First of all, why choose between the Bahamas card or the BTG+ card, right?

Although there are other credit cards on the market, both options have bureaucracy, low rates and interest-free installment opportunities, which is very useful, isn't it?

While many people have difficulties finding a good credit card because they have a low score, for example, the Bahamas card has a chance of approval for non-defaulting creditors who are rebuilding their credit score.

On the other hand, the BTG+ credit card is a new idea for investors, especially those who understand little and want to start investing little. BTG+ offers initial investments of R$30.00, making it more accessible to any audience.

So, if you are looking for a credit card with national coverage, which has a digital account, few fees, chances of interest-free installments, both are ideal!

However, only BTG+ card customers can make international purchases. So, without further ado, follow with us more details of both cards and compare which one is best for your case, to actually decide!

You probably don't know the Bahamas Group, so let's introduce you. In summary, since 2005 the group has had a credit card and acts as a card administrator, with food and fuel card options, for example.

Not only that, the company has more than 21 years of experience and owns a supermarket chain, launching in 2020 the Bahamas Cred, a credit card with easy analysis and low annuity.

This means that customers can shop online and also in physical stores, in more than ten million establishments and also in one of the 56 units of the network's supermarkets, which offer exclusive discounts for card customers.

Finally, the Bahamas Card has a credit analysis, but when you are already a customer, approval is easier, and when it happens, the customer is free to choose between six expiration dates, in addition to paying an annuity only when the limit is used. credit.

First, the BTG Pactual bank was founded in 1983, with the aim of having a portfolio of clients who were interested in investments, in addition to asset management and administration of investment funds.

Due to this profile, the BTG Pactual bank recently created BTG+, to enter the digital banking market once and for all and offer a credit card with application transactions, low fees, but without losing its characteristic of being an investment bank.

Therefore, BTG+ card customers can invest in a fixed income fund of their choice, as long as they authorize discounts of minimum percentages per month. In this sense, Invest+ was created, where you spend on your credit card and have part of the amount invested.

In addition, the card works as a digital wallet, and can be registered with Google Pay or Apple Pay to pay for subscriptions to streaming or apps, such as iFood, Uber and Spotify, for example, that is, it has a very wide international credit.

Even if you have a basic credit card option, Rede Bahamas also offers a card for companies, dental plan, food or fuel card and even the possibility of agreements with companies. So, see more advantages below.

For the BTG+ credit card to be useful, you need to know its advantages and features in detail, such as Invest+, where the customer opts for an investment fund that only grows with the use of the credit card, so, see more below.

As much as it has numerous advantages, the Bahamas card is not interesting for those who are not customers or who do not have stores nearby, as this way, it will only be possible to enjoy the benefits of the Elo flag.

In addition, you will pay an annuity regardless of the option chosen, whether for individuals or companies, another issue is the interest rate, which is very high when you have to pay the bill in installments, so try to pay on time so as not to have to pay this and other fees.

Anyway, some of the most interesting advantages are for options that require annuity payment and a high amount of investment in the bank to be accessed. The Black card, for example, charges a 12x annual fee of R$ 90.00, but offers access to VIPS lounges at airports and the highest cashback, with 1% of expenses returned.

Without a doubt, regardless of the option, Invest+ is interesting, but it is only when there is movement in the account or on the credit card that the amount is sent to the fund, that is, the credit limit or stopped amount does not yield.

But, after all, did you manage to choose between the Bahamas card or the BTG+ card?

In short, while one is ideal for domestic purchases, it does not require a high score and has an Elo flag. The other is Mastercard, which encourages investments and does not charge any annuity for the most basic version, which can be ordered online.

Furthermore, the tip is to choose the one that has more to do with your financial moment, and answer the question: which one will suit me more in terms of purchases, but also, in relation to financial organization?

Finally, if the decision is still difficult, rest assured, as our team has prepared yet another comparison with credit cards for negatives, low annual fees and international purchases, so stay with us and check out this dispute!