If you are looking for a financial product free of annual fees and membership fees, the AME credit card may be the ideal financial product for you. It has an international Mastercard flag and is accepted in thousands of establishments in Brazil and around the world.

So, want to know more about the card? Keep reading and we'll tell you all about it!

The AME credit card is a card issued by Banco do Brasil and has all the advantages and benefits of the international Mastercard brand. In this way, you can shop in physical and virtual stores throughout the national territory and abroad.

The request is made through the AME application or at an Americanas physical store, and goes through a rigorous credit analysis process. So, if you have a negative name, it is very likely that your request will not be approved. 

The AME card does not have a fixed or pre-approved limit. This is because this value depends on individual credit analysis. That is, when applying for your card, AME Digital together with Banco do Brasil assess your financial history and based on the result of this analysis, the amount available to you is defined. 

Therefore, if you want a higher credit limit, it is very important that you keep your accounts up to date and have no restrictions on your name.

Like any financial product, the AME credit card has advantages and disadvantages. So we'll talk about them below so you have all the information before evaluating whether this card is what you're looking for.

Without a doubt, the benefit that draws the most attention to the AME credit card is the waiver of membership and annual fees. That means you don't have to pay for your card, and you don't even have to worry about a monthly maintenance fee. 

Another positive point is that the card offers up to 10% of cashback on purchases made at Lojas Americanas or at AME partner establishments. You also get cashback if you shop at physical stores that are part of the AME Plus program.

In addition, you can register your card in the Ourocard and Mastercard Surpreenda loyalty programs. Thus, you have discounts on cultural events and restaurants, in addition to dozens of Mastercard partner stores.

In addition, you can pay your purchases in up to 24 interest-free installments at Lojas Americanas physical stores.

But, despite offering a series of benefits, the AME credit card has some negative aspects that must be taken into account before hiring the product.

Firstly, the card is not available for those who have name restrictions or very low scores with the SPC/Serasa. This is because an extensive credit analysis is carried out in order to look for irregularities with the Federal Revenue Service, in addition to checking your purchase and payment history.

In addition, the minimum income to apply for the card is not informed, but proof of income is required. In this way, it is difficult to be approved if you are self-employed and do not have a fixed income.

You can apply for your AME credit card in two ways, both of which are quick and very simple.

First, through the AME Digital app, which you can find on the App Store or Google Play. In the “credit cards” tab, you need to fill in a registration form with your data and wait for a credit analysis. If your request is approved, you will receive a response from the application itself.

But, if you prefer, you can also ask for your card from a sales promoter at a Lojas Americanas physical store. 

So, if you are interested in the AME credit card and want to apply for one, check out the recommended content below with more details about this process!