If you are looking to apply for a credit card that has flexible monthly payments, but you still don't know which one to choose, perhaps the online BTG card is a good option.

From this card, you can access a points program or cashback program that makes the money from your purchases sent to an investment fund to earn more and more.

To offer all this, BTG Pactual has three card models that offer you exclusive benefits and allow you to make purchases abroad.

In the post below, you will learn more about the BTG card online and see what are the main advantages and disadvantages of this option.

The BTG bank offers the public three types of credit cards. Thus, you can choose them based on the benefits they have and the minimum income that needs to be proven.

But, regardless of the model you choose, you will be able to access the points or cashback program that the bank offers its customers, as long as you pay the additional amount in the monthly fee.

Therefore, to know the cards in more detail, check below for more information about each card option.

This card is the simplest online BTG card model where you can be completely free of monthly fees. However, it manages to offer interesting benefits for everyday life.

From it, you can access insurance and promotions that the bank offers. In addition to being able to opt for the Invest + program with an additional monthly fee, where you receive up to 0.5% of your investment expenses back so you can earn more in the future.

To apply for this card, it is necessary to open a BTG digital account for free and, thus, request the card through the bank's application.

Advanced is a more robust online BTG card option and made especially for those who travel a lot and want to do it with more security and support.

Thus, from this card, you can access travel insurance. In addition, you can opt for cashback of up to 0.75% on your card spending or through the points program.

Remembering that just like the previous option, these benefits have an additional value in the monthly fee.

To request it, it is necessary to pay an annuity of R$ 10 per month and carry out the process from the application.

Finally, the last online BTG card option that the bank offers is Black, where you can access the bank's most sophisticated benefits.

In addition, with this card you can access up to 1% of cashback on your purchases or a points program.

And for those who travel a lot, you can reach your destination more comfortably, as the Black option gives you access to the Lounge Key VIP rooms.

However, remember that these benefits must be paid separately. To apply for this card, you must pay an annuity of R$ 30 per month and, thus, make the request via the application after opening the account.

The online BTG card is an option that has emerged on the market to ensure that you have access to the best features of the card and only pay for them.

For this, all cards offered by the bank are known to have the modular card concept. In this way, they allow the user to only pay for the extra resources they use.

Thus, you can access points programs, cashbacks, annuity discounts and many other benefits from it!

Namely, the annuity that each of the online BTG cards have differs greatly from each other, since everything depends on the type of card and the benefits that the user requests.

But, each card has a minimum amount that can be charged on its annuity, namely:

Remembering that there is the possibility of exemption from the annuity depending on your monthly expenses or investments made in the bank.

At first, when we apply for a new credit card, the financial institution will carry out a credit analysis to define the limit value that can be approved.

In this sense, it is not possible to say exactly the limit that the BTG online card offers, since the value varies according to the financial profile of each person.

Namely, many banks today allow their customers to request a limit increase. This new value is analyzed and the institution informs whether it was approved or not.

However, in the BTG bank there is such an option. Here, what the customer can do is request Limite + to have a higher credit amount and, thus, defray some unforeseen expense.

After knowing more about the features of the BTG card online, we can start to consider this option better. After all, the card offers great benefits to customers.

But, is it really worth requesting the cards from that bank? To answer this, you need to know the advantages and disadvantages of this option. Check it out below.

The main strength of the online BTG card is that it offers benefits for all cards that are difficult to find in other credit card options.

In this way, it is possible that from any of the three options you can access one:

In addition to all that, you can still choose which benefits you will have access to and only make the payment for those you have decided to access.

Although the online BTG card has great positives, it also has some disadvantages.

Therefore, when accessing the card, you will need to pay a monthly fee for the benefits you want to use.

Thus, on the card each benefit has a fixed value, which can compromise your budget.

To apply for a BTG card online, you need to have opened a digital bank account. The digital account is completely free and can be opened through the bank's application.

So, after opening the account, you just need to enter the application and check which card the bank has released for you.

That way, you can request it and wait until the card arrives at your address! To know how the process happens in more detail, just check the following post that shows the step by step of this request.