First, the Unicred Gold card or the Sicredi Gold card are two great products offered by two of the largest credit unions in the country, Unicred and Sicredi. In order to provide greater financial autonomy and purchasing power to its members, both cards have international coverage and are accepted in millions of establishments around the world. 

So, both Unicred and Sicredi offer exclusive benefits with rewards programs through the accumulation of points, in addition to the advantages of issuing brands. But, stay tuned! To order these products, you must first join the credit union of your choice.

Therefore, before making a decision, how about learning more about the characteristics of these two products and evaluating which is the best alternative to move your financial life? Check the table below and continue reading below!

Well, Unicred Gold is a credit card offered by the Unicred cooperative to its members. In this sense, before requesting yours, you must become a cooperative member and check the availability of the product through a financial analysis carried out by the agency you joined.

So, it is issued under the Visa flag and offers international coverage, which means more financial autonomy to make your purchases at establishments in Brazil and abroad. In addition, you have the brand's rewards program, Vai de Visa, in which you have discounts at several stores and restaurants that partner with the brand. By the way, Unicred also offers a rewards program with the accumulation of points per dollar spent on the card.

In addition, card management is done through an exclusive Unicred application. Through the app, you have access to all product features in a few clicks and can take advantage of services such as invoice consultation, payments, virtual cards and many others!

First, the Sicredi Gold card is a financial product available only to those who are members of the Sicredi credit union. Therefore, it is necessary to be a cooperative member before applying for yours and meet the agency's minimum requirements, such as having a clean name and a good relationship with the cooperative.

So, when applying for your card, you can choose between Visa and Mastercard flags. Both options offer international coverage and are accepted in millions of establishments in Brazil and abroad. Also, because it is in the Gold category, this product is ideal for those looking for travel assistance. 

In addition, Sicredi Gold has a rewards program that works by accumulating points for every dollar spent on the invoice and you can also participate in the brand's benefit programs, such as Mastercard Surpreenda or Vai de Visa. 

First of all, the Unicred Gold card is a great option for Unicred members looking for a practical product with technological integration. That's because in addition to offering an application with all the product's functionalities, you also have services such as disposable virtual cards for internet purchases, digital invoices and approximation payments.

In addition, you can register your card and participate in the Vai de Visa rewards program. When you make purchases with your Unicred Gold, you get discounts at partner establishments of the flag. Incidentally, the Gold flag also provides benefits such as purchase protection, price protection and extended warranty. 

And, we couldn't fail to mention the Único points program, from Unicred itself. With it, you earn 1 point for every dollar spent on invoices up to R$3,000.00, and 1.3 points per dollar on invoices above R$4,000.00. Among the rewards offered are cashback in account credits, miles in partner programs such as Smiles and TudoAzul, and hundreds of products on the program's website. 

Well, before we analyze whether the product is really worth it, we need to know all the advantages it has, right? And, with Sicredi Gold, there are many of them! Check it out below.

First of all, we can highlight the Sicredi rewards program, which offers one point for every dollar spent on the card, and you can exchange the accumulated points for hundreds of products on the cooperative's official website, in addition to cashback on your invoice and airline tickets. And, if you prefer, you can also transfer your points to partner miles programs, such as Smiles, LATAM Pass and TudoAzul. 

So, you still have the flags benefit programs: Mastercard Surpreenda and Vai de Visa. In addition to international travel assistance, they offer discounts at hundreds of partner establishments, also through the exchange of points accumulated on purchases.

Furthermore, Sicredi understands that financial unforeseen events happen, and offers four options for paying invoices so that you can organize yourself financially and avoid default. They are: total payment, minimum payment, installment of the invoice and down payment for financing. 

So, despite offering good benefits to its customers, the Unicred Gold card also has some negative aspects that must be taken into account. First, it is a product available only to Unicred members. Therefore, you first need to join the cooperative and then find out whether or not the card is available to you.

In addition, even offering an exclusive application for managing the product, the request must be made in person at the agency where you joined. This goes against the proposal of practicality offered by the card.

Furthermore, Unicred's website does not clearly provide essential information to the client, such as annuity fees and the minimum income required. This way it is difficult to know if the product is available for your financial profile before facing all the order bureaucracy. 

However, we know that all credit products have disadvantages when contracting. Therefore, it is very important to evaluate the negative aspects before requesting your card from the cooperative.

Firstly, Sicredi Gold is a product restricted to Sicredi members. Therefore, you must first go through the entire bureaucratic membership process before checking whether or not this product is available to you. 

In addition, the card belongs to the Gold line, which means that proof of minimum income is certainly required, but this information is not available on the official website of the institution. Therefore, being a Sicredi member does not guarantee that this product meets your financial profile. 

Well, now that you know all the characteristics of the products, it's easier to decide whether the Unicred Gold card or the Sicredi Gold card meet your financial needs, isn't it?

Both alternatives offer great advantages to customers, such as international coverage and exclusive benefit programs. So, to evaluate which option is best for you, carefully review the pros and cons of the product before ordering yours.

However, it is important to remember that to have access to the cards, you must first join Unicred or Sicredi, okay?

And, if you found the process too bureaucratic or if the cards don't offer what you're looking for, let's help you with other options! Therefore, check out the recommended content below and see what the PagSeguro card or the PagBank card can do for you!