Although many people want a credit card, many give up because of the high fees, so why not find out more and decide between the Ton card or the Inter payroll card?

In short, the Ton card is ideal for small businessmen who need to be paid for their services or products and do not have a CNPJ, as they offer vending machines for this audience.

On the other hand, the Inter payroll card does not carry out a credit analysis, but is only available to public servants who can deduct the credit invoice from the payroll.

Furthermore, we are going to compare these two types of card with details so that you can choose the best option and buy again in credit mode without bureaucracy. Follow with us!

While many financial institutions end up being bureaucratic to release card machines, Ton, which is from Stone, emerges as a good option for those who only have a CPF.

This is because CNPJ is not required to choose between three machine options, T1, T2 and T3, in addition to the GigaTon, MegaTon and basic Ton plans, each with different values and benefits.

Anyone can apply for the Ton card, even without the need for a machine, that is, apply online, even with a negative name, as this is not a requirement of the company.

In addition, have a free digital card, with no fees when you don't request a machine, and take the opportunity to pay for subscriptions to Netflix, Spotify or other apps using international credit.

Working as a payroll loan, this card is ideal for public servants who need a credit card without an annual fee or any credit analysis.

Like other consigned cards, this card is aimed at public servants, but from specific locations, such as retirees and pensioners, municipal, state and federal servants.

Therefore, the payroll card works like a loan, deducting the invoice monthly from the payroll, so it is important to be aware of these discounts.

It is worth noting that even negatives can access this card as long as they are part of any of the aforementioned public institutions. In addition, cash withdrawals or installments can be made.

In order for you to know the details of this card, we will bring more details about the benefits of the option that does not charge annuity or any fee for using the card. See the main advantages below.

Above all, the Inter payroll card appears as a low-cost option for civil servants, for example. So see more details below.

Among the main disadvantages is the price of the tariffs, which vary according to the chosen plan, that is, if you do not choose the most expensive plan, GigaTon, you will have to pay a tariff that reaches 21,47% when there is a 12x payment in installments at the vending machine. .

Unless you don't choose this one, you must pay a fee of R$400.00 for membership, which can be paid in installments, however, it is high for some cases. In addition, it is not certain that a negative person will get the card or the machines.

What most calls attention in this option is the limitation of the public, that is, only public servants can access the card and only in their case there is no credit analysis.

Finally, what can also be seen as a disadvantage is the order, which is only done by phone. Among the documents, you must have a proof of residence issued for at least three months, therefore, it is a more restricted card.

We've reached the end, and were you able to decide between the Ton card or the Inter payroll card?

To summarize, the Ton card is broader, with the possibility of acceptance for negative people and with credit and debit machines, so that you receive for your sales without any bureaucracy.

On the other hand, the Inter payroll card is for public servants looking for the ease of having payroll discounts and not paying too many fees, that is, even retired workers with a dirty name can get this card.

So, before deciding, analyze your possibilities and which option best fits your financial moment and your needs, of course!

If you still haven't made up your mind, don't worry, as below we have an interesting comparison for your case, so stay with us and increase the options to decide which credit card will be yours!