After all, Magalu card or Marisa card, which would better meet the needs of internet purchases?

Thinking about it, we created this comparison to help you make the best decision. While the Magalu card is ideal for those looking to purchase home appliances, market products and electronics, the Marisa card is for another audience.

However, it is a great option for those who always need to increase their wardrobe on a low budget, that is, it is an affordable credit card, with good limits, without the need for a minimum income and with almost no bureaucracy.

Although the Marisa card with a credit card option is currently unavailable, this is a great way to innovate your clothes. On the other hand, the Magalu card already offers purchases in other locations and international credit card.

Also, without further ado, have more details of these two store credit card options and decide which one best fits your needs, taking into account your financial situation. Let's go!

Although many stores decided to stay away from credit brands and not associate with banks, Magalu did it differently and created a credit card very close to traditional bank cards, since it has an international credit flag and an application for movement.

In addition, for regular Magalu customers, the card increases advantages, such as installments of up to 24 installments without interest and no annuity payment, as well as being able to participate in the Cliente Ouro program.

Just to exemplify, this program always offers an extra product for free in the midst of kits, exclusive discounts, removes shipping costs and you can even find out about promotions before other consumers.

Finally, the Magalu card has cashback on every purchase, that is, whenever you use the card you get 2% of the value back, not to mention that you can also buy at other stores, such as Zattini, Época Cosméticos and Netshoes, that is, to who needs a credit card, this is a good option.

Even though the Marisa card does not have a credit card in the most basic option, it is a source of savings for the customer, since it charges a very low annual fee (not even five reais) and also offers installments of up to 12 installments without interest, with minimum installment of R $14.99.

In addition, it offers a good limit for those who do not have a minimum or fixed income, just have a clean name, for example. In addition, the Marisa card can be used in the virtual version for purchases on the store's website, without fees or charges other than those that exist.

Mainly for those who are going to apply for the card for the first time, it has the chance of the first payment of installments to take place in up to 100 days without any interest, if there is an installment payment of more than seven installments, for example.

Finally, have access to the largest women's store in Brazil without breaking the budget, with chances to buy underwear, casual, for work at a price much lower than found in other places, maintaining the necessary quality.

First, in addition to being the credit card of one of the largest retail stores in the world, it offers a credit card for purchases in other stores and also abroad, as if it were a traditional credit card. Also, see other advantages!

Especially for frequent shoppers, the Marisa card is affordable, does not have many criteria for its approval and does not weigh heavily on customers' pockets, since it has a low annual fee. See some more benefits below.

Although it appears to be a good option, the Magalu card has some disadvantages, including the delay in receiving cashback amounts, which can take up to 20 days.

Furthermore, it is a card that has a credit brand, but unlike traditional credit cards, it does not accumulate points to be exchanged for miles or products, that is, it offers advantages to be used only in the store, which is complicated, it is not same?

Finally, it's money that comes back, but that can only be spent on Magalu products or partner clubs.

While many store cards offer the possibility of international purchases, the Itaucard version of the Marisa card has been unavailable for some months, that is, only the most basic card for use in the store can be requested at the moment.

Although it has a low annuity, it does not accumulate any points during use. Another unpleasant point is that many customers complain about Marisa's service, saying that many phone calls, such as cancellations or questions, are flawed.

Finally, even with no minimum income requirement, the store asks for proof of income and performs a credit analysis like any other credit card coming from stores, which reduces possibilities for younger customers, for example.

After all, after being fueled by the details, which credit card will be most useful for your financial situation?

Just to exemplify, the Magalu card can be used for any purchase in credit mode, being useful for streaming subscriptions, such as Netflix and Globo Play, and also for international purchases.

On the other hand, the Marisa card is one of the easiest to obtain on the market, does not require a minimum income and also gives access to a cheap store, with a reasonable limit and high interest-free installments.

Furthermore, if even with our explanations you were in doubt between the Magalu card or the Marisa card, don't worry! Our team has prepared another comparison to help you on this journey of choosing the best card, so check it out below!