How about deciding between the Atacadão card or the Acesso card to make any type of purchase using credit?

If you needed a credit card but couldn't get one because your credit score was bad, know that this happens to many people.

Therefore, prepaid cards are ideal for this audience, since they do not require proof of income, credit analysis or a high score. On the other hand, it is not possible to make purchases in installments, as is the case with the Acesso card.

In contrast, the Atacadão card requires proof, but allows customers to make purchases in installments, as well as receive discounts on various items in stores throughout Brazil.

This means that you can buy more products for less money just by having the Atacadão card. In addition, there are several other advantages, which we will detail throughout the text.

So, follow us to find out information, advantages and disadvantages of these two credit card options.

How about having a credit card that allows you to make cheaper purchases each month and can be used in any establishment, including abroad?

In fact, Atacadão is the largest wholesale chain in the country, with 250 stores, which has a variety of products that reaches 10 thousand.

After the customer undergoes a credit analysis, they receive a branded card, pay for specific items in installments without interest and have access to personal credit, in addition to bill installments.

In addition, you can withdraw from your credit limit by paying some fees and also participate in all market promotions that can be seen on the website.

Additionally, apply for the card online, wait for approval and use the approved limit for large purchases, whether for your business or family.

Not having the chance to buy on credit is very difficult, since many people need streaming services, in addition to international purchases, for example.

With the Acesso card, the customer does not have to prove income, submit documents or go through bureaucracy, unlike most traditional banks, even digital ones.

This means that you just need to place your order online, wait for the card to arrive and unlock it. To do this, you must pay the issuance fee without top-up of R$14.90 or make an initial top-up of R$100.00 without issuance fee.

The options range from a virtual card to a physical card. In addition, anyone over the age of 16 can apply and open a digital account, then simply top up.

Furthermore, the Acesso card is prepaid and does not allow installments, so it is recommended for international purchases in cash or for paying for Netflix, for example. It is also accepted for car rentals and any purchases in credit mode.

For those who are traders or have many people at home, the Atacadão card is an ally in monthly shopping, often offering many products at a lower price compared to traditional markets.

Just to give an example, among the main advantages we can highlight “buy more, pay less”, where the customer checks the shelf and can take a product for free for the price of two, for example.

Even if you don't find this type of advantage, you can also check out exclusive discounts on the shelves for those who already have the Atacadão card. In addition, you can access specific items with special installments.

Finally, the customer does not just have a supermarket card, but rather a wide range of options, with a high limit and credit card, allowing purchases at any online or physical establishment.

Once you make the request, you will quickly be able to access a credit card with an international flag, which can be used to subscribe to any product or service, including streaming services and applications.

You may have questions about the request, but know that it can be done online without leaving home, by managing your account using a free app.

The Acesso customer also does not have to worry about bills and only spends what was put on the card and, if necessary, can go to a Banco24h ATM to make emergency withdrawals.

Finally, although it has fees, they are not comparable to those of large banks, and it is a cheap and accessible card that even children from six years old can have their own card, which can serve as savings.

Since it is a supermarket card, the expectation is for numerous interest-free installments, which rarely happens in this case. Therefore, Atacadão customers need to be careful, since interest-free installments are available for some items and for a specific period.

Furthermore, don't expect it to have a specific points program, as the Atacadão card does not offer any loyalty plan or incentive for more purchases, which may not be interesting for those looking to save money in the long term.

Although it is ideal for those with bad credit, it is not possible to pay for any purchase in installments with this prepaid card, and it is only useful when the customer needs to top up.

What also draws attention is the amount of fees imposed on the customer, even if they do not exceed a pre-established recharge limit, that is, if the recharge is less than R$500.00 you will pay R$2.50 every month, not counting the annual fee.

We also highlight the recharge fee, which costs R$6.50 and two other fees, one for recharges of up to five hundred reais with an identified deposit and another via bank slip, being R$2.50 and 2.90, respectively.

So, we ask you, were you able to decide between the Atacadão card or the Acesso card?

In short, both are for purchases in credit mode, can be used in international establishments and have reliable brands, such as Mastercard and Visa.

However, they have some differences, such as installment payments, which are only possible with the Atacadão card, as well as credit analysis and proof of income, which come from the same card.

On the other hand, the Acesso card is for those who have a low score, restrictions on their name and do not want to commit to large banks, not paying monthly bills or high maintenance fees, that is, those who want to avoid debt.

That said, decide what is best by evaluating your financial situation, CPF status, score level and what is the biggest priority, whether it is to have greater savings on wholesale purchases or just pay for services like Netflix or Spotify, in addition to cash purchases on credit.

If you couldn't decide, don't worry! While you were reading this comparison, we prepared others thinking about the needs of most Brazilians, so don't give up on the ideal credit card and click below for more options.