In order for you to have a useful, cheap credit card that helps with financial organization, how about choosing between the Santander Universitário card or the CEA card?

While many banks are strict in selecting their customers, Banco Santander offers more flexible proposals, such as the Santander Universitário card, which provides a pre-approved limit without credit analysis and also discounts on monthly payments.

On the other hand, the CEA card comes with a unique proposal, providing the customer with different limits, that is, having a limit for purchases in or outside the store, but also withdrawals from the card without this influencing the amount made available, which is very useful, isn't it?

In short, both are ideal for those looking to pay using credit, especially streaming services such as Netflix and Amazon Prime, but they are also accepted in thousands of establishments with discounts set for a specific audience.

In addition, learn more about these two popular cards, which are easy to approve and apply for without bureaucracy, all done online. So, see the comparison we prepared thinking about your needs.

Certainly, many students enter universities without any financial support, which makes it very difficult to cover monthly expenses such as transportation, tuition fees and other routine expenses, right?

In this way, university cards were created with young people in mind, who do not have an income and need to study, therefore, Santander's option does not require the student to have a job or be required to present documents for a credit analysis.

Furthermore, the option here also provides support for students to pay their monthly fees by offering an extra limit, as long as the college has an agreement with Santander, which means that there are also possibilities for a discount under the same rule.

Furthermore, students who pay their monthly bills correctly will also have their limit increased, the possibility of paying bills in installments over up to two years and even be exempt from annual fees, as long as a minimum amount is spent each month.

Known for being one of the largest retail stores in Brazil, CEA is one of the stores that offers a broader credit card, with a credit brand, the possibility of purchases in other stores and even a double limit, which we will explain in more detail below.

This means that if the customer needs an emergency withdrawal, it can be done without affecting the purchase limit, purchases that are made in stores but also in other locations, on the internet or in physical establishments in other segments.

In this way, the CEA card can be useful in many cases, mainly because there are three types available from Bradescard. In contrast to other stores, the customer can choose between Visa, Mastercard or Elo.

In short, discounts reach 10% on the first purchase and interest-free installments reach 5x, and if you choose the Elo option, you will still pay only half for Cinemark tickets and you can also use free Wi-Fi anywhere that offers network availability.

Firstly, offering a credit limit without any proof to an audience that is usually very young is certainly useful, so see more advantages in detail below.

In short, the C&A card appears to be interesting because it allows the customer to use it as a normal credit card and after approval, it offers two limits that can be used without one influencing the other, for example, so check out other benefits below.

Since we are talking about the advantages, it is important to highlight the disadvantages of this university card, which has, among the main criticism, the requirement of minimum spending to avoid charging an annual fee, that is, making at least one hundred reais in purchases to get rid of the fee.

Not only that, you need to understand about the additional extra limit, which does not apply to all cases, since only students at colleges that have an agreement with Santander are approved for this specific benefit for tuition fees, for example.

Right after you are approved for the CEA card, know that you will have to pay high annual fees, which vary between R$173.00 to R$278.00, regardless of the type chosen, this is the total annual amount to be paid.

There are also fees to pay when you withdraw money from your available limit. The fee can be as high as R$12.00 per withdrawal, which can be a bit heavy on your pocket. In addition, the interest-free installment plan is short compared to other stores, meaning that when you pay in more than 5 installments, you will also incur fees.

Finally, were you able to choose between the Santander Universitário card or the CEA card? 

Since a credit card does not require proof of income, it has low fees and advantages for students who are experiencing financial difficulties, while the other option is focused on in-store sales and offers two credit limits.

Without a doubt, both can be useful and can be used for purchases in credit mode, regardless of which one it is, such as payments for streaming, food apps or ride-sharing, for example.

Furthermore, don't worry if you haven't found the ideal credit card yet, because while you were checking out this comparison, we prepared another one that is just as detailed with other easily accessible options on the market.

So, click below and stay with us.