How about deciding between the Sicoob Gold card or the Nubank Ultraviolet card after this comparison? In short, both have apps for account and credit card monitoring, as well as rewards programs.

However, they do have some differences. That's why we created this comparison to help you choose the best option. After all, what is the ideal? If you happen to want to know, continue reading and follow the information in detail.

Currently, Sicoob has more than 5 million customers or members throughout Brazil. Then, with the arrival of digital banks and account monitoring applications, he adapted to new technologies with an account control and credit card application.

In addition, Sicoob has at least six types of credit card, with three brands to choose from, such as Visa, Mastercard and Cabal, for example. Therefore, the customer is directed to the card according to his financial profile. However, you can choose your favorite.

Furthermore, the Sicoob Gold card has two international flag options: Mastercard and Visa. And a national flag option, it being the Cabal. As well as the request process is done at the cooperative agency. By the way, this card is ideal for those who travel a lot and need security, as this model has travel assistance.

Also, through Sicoobcard Prêmios, each purchase becomes a point that can be exchanged for airline miles, products, among others. In addition, you also have the opportunity to participate in the chosen brand's rewards programs.

It is also worth noting that this option requires a minimum income and has an annuity, but the amounts are only informed at the time of request.

Well, this advanced version of roxinho was launched in July of this year. As it has a Mastercard Black flag, there was the possibility of demanding a minimum income for the application, which was not confirmed. Therefore, the Nubank customer who wants this plus goes through the common analysis carried out by the bank.

As we mentioned, access depends on the usual credit analysis, however, there is a list of interest. When the card was launched, Nubank customers were prioritized. So, if you already have the digital account and are an old customer, the chance of getting this model is greater.

Unlike other bank cards, this physical card is three times heavier in metal and with a focus on security. That is, numbers and information related to the card are only available in the application.

In addition, use this international flag card to subscribe to services such as Netflix, Spotify, Uber and other applications, for example. Also, upon approval, there is a monthly fee of R$ 49.00 which guarantees Mastercard benefits. These include health and travel insurance.

Finally, with each purchase you have cashback of 1%, with annual income. Incidentally, this income reaches 200% of the CDI, much higher than savings, for example. This card will certainly come in handy for anyone looking for low fares and travel benefits.

The Sicoob Gold card offers 40 days to pay interest-free invoices. In addition, it is useful for emergencies, that is, it allows withdrawals from branches that can be paid in up to 12 installments.

In addition, when ordering, you can choose between Visa, Mastercard or Cabal. In other words, you can also take advantage of the Vai de Visa or Mastercard Surprise programs. Remembering that Cabal does not have a rewards program.

In addition, you can also enjoy other benefits of the Visa and Mastercard brands, such as Price Protection, Purchase Protection and Extended Warranty insurance. On the other hand, you can participate in the Sicoob rewards program.

That is, in this program you accumulate points for every dollar you spend and can exchange them for airline miles, invoice credit, exclusive products or weekly prizes.

So, know that the Ultravioleta customer has an exclusive card, with greater weight and metal design. Incidentally, it gains in security, as there is no information on either side of the plastic. 

Furthermore, take advantage of the cashback that yields 200% of the annual CDI. It is worth noting that this amount accumulates in the account and does not expire. In addition, you enjoy the benefits of the Mastercard black brand, that is, you have travel-related insurance and assistance to take advantage of.

Speaking of travel, Ultravioleta customers access lounges and VIP rooms while waiting at airports. Just as it has an international flag credit card accepted worldwide and with virtual and physical versions.

Incidentally, this card has low fees and access to the same application as the basic Nubank card, with the usual benefits. Among them, immediate release of the limit after payment and monthly chances of increasing the limit.

First, the card must be requested at one of the Sicoob agencies. This process can be a little more bureaucratic compared to other banks, as most of them have an online procedure.  

Another disadvantage is that the annuity and minimum income are only informed at the time of application. In addition, negatives do not have a great chance of approval.

The main disadvantage is the monthly fee, which is only waived if you spend R$ 5,000 on your invoice or invest R$ 150,000 in Nubank funds. On the other hand, the access to the Lounges also draws attention, which, even with the card, you will pay permanence fees

In addition, older Nubank customers with a good financial history will be given priority in approval. That is, in case of creating a new account, approval may take time. Finally, you have to wait on an interest list to gain access to the card.

So, were you able to decide between the Sicoob Gold card or the Nubank Ultraviolet card? In short, both can be considered advanced versions of the most basic cards from the respective issuing institutions.

However, the differences are important. While the Nubank option can be requested without leaving home, Sicoob only releases credit with an application made at the branch. Of course, we also highlight that one does not require a minimum income, while the other does.

The most important thing when deciding is to assess your financial situation. In addition, observe the CPF, since none of them presents the possibility of offering credit to negatives. After that, choose the best one to do your shopping in thousands of establishments.

Finally, if you haven't decided yet, enjoy the recommended content below. You will certainly find more options to define the credit card that best suits your priorities, be it big purchases, trips or courses, for example. Just click!