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Mercado Pago Card or Brazilian Business Bank Card: which one to choose?

Whether it's the Mercado Pago card or the Brazilian Business Bank card, both have international coverage and you can control your finances through the app. Check here the advantages and disadvantages of each one and choose yours!

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Mercado Pago vs Brazilian Business Bank: find out which one to choose

Cartão Mercado Pago ou cartão Brazilian Business Bank? Fonte: Pexels.
Mercado Pago card or Brazilian Business Bank card? Source: Pexels.

Are you in doubt between the Mercado Pago card or the Brazilian Business Bank card? So you are in the right place!

So read on to learn more about the pros and cons of these two financial products and decide which one is the best option for you!

By the way, don't forget to check the comparison table below to discover its main features. Let's go?

How to apply for the Mercado Pago card

Find out how to apply for the Mercado Pago card with no annual fee, with immediate approval and interest-free installments of up to 18 purchases. Check out!

How to apply for the BBB card

Check out how to apply for the Brazilian Business Bank credit card and if this option may be ideal for your case.

Mercado PagoBrazilian Business Bank
minimum income On requestnot required
AnnuityNo annuityR$ 7.00 per month
FlagVisaVisa or Mastercard
RoofInternationalInternational
Benefits Approach payment, Go by VisaGo from Visa, Mastercard Surprise
But, after all, what are its main characteristics?

Mercado Pago Card

Well, the Mercado Pago card is a modern and practical option for anyone looking for a financial product to take care of their finances.

One of its features is that you have two cards available to use: the physical one and the virtual one. That way, it's much easier to shop at your favorite stores, both in person and online. So, our day to day is much easier, isn't it?

In addition, the card has international coverage and the Visa flag, one of the most accepted worldwide and which also offers several exclusive discounts for its customers.

Furthermore, the product is modern and technological. With it, you can make purchases and payments by approximation. To do this, just bring your card, cell phone or smart watch closer to the machine and that's it! That way, you don't use the password and you can make transactions much more securely.

Finally, with your digital account, you can also make withdrawals at ATMs on the Banco24Horas network using just your cell phone. It's a lot of technology, isn't it?

Brazilian Business Bank Card

The Brazilian Business Bank or BBB card is also a great option for those looking for a quality product.

Thus, its international coverage allows you to make purchases in Brazil and abroad in an uncomplicated and simple way.

In addition, you can still choose between Visa or Mastercard, according to your preferences. So, both are interesting choices, as they are accepted in thousands of stores around the world and also offer exclusive benefit programs, such as Vai de Visa and Mastercard Surpreenda. So, get to know the two options well to decide which one best fits your needs.

Another interesting point of the card is that it works in prepaid mode. In this way, to use it, you need to recharge it beforehand to have a balance in your account. Thus, it is much easier to control finances and you do not run the risk of spending more than you can.

What are the advantages of the Mercado Pago card?

Mas, afinal, quais são as suas vantagens? Fonte: Pexels.
But, after all, what are its advantages? Source: Pexels.

As already mentioned, the card is modern and practical and brings several benefits to its customers.

First of all, we can talk about the Visa flag of the card. With it, you can shop at thousands of registered establishments around the world and you can also participate in the Vai de Visa program. So, the program offers exclusive offers and discounts at several partner stores for you to take advantage of, such as Extra, Marisa, Decolar and much more. Amazing, isn't it?

Furthermore, a very attractive feature is that there is no annual fee and the digital account is free. That way, you can take care of your finances without worrying about extra fees.

And speaking of avoiding extra fees, you can also make Pix transfers and payments anytime, without paying anything for it. In addition, you can make TED transfers to any bank and they are unlimited and free.

In addition, proximity payment technology is also a great advantage, as it allows you to make transactions in a much safer way, not to mention that it is much more practical, isn't it?

Finally, the money you put in your digital account will have a daily income greater than your savings and this is automatic, you don't have to do anything! And the good news is, it's available for you to use or download at any time.

What are the advantages of the Brazilian Business Bank card?

Mas, afinal, quais são as suas vantagens? Fonte: Pexels.
But, after all, what are its advantages? Source: Pexels.

So, one of the main advantages of the card is that there is no consultation with credit protection agencies, such as SPC and Serasa. Thus, you can apply for the card and enjoy all its benefits even if you are negative. Quite an opportunity, isn't it?

Another positive point is that you can control your finances and expenses directly through the application efficiently and without bureaucracy.

In addition, the fact that the card is prepaid is a great way to control finances and not run the risk of being in the red. So, to use it, you top up with the desired amount and use only the available balance.

In addition, it is also possible to apply for personal credit, which is ideal for those who need a little extra money. So, the value can vary from R$ 3,500 to R$30,000 and you can place the order even if it is negative! But get to know all the credit conditions well, as it works like a loan and you must have good financial planning so you don't have problems.

What are the disadvantages of the Mercado Pago card?

Now, about the negative points of the card, we can mention the fee to withdraw money on the Banco24Horas network in the amount of R$ 5.90. Although the tariff is not high, it is good to know all the conditions so as not to have any surprises when using your financial product.

In addition, another disadvantage of the card is its credit limit. So, the value is defined based on the analysis of your profile, which evaluates your credit score and even the operations carried out by the app. Therefore, depending on each assessment, the threshold value changes and it may end up not being as high as expected.

What are the disadvantages of the Brazilian Business Bank card?

So, if you are looking for a financial product to make purchases in installments, the BBB card may not be the ideal option for you. Thus, although it is a good alternative to control finances, the fact that you need to load the card before using it can be a negative point.

Also, the cost of recharging is R$ 3.25. Therefore, it is necessary to have good planning to avoid unnecessary expenses with this type of fee.

In addition, other fees may be charged for carrying out some operations. For example, you pay R$ 44.99 for joining and sending the card, in addition to the monthly fee of R$ 7.00.

Mercado Pago Card or Brazilian Business Bank Card: which one to choose?

Well, now that you know the two options better, have you decided which one is the most suitable for you? Mercado Pago card or Brazilian Business Bank card?

But if you're still not sure, don't worry! Read on with our recommended content below to learn about two more amazing cards available on the market.

Thus, you will be able to make the best decision for your financial life with all the information at hand.

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Either the Impact Bank card or the Superdigital card, both have international coverage and the Mastercard brand. Check out their differences here and choose yours!

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