Having the best option at hand is always good, which is why the Pagseguro card and the Afinz card will be put to the test in a comparison, where we will evaluate which is the best for your profile.

We know that applying for a credit card is always a delicate matter and that it must be carefully analyzed, so that we can always look for the best option. So, with this in mind, Senhor Panda has prepared this content for you, which will present the main features of the Pagseguro card and the Afinz card.

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The PagSeguro card is offered by PagBank, a company with over 5 million users throughout Brazil. This card was created with the aim of bringing even more benefits to customers and users of the PagSeguro card machine.

Therefore, there is no minimum income required to apply for the card, as it is exclusively intended for people who have a digital account or use the company's card machine.

Furthermore, it is a card with no annual fees and has partnerships with several establishments. Examples of this are Netflix and Uber, which have some particular advantages.

But that's not all, the card has the Mastercard brand that brings many other possibilities to cardholders. Therefore, it is a card that can compete head-to-head with the great service offered by the Afinz credit card. 

Afinz is a financial institution based in Sorocaba, but which offers services throughout Brazil. One of these services we have already heard about is the Afinz credit card.

Like PagBank, Afinz aims to make users' financial lives easier with simpler ways of making financial transactions, payments and sales. 

Therefore, the company created the credit card, to provide all the advantages designed by the financial company's developers in an even more practical way.

Despite not having the same recognition as PagBank, the Afinz card offers good advantages to its customers, such as good payment terms and international coverage.

All this and much more can be found on the card. Therefore, it is worth comparing PagSeguro or Afinz card and see which is the best!

The first advantage that the PagSeguro card offers is the completely free annual fee. In other words, the customer does not need to worry about paying an annual fee or any additional fees charged. In addition, the digital account can be opened completely free of charge, with no opening fees or income requirements. 

Remember that the card has the Mastercard brand in its composition. In other words, cardholders have access to the advantages and promotions of the Mastercard Surpreenda program.

Another advantage of the credit card is that for some specific purchases the customer has access to cashback percentages so they can receive part of the purchase amount back.

It is worth remembering that there is no minimum income required to apply for the card. You just need to have a digital account in your name or have a PagSeguro machine.

Furthermore, the yield that the card offers on the account is also very beneficial for customers who want to save a certain amount so that the balance can yield over time.

One of the advantages that draws a lot of attention is the discount offered for all additional cards. In other words, there is a discount of around 50% for each additional card that the customer requests. In addition, when purchasing with the Afinz card, the customer will have 40 days to start paying the installments.

Remember that Afinz provides a very complete app that helps the customer in their day-to-day use of the card. In addition, the card has a contactless payment function that facilitates the entire process of paying for purchases with the card.

Finally, international coverage is also one of the card's strong points. This, in turn, makes it possible to make purchases in foreign stores that accept Visa.

Unfortunately, the PagSeguro card is intended for a specific group of PagSeguro customers. In this sense, in order to apply for the card, it is necessary to have a digital account. In addition, customers who have payment terminals can also apply for the card without any problems.

The first disadvantage is the annual fee. Therefore, the Afinz credit card does not offer a free annual fee like the PagSeguro card. On the contrary, the card's annual fee is R$$227.88 for all customers.

In addition to the annual fee, the interest rates for installment payments on purchases made with the Afinz card are relatively high. In this sense, a percentage of 12.99% is charged.

Furthermore, as Afinz performs a credit analysis, those with negative credit ratings have a much lower chance of getting a credit card approved. 

After considering all the advantages and disadvantages of both cards, we can define which is the best between the two options.

The first determining factor is the annual fee. While the PagSeguro card does not charge any annual fee, Afinz charges an annual fee of over R$1,900,000 for all customers.

Furthermore, the advantages that the PagSeguro card offers are much more complete and attractive, covering several economic areas of customers. One example is cashback and even the return on the accumulated balance.

All of these factors are crucial for us to choose the best credit card option to apply for. However, the choice depends on the customer's needs and expectations.

However, if you still have doubts, check out our recommended content on the Afinz card and BMG.