So, there are so many credit card options available in the market, that the choice ends up being difficult. In this sense, we have prepared content comparing the Carrefour card or the Zencard card so that you can learn about the main characteristics of both products.

Both the Carrefour card and the Zencard card offer exclusive benefits, such as discounts and the brand's reward program. Incidentally, the cards offer international coverage and are great options for those who need to shop outside Brazil.

In addition, continue reading to check the advantages and disadvantages, as well as find out which card is best for your financial profile. Let's go!

Initially, the Carrefour card is offered both under the Mastercard and Visa brands and has international coverage. Therefore, you can use it for purchases inside or outside Brazil. But be aware of the exchange rate!

In addition, the card is issued by the financial institution of the Carrefour network itself, Carrefour Soluções Financeiras. In this sense, the institution was created in 2007 and is approved by the Central Bank. So, don't worry, because you will be able to purchase a safe and quality product.

Although there are 5 different types of Carrefour card, today we will bring here the main features, advantages and disadvantages of the Carrefour Mastercard Gold card. In this sense, the card charges an annual fee of R$13.99 per month.

However, you can zero this fee if you make at least one purchase per month from the Carrefour network. By the way, the card offers many benefits for frequent customers of the stores and, if that's the case, it may be ideal for you.

First of all, the Zencard credit card is a prepaid financial product. It is worth noting that the partnership between Zencard and CredLuz resulted in a loan that can serve as a balance for the card. In this sense, you can opt for a personal loan that can be applied for by both individuals and companies.

In this way, the amount is credited to your Zencard balance and the installments are automatically debited from your electricity bill on a monthly basis. But it's important to mention that this credit is optional, if you don't want it, just load your card normally through a deposit.

In addition, its flag is Mastercard and there is a monthly fee of R$ 7.90, in addition to the acquisition fee of R$ 21.90. It is important to inform that you must use the card as a cash credit. Therefore, there is no possibility of splitting your purchases or making cash withdrawals if you use personal credit as your balance.

In addition, to request it, you can access the official Zencard website and fill out the membership form. That way, you can order your Zencard online, without leaving your home.

Well then, the Carrefour card offers several advantages for customers of the chain's stores. That way, with it you can have access to exclusive offers and discounts at Carrefour stores. In addition, card users can opt for special installments of up to 24 installments for some specific items.

Furthermore, if you fill up your vehicle at Carrefour Stations, you can make the payment within 70 days if you use the network's credit card. Incidentally, the card also offers some exclusive discounts at Carrefour pharmacies.

What's more, cardholders can also participate in the Mastercard Surprise program. Thus, you can accumulate points by making purchases of any amount with the card. In this way, you can exchange your points for vouchers for discounts on products and services.

First, the Zencard card has a monthly fee of R$ 7.90, that is, it is a low value compared to other cards on the market. In addition, it has international coverage and you can also use it for purchases abroad.

Furthermore, as it is a prepaid card, Zencard accepts negative payments. So, even if you have a low score or even a name restriction, you can get a Zencard credit for yourself. It is worth noting that it is possible to access the Discount Club, so you can get unlimited discount coupons at accredited stores.

In addition, Zencard customers can participate in the Mastercard Surprise benefits program. With the program, you can accumulate points on all purchases made with the flag card. So you can exchange your points for amazing rewards.

The Carrefour card or the Zencard card have several advantages, but they also have their negative points. So, check out what they are below.

Although it offers many benefits to its users, the Carrefour card also has its downside. Thus, the main disadvantage is the annuity charge. Even though you can exempt yourself from this fee, you are obliged to make at least one purchase per month at the network's stores.

In addition, Carrefour requires proof of income of at least one minimum wage when applying for the card. However, if you are self-employed and are unable to prove this income, your application for the card may be denied.

So, if you opt for Credluz personal credit, a negative point is the interest charged on installments. But, it is important to be clear that you are not obliged to purchase this financial product, as it is possible to load the card normally through a deposit.

Other disadvantages are that you will not be able to pay your purchases in installments or withdraw cash if you use personal credit. But, if you recharge the card through deposit, you can withdraw normally, however, in this case, there is a fee of R$ 6.90 per transaction. Furthermore, it has a monthly fee of R$ 7.90, as well as an acquisition fee of R$ 21.90.

So, if you followed our content, you already know that the Carrefour card or the Zencard card have exclusive benefits aimed at a specific target audience.

That way, if you are negative or with a low score and need quick help to get out of trouble, Zencard may be the ideal option for you. However, study the interest rates and installments for paying personal credit a lot or you could end up even more indebted!

However, if you shop frequently at Carrefour stores, the Carrefour credit card may be the right financial product for you. This is because this card guarantees exclusive discounts and offers for customers, in addition to installments up to 24 installments.

Now, if you are still in doubt about which card best suits your financial profile, then check out our content, below, with other options!