If you are in doubt between the Ourocard Universitário card or the Impact Bank card, then you are in the right place!

Today you will learn more details about the two financial products to decide which one best suits your needs.

On the one hand, the Ourocard Universitário card was made for students and offers several benefits, such as contactless payment and a pre-approved limit.

The Impact Bank card aims to support sustainable development and you can also contribute. Furthermore, it is a great option for those who want to control their spending, as it works as a prepaid card.

So, keep reading and check out the pros and cons of each card. Let’s go!

Well, Banco do Brasil has launched the Ourocard Universitário card to help higher education students have more financial independence. So, if you are between 16 and 28 years old and are enrolled in a university course, the card may be a good option for you.

Therefore, the financial product has international coverage to make purchases in Brazil and abroad in a simple and practical way. In addition, you can use it for in-person and online purchases at thousands of establishments worldwide, as its Visa brand is one of the most widely accepted on the market.

Another interesting feature was designed to meet the needs of the card's target audience. Banco do Brasil knows that many students are dedicated solely to their studies and do not yet work. Therefore, you do not need to prove your income when applying for your card and it does not charge an annual fee. An incredible opportunity, right?

However, it is worth mentioning that if you are under 18 years of age, you will need to ask your legal guardian for authorization to request the product.

Without a doubt, the Impact Bank card is here to make a difference. Thus, the mission of the digital bank, which shares the same name as the card, is to build a more equal future by bringing financial inclusion to everyone.

So, when you purchase your financial product, you will also be contributing to a better world! This is because transactions made with the card generate revenue that is converted by the digital bank to social and environmental projects. And all the results of these actions are recorded in your account so that you can consult them in a simple and transparent way. Isn't it great to be able to help the planet even with small acts?

In addition, the card has national and international coverage so you can make purchases worldwide. In addition, its Mastercard brand is accepted in more than 30 million establishments and you can use the card for online purchases and in physical stores.

Another feature of this financial product is that it works on a prepaid basis. Therefore, you need to top up your card before using it. This way, you can only spend the amount available on your balance and avoid the risk of having a negative balance.

Now, let’s talk about the benefits of each card so you can decide which one best fits your finances.

So, one of the positive points of the Ourocard Universitário card is its Visa brand. This is because in addition to being accepted worldwide, you can also participate in the Vai de Visa program. With it, you enjoy exclusive discounts on services and products from partner stores, such as Riachuelo, Rappi, Vivara and many more!

In addition, the card already comes with a pre-approved limit of R$1,500.00 for you to use according to your financial needs. But remember to have good planning to avoid debt and excessive spending.

Furthermore, the card is modern and aims to bring more convenience to the daily lives of its customers. So, you can complete your purchases with contactless payment technology. To do this, you must bring your Ourocard card or wristband close to the machine and that's it, the transaction is complete! This way, your purchases are much safer, since you don't need to enter your password.

Finally, you can also take advantage of various promotions and special discounts on cultural, sporting and entertainment events sponsored by Banco do Brasil. This way, you can take advantage of your study breaks to have fun!

Without a doubt, one of the advantages of the card is that it does not check credit protection agencies. Therefore, you can enjoy all its benefits even if you have a negative credit rating.

Additionally, your card allows you to participate in the Mastercard Surpreenda rewards program. With it, you earn 1 point for every purchase made with your card. When you accumulate points, you can exchange them for exclusive offers at partner establishments, such as Havanna, Unidas, Natura and many others!

In addition, you can control your finances easily and conveniently with just a few clicks! Therefore, use your digital account to make payments, track card transactions and perform several other functions.

So, since the card is aimed at a specific audience, this ends up being a negative point, as not everyone can apply for it. Therefore, you need to meet the age requirements and be studying at a higher level to apply for the card.

Furthermore, if you fail to meet these conditions, Banco do Brasil may change the product type.

Additionally, you will need to pay a fee of R$40.00 if you want to purchase your Ourocard bracelet to make contactless payments. However, it is important to mention that the product is optional and you can continue using the technology with just the card.

So, one of the negative points of the card is that you need to sign up for a monthly subscription to enjoy more benefits. So, you can choose between the basic plan for R$15.00 per month or the premium plan for R$26.00 per month. Some of the differences found between the plans are the number of free transfers to other banks and also the value of the bills to third parties.

However, it is important to mention that you can also opt for the free monthly payment so you don't have to worry about monthly fees. Therefore, do some financial planning and evaluate your needs to decide which plan is best for you.

Furthermore, although you can control your finances with your digital account, it can only be accessed through a browser. Therefore, there is no app available to manage the card yet. But the good news is that the app will soon be released for both Android and iOS.

Now that you know about the two financial products, do you know which one to choose? Ourocard Universitário card or Impact Bank card?

So, calmly compare the pros and cons of each one to make the best decision for your current financial life.

And if you've made it this far but are still unsure of the best choice, we can help you! So, check out our recommended content below and see how we compare two incredible cards full of advantages.