For those looking for a BTG card that offers several benefits along with a flexible monthly fee, you may be in doubt as to which BTG card is best for you.

After all, this bank works by issuing three card options with super attractive benefits. Thus, those who wish to apply for one of the cards may be in doubt as to which one to order.

In summary, with the three card options, you can access a points program or cashback on investments. 

However, each of them has a few more benefits that differentiate them and can help you in your choice. To get to know them, just continue with us in this post and, thus, find out which is the best BTG card.

Namely, the BTG Pactual bank works by offering the public three different credit card options.

Thus, it offers a Basic option, an Advanced option and the Black version that has the most sophisticated benefits.

Below, you can get to know each one of them better, where you can check their characteristics, advantages and disadvantages of each option. Check out!

The BTG Opção Básica credit card is a monthly fee-free alternative that allows you to access the Mastercard Surpreenda program and make international purchases in more than 210 countries.

Among its advantages, we see that this card offers several brand benefits, where it is possible to access insurance and promotions. It also allows access to the BTG Pactual points program.

In addition, with it, you can access the Invest+ cashback program, which allows you to transform up to 0.5% of your expenses into investments.

However, to access the card's points program, you must pay a monthly fee of R$ 30.00. The Invest+ program also has a monthly fee, but in the amount of R$ 20.00.

It is also important to mention that you can only choose one of the benefit programs, that is, you must choose between the points program or the cashback program.

To access this card, you must have opened a free digital account at the BTG bank and, therefore, request it via the application.

The BTG Advanced Option credit card, on the other hand, manages to offer interesting features for those who travel a lot. 

So, with it, you can access various insurances on your trips and make international purchases that offer cashback of up to 0.75%. This amount is deposited in an investment fund that earns for you.

As benefits, this card also has a points program, where every dollar spent is equivalent to 1.6 points for you to enjoy. 

In addition, you can earn R$ 10.00 off your monthly fee when you spend R$ 1,000 on the card or invest R$, 10,000 in BTG.

However, just like the previous option, to access the cashback or points program, you will need to pay an extra monthly fee. So it is interesting to analyze this point.

If you liked this option, you can request the card from the BTG app, as you can see in the post below.

Finally, BTG's Black credit card is the bank's most sophisticated option. With it, you access the Esfera or Livelo points program or get up to 1% of cashback in an investment fund.

In addition, the card works on a modular concept, where the user chooses the benefits he wants to access and only pays for their use.

As main advantages, this card offers a discount on the IOF tax on international purchases and also gives you access to VIP Lounge Key rooms during your travels.

However, it has the disadvantage of the fact that the IOF discount can be charged to the user if he cancels the benefit after having used it. Therefore, it is important to keep an eye on this feature.

In summary, like the other options, to apply for this card, you must have an account with BTG and access its application to request it.

To know how to choose which BTG card is best for you, you must, first of all, analyze your financial life.

After all, each BTG bank card has a minimum income that you need to earn in order to access the card. So, to request any of them, it is necessary to prove that you receive the minimum income requested.

In addition, it is also necessary to analyze what types of benefits would be interesting to receive. 

So, if you're a person who doesn't travel a lot, but would like to earn points on your purchases, the Basic option might fit the bill.

On the other hand, if you make some trips and want to do them more safely, it might be interesting to have the Advanced Option card, which offers insurance on your trips.

Finally, if you want more comfort and access to sophisticated benefits, the Black option is ideal for your lifestyle.

In short, to know how to choose the best BTG card, you need to take a good look at your financial life and lifestyle. Thus, it will be possible to choose the one that can add up and bring the resources you need to access.

Now if you want to know other card options, access the recommended content below.