For those looking for a credit card with a flexible annual fee and a rewards program, you may end up having doubts between the Porto Seguro card or the Agibank card.

Basically, both options have several similar features. Both offer a rewards program, annual fees with the possibility of exemption, and international coverage for purchases.

Therefore, choosing between them can become a difficult task for those looking for a new credit card for their finances.

Therefore, to help you make the best financial decision, we have separated in the post below a comparison between the two cards, considering their features, advantages and disadvantages. Check it out below!

In short, the Porto Seguro card has been around for a few years now and is a more established option on the market. Because of this, it is able to offer great features to its users.

Therefore, the company released five different credit card options to the market. In this way, each of the categories encompasses different financial profiles, which allows more people to have access to their cards.

Furthermore, they managed to innovate by offering Visa or Mastercard on all types of cards. This way, when you apply for yours, you can choose which of the brands you want to use.

This way, Porto Seguro is able to offer more autonomy to its users. However, this autonomy can also be seen in its annual fee. Today, Porto Seguro cards do not have a fixed annual fee.

In short, the cards have three price ranges for the annual fee that vary according to the expenses made with the card. Therefore, the more purchases you make, the lower the annual fee will be. And when you reach the third range, you can be exempt from the fee.

Those who have a Porto Seguro credit card can also benefit from the Porto Plus program, which is the card's points program. By having it, you can exchange your points for:

In addition, Porto Seguro also gives you the chance to double the amount of points accumulated by paying an additional 4% on the total amount of your invoices. This way, you can have more points and exchange them for various benefits.

Finally, Porto Seguro also offers 12 months of free annual fees. This way, you can enjoy all the benefits of the card for a year without paying anything for it.

The Agibank credit card is a financial option that belongs to an old bank, although it is not very well-known. However, this did not prevent its card from becoming famous among Brazilians.

Therefore, the Agibank card is known for being an option with easy approval and which can offer several interesting benefits to the consumer, which are completely accessible.

Thus, unlike Porto Seguro, the Agibank card has only one card model. However, it alone can deliver several interesting features.

With just one card, Agibank offers debit and credit functions that work with international coverage. In addition, the card has the Mastercard brand, one of the most accepted in several establishments in Brazil and abroad.

By having the card, the user can also access an Agibank digital account. Thus, the customer has the option of resolving all their banking issues from the app that the bank makes available.

As for the card's annual fee, Agibank offers one year of free annual fees to its customers, and it is also possible to waive it if you spend more than R$1,500.00 on your bill. This way, you can enjoy its benefits without having to pay for its use.

And finally, even though Agibank is completely digital, you can still go to a service point to request your card and pick it up right away! But, if you want to request it online, the card will also be delivered to your address.

The Porto Seguro credit card is packed with advantages for the public. In this way, it manages to win the hearts of many Brazilians only with its native points program, a feature that is very difficult to find in other options.

But, in terms of benefits, it goes even further. Therefore, by having the Porto Seguro credit card, the user can have access to:

This way, you can use the card in different ways for all your financial needs!

In short, one of the great benefits of the Agibank card is its ease of approval. This way, its process allows people with a low score to apply for a card and thus build a more positive credit history.

In addition, you can also have access to up to 4 additional cards with no annual fee, where you have the possibility of paying your bills in up to 40 days.

Finally, the card gives you access to the Mastercard Surpreenda Program, where you can earn points and exchange them for services and products. In addition, you can also access exclusive discounts and offers at the card's partner stores.

Even though the Porto Seguro credit card offers incredible advantages to its users, it still has some negative points.

Basically, one of the biggest disadvantages of the card is its annual fee. The fact that it is charged is something that many users don't like nowadays, since there are several options for cards without annual fees.

Furthermore, the annual fee for the card varies between R$$15.00 and R$$125.00. And, although it is possible to be exempt from the fee, the expense on the invoice that the user needs to make is very high, in some cases exceeding the minimum income value of each card.

In fact, the minimum income can also be seen as a disadvantage, as it excludes some people from having access to the card.

Basically, when looking at the negative side of the Agibank card, we see that it does not offer cashback on your purchases, in addition to having a fee of R$9.99 when issuing a second copy of the card.

Furthermore, to obtain the card, the user must create an account with Agibank. Therefore, it is necessary to go through more registration steps before finalizing the credit card application.

In short, the choice of each card will depend solely on your financial life and the features you need at the time. 

Therefore, to choose which of the two cards to choose, it is interesting that you list the features you would like to access on a card and see if the Porto Seguro card or the Agibank card can meet your needs.

But, if you are still in doubt and would like to know about other credit card options, just check out the content below!