In today's post, Senhor Panda will present you with a comparison between the card for All and the Afinz card. Therefore, let's define which one might be the best for your consumer profile.

Therefore, the first point is to mention that both are offered by committed companies whose objective is to improve the lives of customers and cardholders.

However, it is worth studying the characteristics of each one, such as annuity, advantages, disadvantages and everything they can offer.

So, follow this content and stay on top of all the information we have separated for you.

The Cartão para Todos is focused on improving the quality of life of people who request the service. Whether in education, leisure or health. In this sense, the card seeks to bring the best opportunities to the holders.

Therefore, it should be noted that it does not refer to a credit card, but a discount card that gives you access to accredited services on the network. In addition, the card is extended to family members and offers access at a more affordable price to accredited partners. These services refer to health, education and leisure.

A credit card is required for contracting, as the annuity is charged on the invoice for this card, which must be informed at the time of request. Furthermore, as it is a discount access card, it does not have a specific flag and only has national coverage.

Located in Sorocaba, Afinz is a finance company whose motto is to bring better financial conditions to all its customers. Both in terms of movement, payments and sales. Therefore, the finance company developed an international credit card, in partnership with the Visa brand.

The card has a monthly fee of R$22.99. However, it has several benefits such as approximation payment, secure and bureaucratic request and much more. In addition, it offers the advantage of access to the Você Bem program, which gives you access to exclusive discounts at health partners at no additional cost.

Therefore, check out the advantages of the Cartão para Todos and the Afinz card below and evaluate the best option for your financial profile.

The Card for All offers exclusive discounts at various health establishments. That is, it includes medical specialties with face-to-face or online services, dentists, pharmacies, opticians and many other establishments in this segment.

In addition to health, education is also seen as a key point in the Cartão para Todos. Therefore, the card has a partnership with more than 67 universities, language schools and technical courses. That is, we can find affordable prices in schools and courses, whether face-to-face or even distance learning.

Best of all, leisure is also one of the advantages of the card. Therefore, the Card for All offers excellent conditions for those customers who love to travel with family and friends. Therefore, it offers exclusive discounts and perks packages.

Afinz offers a 50% discount for all additional credit cards that Afinz customers apply for. Therefore, the customer can have access to extra cards with much cheaper values.

Another very useful feature that the Afinz card offers is contactless payment. Therefore, it is not necessary to enter the password, just approach the card and pay.

In addition, each customer who makes purchases with the Afinz card, whether additional or not, has a period of 40 days to pay the installments divided at the time of purchase.

And the Afinz application has several functions related to the credit card and the holder's account. In this way, it brings even more convenience with options for card management to be done in the palm of your hand, without bureaucracy.

Finally, the card also offers international coverage so that the cardholder can make purchases not only in Brazil, but in stores abroad.

Therefore, the first disadvantage of the card is the fact that it is neither a credit card nor a health plan. That is, it only refers to a card that gives you access to discounts at partner establishments in the network.

In addition, one of the main difficulties encountered by cardholders is the service and support itself. Well, the Card for All has few points of service.

The card's monthly fee can also be considered a very negative factor when using it. This is because even if no card service is used, the customer must pay the fee.

The card does not exempt any Afinz holder and customer from paying the annuity. Therefore, all customers must make an annual payment of R$275.88 to use the credit card.

In addition, although the customer has up to 40 days to pay the installments, the interest that increases with the delay and long installments is very high. 

Therefore, approximately 12.99% of interest is charged for the payment of card bills made at the time of purchases. Therefore, late payments can generate high debts in the future.

Finally, negatives and people with irregularities in the CPF have little chance of being approved when applying for the Afinz credit card. Therefore, the company carries out a credit analysis which makes this approval impossible.

As we can see, both cards charge an annuity so that cardholders can continue enjoying their advantages and benefits.

However, the Afinz card is more complete. In addition, its biggest differential is that it is a credit card that also has access to discount advantages from partners in the health area. In other words, it offers a more complete service in relation to the Cartão para Todos.

Another point to be considered is that the Afinz card has international coverage and gives the user greater shopping and payment autonomy. The Cartão para Todos, as already mentioned, is more focused on advantages and discount plans.

Therefore, you must weigh all the pros and cons about financial products. And remember that the choice will always depend on your financial profile and your needs.

Also, if you still have doubts, check out our recommended content where we present a comparison between the Afinz and Inter cards. Evaluate all options and make your best choice!