The Magalu card or Polishop card are financial products with exclusive offers for customers who are part of the group of the largest stores in Brazil, Magazine Luiza and Polishop. Therefore, it is worth checking what are the advantages and disadvantages of these cards.

Also, follow our comparative text below.

So, the Magalu card is a financial product that is part of the Magazine Luiza group, which is one of the largest variety store chains in Brazil.

The Magalu card has a Visa flag and international coverage, that is, you can shop at national and international establishments in hundreds of partner stores of Magalu and the Visa flag.

Another advantage of this card is that, as it is a Visa card, users can access products, offers and discounts from the Vai de Visa program. And it also guarantees access to the Magazine Luiza app, where you can track all purchases made with the Magalu card.

Therefore, this financial product brings more practicality, security, transparency and convenience to Magalu customers, who also guarantee discounts at other partner stores of the brand.

If you are looking for a card to buy at the largest retailer in Brazil, then you are looking for the Polishop card.

That's because, through it you have a huge variety of products between appliances, furniture, gym equipment, tools, decorative items and several other products.

And, in addition, the card has a Mastercard flag and the limit will depend on the credit analysis, that is, you can have a high limit or not depending on your score.

So, the Polishop card, also called Experience Card Polishop Itaucard, was created through a partnership between Polishop and Itaú Unibanco, and can be used in more than 250 stores in the network throughout Brazil.

Therefore, for those who like to shop at Polishop, or are looking for quality products, this card may be the best alternative.

So, the Magalu card also has several advantages, the first of which is the fact that it is a card with international coverage.

That is, you can shop at national and international stores, as well as have access to hundreds of partner stores of the Magalu network and the Visa flag.

And, in addition, it is possible to have access to exclusive offers that can be paid in up to 24 installments at all Magazine Luiza stores.

Another super advantage is that, with the Magalu card, the customer also gets a 15% discount on the entire Netshoes website, as well as a 15% discount on products sold and sent by Zattini in purchases made with the financial product.

Therefore, the Magalu card has several advantages, but the most attractive is the partnership with other stores, such as Netshoes. This brings customers a variety of products that can be purchased through plastic.

Well, the Polishop card has several advantages to bring more comfort, practicality, security and loyalty to customers who like to buy on the brand's network.

In addition, the main benefit is the Polishop Points Program. That's because, with it, 5% of purchases are converted into polypoints which, in turn, can be used in future purchases at the brand's stores.

Another advantage is that the customer who owns the card also has up to 40 days to pay the invoice without interest. Furthermore, it is possible to make purchases at several other establishments in addition to the Polishop network, as well as make withdrawals at Banco24Horas.

In addition, you can order up to four additional cards. That is, the whole family can buy using the Polishop card. Too much, isn't it?

To close all the advantages, the card brings the Web Experience, which is an exclusive access platform for customers with several flash offers that you can take advantage of at any time.

So, the Magalu card also has some disadvantages such as credit analysis. This is because it is necessary to prove a minimum income of R$800.00 to have access to the credit card. Furthermore, this can be a hindrance for many people.

It is worth mentioning that there are several models in the market of cards with no annual fee, as well as no proof of minimum income, which for self-employed people and people with a dirty name becomes a better option than the Magalu card.

Also, if you have a low credit score, the chances of having your application denied also increase.

Therefore, when choosing a card to make purchases, see which of the options available on the market brings you the best deals.

Well, despite having several advantages, the Polishop card also has some disadvantages, such as the fact that there is a limit for purchases on the store's network.

That's because there are several other cards on the market with annuity waiver and unlimited limit.

And, in addition, Banco Itaú Unibanco also analyzes the customer's credit and then approves or rejects the card application.

That is, if you have a low credit score or a dirty name, your request may be denied according to the criteria used by the institution.

Therefore, before choosing to apply for this card, make a comparison with others on the market, to find out if it is the best alternative for you.

Well, the Magalu card or Polishop card are interesting options for shopping and accessing exclusive discounts and offers at stores like Magazine Luiza and Polishop. So do a comparison of the two options to see which one is best for you.

Furthermore, if you've come this far and still have doubts about the ideal card, no problem! For we have another comparative text to present. To do so, click on the recommended content and check it out!