Choose between the Santander 1 2 3 card or the Acesso card and buy again on credit, with a 50% discount on annuity, in addition to international purchases. Meet!

How about comparing the Santander 1 2 3 card and the Acesso card with us, understanding the Brazilian economic scenario?

Undeniably, we are living in an atypical moment, where banks and financial institutions are offering chances for negatives, mainly because of the pandemic. Unexpectedly, more than 63 million Brazilians have had their names negative since the first confirmed case of covid-19, according to Serasa.

Thinking about it, many banks are giving up denying requests to people with low scores or dirty names, for example. However, the biggest ones are still very resistant, so there are prepaid cards, which do not require proof of income and facilitate credit purchases, such as the Acesso card.

Furthermore, there are also increasingly exclusive credit cards for those who have never been near the SPC/Serasa, among them the Santander 1 2 3 card, which requires a high minimum income, but in return has many benefits for customers, including them, the tripling of accumulated points.

Let's compare!

Undoubtedly, Banco Santander cards have different types for each income profile and, now, discover the Santander 1 2 3 card, created for high incomes, but accessible with benefits that were previously given to older profiles in the bank and with high incomes. much larger than those mentioned.

Just to exemplify, those with income from R$4,000.00 can apply for the card, paying a monthly annuity of R$35.50. In addition, it is possible to triple the earning of points with a dollar spent on international purchases, however, every dollar spent has one point.

Furthermore, this is a credit card with several possibilities, with up to five free additional cards and discounts of up to 50% on the annuity when there are monthly expenses of up to a thousand reais of the credit limit, which makes this value low and even more accessible.

Finally, Santander 1 2 3 card customers still have an application to carry out their day-to-day transactions, with the participation of Mastercard brand advantages programs and extended insurance for any purchase made with the credit limit, therefore, if you have clean name and compatible income, the decision between the Santander 1 2 3 card and the Acesso card becomes easier.

Even if your name is negative, you can enjoy the benefits of the credit modality through prepaid cards, which offer the possibility of subscribing to services such as Netflix, Spotify, Amazon Prime and even ride-hailing and food apps.

Above all, the Acesso card is ideal for those who need to pay by credit and don't have many commitments related to the bank, for example. This is because there is no need to open a bank account, just acquire the card, activate it and move its functions in the Access application.

Furthermore, it is a prepaid card that can work as a financial planning tool, as you can spend it based on the recharge amount and you will never be charged for invoices, fees or installments to be paid, as you can leave it just like the streaming subscriptions card, for example. 

Finally, it's like having a credit card without the option to pay in installments, but which serves in different ways, such as payments in online stores and in other countries, for example. Thus, it is much more peaceful to take advantage of promotions and offers! So, if you are negative and you are thinking of deciding between the Santander 123 card and the Acesso card, this will be the choice.

Therefore, you can have a credit card that offers good limits and does not abuse fees, and in the long run, you can get a good amount of points and exchange them for numerous products. In addition, see other advantages of the Santander 1 2 3 card below.

In addition to offering a credit card without opening an account, the Acesso card does not lock the customer into using it, for example, as it charges fees only when there are top-ups. So, see other advantages below.

Although the advantages are attractive, some restrictions place the Santander 1 2 3 card on a distant level for some people, since it requires the customer to have a minimum income of R$4,000.00. 

In addition, it has a high annuity for some financial levels, which is only lower when there are expenses above a thousand reais per month. Therefore, it is not indicated for those who are in default.

Finally, although it is useful for accumulating points, it stops accumulating when the total reaches 500 points, which takes away the customer's interest in continuing to buy to exchange points, for example.

Firstly, there is no way to pay for purchases with prepaid cards in installments, which we can consider as a disadvantage for those who need a credit card, for example.

In addition, the Access card fees, if added together, can generate a high value. Just to exemplify, if monthly recharges are made, the payment of R$ 5.95 must be made as a monthly maintenance fee.

Finally, be aware that to activate the card, you must recharge R$ 100.00 before starting to use it. Furthermore, if you prefer not to recharge this amount, you will still pay R$14.90 to issue the Access card, which can be complicated for some people.

So, between the Santander 1 2 3 card and the Acesso card, which one did you choose? Although they are credit cards for different profiles, they offer the Mastercard brand and are ideal for those with a good monthly income.

Furthermore, they are good indications for those looking for credit to pay monthly subscriptions and especially to shop online.

While the Santander 1 2 3 card requires a credit analysis and a minimum income, the Acesso card is for negatives who cannot prove income.

So check out all the details calmly and write down each information to decide safely and peacefully.

Finally, if the doubt still exists, don't worry. Next, our team prepared another interesting comparison for your case that can help you choose the best credit card today!