more limited in terms of credit for negative customers.

Not only a card, but also an ally of the financial organization, credit cards need to be chosen with patience. So, if you haven't made a decision yet, don't worry! Below, check out more details about credit cards and increase your options!