Just like people with clean names, those who are negative also need options, so we'll bring you a comparison between two cards so you can decide whether it's better to opt for the Santander 1 2 3 card or the BBB card.

Although it is a credit card for higher incomes, the Santander 1 2 3 card is ideal for those looking to accumulate points, as it offers tripled chances on international purchases in dollars.

On the other hand, the Brazilian Business Bank card is made for people with a dirty name who need to access the credit modality to pay subscriptions to streamings and other services, in addition, it offers loans to serve as a credit limit.

In addition, follow with us the comparison of the two credit cards and have more details to decide between two products that are indicated for different audiences, but that are useful in general for those who need to make international purchases and not face so much bureaucracy.

So stay with us as this post will help you with important financial information.

Although Banco Santander has many credit cards, this is one of the most accessible and offers benefits for those who like to accumulate points. Just to exemplify, on the Santander 1 2 3 card the accumulated score can be tripled.

Therefore, when purchasing in international coverage, instead of accumulating one point, you add three, in addition, when purchasing in online or physical stores, earn one point, as well as other credit cards.

First, be aware that only those with a monthly income of R$4,000.00 are the target audience for this credit card, and that they will pay a monthly annuity of R$35.50, with the possibility of reducing the value by up to 50% through a monthly expense of a thousand reais.

Finally, the Santander 1 2 3 card offers five additional free cards, a bank application to carry out bank transactions and, also, guaranteed presence in Mastercard brand programs, which also offers its own points program, for example.

While many prepaid cards only offer the top-up credit limit, the Brazilian Business Bank card does more, enabling a loan that can reach up to R$30,000.00 to be your credit limit, that is, in addition to the top-up you will have this chance.

However, it is useful for negatives who need to buy with credit and subscribe, such as Netflix, Spotify and other apps, such as Uber and iFood, for example. Still, you need to have money on your prepaid card to make purchases.

Therefore, the loan is provided by Simplic and has the installments to be paid. In addition, the BBB card does not allow purchases in installments, since it is prepaid, yet it is very useful for international and internet purchases.

Finally, when choosing, first observe the status of your CPF and income, to decide between the Santander 1 2 3 card or the BBB card. Continue with us to learn the advantages and disadvantages of the options.

While some traditional credit cards use bureaucracy to thwart requests, this one is known to have faster approval and constant limit increase possibilities. Therefore, see this and other advantages of the Santander 1 2 3 card below.

Undeniably, there is great difficulty in getting a credit card when the score is low or the name is negative, isn't it? With that in mind, the BBB card offers the credit modality with a Simplic loan. In addition, the financial product offers other advantages, such as those described below.

Firstly, the Santander 1 2 3 card ends up being targeted at a specific public that is not part of the majority of Brazilians, that is, people with high incomes and who manage to pay a value slightly above the monthly annuity.

In addition, to get at least one discount from this fee, you must spend at least R$ 1,000 on the bill, so be aware that there will be monthly bills in that amount if you need discounts on the annuity.

Finally, although it is useful to accumulate points and manage to triple them, if your objective is to have an unlimited chance of accumulation, this card will prevent you, since the maximum possibilities offered by Santander is up to 500 points accumulated on the card.

Mainly for negatives, the BBB card can be useful, but when you need a loan through Simplic, the interest can be high. 

Just to exemplify, when personal credit is R$ 3,500, the installments reach R$638.00 in some cases, with the value reaching more than R$ 7,600.00. In addition, to use the card, there is a fee of R$ 49.90 to be paid.

In addition, there is also the possibility that the Simplic loan will be denied because your score is too low, or just because the name is dirty. Therefore, it is necessary to do a lot of research when deciding, after all, those who seek the option need credit, right?

Finally, the choice between the Santander 1 2 3 card or the BBB card is complicated, do you agree?

Mainly because the two cards have the chance to buy on credit, to make international purchases and to participate in Mastercard brand programs, in addition to having low fees.

In addition, observe your financial situation and the possibilities that exist for your case, in this way, you will arrive at the most correct decision and you will be able to take advantage of purchases on credit again.

Even if you have compared the two options, the decision may not have been reached. So, don't worry, as below we have another comparison made with love by our team! Keep reading and find out.