When choosing a good credit card that allows you to choose between Visa and Mastercard, consumers may be in doubt between two major options on the market: the Porto Seguro card or the Santander SX card.

Both options bring several benefits to the holder. That way, those who own them can access a more flexible annuity and rewards program on purchases made with the card!

In this way, it can become very difficult for the consumer to choose between the Porto Seguro card and the Santander SX.

Therefore, to help you make this decision, we have separated in the content below the main characteristics and advantages of each card so that you can leave this article more decided! Good reading!

The Porto Seguro credit card is considered the best card option for those who travel a lot or make several international purchases. Due to its coverage and points program, those with this profile can take advantage of this option.

With the Porto Seguro card, the user has access to a points program. That way, all your purchases can be turned into points. So you can exchange them for airline miles, services and products you buy with the card.

In addition, this credit card also has a partnership with 200 different stores. That way, every time you make a purchase with the Porto Seguro card at one of these stores, you can earn discounts on the total purchase price!

And we cannot forget the annuity that this card has. Porto Seguro offers several credit card options to the public. Thus, each card has its own minimum income and annuity values.

Therefore, the annual fee for the card may vary depending on the credit card chosen. But, to make life easier for the user, Porto Seguro applies 3 different annual fees to your card, only one of which is charged to the user.

This happens because each annuity is linked to a range of expenses with the credit card. And, depending on the value, you can exempt yourself from the annuity in the month in question.

In this way, the Porto Seguro annuity remains a flexible tariff, where the user himself can define, based on purchases, whether he will pay it that month or not.

The Santander SX credit card is a great option for those who make a lot of purchases and want to receive some advantages and facilities with them.

In this way, from this card, the user can make online purchases even before the physical card arrives. In addition, it offers several ways to make payment by approximation. 

With it, it is possible to add a tag to a bracelet, watch or sticker, thus facilitating purchases without the physical card. And speaking of it, Santander innovated and developed a sustainable card, made with recycled materials so as not to harm the environment.

In addition, the Santander credit card allows you to make withdrawals using the credit function and pay your bill in up to 24 installments. And if you have recurring purchases on the card, such as subscriptions or even trips with Uber, you can benefit from the automatic update.

From this functionality, when you need to request a new copy of your card, its number will be automatically updated in these services. That way, you won't have to go into each one of them and perform the update manually.

Finally, having this card, you can choose between the Visa and Mastercard brands, and enjoy the advantages that each one brings with it. That way, you can access rewards programs, special insurance and services to hire during your travels.

One of the great advantages of having a Porto Seguro credit card is that the user can access a great points program. In this way, each purchase made will be able to generate points that can be exchanged for air miles, services and products.

In addition, Porto Seguro has a partnership with 200 stores that ensure that users receive discounts when making their purchases. Thus, it will be possible to save on orders.

And finally, the Porto Seguro credit card also offers its users very interesting discounts on the company's other services. 

Therefore, when contracting insurance or financing, the user can access different payment conditions.

The Santander SX credit card, on the other hand, manages to offer users several facilities. The first of these is in purchases, where it is possible for approximation payments to take place from different devices in addition to the card.

In this way, its users do not always need to use the physical card for purchases, thus having more options to complete them.

In addition, the automatic data update feature helps the consumer to waste less time in this routine activity. 

Thus, when requesting a new copy of the card, he will be able to carry out his recurring purchases without problems, since the data on the new card is updated automatically.

As much as the Porto Seguro credit card offers a flexible annuity, it can also be seen as a major disadvantage of the service.

This happens because for the user to be exempt from paying the fee, he needs to spend more on his card bill. However, the spending limit often exceeds the minimum income required by the type of card.

For example, when applying for the Porto Seguro Internacional credit card, which requires a minimum income of R$1,000.00, the user needs to spend an amount greater than R$2,500.00 to have the free annuity.

The Santander SX credit card, on the other hand, has the disadvantage of having to have a current account at the bank so that you do not need to prove your income. Those who do not have an account must prove a minimum income of R$1,045.00.

In addition, the initial limit released by the card is usually low, depending on the credit analysis done on your profile.

To choose the best option for you, you need to know your expenses and know how you intend to use your credit card in your daily life.

Therefore, if you are a person who travels a lot, whether for work or pleasure, or who makes a lot of international purchases, the Porto Seguro card may be a good option for you.

In addition, for those who plan to take out some insurance from the company, having the card helps to access discounts and more advantageous payment conditions.

But if you want to use a card that allows you to make purchases without physically having it, in addition to offering discounts and a reward program, the Santander SX card may fit your reality well.

But, if you are still in doubt between the two options and would like to know about other credit cards, just check the content below that shows another card comparison!