If you are in doubt between the Mercado Pago card or the BMG card, then you are in the right place! Here you will learn about the main features of each card to make the best decision for your financial life.

So, although both have international coverage and free annuity, each one has its own flag, which offers exclusive benefit programs.

So read on to find out the pros and cons of each financial product. Let's go?

Therefore, the Mercado Pago card is the ideal option for anyone looking for a modern product full of benefits.

Thus, it has national and international coverage for you to shop around the world, both in person and online stores. In addition, the Visa flag is one of the most recognized in the market and is accepted in thousands of registered establishments.

Furthermore, the digital account is free and the card has no annual fee. Thus, you can control finances without worrying about extra expenses at the end of the month.

Another feature of the financial product is that you have access to both the physical card and the virtual card. Thus, you make purchases much more securely and also control spending through the application. That way, everyday life gets much simpler, doesn't it?

In addition, the card brings several modern features to make life easier for its customers. In this way, you can take advantage of proximity payment technology to make your purchases. So, it works as follows: when paying, just bring your card, cell phone or smart watch to the machine and that's it, the transaction is finished! That way, you make the payment much more securely, as you don't need to use the password.

Well then, the BMG card is another modern option for you to make purchases in a practical and uncomplicated way, in addition to offering various benefits to your customers.

So, its international coverage allows you to shop in person and online stores, both in Brazil and abroad. In addition, your Mastercard brand is accepted in establishments around the world and you can also register for the Mastercard Surpreenda rewards program.

In addition, the card has zero annuity, a rate charged by most conventional credit cards. And you still control your finances through the app in a much more practical way!

Finally, you also participate in exclusive cashback programs offered by the card.

So let's talk about the good points of each card so you can compare and decide which one is the best choice for you!

Well, one of the advantages of the Mercado Pago card is its Visa flag. This is because, in addition to being accepted worldwide, it also offers the Vai de Visa benefits program. With it, you have special discounts on products and services at several partner establishments, such as Wizard Idiomas, Casas Bahia, Rappi, Catho and much more!

In addition, the card works in debit and credit functions for you to make purchases in cash or in installments. That way, you don't miss out on any offers and even choose the best way to pay.

Another very interesting advantage is that the money in your account yields more than the savings. So, you just deposit or transfer the amount for it to start earning, without you having to do anything. And whenever you need the money, it is available, both for withdrawal and transfer. Amazing, isn't it?

Also, you can make free and unlimited transfers via Pix or TED to any bank. Thus, you can carry out operations without worry and directly through the app.

Undoubtedly, the card brings several advantages to its customers and it is always looking for ways to make their daily lives easier.

Thus, the entire request process and account control are done online, through the website or the application. In addition, you can make unlimited and free withdrawals on the Banco24Horas and Saque e Pague networks.

In addition, it offers two exclusive cashback programs: Poupa pra Mim and Volta pra Mim.

So, the Poupa para Mim program rounds up the cents of purchases you make and this amount is deposited in a virtual piggy bank. Thus, when the amount reaches R$ 50.00, the money is automatically invested in an investment to start earning. Quite interesting, isn't it? And you can redeem the money whenever you want quickly and uncomplicated.

The Volta pra Mim program returns part of the money spent on debit and credit purchases. Thus, you get back up to 0.30% from transactions made using debit and up to 0.80% from purchases made using credit. A great way to save some money, isn't it?

So, one of the downsides of the card is that you have to pay some fees for certain services. For example, withdrawals at ATMs on the Banco24Horas network cost R$ 5.90. Thus, you need to have good financial planning to avoid unnecessary expenses with this type of operation.

In addition, you go through an analysis of the customer's profile when requesting your card. Thus, the credit limit is defined based on the assessment made by the bank. Therefore, depending on the assessment, the limit may be lower than expected.

Well, one of the negative points of the card is that it is linked to a BMG bank digital account. Therefore, you need to create a bank account to use your card, even if you already have an account at another institution.

In addition, it is necessary to contract a monthly plan to receive more benefits in the Volta pra Mim cashback program. However, it is worth mentioning that the basic plan is available to all customers.

In addition, another disadvantage is that the credit limit is defined based on the analysis of the customer's profile. Thus, after the value is defined, it is not possible to request an increase in the limit.

So, choosing between the Mercado Pago card or the BMG card is not an easy task, is it?

Thus, both cards have international coverage and do not charge an annual fee, in addition to offering incredible benefits to their customers.

Therefore, compare all the pros and cons of each card so that you can make the best decision for your financial life. That way, you will choose the product that best fits your needs to enjoy all its benefits.

But if you've come this far and still don't know which is the best option, don't worry! So, check out the recommended content below with another comparison of two very interesting cards available on the market!