Currently, the market offers many credit card options. That way, it was even difficult to decide which option was best for you. Or which one will best suit your needs. Therefore, today we are going to give you two options and explain the advantages and disadvantages of each credit card. That way, get to know the two cards and find out which one to choose: Neon card or Sicredi Gold card. Both cards have travel rewards and rewards programs. 

Firstly, the Neon card is a non-annuity card from a 100% digital bank. Also, a benefit of the Neon card is the elastic limit. If your limit runs out, the bank carries out a new punctual credit analysis, designed for specific purchases.

Likewise, the Sicredi Gold card has rewards as its greatest benefit. The card has the benefits of the card brand, Mastercard Surpreenda or Vai de Visa. In addition, the card has its own rewards program.

In it, you accumulate points that can be exchanged for electronics, clothes, cashback on the invoice. In addition, points can also be transferred to frequent flyer programs such as TudoAzul, Smiles or Latam Pass. Each dollar corresponds to one point.

In this article, you will learn about the advantages and disadvantages of each one and find out whether you should choose the Neon card or the Sicredi Gold card. Continue reading and check it out!

Firstly, the main difference of the Neon card is the fact that it belongs to a digital bank. In this way, everything can be resolved over the internet in relation to the card. The account can be opened without leaving home and the card is requested quickly. Whether through the website or the app, card approval is only subject to credit approval.

In this sense, the credit analysis can last up to 5 consecutive days. To ensure that your limit is in line with your income, remember to keep your registration up to date. Another benefit is that the card has digital 100% usage, with the virtual card available. In addition to being international and allowing all online purchases. So, if you are looking for a card to pay for your streaming subscriptions or make purchases over the internet, this is a good option.

In case of late payment, the Neon card has one of the lowest interest rates on the market. For example, to pay the bill in installments, interest can reach up to 13.9% per month. When we talk about the minimum amount of the invoice, the rest goes into revolving credit. The interest for this modality is 14.9% per month. There may be other fees included, it depends on each case and each card.

It is worth noting that the Neon card also has a debit function. Likewise, so you don't forget to pay your bill, it has an automatic debit option. That's right, automatic debit for your card bill! So you stay safe and without having to pay interest for an oversight.

Sicredi Gold is a great financial product for reward seekers. However, to have the card it is necessary to already have a bank account in the Credit System. In addition, one of the advantages is that with the Sicredi Gold card you can choose the flag you prefer. Be it Mastercard or Visa.

In addition, to guarantee the card, it is necessary to prove income. And he still has an annuity. However, neither of the two values is reported by the institution on the website. That way, you only find out about these conditions at the time of hiring.

As we already mentioned, the biggest advantage of this card is the rewards programs. In this sense, Mastercard Surreenda and Vai de Visa are great options with several benefits. Likewise, speaking of advantages linked to the brand, the card still has 4 services guaranteed by both Visa and Martercard:

Another advantage is Sicredi's own rewards program. With it, it is possible to accumulate points and exchange them for electronic products, appliances, clothes, airline tickets, cashback on the invoice and many others. In addition, it is also possible to transfer your points to frequent flyer programs from Sicredi partners. The options are TudoAzul, Smiles and Latam Pass. In this case, each dollar equals one point.

Although Sicredi is more traditional, the Sicredi Gold card has the option of approximation payments. The contactless function is available for purchases of R$200.00 without the need for a password. Higher than this value, you will need to enter the password to finalize the purchase. In other words, the contactless system allows you to make everyday purchases much easier.

One of the great advantages of the Neon card is that it is an international credit card with no annual fee. Furthermore, we also have the elastic limit. Similarly, this limit is for when you want to make a one-off purchase that exceeds your limit. In this case, the bank carries out a new credit analysis completely free of charge.  

The Neon card is 100% digital, that is, it also has a virtual card. With your digital card, you can use services such as Netflix, Spotify and even make purchases with peace of mind.

First, the Sicredi Gold card has the advantage of allowing the customer to choose the brand. That is, you choose between Mastercard or Visa. Also, the biggest benefits are the reward programs.

With Mastercard Surprise, each purchase is worth one point. Points can be redeemed at stores with more than 50 partners. The stores offer more than 800 offers for you to redeem your points. 

Vai de Visa, on the other hand, offers exclusive benefits for those who choose the Visa flag. Mainly, discounts in shops, restaurants and hotels. Thus, it is a great option for those who travel a lot.

Finally, with the Sicredi card rewards program, it is possible to accumulate points to exchange at various establishments, including frequent flyer programs. In this way, it is very advantageous for those who like to travel.

The main disadvantages of the Neon card is the account itself. This is because the bank may charge for simple transactions such as transfers and payments. In addition, there are fees for generating slips and also for DOC and TED.

When we talk about the Sicredi Gold card, the main disadvantage is the annuity and minimum income. Likewise, having to go to a physical agency for some things can be a disadvantage for many people. 

Finally, if you are in doubt between the Neon card or the Sicredi Gold card, it's very simple: consider your objectives. The Sicredi Gold card is more traditional, with security and the option of having a physical branch. The Neon card, on the other hand, is 100% digital, with all the pros and cons of having a digital bank.

On the other hand, if you want to know even more cards, check out the article recommended below. In it we talk about the Pan card and the Original card. Check out!