{"id":32259,"date":"2021-08-30T12:01:00","date_gmt":"2021-08-30T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=32259"},"modified":"2021-08-30T09:52:21","modified_gmt":"2021-08-30T09:52:21","slug":"cartao-acesso-ou-cartao-btg","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/cartao-acesso-ou-cartao-btg\/","title":{"rendered":"Access Card or BTG+ Card: which one to choose?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-acesso-x-btg-descubra-qual-o-melhor\">Access x BTG+: find out which is better?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cart\u00e3o Acesso ou cart\u00e3o BTG+: qual o ideal? Fonte: Pxhere.\"  id=\"32261\" src=\"https:\/\/ucarecdn.com\/e976b8f5-3eac-4883-8d55-24cd39488078\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Access card or BTG+ card: which one is ideal? Source: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Although there are other options on the market, why not choose between the Acesso card or the BTG+ card?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Undeniably, those with a dirty name have reduced or almost zero chances of getting credit. However, there are safe and advantageous options for you to be able to buy on credit and without bureaucracy.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, prepaid cards and some digital accounts came up with these proposals, such as the Acesso digital account, which allows international purchases, does not check with the SPC or Serasa and charges few usage fees, which appear when the card is recharged.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>On the other hand, there are those who are not negative and are looking for different and safe options, such as the BTG+ account, from BTG Pactual. While many accounts only store your money, this one makes it work and even offers cashback between three card options.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Without further ado, let&#039;s make a more detailed comparison between the two options, which are basically ideal for those who want low rates and payment in the form of credit for streaming subscriptions or ride-hailing apps, for example. Let&#039;s go!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-y4LXC\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"How to apply for the Access card\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-o-cartao-de-credito-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"How to apply for the Access card\">\n            How to apply for the Access card        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            A credit card for negatives, without bureaucracy and that allows international purchases and low fees!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                How to apply for the Access card              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-oJxKY\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"How to apply for the BTG+ card\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/92180e15-8681-4da5-91e4-31738caacc1f\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-os-cartoes-de-credito-btg\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"How to apply for the BTG+ card\">\n            How to apply for the BTG+ card        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            A credit card for investors, with personalized cards and just a few minutes for approval!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/92180e15-8681-4da5-91e4-31738caacc1f\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                How to apply for the BTG+ card              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/como-solicitar-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Access Card<\/strong><\/td><td><strong>BTG+ card<\/strong><\/td><\/tr><tr><td><strong>Minimum Income<\/strong><\/td><td>not required<\/td><td>Not required in Basic Option<\/td><\/tr><tr><td><strong>Annuity<\/strong><\/td><td>12x of R$ 5.95<\/td><td>Free in the Basic Option<\/td><\/tr><tr><td><strong>Flag<\/strong><\/td><td>MasterCard<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Roof<\/strong><\/td><td>National and international<\/td><td>national or international<\/td><\/tr><tr><td><strong>Benefits<\/strong><\/td><td>Does not consult the SPC\/Serasa<br>No bank account required if you prefer<br>Pay little per annuity<br>Do not pay annuity when there is no balance<\/td><td>Invest+, the program that directs balance to investments<br>Digital account access<br>approximation payment<br>Invoices can be paid in up to 24 installments<br>Join Mastercard programs<\/td><\/tr><\/tbody><\/table><figcaption>But, after all, what is the ideal?<\/figcaption><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-cart%C3%A3o-acesso-\"><strong>Access Card<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Many people suffer without being able to use a credit card, others end up finding the solution in prepaid cards, such as the Acesso card, which is ideal for subscribing to streaming services such as Netflix and Amazon Prime.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>However, it is necessary to follow some rules to have access to the Acesso card, such as paying a monthly fee when recharged and to validate it you will pay a fee of R$100.00 and then you will be able to use it.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Although it has the credit modality, it is not possible to make purchases in installments with it, but any purchase on credit and also payments in international stores thanks to the Mastercard brand.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In addition, the Acesso card can be ordered on the website, where you can also check the rates and where you can purchase it in person, for example. Therefore, when deciding between the Acesso card or the BTG+ card, look at your needs and whether you have a high score.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-cart%C3%A3o-btg-\"><strong>BTG+ card<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>By chance, you&#039;ve already heard about the BTG Pactual bank, which has become one of the largest investment-focused banks in the country, thanks to customers who are also investors in the financial institution.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>However, it was necessary to reach other audiences, so the BTG+ digital account was created with three credit card options, ranging from the most basic to Black, which has a monthly income requirement of R$ 15 thousand.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In short, the most basic option is affordable and can start several people in the world of investments, as the amounts moved in the account automatically become part of a fixed income fund, that is, the bank itself invests for you.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Know that you can make purchases in stores abroad and in any other on the internet, or even physical stores, with large installments and low interest rates, so get to know the BTG+ card better by requesting it through the website and moving your account through the application.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-quais-as-vantagens-do-cart%C3%A3o-acesso-\"><strong>What are the advantages of the Access card?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba mais sobre o cart\u00e3o Acesso. Fonte: Acesso.\"  id=\"21252\" src=\"https:\/\/ucarecdn.com\/cba8a65a-5a39-460e-afed-944b46d05824\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Learn more about the Access card. Source: Access.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>While many cards require opening an account to use the digital version, this card can be used without any proof of income or credit analysis, just buy it. So, find out about other advantages of this prepaid option.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Netflix, Amazon Prime, Uber and iFood can be discounted here without bureaucracy;<\/li><li>Use the credit function for international purchases;<\/li><li>You do not need to send documents and make proofs to get the card;<\/li><li>No monthly bills, bought, paid with balance;<\/li><li>There is no consultation with the SPC\/Serasa and it can be purchased online.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-quais-as-vantagens-do-cart%C3%A3o-btg-\"><strong>What are the advantages of the BTG+ card?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba mais sobre o cart\u00e3o BTG+. Fonte: Melhores Destinos.\"  id=\"30153\" src=\"https:\/\/ucarecdn.com\/5d3201f4-164e-41e8-b342-a75f84ae76f8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Learn more about the BTG+ card. Source: Best Destinations.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As you use the BTG+ card, you accumulate more amounts to invest and also receive protection in specific situations, so follow these and other advantages of the BTG Pactual bank option below.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Basic option Mastercard Gold does not charge annuity;<\/li><li>Those who adhere to Invest+ do not pay an annuity if they spend R$ 3,500.00 monthly;<\/li><li>When you move the account, part of the value is transferred to a fixed income fund;<\/li><li>Value yields regardless of time;<\/li><li>Make unlimited transactions like transfers, payments and deposits.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-quais-as-desvantagens-do-cart%C3%A3o-acesso-\"><strong>What are the disadvantages of the Access card?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Firstly, the Acesso card does not allow purchases to be paid in installments and requires some extra expenses for its operation, such as the monthly payment of R$5.95 annuity and R$2.50 if top-ups are over five hundred reais.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In addition, there is also a fee when top-up is done by deposit, in addition, pay R$6.50 to access the credit function, not to mention the payment of R$ 100.00 just to activate the card. Remembering that this last amount can be used by you later on purchases.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finally, the Acesso card has many fees that need to be considered when ordering, as it is not difficult to find the physical version for purchases in stores.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"6-quais-as-desvantagens-do-cart%C3%A3o-btg-\"><strong>What are the disadvantages of the BTG+ card?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Although it is interesting to participate in Invest+, there is an important detail: if the money is stuck in the account, it does not earn, that is, you need to make bank transactions to access this benefit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Furthermore, even though it has more basic versions, the BTG+ card performs a thorough credit analysis, searching your data at known credit bureaus, such as SPC\/Serasa, which may prevent some accesses.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, to take advantage of all the benefits of the credit card, mainly related to investment, it is necessary to have a minimum income for the Black version, which can be difficult for some cases, right?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-cart%C3%A3o-acesso-ou-cart%C3%A3o-btg-qual-escolher-\"><strong>Access Card or BTG+ Card: which one to choose?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Mas, como decidir entre um deles? Fonte: Pexels.\"  id=\"32146\" src=\"https:\/\/ucarecdn.com\/a1f7f4ed-7d17-4353-80b6-064fcc90a742\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >But, how to decide between one of them? Source: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, what will be your decision, the Acesso card or the BTG+ card?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Previously, you had details about the two options that are ideal for purchases in the credit mode, one for those who are negative and the other for those who are thinking of moving forward, that is, starting with investments.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In order for it to be the best option, observe the financial conditions and how credit cards can handle your case before placing the order, so that there are no credit attempts denied, right?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Even so, don&#039;t worry if you haven&#039;t decided on the ideal credit card. While you were reading this comparison, our team was preparing another one with options without annuity, with credit and low fees, not forgetting international purchases. 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Therefore, read this comparison and decide between the Acesso card or the BTG+ card!<\/p>","protected":false},"author":19,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[385,1254,179,198,287],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cart\u00e3o Acesso ou Cart\u00e3o BTG+: qual escolher? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Enquanto uma das op\u00e7\u00f5es \u00e9 ideal para negativados, a outra foi feita para investidores, portanto, decida entre o cart\u00e3o Acesso ou cart\u00e3o BTG+!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/en\/cartao-acesso-ou-cartao-btg\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cart\u00e3o Acesso ou Cart\u00e3o BTG+: qual escolher?\" \/>\n<meta property=\"og:description\" content=\"Enquanto uma das op\u00e7\u00f5es \u00e9 ideal para negativados, a outra foi feita para investidores, portanto, decida entre o cart\u00e3o Acesso ou cart\u00e3o BTG+!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/en\/cartao-acesso-ou-cartao-btg\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-30T12:01:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-08-30T09:52:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ucarecdn.com\/e976b8f5-3eac-4883-8d55-24cd39488078\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tathiane Mantovani\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/senhorpanda.com\/cartao-acesso-ou-cartao-btg\/#primaryimage\",\"url\":\"https:\/\/ucarecdn.com\/e976b8f5-3eac-4883-8d55-24cd39488078\/\",\"contentUrl\":\"https:\/\/ucarecdn.com\/e976b8f5-3eac-4883-8d55-24cd39488078\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/cartao-acesso-ou-cartao-btg\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/cartao-acesso-ou-cartao-btg\/\",\"name\":\"Cart\u00e3o Acesso ou Cart\u00e3o BTG+: qual escolher? 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