Do you know credit unions? Well, cooperatives are financial institutions approved by the Central Bank that offer personalized services to their members, including credit cards. So, if you are in doubt between Unicred Gold card or Sicoob Gold card, check out our comparative content and discover their main features.

Both the Unicred Gold and Sicoob Gold cards are cards with international coverage that offer exclusive benefits to their customers. In this sense, you will need to join cooperatives to apply for cards. Check out more features below.

First, the Unicred Gold credit card is offered by the Unicred credit union under the Visa brand. In this sense, Unicred Gold cards have international coverage and feature benefits that are characteristic of Gold, such as Price Protection or Purchase Protection.

Furthermore, Unicred Gold cards are still part of the Único rewards program. Thus, you can accumulate points and exchange them for cashback, products and services. That is, there are many benefits to take into account when making your choice.

However, although the amounts are not clear on the Unicred website, the card charges an annuity in addition to other fees. Therefore, it is important to inform yourself before joining the product.

Incidentally, the Unicred Gold card is only available to cooperative customers. This means that you need to become a member first, and then check Unicred Gold's availability for you. So keep an eye out!

Did you know that Sicoob is the largest credit union in the country? Well, with more than 5 million members, the cooperative offers several credit cards, including Sicoobcard Gold. In this sense, the card can be issued both with the Visa and Mastercard flags, in addition to offering international coverage.

Although Sicoob's official website does not inform the annual fee, it is expected that cards in this category charge a monthly fee, in addition to other types of fees for certain transactions. Also, be aware of the minimum income amount that is usually required to apply for the card.

By the way, it is also important to inform that to subscribe to the product, you will need to join the Sicoob cooperative. That's because Sicoobcard cards are available exclusively to cooperative members.

So, if you are still in doubt between the Unicred Gold card or the Sicoob Gold card, read on to find out more about them. So, discover its advantages and benefits to choose the best product for your profile. See below.

Well, Unicred Gold cards offer several benefits that make it a very advantageous product. By the way, it is important to know what the card offers before ordering the product. So, check out the benefits of Unicred Gold below.

First, the cooperative card can be issued under the Visa flag. Thus, you will be able to register it on the brand's website to participate in the Vai de Visa program. That way, you can enjoy exclusive discounts on partners, as well as prize draws.

In addition, the cooperative also offers an exclusive benefits program, the Único. With it, you can earn 1 point for every 1 dollar spent, or 1.3 points if your invoice exceeds R$4,000.00. Thus, you can exchange your points for benefits such as cashback, products and services, airline tickets or transfer your points to partner programs.

What's more, you still get perks like Purchase Protection, Price Protection, and Extended Warranty Insurance. It's a lot of benefits, isn't it?

First of all, the main positive aspect of Sicoobcard Gold is the benefits that this card category offers. Thus, you will have travel assistance service, Purchase Protection and Price Protection. In addition, you can even register your card to be part of the Vai de Visa or Mastercard Surpreenda programs.

Incidentally, Sicoobcard Gold cards also participate in the cooperative's exclusive points program, Sicoobcard Prêmios. With it, you earn points when you make purchases on your card, and then you can exchange them for airline miles, products, cashback on your invoice, among other services.

In addition, the card also allows emergency queries and withdrawals at Banco24h terminals. Therefore, it is a product with many positive points and it can be very advantageous to order it.

Although the Unicred Gold card offers a long list of advantages, it also has its negative points that you should be aware of if you want to order this product. Thus, the main negative aspect of this card is that it is only available to Unicred members.

That is, if you are interested in joining this card, you will need to become a member of the cooperative first. Only then will it be able to check the availability of the product for you. Incidentally, the Unicred website does not provide clear information such as the value of the annuity or the minimum income, and this product may not be available for your financial profile.

In addition, the card must be requested in person at a Unicred branch. In this way, you will have to go to the cooperative to join. Therefore, there are many bureaucracies that may end up not being worth it.

Well, the Sicoobcard Gold card also has some negative points, such as its bureaucratic request. In this sense, you will need to go to a physical Sicoob agency to order yours.

However, if you are not a co-op member, then this product may not be for you. That's because only Sicoob members can apply for this credit card. As such, you will need to pay the initial capital fee and become a member and then verify the availability of this credit card for you.

Furthermore, it is important to remember that the Sicoob website does not provide clear information about the Sicoobcard Gold card. That is, you cannot consult the values of fees and minimum income online and you will also have to personally verify this information.

Now that you've followed our content on the Unicred Gold card or Sicoob Gold card, it's much easier to understand how each product works, isn't it? Therefore, both are excellent options for cooperative cards. So, all you need to know is which credit union best suits you financially.

However, if you are not interested in joining a cooperative, there are other card options on the market that may suit you. Therefore, access below and see more comparative content with other card options for you.