Cards

Which card is easier to get approved?

If you're looking for an easier-to-approve card, today we're going to show you 10 easy-to-approve payroll loan product options. Continue reading and check it out!

Advertisement

After all, you want a card to shop online, so check out which cards are easy to approve

Mas, afinal, qual o cartão é mais fácil de ser aprovado? Fonte: Pexels.
But, after all, which card is easier to approve? Source: Pexels.

First, having a credit card can give you a lot of financial autonomy on a daily basis. This is because having credit makes it possible to make purchases of goods that at sight, it would not be possible to pay. But by installments, that dream becomes possible. Also, if you have a low score or are at the beginning of your financial life, it can be difficult to get a limit. Therefore, in today's article we will show you which card is the easiest to approve. 

So, read on and check it out!

10 Easiest Card Options to Approve

So, among the easiest cards to be approved are payroll credit cards. In addition, this type of card is less known, but it is very good for people who struggle to get approved credit.

However, what changes is that part of the amount to be paid can be debited directly from the client's salary or social security benefit. Therefore, banks usually make the analyzes more flexible with the payroll card. Because there is a certain guarantee of payment.

But not just anyone can hire a payroll card. So, fit this modality:

  • retirees and pensioners; 
  • federal, state and municipal civil servants;
  • employees of private companies who have registered in the portfolio. 

By the way, negative people can also apply for a payroll credit card. So now, let's show you the 10 easiest card options to get approved. Also, read on and check it out!

1. BMG Consigned

Mas, afinal, quais as características do cartão do BMG? Fonte: BMG.
But, after all, what are the characteristics of the BMG card? Source: BMG.

So, the BMG Consignado card is international and also allows cash withdrawals. In addition, it has the benefits listed below.

  • Much lower interest rates;
  • Limit of up to 1.6x the benefit;
  • Minimum amount deducted from the payroll.

In addition, for cash withdrawals, it is possible to request up to 70% of the limit available on your BMG Card for withdrawal. Incidentally, the fees go up to 2.7% and the charge is only posted on the following month's invoice.

Furthermore, to request your BMG Consignado card, it is simple. It is only necessary to open an account at BMG bank and apply for the card. In this case, documents such as RG and CPF must be in hand.

AnnuityExempt
FlagMasterCard
RoofInternational
minimum incomenot informed
BenefitsCash withdrawal with fees up to 2.7%
But, after all, what are the features of the card?

How to apply for a BMG Consignado card

Want to apply for the BMG credit card for negatives? Because it offers ease of approval and can be customized. Find out here how!

2. Payroll Pan

Firstly, with the Banco Pan payroll card, it is possible to buy and pay for your purchases in installments, in addition to making withdrawals. And just like the other consignments, part of the invoice amount is deducted directly from the payroll. So, check out some of the advantages:

  • Limit of up to 2x your salary;
  • Interest rates are 4x lower;
  • Also available for negatives.

Furthermore, applying for the Pan payroll card is an easy process and 100% online. So, just follow these steps:

  1. First, simulate a proposal on the Pan bank website;
  2. Then accept the proposal and send the documents;
  3. Finally, receive your card at the address indicated.
AnnuityExempt
FlagVisa
RoofInternational
minimum incomenot informed
BenefitsPossibility of cash withdrawal
But, after all, what are the features of the card?
Cartão de crédito Banco Pan

How to apply for the Pan payroll card

Do you want to know how to apply for the Pan credit card and make your purchases and payments easier? So, watch the step-by-step right now.

3. Consigned Cash

Firstly, the Caixa Simples card, a payroll-deductible card from Caixa Econômica Federal, is a good option for its low minimum value. That's because the invoice discount is only 5% of your benefit. But be careful: this card has an issue value.

Incidentally, the good news is that this amount can be paid in up to 3 installments on the invoice. In addition, the application for this card is done without bureaucracy. Caixa does not consult Serasa or the SPC, however, it is necessary to settle the bank debts for hiring.

In addition, to contract the Caixa Simples card, you must go to a Caixa branch with:

  • RG;
  • CPF;
  • Proof of residence;
  • Benefit extract.
AnnuityExempt
FlagLink
RoofInternational
minimum incomenot informed
BenefitsElo Flex Platform
But, after all, what are the features of the card?

How to apply for the Caixa Consignado card

The Caixa payroll card is excellent for INSS beneficiaries and civil servants, with advantages in the rate and credit limit. Check out!

4. Inter consignment

Mas, afinal, como funciona o cartão do Inter? Fonte: Inter.
But, after all, how does the Inter card work? Source: Inter.

First, the Inter Consignado card also has no annual fee and is international. Which gives even more freedom for your financial choices.

Furthermore, to request your card, just contact Inter's Call Center at number 3003 4070. In addition, you must have the following information at hand:

  • Name;
  • CPF;
  • Cellphone number;
  • Benefit/registration number;
  • Benefit value/Salary;
  • Identity (RG or CNH);
  • paycheck;
  • Proof of address (with a maximum issue date of 3 months).
AnnuityExempt
FlagMasterCard
RoofInternational
minimum incomenot informed
BenefitsMastercard Surprise Program
But, after all, what are the features of the card?
Cartão do Banco Inter

How to apply for the Inter payroll card

Get to know the Inter Consigned Card, with no annuity and great benefits. And you can easily apply online or over the phone! Look here!

5. Consigned Cetelem

So, the Cetelem Consignado card has the same advantages as the modality. Just as the Cetelem card is exclusive to INSS Retirees and Pensioners. In addition, it has the Elo flag and national coverage, so it can be used in purchases throughout Brazil.

AnnuityExempt
FlagLink
RoofNational
minimum incomenot informed
BenefitsUp to 20% discount at selected stores
But, after all, what are the features of the card?

How to apply for the Cetelem payroll card

See the step-by-step guide to help you apply for your Cetelem payroll card without leaving home and without bureaucracy. Check out!

6. Bradesco Elo Consignado

Bradesco's payroll card can be a good option, despite having an annual fee. In addition, the card has several benefits such as:

  • 40 days to pay the invoice;
  • Personalized service;
  • Chip card.
AnnuityThe first is exempt, then it is 12x of R$3.75
FlagLink
RoofInternational
minimum incomeMinimum wage
BenefitsUp to 40 days to pay for purchases
But, after all, what are the features of the card?

How to apply for the Bradesco Elo Internacional card

Learn how to apply for your Bradesco Elo Internacional Consignado card, so you can pay your debts in installments and also make withdrawals of up to 70%.

7. Olé Consignado

After all, Olé's payroll card is a great option for those who are negative. That's because the financial product is offered even for those who are going through difficult days in their financial life. So, check out some of the benefits below:

  • Apply for the card without leaving home;
  • Card is international;
  • 4x lower rates.

In addition, the card can be requested both through the website and through the application.

AnnuityExempt
FlagVisa
RoofInternational
minimum incomenot informed
BenefitsOlé Advantages
But, after all, what are the features of the card?

How to apply for the Olé Consignado credit card

You already know what the benefits of the Olé Consignado credit card are, so it's time to find out how to apply for it.

8. Daycoval Consigned

Mas, afinal, como funciona o cartão? Fonte: Banco Daycoval.
But, after all, how does the card work? Source: Banco Daycoval.

Incidentally, another International payroll card with interest rates much lower than those on the market is Daycoval Consignado.

In addition, to request a Banco Daycoval payroll card, it is necessary to consult the list of authorized correspondents. In this way, the hiring is done in person.

AnnuityExempt
FlagMasterCard
RoofInternational
minimum incomenot informed
BenefitsMastercard Surprise Program
But, after all, what are the features of the card?

How to apply for the Daycoval card

Do you want to know how to apply for the Daycoval payroll card? If yes, then read this text and be one step closer to having one of the best products in the category.

9. Banrisul Payroll

First, the Banrisul Consignado card is Banrisul's version of an exclusive card for retirees, pensioners and civil servants. In addition, its main benefit is the deadline of up to 45 to 55 days to start paying for purchases.

AnnuityExempt
FlagMasterCard
RoofInternational
minimum incomenot informed
BenefitsMastercard Surprise Program
But, after all, what are the features of the card?

How to apply for the Banrisul payroll card

Banco Banrisul's payroll card has gained popularity and helps many people. Learn now how to request from home and conquer your financial autonomy.

10. Payroll Daycred

Firstly, with the Daycred Consignado card, you can pay your purchases in up to 15 installments and still only start paying within 40 days. In addition, to request it, contact one of the consultants or go to a physical DayCred store.

AnnuityExempt
FlagMasterCard
RoofInternational
minimum incomenot informed
BenefitsMastercard Surprise Program
But, after all, what are the features of the card?

So, after knowing the 10 types of cards, you managed to realize that the easiest card to be approved is the payroll card. In addition, now all you have to do is choose the ideal one for you and complete the application process.

By the way, if you want to know which bank gives the most credit, check out our recommended content below.

Which bank gives the most credit?

Are you looking for a card to shop online with a high limit? So, check out in this article which bank gives the most credit!

About the author  /  Leticia Maia

Journalism student at UFSC, has always been passionate about writing. In the middle of college, he met digital marketing and was enchanted. She is a content producer for blogs and social networks.

Reviewed by  /  Junior Aguiar

Senior Editor

Trending Topics

content

How to make money selling candy? Check out our tips!

See the top tips for making money selling candy the right way. This is the post you need to have one more source of income.

Keep Reading
content

Discover the Iti Itaú card

The Iti Itaú card has no annual fee and also has a limit that can reach up to R$ 10 thousand. Read this post and learn more about it.

Keep Reading
content

Bradesco Prime Platinum Card or Sicoob Platinum Card: which is better?

Confused about which card to choose? Find out here the differences between the Bradesco Prime Platinum card or the Sicoob Platinum card and decide!

Keep Reading

You may also like

content

XP Card Review 2022

Don't know the features of the XP credit card? Read the XP card review below and understand everything about this financial product that is so unique in the market.

Keep Reading
content

Chase Sapphire Preferred Credit Card: How It Works

Want to travel and pay almost nothing? With the Chase Sapphire Preferred Card, you earn as you spend and travel with peace of mind. Read this post and find out how this can be possible.

Keep Reading