Do you want to apply for a good credit card for yourself and were in doubt whether to choose the Porto Seguro card or the BMG card?

In short, both options manage to offer several interesting features. With both, you can access rewards and discounts programs at partner stores.

However, the BMG card is more accessible and accepts negatives, while Porto Seguro has a discount on its services and special assistance on its national and international trips.

That way, it can be difficult to choose the best option between two cards. Therefore, in the following post, you can check a complete comparison to end your doubt once and for all!

In short, the Porto Seguro credit card has been on the market for a few years. In this way, it became possible that today it can offer several functionalities to its users.

Basically, by having a Porto Seguro card, it is possible to take advantage of special discounts and exclusive payment conditions in any service that the company offers. 

That way, if you think about taking out insurance for your car or property, you can purchase them with different conditions. In addition, Porto Seguro cards also have the PortoPlus points program.

Therefore, all purchases you make with one of the company's cards can be transformed into points that you can exchange for airline tickets, accommodation, discounts on services and at Porto's 200 partner stores.

And if you want to have a Porto Seguro credit card, you need to know that the company offers 5 different card options. In this way, each of them has a different minimum income in addition to, of course, the annuity value.

By the way, regarding the card's annual fee, Porto Seguro offers the fee in a flexible manner, so its value changes based on the amount of purchases made with the card. Thus, the consumer has three annuity ranges on each card, the third of which is free.

In this way, it is possible to exempt yourself from the annuity when reaching the expenses established in each card. To find out more about the annual fee for each card and the minimum income required, just check the table below.

The BMG credit card, on the other hand, is known to be the ideal option for negative people or for retirees, pensioners and civil servants, as it offers special options for this public.

BMG has existed for 90 years, being a well-consolidated and experienced financial option in the market. In this way, they were able to use their expertise to create a credit card that accepts negative payments and has no annual fee.

Thus, it becomes a very affordable option on the market for different profiles. In addition, it also has international coverage and cashback on your purchases.

Like Porto Seguro, the BMG card has different types of credit cards. Here, what differs the most is the audience for which it was created, as you can see in the table below.

In addition, all the aforementioned cards carry the Mastercard brand, making it possible to use them in more than 30 million establishments. And with this flag, the user can access the Mastercard Surprise program.

In this way, all your purchases will generate points that can be exchanged for other products and services. In addition, the flag also offers insurance for purchases and 24-hour assistance.

The Porto Seguro credit card is full of advantages, most of which are exclusive discounts both on its services and on the purchase of products from partner stores.

That way, when you have the Porto Seguro card and start using it, you can earn discounts on contracting and renewing Porto Seguro Auto and Azul Seguro Auto and on applying for Porto Seguro Residência and Life Insurance.

In addition, the user also has the Porto Plus points program, which guarantees that you can exchange your points for discounts at partner stores, Porto products and on your trips.

And we cannot forget that Porto Seguro also offers the Porto Seguro ConectCar Tag, which allows you to pass in queues and make payments without getting out of the car.

Now, looking at the BMG credit card, we can see that its main advantage is the accessibility of the card. This happens because it is available for negatives, offering them the advantage of having access to a card without an annual fee.

In addition, by having the digital account's credit card, the user can access a club of exclusive advantages and get his money back on purchases made both by credit and debit.

With the payroll card, basically the user can access lower interest rates and have the amount automatically deducted from their payroll. In this way, it is easier to pay the invoice.

In addition, all cards offer exclusive discounts at associated pharmacies. That way, when using the card at Drogaria de São Paulo and Drogaria Pacheco, you can buy the items at a discount.

As much as the Porto Seguro credit card offers great advantages, it also has some negative points that you need to know before applying for the card.

Among them, your annuity is something that weighs heavily on your pocket. As much as you have the option of being exempt from this fee from monthly purchases on the card, the amounts for this are high and often exceed the card's minimum income.

In addition, the card performs a more rigorous credit analysis, which can thus exclude negative people or those who do not have a good credit history.

Even though the BMG card is super affordable and offers incredible perks for negatives, it also has its share of downsides.

Therefore, one of the main disadvantages is the fact that the card has revolving interest. Therefore, you need to be extra careful when using it.

And, even though the invoice amount is debited from the payroll, it is necessary to know that the bank is only allowed to commit up to 5% of your income. Therefore, if the amount of your invoice exceeds this, it must be paid with a bank slip.

The Porto Seguro card and the BMG card manage to offer great features to users. Thus, it is normal to experience difficulty in choosing between the two financial options.

Thus, it is necessary that you analyze each benefit that you gain with the cards and see which one will be best used by you.

For example, the Porto Seguro card is the ideal option for anyone who wants to hire a service from the company or who makes a lot of trips and needs a card that offers insurance and assistance for them.

On the other hand, the BMG card offers great advantages for those who are negative or receive government benefits.

Therefore, it is interesting that you analyze which group you belong to to consider which features best fit your financial life.

But, if you are still in doubt and want to know other credit card options, you can check out the article comparison below.