Undoubtedly, the credit card is a great financial ally when used correctly, as it provides the customer with greater purchasing power and flexibility to make payments. In this sense, the Unicred Gold card and the Zencard card, even with different characteristics, are good alternatives for those seeking financial freedom and exclusive benefits.

So, both cards offer international coverage and you also have the loyalty programs of the issuing flags. Although they work in different ways, they are safe options with good credibility in the financial market.

Therefore, how about learning more about its main characteristics and evaluating which of the two products is ideal for you? Check the table below and continue reading below!

First, the Unicred Gold card is a product offered exclusively to members of the Unicred credit union. So, it has the Visa flag and has international coverage. That way, you can use your card in millions of physical and virtual establishments around the world.

To request yours, you must appear in person at a cooperative agency. Then, a credit analysis is carried out that takes into account your financial history and your relationship with Unicred. 

All card management is done through an exclusive application, and from there, you have access to all available features. That is, you can consult invoices, generate virtual cards, view recent purchases and make payments. All this in a few minutes and in the comfort of your home.

So, the Zencard card works in prepaid mode and has international Mastercard coverage. In order to offer financial solutions to all people, the institution responsible for the product does not consult credit protection agencies. Thus, it is a great alternative for those looking for a credit card, but cannot be approved due to restrictions on the name.

To get your Zencard, you have to pay a membership fee of R$21.90 for making the plastic. In addition, a monthly fee of R$7.90 per month is charged, and the card offers a series of other services for a fee. Therefore, it is important to pay attention to the use so as not to be taken by surprise with these rates. 

The request is made through the official website, but there are also stores authorized by Zencard to offer the product to their customers. To use the card, it is necessary to recharge the desired amount, which can be through a bank slip generated in the application or in a lottery. 

Well then, the Unicred Gold card is an excellent card for anyone looking for a practical and easy-to-use product. In this sense, you have access to an exclusive application to manage all the features it offers, and also have services such as approximation payments, disposable virtual cards, informative SMS on transactions made, digital invoice and much more!

In addition, Unicred Gold customers participate in the Unique Rewards Program. With it, you accumulate points when you make purchases in dollars and can exchange the accumulated points for various products and services available in the Unicred catalog, in addition to cashback, contributions to the Pension Plan and redemption of airline tickets.

As if that weren't enough, you can also be part of the Vai de Visa program. With it, you get special discounts at thousands of Visa partner stores and restaurants. In addition, you have access to other benefits such as Original Extended Warranty Insurance, Purchase Protection and Price Protection.

First, the most attractive advantage of the Zencard card is certainly the financial control. In that sense, a prepaid card offers more peace of mind because you don't have to worry about your credit limit. That's because the value available is the value you carry, and that makes you use the product with greater discernment. 

In addition, Zencard is available even for those with name restrictions. As the company does not carry out any credit analysis with the credit protection bodies, you have a great chance of getting the card even if it is negative!

In addition, the Zencard card offers international coverage, and you can be part of the Mastercard Surprise rewards program. With it, you accumulate points when making purchases and can exchange the accumulated points for exclusive discounts at several partner establishments of the brand.

We can highlight as a negative point the fact that there is not much information about the minimum requirements to obtain this card on Unicred's official website. Knowing about minimum income, annuity and other fees is essential for the customer to understand whether or not the product is available to him.

In addition, Unicred Gold is a card offered only to members of the Unicred credit union. That way, you can only request yours if you are a member and have a good relationship with your agency. This ends up making access to the product difficult for people looking for a card with these characteristics.

Undoubtedly, the main negative aspect of Zencard is the charging of various fees and charges, from membership to plastic maintenance. Firstly, when purchasing the card you need to pay an acquisition fee of R$21.90. So, a monthly fee of R$7.90 is charged, with no possibility of exemption, and almost all services offered by the company are charged. 

For example, when recharging an amount through a bank slip, it is necessary to pay R$3.00 per operation. Recharging at lottery outlets costs R$4.00 to the customer. Checking the balance via SMS also costs R$0.25 per query.

In addition, as it is a prepaid card, it is not possible to pay your purchases in installments. This restricts your purchasing power and you can only use the product in the cash credit function. 

Well, before deciding which card to choose, you must first assess what benefits you are looking for when purchasing the product. The Unicred Gold card and the Zencard card offer advantages that should be carefully analyzed before hiring.

In this sense, a prepaid card is a good alternative for those who want to control their expenses without worrying about the credit limit. If that's your case, the Zencard card is the best option for you!

But if you are a Unicred member and want a robust product that offers benefits through the accumulation of points, then Unicred Gold is undoubtedly the ideal solution for your financial life.

The most important thing is to analyze all the pros and cons of the two products to understand what they can do for you, and only then hire the service. 

But, if you are not sure whether the Unicred Gold card or the Zencard card are the best options for you, no problem! Check out our recommended content below with another card comparison and discover new possibilities!