Hiring a credit card requires a lot of research. That's because with so many options, it can be easy to get lost. Mainly, making a card that in the end has several fees that you didn't expect. With Neon, that doesn't happen! In this sense, the Neon card with no annual fee is free of surprise fees and has exclusive benefits.

In today's article, we will show you all the details of this card. Continue reading and find out more!

In short, the Neon card is an option for those who already have a bank account. Therefore, to contract the card it is also necessary to have the account. In this sense, the card is free of fees and exempt from annuity. In addition, it also provides the elastic limit. That is, a limit that is only used in one-off purchases, in case you need it. 

In this text, we will carry out a complete analysis of the Neon card without annuity. Read more and see all the details!

First of all, the Neon card limit depends a lot on each customer's income. Therefore, when you send your documents, the bank will stipulate a compatible amount. However, if you want to increase your limit, we recommend using the card for at least 3 months.

In addition, Neon offers a different service: the elastic limit. That is, if the limit is not enough for a purchase, the bank automatically increases your limit. So, you will never go without making that purchase.

However, the elastic limit is only for one-off purchases. In addition, it is possible to deactivate this function at any time via the application.

At first, it is important to say that to have the Neon card, you must also have the account. That way, your finances are integrated and organized in one place. In addition, the card has no annual fee and no surprise fees. Furthermore, Neon also offers both physical and virtual versions. Therefore, you can make your online purchases more safely.

In addition, the Neon card with no annual fee has international coverage. In this way, it is accepted in several establishments around the world. In short, Neon's main focus is to simplify the financial life of its customers. Therefore, in the Neon app you have control of all your finances. Together, the card bill can be automatically debited. That is, one less concern for everyday life.

In summary, a disadvantage of the Neon card is the fact that you need to have the account linked. In that sense, if you just want the card, it won't be possible. Also, Neon does not yet have any kind of scoring or cashback program. So if it's a priority for you, unfortunately, Neon doesn't have it.

As we already mentioned, Neon offers a complete application for its customers. Therefore, the invoice consultation can be done directly in the app. In addition, in the application you can also change your limit, check the movements and make transfers. In this sense, Neon's goal is to make your entire financial life integrated and simpler!

Unfortunately, for those who like to talk on the phone, Neon does not have a telephone call center. However, the company provides the e-mail address: [email protected]. Therefore, through it you can clear all your doubts about Neon products. In addition, it is also possible to contact the team directly through the application.

In keeping with Neon's entire policy of making financial life uncomplicated, applying for a card would be no different. This way, applying for your card online is very simple. To do this, just go to the website and fill in some basic information. With that, your account will be created and then you can request the card through the app.

In general, Neon's credit analysis is not so bureaucratic. Incidentally, one of Neon's fame is approving people even with low scores. However, it is important to have a good track record. That is, pay your bills on time and have a medium or high score. 

Therefore, to be approved, you must at least have the Neon digital account. Even because, without it, you cannot apply for the Neon card. Therefore, if you are not approved at first, it is worth moving the account. That is, put your money in the Neon account, move and even make investments. All this can help the approval.

As we have already mentioned, Neon's main objective is to simplify financial life. Therefore, having a digital account at the same bank where you have the card can be a hand in the wheel. That's because spending is much easier to monitor. In addition, Neon provides a complete application. In this sense, you can solve practically everything directly through the application.

Finally, the Neon card is a great option for anyone looking for a simple, annual fee-free card. That's because with this card you have all the basic services in an easy and practical way. However, if you still want to know another option, let us show you the Santander SX card.

This card is from Santander bank and also has no annuity if you spend R$ 100/month or if you join the Pix system. In addition, unlike Neon, this card has access to the Esfera program in which you can count on exclusive discounts with partners. See more details and the comparison between the two cards below.