The search for fully digital credit cards has only increased in recent years. From them, it is possible to be more practical, in addition to not having to pay fees. Within this universe, the Nubank card and the Porto Seguro card are examples of digital options.

Both cards offer applications where it is possible to access invoices, consult the limit and make payments. In addition, they have interesting advantages when shopping, such as a points program and discounts at partner stores.

Due to the many benefits that the two cards offer, it can be difficult for the public to choose between them.

To help you with this, we have separated in this post all the information about Nubank and Porto Seguro credit cards. Keep reading and find out which option to choose!

The Nubank card, also known as the “Proxinho”, is the card most loved by Brazilians. Among its millions of users, about 9 out of 10 recommend it to friends and family.

This happens because this digital card is very easy and fast to use. With its app, users can manage their card information. Actions such as adjusting limit or blocking and unblocking cards are easily performed by him.

In addition, the Nubank card does not charge an annuity or fees for its use, being completely free. This, combined with the fact that he has a digital account that yields more than savings, makes him the preferred option for many Brazilians.

Porto Seguro is a company well known for its insurance, financing and consortium services. For this reason, when creating the Porto Seguro card, the company insisted on offering special advantages in its services.

From it, it is possible to access lower values when taking out car insurance or when financing a vehicle. In addition, each purchase made on the card generates points that can be exchanged for airline miles, products, services, travel and insurance.

Porto Seguro offers its customers 5 different credit card options. Each of them has a period of 12 months without paying annuity. In addition, it is possible to count on a discount in 200 partner stores of the card.

When you have one of the Porto Seguro cards, you can choose whether to request it with the Visa or MasterCard flag. In addition, each of them has a minimum income value to be able to obtain it, as you can see below.

Regarding the annuity, after the period of 12 months, it will be charged normally from its users. Its value varies depending on the card used and the amount spent in the month. Its price can start from R$15.00 per month up to R$125.00.

It is worth remembering that it is possible to maintain the free annual fee every month with the Porto Seguro card. For this, it is necessary to reach the minimum expenses established in each card to have zero annuity.

One of the biggest advantages of Nubank is the possibility of getting a discount when anticipating installments. From the application, the user can consult their next invoices. In this way, he can ask to anticipate an installment for the current invoice.

In addition, in the Nubank application, the user can manage everything related to his card. There he can adjust his limit, create a virtual card for online purchases and have a very practical view of his invoices.

And we cannot forget that the Nubank credit card has no annual fee and is completely free of fees. In this way, it becomes a great option for those who want a credit card that does not generate maintenance costs.

With the Porto Seguro card, the customer can benefit greatly from its points program. From there, each purchase made can be transformed into points that can be exchanged when purchasing other services.

In addition to the points program, holders of the card can also take advantage of discounts offered at 200 Porto Seguro partner stores. In addition, of course, to having discounts on the services offered by the company and being able to make a credit card to pay your bills.

By having the card, it is also possible to count on various insurances and special services that protect your purchases. And we cannot forget the 12-month period in which you can use the card without paying the annual fee.

As much as the Nubank credit card has several advantages and has already conquered Brazilians, it still has some disadvantages.

The main one is about the limit it releases for new users. Many people complain about being given low starting limits. It is possible to find complaints about the release of amounts below R$100.00.

In addition, many people complain about the delay in increasing the limit, even paying the invoice on time. And another factor that enters the balance is the fact that the card does not offer cashback on purchases, a feature that exists in several digital cards.

With the Porto Seguro credit card, although it is digital and has an application that facilitates its use, the fact that it charges an annuity is a low point of the product.

Nowadays, most digital cards do not have an annual fee. Although the Porto Seguro card allows the annuity to be free even after 12 months of use, this is only achieved when reaching a minimum amount of expenses.

To give you an idea, with the Porto Seguro International card, users need to spend R$2,500.00 or more on the card in order to have the free annual fee.

Furthermore, the fact of asking for a minimum income is something that may exclude some people from accessing the product.

Now that you know everything about Nubank and Porto Seguro cards, you can make a more objective choice. For this, you can start thinking about the features you would like to access on a credit card.

If you want a card with no annual fee and an easy-to-use application, the Nubank credit card may be a good option. But if you wanted a card that offers points to exchange for miles, the Porto Seguro card is the ideal alternative.

However, if you are still in doubt between them and want to know more options, the following post may show other credit card alternatives, check it out!