After starting financial life, it is common to learn a little more and want to invest in more things. That is, after going through the basics of having a credit card and a checking account, it's time to start thinking about investments. With that in mind, BTG offers the BTG card with no annual fee! For you who want to unite the financial day-to-day with the world of investments. Keep reading and see the details of the BTG card!

The BTG card with annual fee exemption offers several benefits to its customers. Incidentally, the card has the Mastercard flag and international coverage. Therefore, you can use it in several establishments and countries. In addition, BTG offers the virtual card, so you can make your purchases with even more security. Your virtual card can even be linked to your digital wallet. In this sense, approximation payments are even easier by cell phone or watch.

Furthermore, the BTG card has Invest+. A cashback program, in which the entire amount goes straight into an investment fund. That way, you invest paenas doing your day to day shopping. However, this plan is not fee-free. That is, to have access to Invest+ it is necessary to pay an annuity of R$30.00. 

In short, the BTG card limit depends a lot on your proof of income. Therefore, first you need to see if you will be approved for the account. If so, a period of three months is recommended for the bank to increase your limit. This is because during this period BTG builds its relationship with you. In this sense, it knows your financial habits and finds out if you pay your bills on time.

 At first, the main advantage of the BTG card is the fact that it is part of a bank focused on investments. That way, you have access to a credit card with exclusive benefits and without having to pay any annual fee.

Therefore, the BTG card has Contactless technology, so you can make your purchases more conveniently. In addition, you can also generate a virtual card to use in your digital wallets. Thus, all your purchases are made with much more security.

Furthermore, BTG provides an application for you to manage all services. In this sense, you can change the limit and monitor your expenses directly through the app. That is, much more practicality for your day to day taking care of finances.

Basically, the main disadvantage of the card is the fact that some benefits are only available if you pay an annual fee. For example, Invest+ and the points program are only available if you pay a monthly fee. In short, to participate in Invest+ you must pay an annuity of R$30.00 per month.

However, it is possible to be exempt if you spend R$3 thousand monthly or invest from R$20 thousand. Also, if you also want the scoring program, the amount is a little more expensive, R$40.00. However, to be exempt, just spend R$4 thousand per month or invest from R$30 thousand.

In this way, as we have already mentioned, BTG offers a complete application for you to check your BTG card bill free of annual fees. That is, just download the application and you have access to the invoice and also to your card limit.

Although BTG focuses on digital solutions, they also offer a Call Center. Therefore, the center is available 24 hours a day and 7 days a week. See the numbers:

Access the BTG Banking app and then the Cards menu to request your credit card. When signing up, you can choose the benefits you want, customize the card's design, choose the invoice due date and define your password. Credit approval is subject to review.

First of all, know that the BTG bank mainly focuses on people who are interested in investing. So keep that in mind when hiring. In addition, to be approved for the BTG card, you just need to present proof of compatible income and have a good payment history. 

In this sense, the bank will analyze your profile and understand whether or not it can offer you a credit offer.

In summary, Invest+ is a cashback that reverts to an investment fund. For example, when you make a purchase with your BTG card, 0.5% is automatically converted into an investment. That way, you don't always have to allocate an amount to invest. This is because the bank performs this operation automatically.

However, it is worth remembering that to use Invest+ on the basic BTG card, you must pay an annual fee of R$30.00. However, it is possible to obtain exemption from this amount. Just spend R$4000 per month or invest from R$20 thousand in BTG itself.

Finally, you learned more about the BTG card with annuity waiver. Incidentally, this is the most basic card among those offered by the institution. Still, the benefits are great! For example, having access to Invest+ and the points program. However, if you are still in doubt and want to know one more option, let us show you the Magalu card! With the Magalu card you have exclusive conditions and 2% cashback on all purchases at MagazineLuiza. See more details below:

So it's up to you to decide which card best fits your financial profile. Therefore, remember that the BTG card is focused on those who like investments. To learn about this other option with exemption from annuity, click on the button below.