After all, between the Santander 1 2 3 card or the BTG card, which would be ideal for your financial profile? Follow us on the post and learn everything!

Sometimes it takes us a while to choose a credit card, as the options are similar. Still, there are credit cards that offer digital accounts with advantages, such as the accumulation of points and the possibility of investments.

First, the BTG Pactual bank, which is very well known, decided to reach another public by creating three types of credit card, all with the name BTG+. Therefore, it is suitable for those who are adapted to digital accounts and approximation transactions, for example.

As well as the card mentioned above, the Santander card has options for all profiles, but the Santander 1 2 3 card is ideal for those with not so high incomes and looking for chances to accumulate points more quickly, buying online and tripling scoring chances.

Finally, we will bring you more details about these credit cards so that you can choose the best one for your pocket, making international purchases, accumulating points and, still, managing to invest your money in digital accounts without many fees. So follow the post!

Although there are similar cards, those who choose the Santander 1 2 3 card have one of the most advantageous programs for accumulating points, as it is possible to make just one international purchase and have three points, accelerating the goal of those looking for it.

Therefore, it is very useful for those who tend to maintain numerous point programs, for example. In this way, the card has some details, such as requiring a minimum income of R$ 4,000.00 and also the payment of the monthly annuity of R$ 35.50, with the chance to reduce this amount by spending a thousand reais per month.

So, it's an affordable card that also offers another five additional cards without any amount charged, in addition, the Santander 1 2 3 card has an application to move your bank account without leaving home, with the chance to be able to shop more safely.

That is, the extended purchase offered by the credit card protects you from damage to equipment thanks to guarantees, which can be used in various purchases on the internet. Therefore, when deciding between the Santander 1 2 3 card or the BTG card, take into account your income and possibilities.

BTG Pactual is known for being a large investment financial institution, and since digital accounts became popular, it has decided to offer options to its customers that are divided between the most basic and the Black option, which requires a minimum income of R$ 15 thousand .

It is certainly great for those looking for international purchases and who tend to subscribe to streaming services such as Netflix and Amazon Prime.

In addition, it is a very interesting bank for investors, since there is Invest+, that is, for every expense you have on your credit card, part of the amount will be reverted to a fixed income fund, which makes your money earn daily without any effort. , which is very advantageous, isn't it?

Finally, the Black option of the BTG credit card, with a monthly annuity of R$90.00, offers many advantages if you have investments in the bank that reach R$ 300 thousand, even getting discounts on annuities.

In the same way that you can have a credit card with a good limit, the Santander 1 2 3 card is also ideal for accumulating points and exchanging for miles or products, so check out more details of the Santander 1 2 3 card below .

In fact, it is possible to have a BTG credit card with minimal income, but it also caters for those with high income who also like to invest, for example, since the bank is very traditional in this area. In addition, there are other interesting advantages, such as those described below.

As there are benefits, the minimum income requirement of R $4,000.00 can be considered a disadvantage. In addition, just by spending at least a thousand reais you will have half the annuity, if not, you will have a monthly payment of almost R$36.00 in annuity alone.

Although it is useful for streaming subscriptions, it is not indicated or approved for people who are in default, for example. In addition, as much as the accumulation of points is accelerated, it has a limit.

Just to exemplify, there is no way to exceed the 500 points accumulated during purchases, since the Santander 1 2 3 card limits the accumulation of points to this amount, so no matter how much you get more, you will not have more than this number.

Although it is ideal for investors, the BTG card has some aspects that may not be interesting, for example, Invest+. Just to exemplify, with the card in the basic and advanced versions you need to pay an additional amount in the annuity to be able to take advantage of this benefit.

Also, don't expect that because you don't have a minimum income requirement, you won't have a credit check. As with other credit cards, you will go through a detailed review and there is a delay for approval, so keep an eye out when you apply.

Finally, even if you have a clean name, a low score can prevent credit card approval even in the most basic version, for example, which can bring restrictions in some cases.

In fact, the decision between the Santander 1 2 3 card or the BTG card is not easy, but you can choose the one that will bring you the most benefits. While one offers a lot of points, the other is ideal for anyone looking to get started in the investment world with guidance.

Also, if you haven't decided yet, don't worry! After you've checked all the details, you can insert other options in your ranking by clicking on the recommended content below and checking out another comparison, so keep reading!