At the outset, the Saraiva card and the Pan card are two credit card options that offer a package of services to their customers in a personalized and unique way and that ensure security and comfort when making their purchases.

Then, we'll show you the advantages, as well as the disadvantages of these cards, so that you can choose the one that best suits your needs! Therefore, below we will show some characteristics of the two cards. Check out:

Well, in February 2020, the free PAN bank digital account was launched. In this regard, it offers a package full of advantages for customers, and among these advantages are the offer of VISA or MASTERCARD credit cards, with no monthly fee.

However, to acquire the cards, the PAN bank performs a credit analysis of the customer, and then proceeds to approval. That is, it is not a good option for negatives and people with low credit scores, as they may have their application denied.

And in addition, after the request, the customer receives a credit card that allows him to pay by approximation at the shops' machines using NFC technology, as we know the contactless call, and also various discounts on trips and restaurants.

Also, the Pan card has an app full of functions, available for Android and iOS, and through it, you can even hire services such as emergency limits and personal loans, that is, it brings all the convenience you need.

Therefore, the Pan card is a card model that leaves nothing to be desired for the other cards on the market and still manages to innovate with new features and exclusive offers for Pan bank customers, which has been innovating in the market for years.

At first, the Saraiva card, which belongs to the Saraiva bookstore chain, is well known for working with a quick approval of the credit card application, as well as having a free annual fee, additional cards and benefits such as international coverage and the flag's benefits program. VISA.

Furthermore, this card also offers discounts and offers at all Saraiva bookstores, as well as advantages of the Classic version of the VISA flag. Well, this card was born from the partnership with Banco do Brasil and since then it has been a success among customers.

Another advantage is that it allows the accumulation of points in all purchases, which can become discounts or airline miles in the LATAM Pass for you to travel. And you can still accumulate points through Saraiva Plus and the Vai de Visa program.

However, as it is issued by Banco do Brasil, this card can only be requested through the OuroCard app by Banco do Brasil customers, making it more bureaucratic for other consumers to access the Saraiva card, as they need to be account holders at Banco do Brasil, to to have access.

Therefore, despite having an excellent credit card proposal, the card has the most restrictive access for these customers.

Well then, the Pan card has several advantages, as we will see:

Well, let's see the advantages that the Saraiva card has to offer:

Therefore, it is a card full of advantages, including for people who like to shop at Saraiva's bookstores, as there are several exclusive discounts and offers for these customers!

So, the biggest disadvantage of the Pan card is the need to credit analysis. That is, your request may be denied if you have a low or negative score. And in addition, another negative point are some fees that may be charged, however, the amounts are still low compared to other cards.

Well, the first disadvantage that we can observe in the Saraiva card is the need to be an account holder at Banco Brasil, to have access to the card.

Furthermore, the request is not made immediately. This is because, it is necessary to wait until the request is approved. So, despite being a single card, it also lacks in these more bureaucratic points, making it difficult for new customers to access.

Well then, the Saraiva card or Pan card are safe and interesting options to access a credit card full of advantages for its users, as well as unique and exclusive offers and discounts. So it might be a great option for you.

Therefore, compare the two options between Saraiva and Cartão Pan, and see which one has more advantages and more attractive offers! But if you still have doubts, how about checking out another comparison below? Just click through to our recommended content below.