Choosing a credit card can be a daunting task. Therefore, today we are going to help you decide between a Porto Seguro card or a Credicard card. 

The Porto Seguro card has a free annual fee for the first 12 months. In addition to having international coverage and access to rewards programs. The company also offers an exclusive points program: Porto Plus.

The Credicard card, on the other hand, has a free annual fee. And the credit analysis guarantees the limit you need on your card. In addition, with the card, it is possible to have discounts in several establishments.

In this article, we will show you all the details of these two cards. For you to understand which one is worth choosing between Porto Seguro card and Credicard card!

First, let's introduce you to the Porto Seguro card. This card is part of the insurance company with the same name as the product. Porto Seguro is one of the pioneers in terms of services related to all types of insurance.

Therefore, the issue of credit card trust is not an issue. Because the company has a lot of credibility. Also, speaking of the card itself: your annuity is free for the first 12 months. 

After that time, the rate depends on the monthly spending on the card. To help you better understand how it works, we set up the table below:

It is worth mentioning that the application for the Porto Seguro card is only made upon proof of minimum income. That is, to hire the International variant, you must have income equal to or greater than R$1000.

In general, monitoring your spending on the card is quite simple. That's because the company provides a complete application. In it you check your invoice, expenses and also have access to all installments.

All this with an international coverage card and an exclusive points program. With Porto Plus you can turn your purchases into points. These points are exchanged for airline miles and discounts on products and services.

Finally, for those who like to make payments online, the Porto Seguro card is a great option. Because the card can be used in almost all digital wallets. In this way, there is no bureaucracy when paying using Apple Pay, Samsung Pay and Google Pay.

In second place, we have the Credicard card. This card is free of annual fees and has the Visa Platinum flag. Therefore, with Credicard you have access to all the benefits of being Platinum.

When we talk about the limit, the credit depends a lot on the individual analysis of each client. This analysis is carried out by the bank itself. That is, you hand in your documentation and Credicard gives you a limit compatible with your income.

In addition, the Credicard card has the option of a virtual card. That way, you can make your online purchases more securely. By the way, it is possible to have two cards. And use one for recurring purchases and the other for one-off purchases.

With the credit analysis done, it is now possible to start using your Credicard card. Just activate your virtual card through the app. Because the bank provides a complete app for you to monitor your expenses and invoice.

In general, the Porto Seguro card has great advantages for you. To begin with, we can mention the fact that it has a unique scoring program. With this, you do not depend on the programs related to the flag.

Therefore, Porto Plus transforms your purchases into points. These points can be exchanged for airline miles, travel and discounts on products and services. It's really worth it, as all spending on the card will revert to Porto Plus.

In addition, the annual fee for the Porto Seguro card is free for the first twelve months. After that period, it is also possible to have exemption depending on the amount of monthly spending.

Moreover, as it is associated with an insurance company, when you hire the card you have discounts at Porto Seguro. That is, you can hire insurance with better conditions because you are already a customer of the insurer.

Unlike the Porto Seguro card, the Credicard card has no annual fee. Therefore, this is already one of the first advantages of hiring this card. 

In addition, Credicard offers a financial assistance service. That is, financial intelligence that helps you make the best decisions about your money.

A great option for those just starting to deal with these issues.

Another advantage of the Credicard card is that right after the credit analysis, you can start using your available limit. That's because the bank makes the virtual card available.

By the way, you can have two different virtual cards. In this way, leaving one for recurring purchases, such as subscriptions, for example. And the other for more punctual purchases.

In addition, the Credicard card has the Visa flag. In this sense, the card gives access to all the benefits related to the brand. For example, the Vai de Visa program. With it, you get discounts at various establishments.

When we talk about disadvantages, the main feature of the Porto Seguro card is the annual fee. Although most cards with the same characteristics charge annuity, this is always a negative point.

In addition, there are some cards with similar characteristics, but without annuity. In this way, it is worth checking all the features and advantages. So you can decide which option is best for you.

In short, a disadvantage of the Credicard card is that it does not have its own scoring program. So if that was one of your priorities, it might be a downside.

Therefore, choosing between Porto Seguro Card or Credicard Card is a very personal choice. That's because the two offer similar services with slightly different conditions.

The Porto Seguro card offers an exclusive points program. With discounts and the possibility of earning airline miles. All this with the option of having a lower and even exempt annuity.

The Credicard card, on the other hand, has no annual fee and even offers financial assistance services. That is, you have an artificial intelligence at your disposal to assist in decisions about your money.

But if you are still in doubt and want to know some other options. We will show you the differences between the Porto Seguro card and the Neon card in the recommended post below. Read more!