First, having a credit card is paramount, regardless of your financial situation. Therefore, deciding between the Ton card or the Magalu card can be good for numerous needs, such as payment for subscriptions and applications.

In order for you to decide, in this comparison you will know every detail of the options, known for not having bureaucracy and not charging customers high fees.

In short, the Magalu card provides great discounts and interest-free installments, does not require an annual fee and also offers cashback with each purchase in the store.

On the other hand, the Ton card is for entrepreneurs looking for a cheap card machine, but who also need an international credit card and low fees.

With this initial information, without further ado, follow the comparison and choose a card that provides credit purchases and savings in each transaction. Let's go!

At first, the Ton card, which belongs to the Stone company, appears as an option for self-employed people who need to receive their sales with a card machine at low cost.

Therefore, it allows the request by CPF or CNPJ, releasing the digital card only for those who have the card machine through the CPF, so choose between three plans.

Therefore, there are Giga Ton, Mega Ton and Basic Ton plans, each one charges a membership fee that can be paid in installments and fees apply to each purchase in which installments vary from 7,44% to 21,46% when the division reaches 12x.

In addition, the digital card is free, allows international purchases and has no bureaucracy for your order, made over the internet. Ideal for entrepreneurs and individuals seeking security and practicality.

As well as other store cards, the Magalu card is focused on discounts in physical establishments and in the online store, therefore, it even applies cashback on purchases.

With zero annuity, it applies 2% of cashback to each purchase made in stores and the customer needs to activate their MagaluPlay account to have access to the return of the money.

As well as being free, the Magalu card provides up to 24 interest-free installments, performs a credit analysis of your profile and releases a modern card with payment by approximation.

Finally, the account is handled entirely through the application, where the customer also controls their Vai de Visa program points and can check invoices, make transfers and even use the cashback balance on purchases.

In order to encourage small businesses, the Ton card promises a machine with the lowest rates on the market, which means savings of almost R$200.00 compared to the competition, according to the official website. So, check out other beneficial details, below.

After the Magalu card is requested and approved, the customer will be able to make purchases on the site at a discount and enjoy all the advantages, so check out other benefits of the Magalu card below.

Even if it is advantageous for self-employed people, the Ton card is not clear if it has a credit analysis and if it is released for those with a dirty name, for example, which limits access to some people.

In addition, only GigaTon plan customers who choose the T3 machine get the lowest rates and enjoy the benefits, but in the option the user pays R$406.80, an amount that can be paid in installments.

Not just a store card, the Magalu card is a credit card, therefore, the customer undergoes a rigorous credit analysis to get the limit, which is not interesting for those with a dirty name.

As much as there is cashback, it cannot be used as the customer defines it, but only in the digital account and buying Magalu products, that is, no spending the amount collected on cashback in other establishments.

So, did you manage to define which card will best suit your financial profile?

Just to exemplify, both the Ton card and the Magalu card are cheap and accessible, since they do not have high fees and even allow international purchases.

While the Ton card is indicated for entrepreneurs who do not have a CNPJ and want a digital account, the Magalu card brings savings on purchases and a free digital account.

On the other hand, only the Magalu card informs that it requires a credit analysis, so how about taking a risk and ordering the Ton card with the negative name?

Finally, don't worry if you haven't made a final decision based on our explanations, after all, below we have another detailed comparison with interesting options! So stay with us!