Firstly, the Americanas credit card is a financial product that offers exclusive benefits and discounts to its customers. Therefore, if you are an active user of Americanas, know that this card could be ideal for you.

Do you want to know more about this financial product? So, keep reading and check it out!

So, the Americanas card works like a credit card like the others. To request it, you must access the store's website and fill out the proposal form. Then, if you are approved, you just need to wait for the card to arrive at the address provided.

In fact, you can request your card through the application available for both Android and iOS. Through the app, you can also manage your Americanas credit card, check the value of your bill, among other features.

Furthermore, the Americanas credit card has an annual fee of R$188.40 that can be divided monthly. Additionally, you can also request an additional card. But don't worry, as it will be exempt from this fee.

It is worth noting that the card also participates in benefit programs, such as Mastercard Surpreenda, in addition to the Mais Sorrisos program. Check out more card benefits below.

First of all, it is important to inform that the card limit is defined according to each customer's profile. In other words, your financial history and monthly income will be taken into account when analyzing the proposal.

Well, with so many credit card options on the market, it is important that you know all the benefits and negative points before making a decision. Check out the advantages and disadvantages of the Americanas card below.

Firstly, the advantage that draws the most attention to the Americanas credit card are the benefits and discount programs. For example, the Mais Sorrisos program is a loyalty program where you accumulate points and can exchange them for gift cards. In fact, because it is a Mastercard brand, you also participate in the Mastercard Surpreenda program.

In addition, Americanas offers a percentage of the amount spent back to you, called Cashback. However, be aware that not all products in the store participate in this program.

Finally, the Americanas credit card also offers a line of credit for its users. You can request a withdrawal via the card application, online or go to a Banco24h terminal. But be aware of the interest charged when carrying out this transaction.

Well, the main disadvantage of the Americanas credit card is the annual fee. In this sense, the amount charged is a little high and you can find other card options on the market that do not charge this fee.

Another disadvantage of this card is that it is not international. In other words, you can only use it in Brazilian stores.

Furthermore, pay attention to the amount of interest charged in case of late payment. The rates charged by the Americanas card are well above the average interest charged by other financial institutions. So, be careful not to get into more debt.

In this sense, it is very simple to apply for the Americanas card. Firstly, you just need to access the official website and fill out the proposal form. Then, you must wait for the credit analysis, which should arrive via email.

If approved, you must wait for the card to arrive at the address provided during registration. In fact, you can manage your card through the Banco Cetelem application. The app is available for both Android and iOS.

So, you're interested and want to know more details about how to apply? So continue reading with the recommended content below.