After all, Ibicard card or Itaú card? Learn more about them in this comparative text.

Although many people prefer to migrate to digital banks, traditional financial institutions try to adapt to the news by creating more modern options, without bureaucracy and offering more and more advantages.

Thus, the Ibicard card, from the Bradesco bank, arrived to absorb that public that is often denied a credit card application. That is, it has a low score and even a negative name, for example.

On the other hand, we have Itaú cards, which offer types for each financial profile and the customer has the security and advantages of being a bank customer. That's because it has digitally transformed itself to also be the preferred bank for young people.

In addition, we are going to compare the Ibicard card or the Itaú card and detail their characteristics, in order to help you have a broad, useful and clear credit card that allows you to spend safely and pay in installments without abuse. Therefore, continue reading and check out our comparison.

While Bradesco bank offers numerous types of credit card that do not allow negatives. The Ibicard card arrives to attract people who have reasonable monthly incomes without any credit opportunity.

Therefore, this card was purchased by Bradesco a few years ago and has some important characteristics, such as the payment service for bills that have an initial period of 40 days to pay, participation in Mastercard brand programs, in addition to accumulating points.

However, it does not require proof of income or bureaucracy for credit approval, which according to our research takes just a few days.

Furthermore, when choosing between the Ibicard or Itaú card, the first option appears as hope for those who have lost purchasing power for some time and need credit for basic items, such as payment for streaming services or ride-sharing apps.

Undeniably, the tradition of Banco Itaú has only been confirmed over the years. Mainly because of the ever-increasing number of customers: the latest figures show more than 55 million customers with active accounts. Therefore, the more types of accounts and cards, the more the number goes up.

Eventually, you will come across countless types of Itaú bank cards, some suitable for higher income profiles, others not so much. In this case, we will specifically talk about the Itaú Click card, which is the most popular option and is ideal both for those who are starting their financial life and for those who are just looking for something different and safe.

Therefore, the Itaú Click card has the iupp points program: for every R$1.00 spent, you accumulate points and can exchange them for products on the iupp website. Also, don't even worry about paying an annual fee or not having to increase your limit: the more you use the Itaú Click credit card. This is because from the third month onwards, you will be able to initiate requests for an increase in the limit.

Furthermore, this card will not be easily approved for those with a low score or negative name, unlike the Ibicard option. So, when choosing between the Ibicard card or the Itaú card, analyze your current financial situation.

While many cards quickly deny the attempts of people with a dirty name to place orders, the Ibicard card usually accepts. Also, check out other benefits below.

Although it may be difficult to approve, opting for the Itaú card is important for those looking for security and association with physical banks. This is because whenever there are emergencies, you will have the support of the bank branches closest to you, so see other advantages in requesting an Itaú Click card below.

Although the advantages are excellent for those looking for credit, the Ibicard card appears to be a not so good solution when you don't have an income, as the approved limit can be very low.

It is also not possible for the customer to order the card over the internet, that is, they have to go to an Ibi store to make the request, while other digital account options allow requests and approval without leaving home. In addition, it has high rates, including the rotary rate, which can reach 18%.

It is certainly not possible to offer only advantages to the customer, therefore, the Itaú card could improve in some aspects to become more attractive, one of them is that the denial of credit approval is very quick only when the customer has a low score, for example.

Finally, the minimum income requirement of R$2,000.00 excludes many people, for example. In addition, as much as the advertising says about the free annual fee, if you don't spend R$100.00 monthly, you can pay an annual fee every month, so spend a lot to enjoy the benefits.

Previously, we separated the main details of these cards with similar profiles, but designed to benefit different audiences, that is, when choosing between the Ibicard card or the Itaú card, remember that the negative name will prevent the request for the second option, so test the other.

Finally, armed with information, now the choice is up to you! Still, if the decision wasn't clear, don't worry! Our team has prepared another comparison of cards that have zero annuity and few fees below. Were you curious? Then read on with our recommended content.