How about choosing between the Sicredi Gold card or the Santander SX card and enjoy the many advantages of these options?

Firstly, both cards have two flag options, namely Visa or Mastercard. That way, you can choose the one that offers the best benefits.

On the other hand, they have marked differences, especially when we talk about the benefits offered by the financial institutions responsible for issuing them.

The most important thing is that they are two interesting cards for those who need to buy at thousands of establishments or even pay for Netflix, Spotify and other apps.

So, without further ado, check out the comparison between the two and decide which is best for you. Let's go!

The Sicred Gold card can be issued both under Visa and Mastercard, and has international coverage. Therefore, you can use it to shop at different establishments inside and outside the country.

Therefore, access to this option is by opening an account with the cooperative. Certainly, anyone who proves the required income and has a clean name will be able to get this card. Then, the customer will have a financial product with an international credit flag, accepted in establishments all over the world.

The Sicredi Gold card allows purchases to be paid in installments over a period of time, with the first bill payable within 40 days. On the other hand, the Sicredi application eliminates the need to solve problems at the branch. However, you can only apply for a card at Sicredi branches.

In addition, take advantage of the flag's point programs, but also that of the cooperative itself. In the case of the Sicredi program, if you spend one dollar, you receive one point. That is, exchange for products, cashback with a discount on the invoice or airline miles.

Finally, have a complete card, with the chance to have problems resolved in person, unlike other digital banks. In addition, there is the contactless payment option, which must be enabled in the application or at the Sicredi branch.

Santander's tradition of offering credit cards is certainly famous. So, the SX card was launched as the most modern option, that is, it symbolizes the institution's entry into the fever of digital banks. Therefore, it can be ordered over the internet and requires little time from the user to order.

In fact, it is in the application that all transactions are made, that is, App Way does not charge fees for traditional transactions and you can monitor invoices, in addition to the credit limit.

Santander SX customers also take advantage of Santander Pass, which is the chance to pay for purchases without having the card in hand. So customer can have watch tag, stickers or pay with app.

Furthermore, it is possible to be free of annual fees by spending at least R$ 100.00 on the invoice, which is a low amount. It is also possible to waive the fee by registering your CPF and cell phone number as two PIX keys for your Santander account, for example. By the way, there are also discounts with Esfera partners.

In short, this is an option without bureaucracy and with low fees from Santander bank that serves numerous financial profiles, even those with low income, certainly. In fact, learn more about the advantages of both cards below.

The Sicredi Gold card offers purchases with price protection insurance. That is, this advantage returns the money if you happen to find the same product, but cheaper, elsewhere. In addition, there is insurance that protects products for 30 days, that is, receive another one in case of damage or theft.

If you choose one of the two flags, you will benefit from incredible points programs. If you choose Mastercard, you can take advantage of the Mastercard Surprise program. Thus, it will be possible to accumulate points and get lower prices in restaurants and stores.

On the other hand, if you choose the Visa brand, you can use the Vai de Visa program. That way, you will have discounts on courses, exams and even to get a job, for example. That is, if the vacancy is on the Catho website, pay cheaper in one of the subscription plans.

There is also the cooperative program, where every dollar spent is exchanged for points. In addition, exchange the accumulated score for appliances, clothes, plane tickets or cashback that provides a discount on invoices.

In addition to the advantages offered by the chosen brand, Santander SX customers enjoy numerous benefits, such as annuity waiver. That is, spend only R$ 100.00 monthly and don't worry about the monthly annuity of R$ 33.25. If you happen to want another option, register the PIX keys and do not pay the fee.

In addition, pay the invoice in up to 24 installments with fixed installments without incurring new monthly interest, for example. Also, you don't need to have your card with you to guarantee payments. In fact, there are several ways to pay with a watch tag, QR Code with the Way app or even stickers inserted wherever you want. Also take advantage of Sphere discounts.

Certainly, there are financial emergencies that need a quick solution. So, the Santander SX customer gets quick cash by withdrawing from the credit limit and paying only when the invoice arrives. In fact, it is even possible to install the amount without weighing it in your pocket.

The main disadvantage is having to apply for a credit card at the agency. That is, only opening an account when going to a Sicredi unit to request the card and guarantee the necessary transactions.

On the other hand, what also hinders is the minimum income requirement and the annuity charge. However, to know these values it is necessary to contact the cooperative.

Although the minimum income requirement for account holders seems low, it only applies to those who are already Santander customers.

Therefore, whoever is opening a new account and wants a credit card must prove a higher income, of R$1,045.00. In addition, your CPF is consulted at the credit bureaus, that is, it is difficult for negatives to get this card.

So, was it difficult to choose between a Sicredi Gold card or a Santander SX card? By the way, both are interesting for those seeking immediate approval and an international flag.

However, pay attention to the requirements to choose the ideal one. In addition, negative people may have difficulty acquiring them. So, choose the one that best fits your financial priorities, be it travel, courses or shopping.

If you haven't decided yet, check out another comparison below. Certainly, this recommended content will be useful for anyone looking for a credit card without bureaucracy.