Cards

Nubank Ultraviolet Card or BMG Card: which one is better?

It won't be long before you have access to cards with cashback and high limits. Find out details and decide between the Nubank Ultravioleta card or BMG card. To do this, read our comparison below.

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Cartão Nubank Ultravioleta ou cartão BMG: qual o ideal? Fonte: Unsplash.
Nubank Ultraviolet card or BMG card: which is ideal? Source: Unsplash.

But, after all, what are the differences between the Nubank Ultravioleta card or the BMG card?

In principle, the Nubank Ultravioleta card is a more advanced version of the traditional purple card, with numerous benefits for travelers who want to save money.

On the other hand, the BMG card is more similar to the financial products available in digital banks on the market and also has a card with no annual fee with cashback and quick approval.

Therefore, to help you choose, we have prepared a comparison between the two that will help you choose the card that best meets your needs.

This means that once the comparison is finished, you will be supplied with information related to the minimum income, limit, advantages and disadvantages of each one.

So, without further ado, follow the information and don't forget to evaluate your financial situation to reach a verdict, besides, let's get into the details!

How to apply for a Nubank Ultraviolet card

How about a credit card with cashback, high limit and made of metal? Furthermore, enjoy savings on travel with this evolution of purple!

How to apply for the BMG card

This no-annual-fee card has quick approval and also offers cash back on each purchase, as well as unlimited and free withdrawals.

Nubank Ultraviolet CardBMG card
Minimum Incomenot requiredMinimum wage
AnnuityExemptExempt
FlagMastercard BlackMasterCard
RoofInternationalInternational
BenefitsHave a metal card
Each purchase generates a percentage refund
Travel-related benefits, such as health insurance
See your money pay off in cashback
Do not pay annual fees or any monthly fees
Payroll card option without credit analysis
Unlimited free withdrawal
Immediate approval via the website
But in the end, which is the best?

Nubank Ultraviolet Card

While many credit cards are more basic, the Nubank Ultravioleta is made of metal and aimed at some Nubank customers who have good digital bank transactions.

It is available through an interest list, where the customer provides their details and waits for a credit analysis. Additionally, there is a monthly fee of R$49.00.

Above all, security is important, so there is no information on the physical credit card other than your name, so only have these details through the app.

Furthermore, the Nubank UltraVioleta card has numerous travel-related benefits, including Masterassist Black health insurance, offered by the brand that bears the same name.

Finally, get cashback on each purchase that can be transferred directly to your digital account and spent however you want, so to find out more details, continue following the comparison.

BMG card

Why not evaluate a digital bank that was already traditional before, and comes with a free annual fee, payroll card and a secure option for companies, all through an app?

Undeniably, many people had a bank account at BMG Bank, mainly because the Brazilian bank has more than 90 years of experience in the financial market.

This means that technology recently brought a complete card, which promises a fair credit analysis and has personalized cards from Brazilian teams, as the bank was and is a sponsor of numerous clubs.

Since the card is broad, there is also the option of a consigned card, without any SPC/Serasa analysis, which is exclusive to retirees and pensioners.

In order for many people to access the BMG credit card, approval is immediate and the order is made online. In addition, you can monitor invoices, balances and transfers through a free application. So, keep reading and find out other advantages.

What are the advantages of the Nubank Ultraviolet card?

Afinal, quais as vantagens do cartão? Fonte: Pexels.
After all, what are the advantages of the card? Source: Pexels.

Knowing that the Nubank Ultravioleta card is ideal for travelers, we have separated the main advantages for this public to safely enjoy this Nubank option, also, check it out.

  • Have access to airport lounges and VIP rooms, with power, sockets, USB and comfort;
  • Masterassist Black medical insurance is available so you can have consultations and exams anywhere in the world;
  • Receive 1% cashback for each purchase and earn up to 200% of the annual CDI;
  • Spending R$ 5 thousand on your bill, you will be free of the monthly fee;
  • With the metal card, you have more security and agility;
  • Make purchases and get a 90-day guarantee against theft and theft.

What are the advantages of the BMG card?

First of all, know that the BMG card can be requested by anyone with a clean name and promises fair approval, so check out more advantages below.

  • Have a Mastercard for purchases in installments or not;
  • Don't worry about annual fees or hidden fees;
  • Cashback brings money back on your debit, but also on your credit limit;
  • The payroll card offers invoice discounts directly from your salary;
  • Unlimited free withdrawals on the Banco24h network;
  • Accumulate points on Mastercard Surpreenda and exchange them for miles or products.

What are the disadvantages of the Nubank Ultraviolet card?

Even though it has numerous advantages, it is important to make it clear that the Nubank Ultravioleta card may take weeks or months to be made available, as the customer places the order and waits on an interest list.

Before approval is released, the customer undergoes a rigorous credit analysis, where subsequent financial history with Nubank is also taken into account, therefore, it ends up being somewhat limited.

Furthermore, access to some VIP Rooms is not fully available with the card alone, there are fees to be paid in dollars in some cases, so it is important to be prepared for usage fees, for example.

What are the disadvantages of the BMG card?

Among the main disadvantages is the requirement for credit analysis for customers, so those who are negative may have difficulty accessing the free digital account that guarantees immediate approval.

Furthermore, a minimum income is required for your application, which involves at least the minimum wage defined in Brazil, so those with a lower monthly income may not be able to get the card.

Finally, the payroll card would be a help for people with low income and a dirty name, but in this case, it is limited to retirees and INSS pensioners, which also reduces the chances of those being denied.

Nubank Ultraviolet Card or BMG Card: which one to choose?

Mas, afinal, qual é o melhor cartão? Fonte: Pexels.
But, after all, what is the best card? Source: Pexels.

Now that we have reached the end of the comparison, were you able to decide between the Nubank Ultravioleta card or the BMG card?

In short, we present cards with high limits, ease of application, security, free digital account and hassle-free movement through the respective applications.

However, the Nubank Ultravioleta card has some requirements to exclude the monthly fee and also to offer exclusive benefits for travelers, in addition, of course, to rigorous credit analysis.

Knowing that the BMG card is a little broader, it also requires credit analysis, but offers a cheap card with a free digital account. And unlike digital banking options, there are free and unlimited account withdrawals, which saves you a lot.

Finally, before deciding, take into account your purchasing priorities, financial situation and CPF situation, to choose the ideal one.

If you haven't reached a verdict, don't worry, as below we have prepared another comparison rich in details to help you once again with your choice! So, read on through our recommended content below.

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