There are numerous credit cards available in the market. However, how about knowing details and deciding between the Zencard card or the Nubank Ultraviolet card? First, both cards are low cost.

Secondly, only the Nubank option consults the SPC and Serasa. That is, Zencard customers make the request even though they are negative. By the way, the card has an international flag. So use it for online shopping or any foreign store.

On the other hand, the Nubank Ultraviolet card is a more advanced version of the traditional purple card. However, the request depends on an invitation. Furthermore, it is a Black version.

Without further ado, check out the comparison between the two. Surely, one of them will fit your needs! So let's get to the information.

The Zencard card is prepaid and has an international flag. That is, you need to top up to use the credit function. However, it is beneficial for negatives, who ask for the card and do not undergo a credit analysis.

In addition, purchases cannot be paid in installments. Therefore, each purchase is paid in cash with discounts on the digital account.

So, take advantage of this Mastercard credit card to pay for Spotify, Uber and Netflix even with CPF restrictions. On the other hand, recharge your credit through the card's new partnership with Credluz. Incidentally, the company provides credit for negatives.

In addition, the customer also has a digital account and makes all the most important transactions free of charge. Finally, the Zencard application is made online and the card arrives at your home. After that, unlock the site.

Finally, if you happen to need the money used in the recharge, withdraw it in several options. Among them, the Cirrus network, lottery shops and CAIXA AQUI representatives. However, fees are charged for transactions.

Certainly, the Nubank card is known for having the first facilities of a digital bank. So, it came up with a free annual fee, a dynamic application and a virtual card. That is, it is a version for online payment in thousands of establishments that accept the Mastercard brand.

On the other hand, there are advanced versions of roxinho, such as Nubank Ultraviolet, for example. In short, you need to sign up for an interest list to wait for approval. Usually, customers who already have the basic version guarantee a less time-consuming analysis. 

Therefore, this card is premium and has the Mastercard Black flag. So, the monthly fee of R$ 49.00 guarantees some benefits, such as access to the VIP lounge at airports, health insurance for travel and much more!

In addition, account handling is done through the application, where you can track invoices and take advantage of benefits such as cashback. That is, each purchase has a return of 1%, with a monthly income greater than savings.

Finally, there are numerous advantages of this option, which we detail further below. So, before ordering the preferred one, learn about the specific benefits of each option!

The main advantage of this option is access to the credit modality for negative people. On the other hand, it can be the solution for those looking for an unrestricted loan. In fact, the recent partnership with Credluz made this access possible.

That is, even negative, you will undergo credit analysis. The money goes into your Zencard digital account. In addition, the installments are deducted from your electricity bill. So, this is an excellent option for those who need quick cash and want long-term repayment.

We also highlight that Zencard has a business account, which even allows transfers to employees without high fees. In addition, to a points club to guarantee discounts on partners, for example.

In short, this is a prepaid card that has few fees and gives negative customers the chance to pay bills, in addition to streaming services. So order yours without leaving home and refill for use!

First, know that the Ultravioleta customer takes advantage of a card with a unique design, in metal. On the other hand, there is a cashback of 1% for each purchase that yields 200% of the CDI. Also, the value does not expire.

During use, enjoy the Mastercard Black flag, which offers health insurance and travel protection. Also, wait for flights in waiting rooms and exclusive VIP rooms, only consulting the one available for the model.

Furthermore, there is no account and card information printed on the plastic, to be a more secure option. As it is an exclusive card, the customer waits on an interest list for approval.

In addition, the card's monthly fee may be exempt if you spend at least R$ 5,000 on the bill per month or, even, if you save or invest at least R$ 150,000 in the bank.

Finally, this card is advantageous for Nubank customers who have had basic versions for a long time. Without leaving home, you request Ultravioleta and send the necessary information through the application.

Although it has numerous advantages, the Zencard prepaid card does not have ways to pay for purchases in installments, for example. In addition, there are numerous fees that make card maintenance expensive.

On each withdrawal you will pay R$ 6.90. During top-ups, pay R$ 3.00 for a ticket and R$ 4.00 for inserting money at lottery outlets. Finally, prepare your pocket to pay R$7.90 monthly to use the card and up to R$1.50 for transfers between prepaid cards.

Certainly, having to wait on a waiting list to secure the card is not advantageous. Furthermore, the required monthly fee is high for some budgets, as it is R$ 49.00.

This is because it has a Mastercard Black flag, so be aware that there will be a rigorous credit analysis, in addition to proof of income, which must be higher than normal.

In short, you only get rid of the monthly fee if you have high expenses or investments in the bank. Finally, there is also an issue with cashback, which will only pay off after 12 months of cash back!

So, did the information help you decide between the Zencard card or the Nubank Ultraviolet card?

In short, one is aimed at negative customers who want to buy on credit. On the other hand, the Nubank option is for higher incomes and people who want travel benefits. So, know that in the first option there is no credit analysis and proof of income, while the second one does.

Therefore, observe the CPF situation and financial needs to choose the preferred one. By the way, don't worry if the decision hasn't been made. Certainly, the recommended content below will help you with another interesting comparison!