But, after all, how do you decide between a Mercado Pago card or a Digio card, since they have similar digital accounts?

Despite this, the Mercado Pago card can be beneficial for those who have a bad name and operate their accounts, because it has a credit card and also the possibility of loans for these groups.

On the other hand, the Digio card requires credit analysis, but has a high pre-approved limit, quick approval via the website and the customer has few fees, as they do not pay an annual fee, membership fee or any monthly fee.

Furthermore, both cards are ideal for international purchases, interest-free installments and provide interesting pre-approved limits, not to mention the possibility of withdrawing funds from any ATM in the Banco24H network.

So, below, have more details about each of the options and decide which is ideal for your case, however, evaluate which would be cheaper in the long term. Let's go!

While many cards require a series of proofs and documents for activation, the Mercado Pago digital account is released in just one minute, without the delay of analyzing income, etc.

Since the Mercado Pago account is digital, the customer makes all transactions through the application and can have access to Mercado Crédito, the company's loan method that offers low interest rates for payment of installments.

Once you open the account and start making transactions, you can have access to a credit card even if it is negative, that is, carry out salary portability, for example, and request the credit card to try for approval.

Finally, Mercado Pago is also useful for companies, as it has a credit card machine and the entrepreneur receives money for purchases instantly, with the chance of not paying a monthly fee or membership fee!

Even though there are similar options, the Digio card appears as a choice for those who do not want to pay an annual fee, monthly fee or membership fee, as it does not usually charge these fees to customers.

Furthermore, it has a cashback program that allows every purchase to be converted into cash back, for example. This means that in the long term, you will have savings, even if the full value does not return.

Have you ever heard of the discount? It means that every Digio customer can select one of the bank's partner stores and have up to 60% discount on purchases, without paying interest or any fees.

Therefore, also have emergency withdrawals on the Banco24h network and pay only on invoice, being able to schedule the withdrawal without leaving home, using the Digio bank app.

Even though it only looks like a digital bank like others, Mercado Pago can release credit to negative customers and even people with a low score, for example. So, follow the other benefits of this account combined with Mercado Livre below.

First of all, know that the Digio card is one of the cheapest in its category, not burdening the customer with monthly fee payments. In addition to this advantage, there are also others, so follow along below.

Although it has several advantages, some features of the Mercado Pago card may not be interesting.

In any case, there is a fee charged when the emergency credit limit is used, for example, with a monthly expense exceeding a limit of R$500.00, the customer pays a fee of 2.99% for each limit exceeded.

Without a doubt, when someone applies for a credit card, they want it to arrive quickly, however, in this case, there is a delay of at least 30 days between analysis, approval and the actual arrival of the card.

Furthermore, there are fees for emergency withdrawals that reach 7.99% per month + IOF to be defined, therefore, even though there are few fees, the Digio card is not completely excluded from fees.

So that you can choose the best option, did you notice the differences between the Mercado Pago card or the Digio card?

In short, the Mercado Pago card can be accessed by anyone over 18 years of age, through constant use, up to credit and loan limits can be accessed by the digital account customer.

On the other hand, the Digio card provides an account that is always free, regardless of whether or not you use the credit card, with a cashback program for every expense and also a points club to exchange for products or miles.

Also, don’t worry if you haven’t chosen a favorite yet. While you were reading this article, our team prepared another comparison, which you can access by clicking on the link below, so continue your research and make the best choice!