Although they may seem similar, the Havan card or Shoptime card options have specific differences. While the first offers discounts, interest-free installments and does not charge monthly fees, the second charges some fees but has a credit flag, allowing purchases in other locations.

As you make purchases with your Shoptime card, you can earn cashback through AME, in addition to participating in Visa's points programs, which have been associated with the card since 2017. In addition, there is also a points program.

On the other hand, the Havan card is usually easier to approve, has no bureaucracy for cancellation and also does not associate the customer with contracts with credit brands, for example. Furthermore, it is interesting for those who have a lower income and need to buy a lot of products.

Finally, we will compare these two cards and provide more details about the benefits of each one. By the end of the article, you will certainly have enough information to choose the best one for your budget. Stay tuned!

Undeniably, Havan has become one of the largest retail chains in Brazil, with 161 stores in 2021. Therefore, it is a secure chain that is evolving in terms of product catalog, as they all enter a new branch to attract customers from time to time.

In fact, the growth of megastores was what made the Havan card possible, and since it was created, it has remained almost the same: offering zero annual fees or membership fees, discounts that reach 70% at times, installments of up to 10x without interest and a good period to start paying.

Furthermore, the Havan card application is made without bureaucracy, directly in the store or online, that is, expect quick approval and purchases immediately, since as soon as the limit is approved you will be able to use it even without the physical card.

Therefore, when comparing the Havan card or the Shoptime card, the first option is recommended for those looking for something basic, quick and that still results in saving money. Furthermore, being a regular customer of the store also increases the chances of approval.

While many people were growing up or getting old, Shoptime was one of the companies that was part of many people's lives. This is because in 1995 it started as a very popular telesales channel for other products, and as it grew, it became a direct seller itself.

Thus, the Brazilian company created a Visa credit card some time ago, meaning that the customer can take advantage of promotions on the website and, as a bonus, make purchases in other places as long as the limit is approved.

In addition, it participates in Ame cashback, that is, part of the value of the purchase made with the Shoptime card goes back to your account, not to mention that they give you 45 days to pay the first installment of products and, also, they offer the opportunity to withdraw your credit limit through the Cetelem app, telephone or Banco24Horas network.

Furthermore, when comparing the Havan card or the Shoptime card, the second choice becomes ideal when looking for a credit card with a brand, points programs and exclusive benefits on Shoptime products.

However, the Havan card appears to be a much cheaper option when compared to others of the same type, since it has no fees, which brings advantages when long installments are created. Below, see other benefits.

Although it may seem like a card that is difficult to get approved, the Shoptime card offers benefits that are worth the wait and is a less bureaucratic option than those offered by other stores of the same size. In addition, learn about some of its advantages below.

Although the Havan card meets some criteria, it limits consumers to purchasing only from the brand's network. Furthermore, if you live too far from one of the stores, you will not be able to get approval to make purchases through the website. In addition, see some other disadvantages below.

Without a doubt, the biggest downside for Shoptime card customers is not being able to make international purchases, while similar cards allow this use of the credit limit through the credit card brand. However, there are other disadvantages as well, such as those mentioned below.

Finally, now that you know both, were you able to decide between the Havan card or the Shoptime card? In short, one is ideal for those with a low income who want to make high-value purchases of products that Havan has without paying fees, that is, it is a basic card focused only on product purchases.

Once you realize the lack of attributes in this case, the Shoptime card is more complete in terms of finances, because it has national coverage, with a Visa flag, much longer interest-free installments and the possibility of saving in several aspects, even with cashback.

Furthermore, even though the information is there, we know how difficult it is to decide. Therefore, below we have separated another comparison made especially for those who are still in doubt! Check out more options like these below and add more ideas to your ranking. Remember to prioritize your financial situation and also your current needs.