First, deciding between the Classic Sicoob card or the Neon card will help you find an option with immediate approval and an app to control expenses.

To clarify, the Neon card is international with the Visa flag. This enables purchases at various accredited establishments in Brazil and abroad. Furthermore, it can be ordered online.

On the other hand, the Sicoob bank card is requested at the branch. In addition, it is the classic version of the cooperative's cards and can be issued under the Visa, Mastercard and Cabal flags. This last option has fewer advantages compared to the other two.

So, without further ado, check out this comparison. Surely, at the end of reading you will have chosen yours. So check out advantages, disadvantages and information. Let's go!

The Sicoob cooperative has 5 million members, who have the option of choosing between different types of credit cards. Among them, we have plastics with Visa, Mastercard and Cabal flags. Furthermore, there are six card categories to choose from.

In addition, to apply for a credit card, you must have a bank account. Therefore, the request is made at Sicoob agencies, without the possibility of requesting it over the internet, for example. On the other hand, the face-to-face order facilitates the choice of the ideal card.

In fact, even with the request at the branch, the cooperative has online processes. That is, the customer has an application to track invoices and expenses, as well as make transfers or payments.

Furthermore, the Sicoob Clássico card is the most basic version of the cooperative's international Visa, international Mastercard or national Cabal options. It is worth noting that it has a minimum income and annuity, but the amounts are not informed on the institution's website.

We also did not find information about the limit. However, the greater the movement, the greater the chance of gradually increasing the available limit. Finally, take advantage of the Sicoob rewards program, that is, earn points with each purchase. This benefit does not apply to the Cabal branded card.

The Neon card is well known for having low fees. Furthermore, requesting this financial product depends on opening an account and the entire process can be done online via the website or the application. Incidentally, most transactions and troubleshooting are also done through the app.

It is worth mentioning that the card has no annual fee and charges few fees in relation to the most common transactions. In addition, you can use the “elastic limit”, where the customer, even without a limit, can make purchases on credit.

So, this is an international flag card, which has a virtual and physical version. Therefore, it is possible to use it for payments in international stores, as well as Netflix, Spotify and other applications.

In short, this card has little bureaucracy, as you receive the virtual card before the physical one and can use it. Finally, take the opportunity not to spend on fees and also guarantee free withdrawals following the rules that we will explain below.

First, the cooperative's most basic card has many advantages to offer its customers. In addition, the invoice can be paid in up to 40 days without interest. In addition, the credit limit can be used for withdrawals, with installments deducted from the invoice.

In fact, it is possible to choose between three credit brands: Mastercard, Visa or Cabal. In the first two, you can participate in the Mastercard Surpreenda and Vai de Visa programs, respectively. Remembering that the Cabal flag does not have this benefit.

We also have the Sicoob rewards program that turns every dollar spent into a point. After accumulating a certain score, just exchange it for miles, products, etc. It is worth noting that this benefit does not apply to the Sicoob Clássico Cabal card.

Not paying the main fees required by other cards is quite an advantage. On the other hand, to get free withdrawals at ATMs in the Banco24Horas network, for example, it is necessary to join Neon+. For this, you need to make at least ten purchases per month with the card.

In addition, unlike other digital banks, this one does not charge fees for simple transactions, such as transfers, payments or deposits, for example. You can also take advantage of the +Limite challenge, where by fulfilling each proposed challenge, you can increase your credit limit frequently.

That is, with each challenge completion you get more limit. Still talking about this subject, with the elastic limit, you have the advantage of going through a quick credit approval and making purchases even with the normal limit exhausted! Finally, this card issues the physical and virtual version without charging an issue fee or annuity.

First, it is not beneficial to have to go to the branch to ask for a credit card. That is, you can use the application only to unlock the card and monitor the account. We also highlight that negatives may not get approval.

It is also important to mention that the card's minimum income and annual fee are not informed on the website, which makes it difficult to access the financial product. Furthermore, we did not find major problems with this option.

The disadvantages of the Neon card are related to compliance with rules to ensure benefits. In the case of free withdrawal, you need to make purchases with the card at least ten times a month. That is, without meeting this criterion, the fee is R$ 5.90 per withdrawal.

Incidentally, people with restrictions have difficulties in approving this card. So, know that your CPF will be consulted at the credit bureaus during the credit analysis process.

So, was it easy to decide between a Classic Sicoob card or a Neon card? In summary, both are ideal cards for those looking for little bureaucracy and immediate approval.

However, they have some differences, for example. While one can be requested online, the other is at the agency. In addition, the Sicoob option offers three flags, while Neon only has the Visa version.

So pay attention to your financial priorities to decide. That is, assess whether you need to make a big purchase, pay for lower purchases, or just have the security of a credit card.

In addition, assess the situation of the CPF before starting the request. So, choose the one you consider with less bureaucracy, more advantages and a greater chance of approval for your financial profile.

By the way, don't worry if you were in doubt. Below, we have recommended content with a new comparison that will help you in this important decision. So stay with us!