Cards

Americanas Card or Magalu Card?

Learn a little more about the Lojas Americanas and Magazine Luiza cards, ideal for making purchases in a safe and practical way! Check out!

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Americanas x Magalu: which is better for your purchases?

Cartão Americanas ou Cartão Magalu? Imagem: Foregon
Americanas Card or Magalu Card? Image: Foregon

From the start, Magazine Luiza and Lojas Americanas were part of the group of the largest stores in Brazil. This is because they are highly sought after by consumers because they contain quality products and affordable prices for their customers.

Well, the stores also have a shopping card that aims to make shopping easier and thus make this moment more practical and safe.

So, the Americanas card and the Magalu card are card options for customers who want practicality and security when making their purchases! Therefore, below we will show some characteristics of the two cards. Check out:

AmericansMagalu
Minimum IncomeUnder credit analysisR$800
Annuity 12x of R$ 13.08Luiza Presencial Card 12x R$11.99 or R$143.88 at sight.
RoofInternationalInternational
FlagVISAMASTERCARD
BenefitsExclusive discounts and offers in American stores
Additional credit for installment purchases at Americanas stores
Card + Cashback: cash back for new purchases
Exclusive offers and installments up to 24x
Also, offers with 10% discount at the Magazine Luiza Offer Club
10% at Época Cosméticos
Mastercard Surprise Program
15% on the Netshoess website
15% offers off on Zattini products

How to apply for an Americanas card

In this quick article, you will find out exactly how to order your Americanas card in a practical way.

How to apply for Magalu card

Find out right now how you can apply for the Magazine Luiza card in a simple and hassle-free way, the process can be 100% online.

Magalu card

Cartão Americanas ou Cartão Magalu? Imagem: Foregon
Americanas Card or Magalu Card? Image: Foregon

Well, the Magalu card is a card that can be used in thousands of establishments in Brazil and in the world, including on international websites. In addition, it has the Mastercard brand, and therefore, its customers participate in the Mastercard Surpreenda program.

Another feature of this card is that it has the Magazine Luiza app and through the app, you can track all your purchases made using the Magalu card, bringing more convenience, security and clear balance when making your purchases.

Therefore, having a personalized card that allows you to make purchases in one of the largest retail chains in the world is certainly an excellent option, since you will be able to make purchases online, as well as in physical stores throughout Brazil.

Americanas Card

Cartão Americanas ou Cartão Magalu? Imagem: Diário do Rio
Americanas Card or Magalu Card? Image: Diário do Rio

Well, Lojas Americanas is a Brazilian company in the retail segment founded in 1929 in the city of Niterói, Rio de Janeiro and since then has become one of the largest chains in Brazil, currently having more than 1700 sales outlets across the country. .

So, with such a large network, nothing like a card to help consumers when making purchases in the network's physical stores, as well as online purchases. Hence the need for a card that came with the proposal to bring comfort to the customers of Americanas stores.

What are the advantages of the Magalu card?

Well, let's see the advantages of the Magalu card, which is part of the Magazine Luiza chain of stores:

  1. Initially, the first advantage is the international coverage of the Magalu card, which allows customers to shop at establishments in Brazil and around the world;
  2. Another advantage are the exclusive offers with the Magalu card and being able to pay purchases in up to 24 installments in stores and on the Magalu website;
  3. 10% discount at the Magalu Deals Club;
  4. Also, when shopping with the Magalu card on the Época Cosméticos website, you get a 10% discount;
  5. Another advantage is that by having Mastercard coverage, customers can register for the Mastercard Surprise program;
  6. In addition, you get 15% discount on the entire Magazine Luiza Netshoes website, as well as 15% on products sold and shipped by Zattini paying with Luiza card;
  7. Finally, another super exclusive advantage is the 15% discount on the shoestock website, also a Magalu store partner.

Therefore, it is a card full of advantages that go far beyond the advantages of shopping at the Magazine Luiza store itself. This is because the Magalu chain aims to bring its customers partnerships that allow them to enjoy various products from different segments, even if they do not have them in the Magalu chains.

What are the advantages of the Americanas card?

Well, let's see the advantages of the Americanas card:

  1. At first, the first advantage is the discounts and exclusive offers in Americanas stores;
  2. Another advantage is the additional credit for purchases in installments at Americanas stores;
  3. And in addition, another advantage is the exclusive installments in stores.
  4. Card + cashback, that is, you receive cash back in your account when shopping;
  5. And it is still accepted in all establishments that accept the VISA flag;
  6. Mais Sorrisos Program for you to accumulate points whenever you use the card and exchange it for products.

Therefore, it is a card full of advantages that go far beyond the advantages of shopping in American stores. This is because the network has partnered with several other companies to bring even more benefits to its customers who will have a safe and exclusive structure!

What are the disadvantages of the Magalu card?

Cartão Americanas ou Cartão Magalu? Imagem: Poder360
Americanas Card or Magalu Card? Image: Poder360

So, one of the biggest disadvantages of the Magalu card is the need for a minimum income of R$800 and the Luiza Presencial Card annuity 12x R$11.99 or R$143.88 in cash. Well then, when making your request, do a good research to find out if this card is a good alternative for you.

What are the disadvantages of the Americanas card?

So, one of the biggest disadvantages of the Lojas Americanas card is the credit analysis, that is, your request may be denied depending on the criteria that will be used by the stores. And the annual fee for this card is 12x R$ 13.08.

Furthermore, another disadvantage of the Americanas card is the fees, which appear for emergency credit assessments; revolving credit; withdrawals and others as we will show below:

  • Emergency credit assessment fee: R$ 18.90
  • Installment interest rate with CET of 18 to 24 installments: 1,99% per month
  • Revolving credit interest rate for invoice refinancing: up to 18,99%
  • Duplicate credit card: R$ 20.00
  • WebWithdrawal fee – single installment: R$ 13.90
  • WebWithdrawal Fee - Installment: R$ 22.00
  • Amounts charged for 24-hour bank withdrawal – single installment: R$ 13.90
  • Amounts charged for Banco24Horas withdrawal – installment payment: R$ 22.00
  • WebSaque interest rate – single installment: 17,99% per month

So, when making your request, do some research to find out if this card is a good alternative for you, especially if your financial situation is not stable.

Americanas Card or Magalu Card: which one to choose?

Well, the Americanas or Magalu cards are safe and interesting options for shopping at Americanas and Magazine Luiza stores, as well as having access to various advantages and exclusive offers corresponding to each of the cards.

Therefore, compare the two options and see which one best suits your needs, for example, in which of these stores you would like to be a customer with special offers. So, give the cards a try and let us know how it went!

Find out more about the advantages of the Americanas card

Learn about the main advantages and benefits that the Lojas Americanas card provides to its customers.

About the author  /  Joyce Viana

Graduated in Law from PUC Minas. Post Graduated in Criminal Law and Criminal Procedure by Faculdade Legale. She produces content for different niches, from recipes and finance to beauty and health. Since he was a child, he made writing his best friend, and he never stopped!

Reviewed by  /  Junior Aguiar

Senior Editor

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