What do you think of choosing between the Nubank Ultraviolet card or the Pan Mastercard Gold card?

In this post, we will bring a comparison between credit cards, which can be requested over the internet through proof of income and credit analysis.

Certainly, the Nubank credit card is already known for having an easy, free movement application and a credit card that is easy to approve.

Therefore, it created other versions, such as this one, which offers a metal card, with cashback and the payment of a monthly fee to enjoy the benefits of the brand.

On the other hand, the Pan Mastercard Gold appears as an option for those looking to pay few fees and have the opportunity to earn money, including advance FGTS withdrawals already programmed by the government.

Knowing that the Pan Mastercard Gold card is from the Pan bank, the customer also takes advantage of the Mastercard brand and can pay the invoice in fixed payments.

In addition, we will bring the advantages, disadvantages and information about both. Thus, you choose the best for your financial situation without going into debt. Follow!

Although many banks offer Premium cards, the promise of this one is a version with less bureaucracy and access to a greater number of people.

Undoubtedly, having a Nubank card is useful for payments and account handling. But the Nubank Ultraviolet card is made of metal and does not have printed information, which makes it unique and safer.

Above all, the client undergoes a credit analysis and waits for approval on an interest list. This process is done through the website, that is, approval may take a few days.

This means that when you have been a Nubank customer for some time, you have a clean name and a good financial history. The chances of approval are slightly higher, and the limit tends to be higher.

In order for the customer to guarantee the benefits of the Mastercard Black brand, a fixed monthly fee of R$49.00 is required, which can be excluded if the customer meets criteria.

Unless you spend five thousand reais on the invoice or have R$ 150 thousand invested, you will have to pay the monthly fee that does not change over time. So don't forget that when you start using the card.

Banco Pan was born out of Banco Panamericano, which was bought in part by Caixa and in part by Banco BTG. Thus was born the Pan digital bank with a new face in 2019.

Like other digital banks, the Pan Mastercard Gold card requires an annual fee and approval. In addition, it does credit analysis and offers a good initial limit.

In addition, Banco Pan has several credit card options designed for specific financial profiles. That is, it has basic, international, Gold and Platinum versions, each for a different income.

The other versions have an annuity, but through monthly expenses on the credit card it is possible not to pay this amount regardless of the chosen version.

In addition, the card has a Mastercard brand and the customer can enjoy the benefits of Mastercard Surpreenda. Through it, with each purchase a point is generated, through the accumulation it is possible to exchange for products or airline miles.

Finally, the customer also takes advantage of the advantage club, billing in installments, discounts at several partner stores and a card with a free digital account, without having to leave home to carry out financial transactions.

It should be noted that this advanced version of the traditional roxinho is very beneficial in terms of travel, mainly because it has the Mastercard Black flag.

This means that when waiting at airports, you can access VIP lounges with Wi-Fi, outlets, USB and food for the whole family.

Sometimes you have to travel and health emergencies can happen. So, Nubank Ultravioleta customers can access Masterassist Black and have global coverage for exams and appointments.

Finally, it is important to understand about cashback, which is offered with each purchase, that is, the amount returned is 1%. And every year, the same amount will yield 200% of the CDI, a yield that you can track directly in your digital account.

In fact, the Pan Mastercard Gold card is ideal for those looking for a cheaper option, as it charges a low annual fee and also offers 1.2 points for every dollar spent.

In addition, customers can accumulate points in two ways, through the Pan club and also through the Mastercard Surpreenda brand, known for its broad points program.

In this way, each purchase becomes a point to be exchanged for services, products and miles. You even have the exclusive Mastercard application to track accruals and decide on exchanges.

Likewise, Pan Mais has a page for the customer to choose between numerous products to exchange, in addition to the offers club, where there are discounts at various partners.

In addition, take advantage of invoice installment simulations, an additional card with no annual fee, in addition to advancing the birthday FGTS directly to your digital account!

Although it has numerous advantages, it should be noted that the Nubank Ultravioleta card requires the customer to wait on an interest list, a period that can take days or weeks.

Even with the payment of the monthly fee, it may be that some VIP rooms charge fees in dollars, so check the available list of accesses beforehand so as not to be surprised.

What should also be highlighted is the approval, which can be made easier for those who are already Nubank customers and have a clean name, in addition to good financial transactions, leaving this option restricted to some cases.

Firstly, it should be noted that installments of up to 18 installments of the invoice will only be possible through a rigorous credit analysis, so wait for this approval.

Next, there is a limitation on free transactions, including withdrawals, that is, the Pan customer can only withdraw 30 times, then pays a fee of two reais per withdrawal.

Thirdly, if you want broader versions, like Platinum, know that you will have to spend R$1,800 to R$5,000 in invoices to not be billed monthly.

So, have you managed to decide between the Ultraviolet card or the Pan Mastercard Gold card?

In short, comparing both, know that both have numerous benefits of the Mastercard brand and have cashback, in the case of Pan, only in the advanced versions.

Even if they look alike, they have differences mainly related to the request, since the Nubank customer needs to wait on an interest list, while in the other case, not.

In this sense, the Pan bank card can be accessed by a greater number of people, since it has a basic version, who do not pay any monthly fee for this option. To access the Gold version, it requires a slightly higher income

On the other hand, Nubank Ultravioleta has a monthly fee for customers looking for more savings and travel security, so it is worth it for those who have this priority.

Before deciding, observe your financial situation and also the CPF and, of course, see what your priority is. If you haven't been able to, don't worry, below we have another detailed comparison between interesting and even cheaper options. Check out!