To begin with, the Santander SX card or Pan Card are two credit card options that offer super special discount programs for customers. On the one hand, we have a card that accepts Visa or Mastercard.

On the other hand, we have a card that has a super interesting app full of functions to bring more autonomy and financial security to customers.

Then, we will show you the pros and cons of these cards, so that you can compare them and make the best decision about which would be the best credit card! Check out!

Well, the Santander SX card is a credit card model that was created to replace the old Santander Free card and applying for this card is very simple.

Just go in person to one of the Santander bank branches, or you can apply for a credit card over the phone or on the Santander website.

So, the Santander SX card can be circulated under the Visa or Mastercard brand, has international coverage and also the possibility of zeroing the annual fee. This is because, when purchasing the card, following certain criteria, the customer can reset this fee.

To do this, the customer can register the PIX key, however, for the registration to be effective, they must become a Santander bank account holder. Or, you can spend more than R$ 100.00 per month to get the exemption.

There is also the option of requesting 5 additional cards to the Santander SX card, bringing even more comfort to users. This is because every family can have access to the card! Too much, right?

Therefore, the Santander SX card is a card that brings with it the history, values and various offering programs of the Santander institution, which allows the customer to have the security of a serious financial institution and whose essence is to prioritize the best for its customers. customers.

Well, in February 2020, the PAN bank's free digital account was launched, offering several advantages for customers starting out with the offer of credit cards with the Visa or Mastercard brands with no monthly fee.

And in addition, credit cards have international coverage that allow you to make purchases in Brazil and around the world!

Requesting a Pan card is very simple. Simply access the Banco Pan website online, fill in all your personal details, agreeing to the terms of responsibility and wait for the approval of the Pan bank credit analysis, which can take around 10 days.

Furthermore, the Pan card has an application, available in Android and iOs versions, with super personalized functions to give more autonomy and practicality to customers who, with it, can even contract more bureaucratic services such as personal loans and emergency limits.

However, the Pan card is not a good option for people with a bad name, as well as people with a low credit score. This is because Pan bank's credit analysis tends to be more rigorous than other credit cards.

Therefore, the Pan card is a super modern and technological card model that also features contactless payment and several other offers for customers. So, be sure to check out the other advantages that we will mention below.

So, let's get to know the advantages of the Santander SX card, which is part of the Santander financial institution:

Therefore, it is a card full of advantages, however, be aware of the fees charged so that it does not become an investment that may not be so advantageous in the long term!

So, let's get to know the advantages of the Pan bank credit card:

Therefore, one of the biggest advantages of the Pan card is the contactless payment method, which is designed to make payments with credit cards faster and bring more security and comfort so that users do not need to register a password when making purchases!

Well, one of the biggest disadvantages of the Santander SX credit card is the annual fee charge. This is because we have already mentioned several models of credit cards in which the biggest advantage is the exemption from the annual fee.

Therefore, it can become an impediment for new customers to purchase this card. However, Santander SX offers a proposal for customers to request a card without paying the annual fee. To do this, some criteria need to be followed.

Well, for the customer to be able to reset the annual fee, they need to register the PIX key or spend invoices above R$100. The fact is that, to register the PIX password, you must be a Santander bank account holder.

Therefore, the Santander SX card can be an advantageous option, but, first of all, do a good analysis so as not to think you are making a good investment and end up spending more than expected with invoices above R$100.

So, we can see in our analyzes that the biggest disadvantage of the Pan card is the credit analysis. This is because a low credit score and a negative name can be impeding criteria.

Furthermore, another point that the Pan card leaves something to be desired are the fees charged for some types of services offered by Banco Pan. Therefore, once again, do an analysis and compare the two cards to find out which one best meets your expectations .

Well, the Santander SX Card or Pan Card are two models of credit cards with innovative proposals on the market to present customers with very interesting ways of using the credit card, as well as various discounts and offers.

Therefore, make a thorough comparison and see which of these two cards suits you best. And if you still have doubts about which is the best credit card currently on the market, see another comparison of cards that we recommend below.