Deciding between the Atacadão card or the Polishop card can be complicated, as both are ideal for discounted purchases, provide a high limit, as well as advantages for exclusive installments!

Therefore, follow this comparison with all the details about the cards, that is, advantages, disadvantages and information necessary for a safe choice!

Firstly, Atacadão is considered the largest wholesale chain in the country, with more than ten thousand products in 250 stores spread across Brazil.

The Atacadão card is requested online or directly in store. After approval, the customer makes purchases and can enjoy discounts even without a physical card.

This is because discounts appear on the shelves, meaning it is necessary to keep an eye on the advantages, including cheaper payment or getting more products for less money.

In addition, the Atacadão customer accesses personal credit, and if there is a financial problem, they can pay the invoice in up to 24 installments, with a simulation available on the website.

It is important to highlight that the card is not only used in stores, as it has the Mastercard International brand, so the limit can be spent on purchases from any store, including outside the country.

Finally, make purchases interest-free in installments and have more organization for large purchases every month without compromising your budget all at once.

With revenue reaching 1 billion reais per year, Polishop has become one of the largest retail companies in Brazil!

Known for the quality and innovation of its products, Polishop has become a reference, mainly because it has advertised on television for years.

Not just a large store with a catalogue, Polishop has a branded credit card that allows international purchases at any establishment and also has an exclusive points program.

This means you will always have discounts for having the Polishop card and you will earn points on each purchase, exchanging products on the website or accumulating them for other purposes.

Finally, it is a Mastercard brand card, so also enjoy the benefits of the brand and Itaú bank, which we will detail in more detail below.

Without a doubt, it is beneficial to make purchases with the card, as the discounts provide less spending for large families or merchants.

Among the main advantages, “take more, pay less” offers an extra item when shopping, in addition, it is possible to pay a lower price on several products thanks to the card.

Furthermore, when purchasing medicines, 10 interest-free installments are guaranteed for card customers at Drogarias Atacadão.

In this sense, it is also possible to split purchases of specific items, which are defined by Atacadão for a period of time and are informed on the website.

To give you an idea, products such as diapers, toilet paper and deodorant can be paid in 4 interest-free installments until the end of September, so check the website frequently to take advantage!

The card has an annual fee, but this charge can be waived if you spend at least R$1,500.00 per month, in addition, it is also possible to get discounts, with invoices between R$350.00 and R$750.00, with 25% and 50% discount, respectively.

On the other hand, there are also Itaucard benefits, one of which is the 50% reduction in the annual fee, that is, in the first year you pay only 12x of R$15.00.

Furthermore, it is possible to transform purchases into “Polypoints”, with each dollar spent, you accumulate points and control them through an application, which requires prior registration.

In this sense, points are used to purchase Polishop products, not just one, but combos with several products, which generates a lot of savings.

On the other hand, use Mastercard Surpreenda and Mastercard Concierge, with discounts in restaurants, stores and various services, so you can book trips online, with insurance!

Firstly, the card does not have its own points program, for example.

Since it is a credit card, the customer undergoes a credit analysis, needs to prove information and undergoes consultation at SPC/Serasa.

What also draws attention is that long installments are not possible, as only specific products have this advantage, which changes every month.

Finally, don't count on benefit clubs or plans to encourage monthly purchases, as the network doesn't have any.

The main disadvantage is the rigorous credit analysis, so the customer has their CPF consulted at credit bureaus, in addition to needing to prove income.

That said, there is also a minimum income requirement and proof of this, which is not possible for informal or self-employed workers, for example.

Furthermore, Polipontos guarantees discounts on purchases, but as long as a high amount is accumulated to make it really worth it.

So, were you able to decide between the Atacadão card or the Polishop card?

In short, both are for discounted purchases, promise quick approval, few fees, as well as more time to pay invoices in the case of the Polishop card.

If you prefer the first option, you will have invoice installments, personal credit, discounts and the possibility of paying less for more items.

On the other hand, the Polishop card gives access to innovative cost-benefit products, installments, accumulation of points and the possibility of free annual fees.

However, both require credit analysis, consult SPC/Serasa, define the limit based on proof of income, so it is important to observe these criteria before placing the order.

If you haven't chosen your favorite, don't worry, below, we've prepared another interesting comparison, so just click and increase the options!