Choosing an account that has all the benefits you need can be a daunting task. In addition, deciding between the best digital credit card accounts requires research and calm in the decision. Therefore, it is necessary to sit down and reflect on what your financial needs are and also the priorities. In addition, it is important to check the conditions of each account and card. That way, you don't hire services you won't use. 

With that in mind, we have gathered in this article 13 digital accounts with a credit card to help you. Continue reading and decide which option is best for you!

Check out the best digital credit card accounts available on the market below.

BTG+ originated from the BTG Pactual bank, as an alternative to the option solely focused on finance. Thus, BTG+ focuses not only on finance, but on helping you organize your day-to-day finances. In short, the BTG+ current account is digital and free. But if you want access to some more features, you can subscribe to the premium plan. The main advantages of being premium are unlimited withdrawals and 10 days without interest in Limite+. 

Together, the credit card is one of the only ones on the market with cashback to invest. That's because the BTG+ card saves your cashback for you to invest in the platform, Invest+. In addition, the card has a basic version with no annual fee; the Black version for R$35 per month and the Advanced option for R$15 per month.

Banco Pan is a digital bank that offers a checking account and credit card option with no annual fee. In short, the account has some advantages, such as having access to an emergency limit. This limit has fees of 5.9% per month. In addition, you can also carry out salary portability directly to Banco Pan and also have access to 30 withdrawals, TEDs and deposits via bank slips for free. If you use the 30, just pay a fee of R$2.00 per transaction.

In addition, the bank's credit card requires income of a minimum wage to be acquired. The simplest card does not charge an annual fee, but it also does not have many benefits. The international version has cashback and access to the rewards program. However, it charges an annuity of 12x R$20. This amount can be discounted by 100% for customers who spend more than R$1,800 on the card.

First, Banco BMG offers a digital account full of exclusive services for you. For example, the account has free transfers to any bank and also has unlimited withdrawals. Furthermore, when it comes to credit cards, the BMG card has no annual fee and comes with cashback. However, it is worth remembering that even so, there may be a credit analysis.

Therefore, BMG still has the Poupa Pra Mim service, in the digital account. This is a great option for those who have difficulty saving money. Poupa para mim rounds off the value of your purchases and places them in a virtual piggy bank. That way, you save money without you even trying.

If you want a digital account from a traditional bank, you have to know Next. Banco Next is Bradesco's digital account option. Therefore, with Next you have access to a free digital account with no fees. That way, when opening your account you already receive a debit card. At the same time, the bank does its credit analysis to understand whether it can release a credit card. 

Next's credit card has no annual fee, gives access to exclusive treats and is international. Furthermore, if you want to upgrade, Next still offers the Platinum version. With it, the first five months are free. After that period, the annual fee is R$42.50 per month. In this sense, Next Visa Platinum gives you access to all the benefits of the brand and also to the Pontos Livelo scoring program.

PagBank is PagSeguro's digital bank. The institution offers digital accounts in which your money yields more than savings. In addition, it is possible to request the account for both individuals and legal entities.

In this sense, when we talk about cards, PagBank offers 3 options in the credit function. The account card is a prepaid credit card. That is, it operates as credit, but depends on the account balance to work. Similarly, the bank offers the prepaid card. In addition, PagBank even has a common credit card. It is worth remembering that this is always subject to credit analysis.

Banco Inter offers a digital account that does not charge fees and makes your daily life easier. In this sense, the account offers free transfers and withdrawals. Likewise, the credit card also has no annual fee and also has cashback at the Super App mall. In addition, Inter's card is international and participates in the Mastercard rewards program.

In short, Neon is a payment account that focuses on saving its customers time. In this way, you intend to remove the bureaucracy and queues from your daily life. Therefore, Neon's digital account offers unlimited transfers and a debit card.

In addition, it is possible to apply for an international credit card. The card has no annual fee and also has an elastic limit function. That is, if your purchase does not pass the limit, your credit is extended at no additional cost.

Nubank is a pioneer when it comes to digital banking. The bank has had a very large growth since its inception. This is due to the services offered with quality and efficiency. The digital account gives you unlimited transfers and pix. In addition to a great function to save your money and leave it yielding. Furthermore, the Nubank credit card is free of annual fees and fees. Therefore, it still offers the option to advance installments and get a discount on the invoice.

Agibank is a digital bank that provides face-to-face services. In this way, it is possible to have face-to-face assistance with Agibank. Since the bank offers more than 600 service points throughout Brazil. The digital account has unlimited transfers and also entitles you to 4 withdrawals per month. In addition, the credit card has a virtual version and offers exclusive discounts at partner stores. Regarding the annuity, the first year is exempt.

In summary, C6 Bank is a bank with many benefits. The digital account has free withdrawals and unlimited transfers. In addition, customers who contract a credit card receive a C6 Tag that can be used at tolls and to enter parking lots without queues. 

Furthermore, the credit card has a free annual fee and participates in the Átomos scoring program. It is still possible to hire the C6 Carbon, the bank's premium card. In this case, it is necessary to pay an annuity of 12x R$85.

Banco Santander offers a digital account without fees, with some conditions. In order not to pay maintenance fees, it is necessary to receive from R$1,000 monthly in the account and pay your bills through digital channels. In addition, the card offered is the Santander SX. This card may be exempt from the annuity if you spend R$ 100/month or if you join the Pix system.

Banco BV offers account and credit card totally free. The credit card even has 1% cashback on all purchases. In addition, with the digital account your money yields 100% of the CDI.

As many already know, Banco Bradesco is one of the most traditional financial institutions in Brazil. However, over time, even the most classic ones launched their digital accounts. In the case of Bradesco, the digital account can be opened directly through the app. As for the credit card, the first annuity is free, but requires a credit analysis.