If you are looking for a credit card with no annual fee, no proof of income, international coverage and a Visa or Mastercard brand, don't worry, because today we have two credit cards with all these requirements for you to apply for: the Pagbank card or Next card.

So, continue reading the text so you can compare the advantages and disadvantages of the cards and decide which of the two options is best for you.

The PagBank credit card is international, meaning you can use it anywhere in the world, and you need to have a digital account to access the card.

Furthermore, using the card you can make purchases, pay bills and use various services on the PagBank digital platform.

On the other hand, you do not need to prove income to access the card, nor do you need to pay an annual fee, and it may also be negative, as the institution does not carry out credit analysis as it is a pre-paid card, in which You need to have a balance to use it.

Therefore, to learn a little more about this card, continue reading.

Well, the Next card is a card launched by Next, a fully digital bank and a strong competitor to Inter and Nubank.

And, what's more, downloading the Next app is very easy, just install it on your cell phone, available for Android and iOS, and create a free digital account. Then, simply apply for the card and wait for the credit analysis.

Furthermore, the Next card is an international card, has a Visa brand, cashback program, Vai de Visa program and several other advantages for users.

So, the PagBank card is an international card, which also has the Mastercard brand and access to the Mastercard Surpreenda program.

And, in addition, through the PagBank card you can use various services from the PagBank digital account, this helps to simplify your financial life, as it is a prepaid card and to use it you need to have a balance in your digital account.

So, if you are looking for a card that allows you to spend, but also save, the PagBank card could be a good alternative for you. Additionally, you can shop anywhere in the world with various discounts from partner companies.

Well, the Next card has several advantages, the first of which is the fact that it has credibility, security and the various free services offered by the Next digital bank.

Furthermore, requesting the card is very simple, just install the application on your cell phone, available for Android and iOS, and create your digital account. After that, just apply for the card and it will undergo a credit analysis. If approved, you will be able to enjoy all the benefits.

You also have access to the bank's entire infrastructure with discounts at several partner companies, as well as control and planning of expenses through the application. And you can still pay bills, make purchases and various other services.

The PagBank card also has disadvantages, for example, if you are someone who likes to pay in installments, this card is not for you.

This is because it is a card that works as credit, but as if it were debit, as the amounts are deducted immediately.

And, in addition, withdrawals are also charged, just as it does not have a virtual card for online purchases.

Therefore, before applying for the PagBank card, check the other options on the market to see the best alternative for you.

Well, despite being a card full of advantages, the Next card also has some disadvantages, for example, to register there is a fee of R$30.

And, in addition, for people who have a fee-free plan, there is only one free TED available, meaning for other transfers you will need to pay a fee.

Just as there is some difficulty in unlocking the Next card and the credit function is also more difficult to accept, this is because the debit function is immediately released.

Therefore, before choosing to apply for this card, look at the disadvantages to see if it is a good alternative for you.

The PagBank card or Next card are two great credit card options offered under the Mastercard and Visa brands. This is because you can have access to several advantage programs such as Mastercard Surpreenda and Vai de Visa, respectively. It also has international coverage and you can also access the application to manage your expenses.

But, if you still have doubts, see another card comparison below.