Having a credit card is synonymous with freedom. Therefore, more and more companies invest in options that can adapt to the reality of each Brazilian. That way, it's even a little difficult to decide which card option is best. With that in mind, we've put together two card options to help you find out: the Lanistar card or the Impact Bank card.

Meet the Lanistar card, which groups 8 cards into one and gives you greater control of your financial life. Also, get to know the Impact Bank card, a digital bank product that seeks to reduce inequalities with sustainable development.

Keep reading and see the main differences between the two cards, as well as find out which one to choose!

Fintech Lanistar seeks to innovate the Brazilian financial market, offering the 8 in 1 card. In partnership with Mastercard, the card offers a digital wallet where cards are registered. In this wallet, you can register credit, debit and even prepaid cards. Combined, the cards add up to the limit value available on the Lanistar card.

That way, if your search was to know if the card would be safe, the answer is yes. To ensure that the card is not cloned, Lanistar changes the Security Code and expiration date with each purchase. Thus, it is increasingly difficult to discover the card. However, it is important to remember that the card is still being tested in Brazil.

Overall, the Lanistar card is a good option for travelers. This is because the card is accepted in several currencies. Therefore, it is possible to exchange currency through the application itself. In addition, the Lanistar card offers the convenience of joining the 8 cards in one. It also has the Mastercard brand, being accepted in more than 38 million establishments.

Above all, Impact Bank is a digital payment institution that emerged to change the financial reality in Brazil. The bank has a vision of sustainable development and seeks to generate impact on local projects. Impact Bank is made up of activists and organizations that partner with social projects. In this way, they work together to ensure access to financial services for many families.

For this reason, the card offered by Impact Bank is prepaid. It is often not necessary to offer the credit function. This is because credit would only bring more financial difficulties for some families.

Furthermore, it is important to point out that Impact Bank does not invest money or collaborate with certain companies. For example, institutions that do not take environmental and social criteria seriously. 

Impact Bank has, together with cards, some types of digital accounts. First, there is the “Social Account” type, which offers most of the institution's services for free. The free mode, on the other hand, offers similar services, but charges for some things, such as withdrawals.

Firstly, the Lanistar card is a polymorphic card. So you can use 8 cards in one. Therefore, one of the main advantages of this product is practicality. You leave home with a digital wallet in the form of a credit card. However, payment can be made using 8 cards, whether debit, credit or even prepaid.

Furthermore, for those who have difficulty with limit approval, Lanistar does not have this problem. This is because the limit of this card depends only on the cards you register in the application. No new credit reviews. In addition, this factor makes the Lanistar card limit very high, for accumulating 8 cards.

See more benefits of the card:

As we mentioned, Impact Bank is a digital account designed to promote sustainable financial development. Therefore, your credit card only works on a prepaid basis. The card still offers high security and is accepted in more than 30 million establishments internationally. Also, because it's prepaid, Impact Bank doesn't need to perform detailed credit reviews. In this way, the bank offers more democratic access to financial services.

In addition, it is also possible to withdraw money from any ATM in the Banco24Horas network. And the card also offers the benefit associated with the brand, the Mastercard Surpreenda. This points program allows the exchange for discounts on trips, restaurants, products, theaters and cinemas.

Another advantage is the possibility of recharges in different services. With Impact Bank you can use your card to recharge apps: Uber, Claro, Spotify, Xbox, Blizzard and many others.

In short, the main disadvantage of the Lanistar card is that it is still in the testing phase in Brazil. Thus, there are not many reports and information to prove its effectiveness in the country. However, in overseas countries the card is very popular and works very well. Therefore, even with this disadvantage it is worth testing.

Above all, the disadvantage of contracting the Impact Bank card is the fact that it is prepaid. Although it is possible to better control expenses, if you are looking for a credit card with installment purchases, Impact Bank does not offer it.

Finally, the Lanistar card and the Impact Bank card serve very different purposes. The Lanistar card is for more mature consumers in the financial market. Impact Bank, on the other hand, focuses on offering a sustainable service that impacts communities. Therefore, choosing Impact Bank is also a way to support these situations.

Furthermore, if you are still in doubt, how about getting to know other card comparisons? So, read our recommended content below and check it out!