Choosing between the Neon card or the Sicredi Gold card will help you choose an option without bureaucracy, with few fees and an application for operating the account.

In short, the Neon card is from a 100% online financial institution, in which the customer applies online and enjoys a fee-free card. On the other hand, it involves a credit analysis and a consultation of your financial history.

On the other hand, the Sicredi Gold card also checks with credit bureaus. In addition, account holders apply for a credit card at the branch and take advantage of insurance and travel assistance, for example.

Therefore, without further ado, follow the advantages and disadvantages of each option, in addition to the main characteristics. The information will certainly help you decide on the ideal card!

Firstly, the Neon card has the lowest fees on the market. In addition, it is easy to open an account, without leaving home. Then, the order is made via the website or app and analysis takes an average of 7 days.

Among the main features, we have no annual fee, the possibility of an elastic limit and the use of digital 100%. To clarify, this is an international card, which has a digital account with no charges for traditional transactions. 

In other words, shop at thousands of establishments, national and international, with your card. Furthermore, it is possible to pay for Netflix, Spotify and other applications with the digital version card, for example.

Even though it is a digital account, the card bill can be charged by automatic debit. This card will certainly help you save, because it allows free withdrawals every month, if you comply with some rules, for example.

Finally, take advantage of a credit card in addition to headache-free debit. In other words, make it easy to order, use and even cancel. Furthermore, see more details and advantages in the topics below.

The Sicredi Gold card is for those who have a bank account with the Sicredi cooperative. However, it is one of the only options on the market that allows the customer to choose the brand. In other words, decide whether it is better to have Visa or Mastercard benefits.

Additionally, there is credit analysis and financial history consultation in the application process, however, you can take advantage of a higher pre-approved limit. Therefore, when approved, take advantage of a full credit card with an international brand. There are also rewards and points programs.

The Sicredi rewards program allows you to accumulate points and exchange them for credit on your invoice or for products. In other words, when you spend a dollar you receive a point, in addition, you can take advantage of discounts from partners through the brand programs.

The most important thing about this option is the assistance with financial organization, for example. So, take advantage of long installments for purchases and a longer period to pay the first invoice, within 40 days. It will certainly be a good option for those who prefer to resolve problems in agencies, as there are thousands of Sicredi in the country.

In short, this card is ideal for those looking for security, as well as access to branches and ATMs. However, it requires a clean name and opening an account with Sicredi, accepting the proposed rates and conditions.

Certainly, the main advantage is the exclusion of fees normally charged, such as annual fees. Furthermore, with the Neon+ program, you have the opportunity to not be charged for withdrawals, unlike other digital banks. So, just make 10 purchases with your Neon card and guarantee three free withdrawals per month.

To track this benefit, use the application counter, for example. Furthermore, transfers, payments and other transactions are free of charge. We cannot fail to mention the advantages provided by the brand, such as the Vai de Visa program.

Finally, take advantage of the issuance of a physical card at no cost, as well as a program to save money. Furthermore, there is the advantage of authorizing purchases even without a credit limit, for example. Therefore, just use the “elastic limit”, where a quick credit analysis is carried out and you make the purchase without any problems.

Firstly, your purchases with the Sicredi Gold card have price protection insurance, which guarantees a refund when the same product is found at a lower price. On the other hand, also take advantage of product protection insurance. So, get a product back if it is damaged or stolen.

Furthermore, take advantage of the brands' programs, which give chances for discounts from partners. In addition, you have the opportunity to use travel insurance and assistance. To clarify, benefits may change depending on the chosen brand.

On the other hand, the cooperative program allows the exchange of points for products, such as clothes, household appliances and even discounts on the invoice. The most important thing is that this option also does not make your financial situation complicated, for example.

So, if it gets complicated, have 4 options, that is: full payment, invoice installments, financing entry or minimum payment. Furthermore, the first invoice has 40 days to pay. Finally, just activate the contactless function and enjoy the ease of contactless payments.

Even though it has low fees, there are cases where Neon charges amounts for transfers and common transactions. Therefore, it is worth researching the rate table first. Furthermore, the advantage of free withdrawals is only valid for those who purchase at least ten times a month on the card, which is a complicated requirement for some people.

Consequently, there are fees for issuing bank slips and if you exceed the limit of daily TEDs, you must pay a fee. Furthermore, be aware that this card has a strict credit analysis and negative creditors have little chance of approval.

Among the main problems is the need to go to the branch to request the card, in addition to the mandatory opening of the account. Furthermore, there is also a minimum income and annual fee, but the values are not disclosed on the institution's website, meaning you can only find out when you contract the financial product.

So, were you able to decide between the Neon card or the Sicredi Gold card?

To clarify, you have two card options with great advantages, one with online ordering and the other at the branch. However, the one that best fits your needs and financial profile should prevail.

Furthermore, pay attention to your CPF and what your priorities are, whether it is a card with a high limit or one just for routine payments, for example.

However, don't worry if you haven't decided. Below, access our recommended content, which will show you some great new options, for sure!