Cards
Access Card or Protest Card: which one to choose?
To decide between access card or protest card, know that both have an international flag and accept negatives. Check out more in our article!
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Access x Protest: which is better for your purchases?
Initially, the Proteste card and the Acesso card are models of rechargeable cards, which work with the existing balance in the account. That is, you cannot use the card if you don't have any balance in your account, which brings more financial security to users.
So, the Proteste card and the Access card are card options for customers who want practicality and security when shopping! Therefore, below we will show you some characteristics of the two cards so that you can choose the best model for you. Check out:
How to apply for a credit card Access
Requesting your Access credit card is very easy and simple. See how it works!
How to apply for the protest card
Learn all the steps to apply for the Proteste card, one of the best for negatives.
| Access | protest | |
| Minimum Income | does not require | does not require |
| Annuity | R$5.95 per month | Exempt |
| Roof | International | International |
| Flag | MASTERCARD | MASTERCARD |
| Benefits | Allows you to have more control of finances Various ways to recharge Free balance transfer between Access cards Control via website and/or app | Does not do credit analysis Annuity Exemption international coverage Covenant spending generates cash back Prepaid with no monthly fee |
Protest Card
Well, the Proteste credit card is a card that does not require a minimum income, and does not even consult credit bureaus such as SPC and SERASA, that is, ideal for negatives. That's because, that way, anyone can have access to the credit card.
And in addition, this card is prepaid, that is, you can only use the card if you have an available balance on the card, without having to pay a monthly fee or any other fee for it. Also, you don't need to have a bank account to apply for this credit card.
Another advantage of this card is that it has the Mastercard flag and international coverage, so it is accepted at any establishment that accepts the Mastercard flag, national and international online stores, bringing you even more shopping options.
Therefore, the Proteste card is full of functions and makes you even more secure with your finances, since there is no way to spend it if there is no balance available. So, this card brings several benefits to its customers, aiming at their convenience.
Access Card
Well then, the Acesso card is also a great option for negatives, as it does not require a minimum income and does not even consult the credit bureaus. However, unlike the Proteste card, Acesso charges a fee of R$5.95 per month, which may make it difficult for some people to have contact with this card.
And in addition, this card is also prepaid and thus only allows you to spend what is available on the card itself. So, it's ideal for people who still don't know how to handle finances in a controlled way, so they can only spend what they have.
Therefore, the Acesso card does not require a bank account, does not consult credit bureaus and even allows transfers between Access cards completely free of charge, however, it is necessary to stick to the fees and tariffs that are charged in other forms of transfer.
What are the advantages of the Proteste card?
Well, let's see the advantages of the Proteste card:
- Initially, the first advantage is the exemption of minimum income, bringing comfort to users;
- Another advantage is that you don't need to have a bank account to access the protest card;
- And in addition, the card is prepaid, that is, you need to have an available balance to use it and it has no monthly fee or even an annuity to be paid;
- As it is a Mastercard brand, it also has international coverage and can be used in national and international online stores;
- Spending on covenants generates cash back;
- Plus, you can accumulate points on purchases you make and earn various discounts with that and you can even exchange them for miles.
Therefore, the Proteste card brings several advantages to its customers who can count on a super functional card!
What are the advantages of the Access card?
Well, let's see the advantages that the Access card offers:
- Initially, the first advantage is the absence of a minimum income and consultation with credit bureaus such as SPC and SERASA;
- Another advantage is that the card does not require a bank account, so you can apply for the Access card;
- In addition, it also allows free balance transfer between Access cards;
- Another advantage is that if you want to stop using this card, you don't need to cancel it, just wait for the card to remain active, and the balance is not negative;
- Furthermore, the card exists in two modalities, the Chip Access Card and the Virtual Access Card, which is completely online;
- You can also control all your expenses through the Access card app;
- Card recharge through bank slip, debit account, identified deposit, DOC, TED and physical stores (the latter valid only for the Acesso Chip card).
Therefore, the Acesso card is full of personalized benefits for its customers that give access to unique and exclusive functions.
What are the disadvantages of the Protest card?
So, the disadvantages of the Proteste card are the fees charged. This is because fees are charged for withdrawals, transfers, recharges, among other services.
Furthermore, this card does not allow purchases in installments, which leaves consumers a little dissatisfied, as this is one of the most used functions on credit cards. And Proteste is also an exclusive card for members. Therefore, not all people can access this card.
What are the disadvantages of the Access card?
So, the first disadvantage we noticed in the Acesso card is that withdrawals and top-ups are limited, giving users fewer options. Another disadvantage is the rate of R$5.95 per month, which already makes everything a little more expensive.
Furthermore, another disadvantage of the Acesso card is that it does not allow for purchases to be paid in installments, that is, it removes one of the card's primary functions. Remembering that the Acesso card works more like a debit card and not a credit card.
Access Card or Protest Card: which one to choose?
Well, as we have seen, there are advantages and disadvantages in having both the Access card and the Proteste card. So, you need to assess your needs and lifestyle well, to know which one best suits what you need.
That's because, if you want to pay your purchases in installments, or if you just want to have a simple prepaid card, there are other better options than these. Also, if you want to become a member of Proteste, frequently use health services or establishments where the institution offers cashback, it could be a good option.
So, compare the options to make the best choice according to your financial life!
Discover the Protest Credit Card
The Proteste credit card is an excellent option for negative credit cards, and even offers a cashback program. So learn more about it here!
About the author / Joyce Viana
Reviewed by / Junior Aguiar
Senior Editor
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