First of all, cooperative cards have gained space in the financial market, becoming increasingly popular. In this sense, the cards offer some unique benefits to their customers. Thinking about it, we brought this comparative content between the Unicred Black card or the Sicoob Black card.

By the way, do you know what a credit union is? Well, the cooperative is nothing more than a financial institution that offers financial services exclusively to its members. Therefore, you will be able to have a personalized service when you become a member of a cooperative.

In addition, the members also share the profits proportionally in case of a positive result of the cooperative. However, in case of losses, the associates will participate in the apportionment of the value, also proportional according to the operation that each one performs within the cooperative. In this way, it can be quite advantageous to join!

So, the Unicred Black card and the Sicoob Black card are from the Mastercard brand, in the most exclusive modality. Both offer personalized service and have international coverage. See more card features below.

First, Unicred is a financial institution that emerged 32 years ago. Thus, the cooperative now has more than 200,000 members, offering personalized service in 14 Brazilian states.

In addition to other services, Unicred offers several types of credit cards, including Unicred Black from the Mastercard brand. In this sense, the Black card is the financial product with the most benefits of the cooperative, being considered its premium card.

Thus, the Unicred Black card is international, that is, you can use it for purchases made in Brazil or abroad. Among the benefits it offers, we can mention access to the VIP lounge at airports, concierge, in addition to some insurance.

Furthermore, this card charges an annuity, but it is not reported on the Unicred website. Although the official website does not inform the minimum income either, you need to be a member of Unicred to access it, as well as you must go to an agency to request yours.

Therefore, keep following our content on Unicred Black card or Sicoob Black card before deciding which one is ideal for your financial profile.

Well, Sicoob, or Brazilian Credit Cooperative System, is the largest cooperative in Brazil with more than 5 million members and operates in all states of the country. In this sense, its associates have access to several benefits, such as credit cards issued by the finance company.

Thus, among the cards that Sicoob offers is the Sicoobcard Black, the premium card with the most advantages of the cooperative. In this way, it has all the benefits that a Mastercard Black can have, in addition to being an international card.

In addition, customers who have a Sicoob Black card have access to the benefits program of both the brand and the cooperative itself. However, there is an annuity and minimum income charge, but this information is not disclosed on the institution's website.

To apply for yours, you must go to the nearest agency. So, are you still in doubt between the Unicred Black card or the Sicoob Black card? Well, read on and see the advantages of both products.

First of all, the Unicred Black card is a Mastercard card, known for offering exclusive benefits to its Black customers. Thus, the card has exclusive advantages such as access to VIP lounges at airports, travel insurance for you and your family and car insurance for rented cars.

In addition, the card offers 2 different limits for you to use: one for purchases in cash and another for purchases in installments. Incidentally, he still gives you up to 40 days to pay your invoice.

In addition, the Unicred Black card offers 24-hour assistance to its customers, purchase protection for its products, in addition to an extended warranty for its purchases.

Additionally, customers can also participate in the Mastercard Surpreenda benefits program and accumulate points on all purchases. Accumulated points can be exchanged for products, discounts and offers at partner stores.

Finally, we also have the Pontue Mais Rewards Program offered by Unicred. In this case, every dollar earns you 2.2 points and the accumulated score can be exchanged for rewards. It's a lot of benefits, isn't it?

Well, the main positive point of the Sicoobcard Black card is that it offers an exclusive service with assistance and protection and insurance programs for all customers. In this way, Black customers have MasterAssist Black, travel insurance that protects you and your family.

In addition, customers also have Car Insurance in case of car rental, purchase protection, ATM theft protection and luggage loss. In all cases, you can be reimbursed for the amount lost both in case of theft and in case of lost luggage.

Furthermore, Black customers also participate in the Sicoobcard Prêmios Program. That is, when using the card you accumulate points that you can exchange for products, invoice credit, airline miles, travel packages, among other options.

By the way, you can still participate in the Mastercard Surprise program and get even more benefits! Therefore, the Sicoobcard Black card offers many advantages to its customer, being the best card among the products offered by the cooperative.

However, if you are still in doubt between the Unicred Black card or the Sicoob Black card, check out the disadvantages of each one below.

Although it is a card with numerous advantages, Unicred Black also has its negative points. First, the card charges an annual fee and minimum income. However, the values are only informed at the time of the request.

Furthermore, you can only access the Unicred Black card if you are a Unicred member. Therefore, you first need to register and become a member, and then find out if the product is available to you. In addition, the application process must be done in person at an agency, which makes it somewhat bureaucratic.

First, the main disadvantage of the Sicoobcard Black card is the annual fee. In addition, you can only find out the value of this fee when you go to a cooperative agency.

Furthermore, the card is only available to Sicoob members. So, you first need to register and become a member and then check if this card is really available to you. It is worth noting that another negative point is that the application process must be done in person.

By the way, it is important to remember that the Sicoobcard Black card is available to high-income customers and you may not be approved even if you become a member of the cooperative. So, do a lot of research before signing up.

Finally, if you followed our comparative content between the Unicred Black card or the Sicoob Black card, then you should already have a very clear view of the two financial products. In that sense, both are Black cards offered by Mastercard.

Therefore, they offer very similar benefits, with only a few details of difference between them. So, if you are really interested in becoming a member of a cooperative, Sicoob may be a good option, as it is the largest cooperative in Brazil.

However, it is important to remember that the Black card is aimed at a high-income audience. Therefore, it may not be available for your financial profile, even after registering with any of the mentioned cooperatives. So, do a lot of research before becoming a member just to apply for your Black card.

Well, are you still unsure and want to see other card options? Access our content below and see more!