Choosing the ideal credit card can be a difficult task. Therefore, we will show you the advantages and disadvantages between the Porto Seguro card and the Neon card. These two options have international coverage and free annuity.

Therefore, the Porto Seguro card is international and available to those with an income greater than R$1,000. Its flag is Visa or Mastercard and entitles you to the Vai de Visa or Mastercard Surpreenda program. With discount in restaurants and establishments.

Furthermore, the Neon card proposes to be 100% digital and without any bureaucracy. In this way, it is a credit card with no annual fee and an elastic limit. That is, you can exceed the limit of the card if you need to.

In general, we will give you more details of each of the cards. Keep reading and find out which is the best option between Porto Seguro Card or Neon Card!

At first, we will show you the Porto Seguro card. A Porto Seguro insurance card that offers this financial service. The company is a pioneer when it comes to insurance in Brazil.

Therefore, customers can rest assured in terms of credibility. In addition, the credit card has a free annual fee for the first 12 months. After that period, it depends on each person's monthly spending.

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Another important piece of information is that to apply for the Porto Seguro Internacional card, you must present a minimum income. It is only possible to hire if you prove income equal to or greater than R$1,000. 

Furthermore, the card has international coverage and Porto Seguro offers an additional card without having to pay an annual fee. By the way, you can monitor expenses and your invoice through the application. All from the palm of your hand.

In short, when we talk about the scoring program, the card has a unique program. PortoPlus turns your expenses into points that you can exchange for miles, discounts on products and services.

Finally, the Porto Seguro credit card is also accepted by most digital wallets. This way, you can make your payments through Apple Pay, Samsung Pay and Google Pay.

Second, we have the Neon card. To apply for this card, you must already have a bank account. That is, it is a special card for account holders. That way, he has international coverage and free annuity.

In addition, the Neon card performs a much less bureaucratic credit analysis than other banks. This is because the bank analyzes each profile individually. To be able to offer a limit consistent with the person's income.

By the way, Neon offers the elastic limit service. With it, you can increase your limit on some occasional purchases. Do you know when the card will pass and the purchase is denied due to the limit? With Neon this doesn't happen!

Moreover, expense management is very simple with the Neon card. The bank provides a complete application where you can access the duplicate invoice, monitor purchases and also make payments and transfers.

At first, a great advantage of the Porto Seguro card is its exclusive scoring program. With Porto Plus you have discounts on products, trips and you can exchange your expenses for airline miles.

Another great advantage is that the annuity is free for the first 12 months. Therefore, you can test the card before actually knowing if you want to pay an annual fee for the service.

As it is a Porto Seguro card, it also entitles you to discounts on Porto Seguro products and services. That way, you can hire insurance at a better price than if you weren't a customer.

In short, the Neon card is advantageous because it is integrated into the current account. That way, your entire financial life is concentrated in one place. And all this with a credit card with no annual fee or any surprise fees.

In addition, Neon is focused on taking the bureaucracy out of financial life. Therefore, everything can be resolved online. From the request to the monitoring of your card expenses.

Another big advantage is the elastic limit. With the Neon card you no longer have your card denied due to lack of limit. When this happens, the bank provides a new one-off limit, without the need for a new credit analysis.

In general, the main disadvantage of the Porto Seguro card is the fact that it has an annual fee. Unless you spend more than R$2,500, the fee still applies.

While Neon, for example, offers services similar to Porto Seguro, without charging an annuity under any circumstances. Therefore, it is necessary to ask what are the two priorities.

As we already mentioned, a disadvantage of the Neon card is that you need to be an account holder to apply for the card. That is, if your interest was only to take out the line of credit, it is not possible.

Furthermore, those looking for scoring programs may be disappointed. Neon Card does not have any exclusive rewards program. Only those linked to the flag.

Finally, deciding between the Porto Seguro card or the Neon card depends a lot on each one's priorities. In general, the Neon card credit analysis can be much faster. In that sense, it can be a good option for those who are starting out in financial life.

The Porto Seguro card has exclusive card benefits. Therefore, a great option for anyone looking for a credit card scoring program. In addition to those linked to the flag.

That way, it's important to look at the pros and cons of each one and decide which one suits your financial priorities at the moment.

In addition, we will show you another post with cards for you to know. Check out the differences between the Porto Seguro card and the Bradesco card in the recommended content below.