Initially, the Neon card or the Pan card, two of which are very simple credit card options to apply for, with no annual fee and with exclusive advantages for users ranging from discounts at stores that accept Mastercard, as well as an app super intuitive to keep track of all card expenses!

So, let's show you a little more about Neon and Pan cards that have several advantages worth checking out! Check out:

At first, the Neon card is a credit card that does not charge an annual fee, that is, there is no need to pay any annual fee to keep using the card and it is among the best cards on the market. This is because it provides technological services and provides greater autonomy for users.

Well, the Neon card has international coverage, that is, users can purchase products and services in stores in Brazil and abroad. Another super advantage of the Neon card is that it is conditioned to a digital account that provides various services.

So, Neon bank is a 100% digital bank, in which you are guaranteed access to various financial services. And, when registering with the Neon bank, you will be able to acquire the digital and physical versions of the Neon card, being able to use it in either version.

Applying for the Neon card is very simple. You just need to be over 18 years old, RG and CPF updated and request through the Neon bank app.

Therefore, the Neon card is a card accessible to anyone as long as they are over 18 years of age and have suitable documents to apply! In addition, the card has other advantages as we will see later.

In February 2020, Pan bank launched its first free digital account. In it, the bank offers a proposal for a package of exclusive benefits for users, for example, a discount program for use with Visa or Mastercard flags.

So, to apply for the Pan card is very simple, just apply online through the official website of Banco Pan. Just log in, fill in all your personal data, agree to the terms and wait for the credit analysis, which takes about 10 days.

That is, it may not be a good option for negatives. That's because, unlike other banks that we've already mentioned here, Banco Pan does credit analysis and, for people negative or with a low score, this becomes a disadvantage.

In addition, the Pan card has a personalized application, available in versions for Android and iOS, through which it is possible to hire services such as increasing credit card limits and requesting loans. in other words, it becomes a bank that values commitment and quality with customers.

Therefore, Banco Pan brings an innovative card model that also features contactless technology and international coverage under Visa and Mastercard flags to provide even more security and comfort for customers seeking quality and efficiency!

Well, let's get to know the advantages that the Neon card provides for customers:

Therefore, the Neon card is super versatile and still has a modern design and an intuitive and simple to use digital account!

So, let's get to know the advantages of the Pan bank credit card:

Therefore, as we can see, one of the biggest advantages of the Pan card is the approach payment method that came to optimize payments with credit cards and bring more security to customers who do not need to register their password, running the risk of being cloned. !

At first, one of the biggest disadvantages of the Neon card is the fees charged for the services offered by Banco Neon. This is because fees are charged in the amounts of R$3.50 reais for transfers, as well as interest rates for installments of invoices and interest on delays.

And in addition, another disadvantage of the Neon card is the approval of the card, which tends to take a little longer than other digital bank cards. That's because Neon does a credit analysis, that is, it does a search at credit bureaus to see the situation of your name with companies.

Well, among the disadvantages of the Pan card, the biggest one is also the credit analysis to apply for the credit card. This is because the low score and the dirty name can become reasons for impeding the approval of the request.

And also, another negative point of the Pan card are the fees that may be charged by Banco Pan in some types of services that are offered by the bank, such as financial transfers. So it's worth doing some in-depth research to see if it's a good fit for you!

Well then, the Neon card or the Pan card are safe, technological and interesting credit card options that aim to guarantee comfort and convenience.

Furthermore, they have exclusive advantages for their customers, valuing quality and efficiency in the proposals and discounts for users amidst advantages such as no annual fee, technological app and advantages of the Visa and Mastercard program.

So, do some research to find out which of these options is best for you and see which one best suits your interests! And if you still have doubts, see below a recommended content of new credit cards for you to review!