So, the PagBank card or Nubank card are purchase cards with no annual fee, international coverage, Mastercard Surpreenda program and several other advantages for customers who use these cards.

So, today, we are going to tell you about the advantages and disadvantages of these cards that bring convenience, security and credibility. So if you want to secure your credit card, read on and check it out!

So, the PagBank card is a prepaid card with international coverage offered by PagBank, that is, it works as if it were a cash credit card.

This means that, in order to use the card, you need to have a balance in your account, but you must use it in the credit option at the card machines. And besides, don't worry, because the card has no annual fee and you can shop at national and international stores.

Furthermore, PagBank does not carry out a credit analysis, nor does it require income, that is, if you have a low credit score, you can apply for a PagBank card.

So, to apply for the PagBank card, first of all, you need to open an account at the PagBank institution. Then just proceed to the request.

Therefore, if you want an affordable card that comes with a digital account full of advantages, PagBank has what you need.

Well, the Nubank card is a financial product issued by Banco Nubank, considered one of the best digital banks in Brazil and in the world with more than 30 million users.

And, in addition, it is a credit card with no annual fee, Mastercard brand and international coverage. In it, you have access to several other advantages, such as access to all the benefits of the Mastercard Surpreenda program and partner establishments.

So, to apply for the card, all you have to do is install the Nubank application on your cell phone, send all the requested documents, take a selfie and wait for the bank to analyze it. Then, after approval, your physical card is sent to your home, as well as you have access to the virtual card.

So, if you are looking for a card where you can make all your transactions through the application itself, including online shopping, this is the best option.

So, the PagBank card has several advantages, the first of which is the fact that it is an annuity-free card, that is, you do not have to worry about the annuity fee.

And, in addition, the card also has international coverage, that is, you can shop in national and international stores.

Thus, another super advantage is that you have unlimited withdrawals on the Banco24Horas, Saque e Pague, Rede Plus and Rede Cirrus networks, as well as payment by approximation.

So, the PagBank card brings everything you need in one card without having to go to a bank branch to apply.

Well, the Nubank card has several benefits, the first of which is the fact that it does not charge an annuity fee, that is, you do not have to pay any fee to keep the card services active.

And, in addition, the services offered by Banco Nubank are of extreme quality, being considered one of the best digital banks on the market.

So, another advantage of this card is that you have access to an application where you can see all the card movements, as well as block or unblock directly through the app.

Also, if you pay your card bill in advance, you can receive several discounts. It is important to remember that you have access to the Mastercard benefits program.

So, the first disadvantage of the PagBank card is that despite having an application, it does not have a virtual card, and it does not allow purchases in installments.

And, in addition, it also does not have automatic debit, just as it does not have an investment platform like Nubank, for example.

Another disadvantage is that withdrawals are charged in the range of R$7.50 and transfers are not free either.

Therefore, before opting for this card, look at the other card options on the market and your current financial situation, to see whether or not it is worth applying for it.

Well, despite the Nubank card having several advantages, it also has some negative points.

For example, if you delay the payment of an invoice, the late interest is up to 15% per month and the fine is 2% on the invoice amount, that is, delaying payments is not a good idea.

And, in addition, despite having international coverage, if you use the card in other countries, some fees will be charged, as well as you do not have access to a points program.

Finally, to increase your card limit, you need to send a request to the institution and, depending on your financial transactions, Nubank may or may not approve the limit increase.

So, before opting for this card, compare it with other financial products on the market to find out if it's the best option for you.

So, the PagBank card or the Nubank card are card options that have an advantage program, such as Mastercard Surpreenda, as well as a personalized application for you to have access to all services.

But if you still have doubts, see another card comparison below in the recommended content.