Initially, the Submarino Card or the Shoptime Card are two card options that are among the best on the market. That's because they have several offers for you to shop at Submarino and Shoptime stores and in several other national and international ones.

So, to learn a little more about the advantages and disadvantages of these cards, we've brought you a comparison for you to do an analysis. Check out!

So, the Submarino card is a credit card model with a great discount program at the Submarino store.

And, in addition, it has a low annuity rate, around R$15.70 per month and you need to have a minimum income of one minimum wage.

In this regard, the credit card also has fees that must be paid when using the services that revolve around R$188.40 per year, but in exchange, it gives you an excellent cost-benefit ratio.

Well, the Submarino card has the Visa flag and entitles you to all the benefits of the flag, being issued by Banco Cetelem, which even though it is a small bank in Brazil, is part of the large BNP Paribas group.

In this, you can apply for the Submarino card through the store's website, filling out the form and, thus, waiting for the credit analysis, which is usually time consuming.

Finally, Submarino does not mention which credit score is required to have the card approved.

Well, Shoptime was created in 1995, becoming famous for having its own TV channel with 24-hour programming to present, show and sell products.

In this regard, today, it belongs to the B2W Digital group and also has a website with various products such as cell phones, diapers, furniture and several others.

And, in addition, it offers the Shoptime card, a credit service with exclusive payment conditions and several other advantages such as payment methods, costs and others.

So, the Shoptime card is a common credit financial product that has the Visa flag. It offers several functions and advantages upon payment of annuity.

In this, to request the card, just enter the Shoptime store website, click on “Shoptime Card, then click on “All benefits”. The next step is to scroll down to “How to order” and fill in the form. In this case, you need to log in and enter all the data.

Then, your request will undergo an analysis and within a few days you will receive a response from the company at the registered email. After that, your card will be shipped within 20 business days. In addition, just unlock it on the website itself.

So, the Submarino card has several advantages, the first of which is the fact that the company does not mention which credit score is required for credit approval.

This means that, even if you have a low score, but have the minimum income required, you can get the card approved.

And, in addition, Submarino has a discount program in the online store, so you can have access to all products at much more affordable prices.

Another advantage is that you also have a Leagues program, with many more advantages when making your purchases.

Just like, in addition to the already available limit, you guarantee access to the SuperLimite, an additional value to your card limit, exclusive for purchases in installments on the Submarino website.

And, in addition, as it is a card issued by Banco Cetelem, you can control and organize card launches, as well as consult the limit and best day of purchase on digital channels: Cetelem Online, Cetelem App or WhatsApp.

Finally, the card uses the Visa brand which entitles you to all the advantages of the brand. Therefore, the Submarino card came to bring more fun and super affordable purchasing power to you and your whole family.

Well, the Shoptime card has several advantages, the first of which is the fact that you can count on a points program and special installments on exclusive products and merchandise.

And, in addition, you have an additional credit for purchases in installments at Shoptime, as well as access to all accredited establishments in the Visa network.

Another advantage is access to the Vai de Visa program, as well as the right to Cashback AME and the Shop + points program.

Plus, you have up to 45 days to pay for the card, as well as exclusive insurance (subject to contracting), such as: Projection to the Pet; Safer Shopping; Financial Protection; Protected Card; Super home + safe and Global Protection.

Another advantage is that, as it is a card issued by Banco Cetelem, you can control and organize card releases, as well as consult the limit and best day of purchase on digital channels: Cetelem Online, Cetelem App or WhatsApp.

Therefore, the Shoptime card gives you access to several exclusive advantages to bring you more convenience when shopping.

So, one of the biggest disadvantages of the Submarino card is that it has a rather time-consuming credit analysis, bringing a little more difficulties for customers to access.

Another disadvantage is that it has a shopping application, however, it is considered inefficient by users.

Finally, the annual fee is considered high compared to other shopping cards on the market.

Therefore, before opting for the Submarino card, do a good research to find out if it really is the best option for you.

Well, among the disadvantages of the Shoptime card, we have to start with the annual fee. This is because there are several cards available on the market that do not charge annuity.

In this, you must pay 12x R$15.70 to be entitled to the Shoptime card, which is R$188.40 per year, an amount considered high.

And, in addition, to withdraw with the Shoptime card you need to pay R$13.90, as well as to request a duplicate of the card you need to pay R$20.

Therefore, despite being a card with a great proposal to facilitate your purchases, it also has very high fees and charges.

Well, the Submarino card or Shoptime card are two card options that have all the credibility, security, transparency and offers that Submarino stores and Shoptime offer their customers when shopping.

Therefore, make an analysis of the cards that are available on the market and see which one is the best option for you. And if you still have doubts, see some recommended content below about the shopping cards we brought here!