If you are in doubt between the Mercado Pago card or the Ourocard Universitário card, don't worry! Today, you will learn more about these two financial products to decide which one is the best option for your financial life.

So, check out the comparison table below to learn about its main features and read on to find out the pros and cons of each card. Let's go?

First of all, we will introduce the Mercado Pago card, a modern option for those who want to make purchases at home and abroad in a practical and easy way.

So, the card has international coverage and the Visa flag, ideal for those who want to buy at thousands of accredited establishments worldwide. In addition, the flag allows you to participate in the Vai de Visa benefits program.

In addition, you still have two different cards: the physical and the virtual. In this way, it is much easier to shop at your favorite stores and also on websites to take advantage of all the offers.

Another characteristic of the financial product is that it is modern and offers several facilities to its customers. Thus, you can use the proximity payment technology to finalize your purchases and, even, withdraw on the Banco24Horas networks using only your cell phone. Amazing, isn't it?

In addition, you make transfers and payments via Pix without paying anything, at any time of the day and you can also transfer via TED to any bank, unlimited and free of charge.

Now, let's talk a little about the Ourocard Universitário card so you can decide if it's a good choice for your needs.

So, the financial product was launched by Banco do Brasil to cater to students seeking financial autonomy. Thus, if you are between 16 and 28 years old and are studying at a higher level, the card may be the ideal option. However, it is worth mentioning that if you are under 18 years old, you will need to have the authorization of your legal guardian to make the request.

In addition, the card has international coverage and the Visa flag, which is accepted worldwide in thousands of establishments and you can also participate in the Vai de Visa program.

Also, we know that many students still don't work and don't have income, right? Therefore, to open your university account, you do not need to prove income, you do not pay an annuity fee and you can even invest your money. This is a great opportunity, don't you think?

So, one of the positive points of the card is that it does not charge an annuity fee and the digital account is free. So, you don't have to worry about these extra fees, which are charged by most traditional cards.

In addition, it has debit and credit functions and you can pay in installments for your purchases made in physical stores and online in a simple and carefree way.

As already mentioned, another advantage is the Visa flag, which is one of the best known and used around the world. So, in addition to having thousands of accredited establishments, you can still participate in the Vai de Visa program. With it, you can take advantage of exclusive offers and discounts at several partner stores, such as Natura, Rappi, Vivara and much more!

In addition, proximity payment technology is also another incredible advantage. So, to finalize your purchase, just bring your card, cell phone or smart watch closer to the machine and that's it! That way, you make transactions much more securely, as you don't need to use the password.

In addition, the money you deposit in your digital account has a higher yield than savings. Thus, the process is automatic and it is enough to have an amount in the account that is already earning. And the money is always available for you to use or transfer at any time, without bureaucracy. Quite an opportunity, isn't it?

Well, one of the positive points of the card is that you don't need to be a Banco do Brasil account holder to apply for your card. Thus, you will be sure that you are purchasing a quality product, but without having to worry about opening another account, if you already have an account at another bank.

In addition, you can make your purchases much more securely with proximity payment technology. For this, you can use both your card and the Ourocard bracelet for debit or credit purchases.

In addition, you can take advantage of exclusive promotions and discounts at various cultural, sports and entertainment events sponsored by Banco do Brasil. Amazing, isn't it?

Finally, the card already has a pre-approved limit of R$ 1,500.00 for you to use according to your needs. Thus, you can now control your finances and become the protagonist of your financial life.

So, now that you know all the benefits of cards, how about discovering their negative points too? That way, you can be sure that you are making the right choice.

Well, one of the disadvantages of the Mercado Pago card is its credit limit. This is because the value is established according to the analysis of each client. Thus, the evaluation takes into account the credit score and even the operations carried out through the app.

In addition, you need to pay a fee to make withdrawals at ATMs in the Banco24Horas network in the amount of R$ 5.90. Therefore, although it is not a high amount, you need to have good financial planning to avoid unnecessary expenses with this type of fee.

So, one of the disadvantages of the card is the established age range. Thus, as it is a university card, you must be studying at a higher level, in addition to being between 16 and 28 years old. Therefore, if you no longer fit these conditions, Banco do Brasil may change your modality.

In addition, although the Ourocard bracelet is quite interesting for making purchases in a practical and safe way, you need to pay a fee of R$ 40.00 to purchase yours.

So, have you decided between the Mercado Pago card or the Ourocard Universitário card?

Both are very interesting options for those who want to shop in Brazil and abroad. In addition, you can control your finances through your apps and make your day-to-day life much easier.

However, if you are still not sure which is the best choice for you, continue reading with our recommended content below.

In it, you will learn about two more incredible card options available on the market so that you can make the best decision for your financial needs.