Cards
9 cards for negative employees 2021
If you are negative, but are salaried, don't worry, we have 9 card options for negative employees. Among them are: international coverage, absence of SPC and SERASA consultation and several discounts at partner stores to make your financial life easier! Check out!
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After all, here you will find the ideal card for you.
So, currently on the market there are dozens of credit card options for people of different categories. On the other hand, not everyone accepts customers with a dirty name, so we have brought 9 card options for negative employees.
In addition, you will be able to discover new bank options that perhaps were not even among your choices. So let's go!
What are the best card options for negatives in 2021?
So, see below the 9 cards for negative employees.
1. Superdigital
So, if you are looking for a card that offers state-of-the-art technology services and various benefits, the Superdigital bank has what you need.
That's because it offers two types of credit card: the prepaid Mastercard Internacional and the virtual one.
By the way, the fact is that on the first Supedigital credit card, you will be able to make purchases at any establishment in the world, withdraw at any ATM in the Banco24Horas network and also have access to the Mastercard Surpreenda program.
And, in addition, you are not charged the annuity fee, as well as, you are not charged interest, fees, purchase limits and the account is never negative, as it is a prepaid card.
That is, to make purchases with the Superdigital card, it is necessary to have a balance in the Superdigital account. Therefore, it is a card that has a very accessible credit analysis.
minimum income | Free |
Annuity | Free |
Flag | MasterCard |
Roof | International |
Benefits | Receive and transfer money to any bank Pay bills directly from your cell phone charge cell phone Withdraw at the Banco24Horas Network ATMs |
How to apply for the Superdigital credit card
If you are looking for a card with a digital account that accepts negative payments, the Superdigital card may be ideal. See how to order yours!
2. Magalu
Well, the Magalu card is also a great option for negatives, that is, people with a dirty name, being a financial product that is part of Magazine Luiza, which is one of the largest variety store chains in Brazil.
And, in addition, the Magalu card has a Visa flag and international coverage, that is, you can make purchases in national and international stores.
Furthermore, another advantage of this card is that, as it is a Visa card, users can access Vai de Visa products, offers and discounts.
And it also guarantees access to the Magazine Luiza app, where you can track all purchases made with the Magalu card.
Finally, the card is a financial product that brings more convenience, security and comfort to customers who also guarantee discounts at other partner stores.
minimum income | R$ 800.00 |
Annuity | Free |
Flag | Visa |
Roof | International |
Benefits | Exclusive discounts and offers at Magalu |
How to apply for the Magazine Luiza card?
Find out right now how you can apply for the Magazine Luiza card in a simple and hassle-free way, the process can be 100% online.
3. Simple Box
Firstly, Caixa Econômica Federal is one of the main financial institutions in Brazil and, currently, one of its best-known financial products is the Caixa Simples Card, which is nothing more than a payroll card.
And, in addition, it is a card intended for INSS retirees or pensioners under 75 years of age. The minimum invoice amount is deducted directly from the paycheck or INSS benefit.
Incidentally, this card also offers several advantages for customers, such as offering rates up to 5x lower than conventional cards! Amazing, isn't it?
So, the card works in the credit function and the bank guarantees the minimum payment of the invoice, leaving it under the responsibility of the customer to pay the remainder.
It is important to mention that the limit corresponds to a margin of 5% of the full amount received, that is, you will never have the entire amount deducted from your paycheck or INSS benefit.
In addition, another super advantage is that the card does not consult credit protection agencies, such as SPC and SERASA.
That is, if you fit into the above categories and you have a dirty name, this is the credit card you need to start shopping today.
minimum income | Free |
Annuity | Free |
Flag | Link |
Roof | International |
Benefits | No SPC/Serasa consultation lower interest Clube Elo Mania Caixa |
How to apply for the Caixa Simples card
The long-awaited time has come to find out how to apply for your Caixa Simples card, ideal for INSS retirees and pensioners with negative annuity fees.
4. Pan
Therefore, the Pan card is the ideal credit financial product for negative employees. That's because the analysis process takes into account the customer's entire history and not just their credit score.
In addition, with it you can make purchases in cash and in installments at various establishments accredited to Visa or Mastercard flags.
It is also worth mentioning that it is possible to shop in national and international stores and, even more, you can count on a well-customized application to help you control all your expenses and your invoices.
minimum income | depends on the category |
Annuity | depends on the category |
Flag | Visa or Mastercard |
Roof | International |
Benefits | PAN Mais, Offers, Mastercard Surprise or Go Visa |
How to apply for your Banco Pan credit card
Find out now the step-by-step process for applying for your Pan bank card, everything can be done 100% via the internet.
5. Inter
First of all, we already know that Banco Inter is one of the best digital banks on the market, so it has several financial products, such as the credit card, which is ideal for negatives. This is because it has an easier credit analysis compared to other banks.
And, in addition, it exists in three categories: Gold, Platinum and Black, being a super easy card to request, just having an account at the institution.
In addition, the credit card has international coverage, Mastercard brand, unlimited free withdrawals at Banco24Horas and contactless technology.
In fact, among other advantages, it also has all the benefits of the Mastercard brand, such as Price Protection, Purchase Protection and Extended Warranty Insurance.
minimum income | depends on the category |
Annuity | Free |
Flag | MasterCard |
Roof | International |
Benefits | Mastercard Benefits, Cashback Program |
How to apply for Inter credit card
Do you want to know how to apply for an Inter credit card? So, read our text and find out everything about this annual fee-free card and digital 100%.
6. BMG
So, the BMG Card is an ideal financial product for those with negative credit. This is because it is not necessary to prove income, just as the institution does not consult with the SPC and SERASA.
And, in addition, the card is made for civil servants, retirees and INSS pensioners, as the payment of the minimum invoice is deducted directly from the payroll.
On the other hand, the card has the Mastercard brand and has several advantages, such as the Mastercard Surprise program and discounts at partner companies.
In addition, it has international coverage, as well as unlimited and free withdrawals through Banco24Horas ATMs.
In addition, another advantage is that you get a credit limit in a very simple way even if you are negative, as the institution offers exclusive conditions for this category of people. So too much, isn't it?
minimum income | Minimum wage |
Annuity | Free |
Flag | MasterCard |
Roof | International |
Benefits | discounts mastercad surprise international coverage cashback program |
How to apply for BMG card for negatives?
The BMG credit card for negatives is a card that offers ease of approval and can be personalized. Find out how to apply here!
7. Trigg
Well, Trigg is a digital 100% company and was responsible for creating the credit card in which you can manage all activities through the application.
So, the Trigg card is another ideal card option for negatives. This is because, it is a fully digital financial product, it has a cashback program and several other advantages, such as the absence of consultation with the SPC and SERASA.
And, in addition, you can earn cashback of up to 13% on the product purchased with the card and also get R$200.00 by referring the card to a friend. So, not bad, is it?
In addition, another super advantage is that you can choose the color of your card between graphite and green and you can also customize it your way with Wonder Woman, Superman, Batman and Aquaman prints. In addition, he still has the Trigger Band bracelet.
minimum income | Free |
Annuity | 12x of R$ 10.90 |
Flag | Visa |
Roof | International |
Benefits | Trigger Band Bracelet card application personalized card Go from Visa international coverage cashback program |
How to apply for the Trigg card step by step
Find out how to apply for the ideal Trigg credit card for negatives and that can even be customized for you.
8. Next
So, the Next card is part of the Next digital bank, which is a 100% digital and free institution, that is, all services are performed through the institution's website or application.
And, in addition, it is another ideal option for negatives, because it has a safe and easier credit analysis than other digital banks.
Thus, you guarantee access to practicality, security and technology in the services offered by Banco Next, which is also known in the market for being a competitor of banks, such as Nubank and Inter and even Neon.
In addition, the Next card is very simple to request, just install the application on the cell phone, available for Android and iOS and create the digital account. Then you can apply for the card that will undergo a credit analysis.
Another advantage is that you get a credit limit in a very simple way even if you are negative, as the institution offers exclusive conditions for this category of people.
minimum income | not informed |
Annuity | Free |
Flag | Visa |
Roof | International |
Benefits | Go Visa Program international coverage Discounts at partner companies cashback program |
How to apply for the Next card step by step
Find out now the exact step by step for you to order the Next card without fuss, the process is 100% online and you still guarantee access to the cashback program.
9. PagBank
So, if you are looking for a card that works in a safe, practical and very transparent way, PagBank brings you what you need.
This is because you have access to an institution that initially sets a limit for you and, as you use the card for purchases, you can increase the initial limit value.
And, in addition, the card has the Visa flag and international coverage, that is, you can make purchases in national and international establishments.
In addition, you can count on all the advantages of the Vai de Visa program and also guarantee discounts at partner stores.
By the way, another advantage is that you get credit limit in a very simple way even if you are negative. Too much, isn't it?
minimum income | Free |
Annuity | Free |
Flag | Visa |
Roof | International |
Benefits | No annual fee or monthly fee Accepted in national and international establishments Approximation payment system Exclusive promotions, such as Vai de Visa Possibility of making withdrawals |
How to apply for PagBank card
If you liked the options and advantages of the Pagbank prepaid card, find out right now how to apply without bureaucracy.
About the author / Joyce Viana
Reviewed by / Junior Aguiar
Senior Editor
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