Banco BTG Pactual launched the BTG+ digital bank aimed at individuals and, through it, the BTG+ credit card with a cashback program, international coverage and the Mastercard brand. Therefore, the BTG+ card review will tell you everything about this card, which is among the best on the market.

Now, you will check out everything about the BTG+ card review, below.

First, regarding the annual fee, there is a difference between the three BTG+ digital bank card models. This is because the BTG+ Basic Option card does not charge an annual fee. On the other hand, if you want to participate in the Invest+ program, you need to pay a 12x annual fee of R$ 30.00.

Despite this charge, you can exempt it if you spend at least R$ 3,500.00 per month on your invoice or if you invest from R$ 30 thousand. In the case of the BTG+ Advanced Option card, the annuity is 12x R$ 15.00 without the Invest+ program and 12x R$ 45.00 with the benefit.

But there is also the possibility of exemption in both cases, in the first one you must have expenses of R$ 2,000.00 on your invoice or invest from R$ 20 thousand. In the second case, you need to spend more than R$ 5,000.00 on the monthly bill or invest above R$ 50 thousand.

Finally, the BTG+ Black card charges an annuity of 12x R$90.00. In this case, you get exemption if you spend more than R$ 12 thousand per month on the invoice or if you invest more than R$ 100 thousand in the bank.

In terms of coverage, the three cards have international coverage, so you can shop anywhere in the world, as well as make payments and financial transfers through the digital account.

Still continuing the BTG+ card review, let's talk about fees and tariffs. In terms of revolving credit interest on all cards, it is around 10% per month.

In terms of interest on bill installments, up to 6.5% per month is charged. However, if you delay payments, you will have to pay 2% of late fee and 1% of default interest.

The flag used by the BTG+ bank is Mastercard.

Thus, the three cards offer programs such as Mastercard Surpreenda, in which when you register your BTG+ card you earn 1 point whenever you use it, regardless of the purchase amount and from 5 points onwards, you can exchange it for incredible rewards.

And, in addition, you also have access to Mastercard's 24-hour assistance, car insurance, price protection, the original extended warranty, the Schengen Charter, medical emergency insurance, among several other advantages that only the brand provides.

So, to gain access, just register your card in the programs mentioned above and start enjoying all these Mastercard benefits.

When it comes to the BTG+ Basic and Advanced Option cards, the advantages are basically the same, as all of them are also part of the Black version. In this way, you can count on approximation payments that provide more security when making purchases.

And, in addition, through the BTG+ bank application, you can change your card limit, check your invoice, unlock your card, control all your expenses and have access to everything that happens with your card at the exact moment of purchase.

In addition, you can start using the virtual version even before receiving the physical one, as well as the card works as debit and credit.

And you also have access to the Invest+ program in which you can make investments through the BTG bank application itself. In this case, if you opt for the program, you will have part of your expenses transformed into investments. For example, in the Black version it is possible to have 1% of cashback. Thus, this money that returns is invested automatically.

So, basically the advantages are the same for the three cards, but in the Black version, you also have insurance, travel assistance and access to the Mastercard lounges at Guarulhos Airport, in addition to two free annual accesses to the VIP lounges associated with the program LoungeKey.

And, on the other hand, the Basic version does not charge annuity, nor does it require proof of minimum income, being a good alternative if you are without resources for the other two options.

Still talking about the BTG+ card review, let's mention the disadvantages. Firstly, the first disadvantage of the BTG+ card is the annual fee charged for the Advanced and Black versions, as well as for the Basic version if you opt for the Invest+ program.

That's because this charge removes several people who would like to have access to the card, but due to these requirements they will not be able to request it.

And, in addition, the annuity values are also for people who have a considered high income, which in a country like Brazil is even more complicated.

So, the BTG Pactual bank created the BTG+ digital account with everything you need in a digital bank, so through the application you can control everything that happens in your digital account, as well as your credit and debit card transactions.

To apply for the BTG+ card is very simple. Just install the BTG+ bank app, available on the App Store or Play Store, and open your account. Then, you must provide your personal data, send photos and a selfie holding the document.

So just wait for the credit analysis. If approved, you can proceed and choose the card of your choice. For step-by-step instructions, click on the recommended content below.