{"id":28567,"date":"2021-08-15T12:00:00","date_gmt":"2021-08-15T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=28567"},"modified":"2021-08-14T19:56:32","modified_gmt":"2021-08-14T19:56:32","slug":"cartao-ourocard-universitario-ou-cartao-acesso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-ourocard-universitario-ou-cartao-acesso\/","title":{"rendered":"Tarjeta Ourocard Universit\u00e1rio o Tarjeta de Acceso: \u00bfcu\u00e1l elegir?"},"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-ourocard-universit%C3%A1rio-x-acesso-descubra-qual-escolher\">Ourocard Universit\u00e1rio x Access: descubre cu\u00e1l elegir<\/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 Ourocard Universit\u00e1rio ou cart\u00e3o Acesso? Fonte: Pexels.\"  id=\"28568\" src=\"https:\/\/ucarecdn.com\/adb98eac-e9cb-4984-a824-8b5095e0b413\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00bfTarjeta Ourocard Universit\u00e1rio o tarjeta Access? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si tienes dudas entre la tarjeta Ourocard Universit\u00e1rio o la tarjeta Acesso, \u00a1ya no te preocupes! Hoy vamos a hablar m\u00e1s sobre estos dos productos financieros para que puedas elegir cu\u00e1l se adapta mejor a tus necesidades.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, aunque ambas tarjetas tienen cobertura internacional, cada una tiene una marca diferente. Adem\u00e1s, la tarjeta Ourocard Universit\u00e1rio tiene un p\u00fablico espec\u00edfico, mientras que la tarjeta Access es una gran opci\u00f3n para quienes quieren controlar sus gastos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, siga leyendo para conocer los pros y los contras de cada producto financiero y decidir cu\u00e1l es mejor para usted. \u00bfVamos all\u00e1?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZHFcFF\">\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\/es\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar una tarjeta Ourocard Universit\u00e1rio\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\" 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\/es\/como-solicitar-o-cartao-ourocard-universitario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar una tarjeta Ourocard Universit\u00e1rio\">\n            C\u00f3mo solicitar una tarjeta Ourocard Universit\u00e1rio        <\/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            La tarjeta Ourocard Universit\u00e1rio es una alternativa para estudiantes de pregrado. Renuncia a la prueba de ingresos y ofrece anualidad gratuita. \u00a1Mira c\u00f3mo hacer un pedido!        <\/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\/es\/como-solicitar-o-cartao-ourocard-universitario\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <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); 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} 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\/es\/como-solicitar-o-cartao-ourocard-universitario\/\"  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\/6ebce0da-e664-4ed5-90c6-b201ff88a841\/\">          \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                C\u00f3mo solicitar una tarjeta Ourocard Universit\u00e1rio              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-ourocard-universitario\/\"  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                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio web.              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1Utisn\">\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\/es\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar una tarjeta de cr\u00e9dito\">\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\/es\/como-solicitar-o-cartao-de-credito-acesso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar una tarjeta de cr\u00e9dito\">\n            C\u00f3mo solicitar una tarjeta de cr\u00e9dito        <\/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            Solicitar tu tarjeta de cr\u00e9dito Access es muy f\u00e1cil y sencillo. \u00a1Mira c\u00f3mo funciona!        <\/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\/es\/como-solicitar-o-cartao-de-credito-acesso\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <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); 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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\/es\/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                C\u00f3mo solicitar una tarjeta de cr\u00e9dito              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/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                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio web.              <\/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\"><table><tbody><tr><td><\/td><td><strong>Ourocard Universit\u00e1rio<\/strong><\/td><td><strong>Acceso<\/strong><\/td><\/tr><tr><td><strong>renta minima&nbsp;<\/strong><strong><\/strong><\/td><td>no requerido<\/td><td>no requerido<\/td><\/tr><tr><td><strong>Anualidad<\/strong><strong><\/strong><\/td><td>Sin anualidad<\/td><td>R$ 5.95 por mes<\/td><\/tr><tr><td><strong>Bandera<\/strong><strong><\/strong><\/td><td>Visa<\/td><td>tarjeta MasterCard<\/td><\/tr><tr><td><strong>Techo<\/strong><strong><\/strong><\/td><td>Internacional<\/td><td>Internacional<\/td><\/tr><tr><td><strong>Beneficios&nbsp;<\/strong><strong><\/strong><\/td><td>L\u00edmite preaprobado de R$ 1.500,00, pago sin contacto<\/td><td>Sin consulta con SPC o Serasa, exenci\u00f3n de la renta vitalicia cuando no hay saldo<\/td><\/tr><\/tbody><\/table><figcaption>Pero, al fin y al cabo, \u00bfcu\u00e1les son sus principales caracter\u00edsticas?<\/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-ourocard-universit%C3%A1rio\">Tarjeta Universitaria Ourocard<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin duda, la tarjeta es una buena opci\u00f3n para quienes buscan m\u00e1s autonom\u00eda financiera. Por eso, pensando en la poblaci\u00f3n estudiantil, el Banco do Brasil lanz\u00f3 la tarjeta Ourocard Universit\u00e1rio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, si est\u00e1s estudiando educaci\u00f3n superior y tienes entre 16 y 28 a\u00f1os, la tarjeta puede ser una incre\u00edble oportunidad para que te hagas cargo de tus finanzas de una manera pr\u00e1ctica y sencilla.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, si es menor de 18 a\u00f1os, deber\u00e1 pedir permiso a su tutor legal para realizar la solicitud.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora bien, sobre las principales caracter\u00edsticas de la tarjeta, podemos mencionar su cobertura internacional y la marca Visa. De esta manera, podr\u00e1s comprar en Brasil y en el mundo mucho m\u00e1s f\u00e1cilmente, adem\u00e1s de poder comprar presencialmente y en tiendas online. Adem\u00e1s, la marca te permite participar en el programa Vai de Visa para recibir descuentos especiales en varios establecimientos asociados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, el Banco do Brasil sabe que muchos estudiantes todav\u00eda no pueden trabajar a causa de sus estudios. Por lo tanto, no es necesario acreditar ingresos y la tarjeta tampoco tiene cuota anual. Entonces, esta es una gran oportunidad para tener m\u00e1s libertad financiera, \u00bfverdad?<\/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-acesso\">Tarjeta de acceso<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues la tarjeta Access es una opci\u00f3n interesante para quienes quieren mantener el control de sus finanzas y no gastar de m\u00e1s. Esto se debe a que funciona en modo prepago y solo gastas el monto disponible en el saldo de tu cuenta. Por lo tanto, para utilizar la tarjeta, primero debes recargarla.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, recargar tu tarjeta es muy f\u00e1cil y puedes hacerlo de varias formas, como comprobante bancario, transferencia, ingreso en cuenta e incluso en establecimientos acreditados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra caracter\u00edstica de la tarjeta es que tiene cobertura internacional para que puedas realizar compras en tiendas f\u00edsicas y online, tanto en Brasil como en el exterior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tienes dos versiones de tarjeta: f\u00edsica y virtual. Esto hace que tus compras sean mucho m\u00e1s pr\u00e1cticas, adem\u00e1s de poder realizar suscripciones y pagos a servicios como Netflix y Uber.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por \u00faltimo, puedes solicitar el producto financiero aunque sea negativo, ya que no se consulta a las agencias de protecci\u00f3n de cr\u00e9dito. Entonces, la tarjeta es una excelente manera de cuidar tus finanzas, \u00bfno crees?<\/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-ourocard-universit%C3%A1rio\">\u00bfCu\u00e1les son las ventajas de la tarjeta Ourocard Universit\u00e1rio?<\/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=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28971\" src=\"https:\/\/ucarecdn.com\/04545aa6-2aaf-4645-a907-481f2cec2830\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Entonces, \u00bfcu\u00e1les son sus ventajas? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, hablemos ahora de las principales ventajas de cada tarjeta para que puedas decidir cu\u00e1l se adapta mejor a tu vida financiera.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues la tarjeta Ourocard Universit\u00e1rio es una herramienta muy interesante para que los j\u00f3venes estudiantes de educaci\u00f3n superior controlen sus finanzas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, la tarjeta ya viene con un l\u00edmite preaprobado de R$ 1.500,00. De esta manera podr\u00e1s utilizarlo seg\u00fan tus necesidades. Pero recuerda mantener tus gastos bajo control y tener siempre una buena planificaci\u00f3n financiera para evitar correr el riesgo de generar deuda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, el Banco do Brasil es un importante patrocinador de eventos culturales, deportivos y de entretenimiento, \u00bfno es as\u00ed? \u00a1Para que sus clientes no se queden fuera! Por ello, podr\u00e1s disfrutar de descuentos y promociones exclusivas en varios de estos eventos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra ventaja de la tarjeta es la tecnolog\u00eda de pago sin contacto. As\u00ed, para completar tus compras, simplemente acerca tu tarjeta o pulsera Ourocard a la m\u00e1quina y \u00a1listo! Esto hace que la operaci\u00f3n sea mucho m\u00e1s segura, ya que no es necesario utilizar contrase\u00f1a.<\/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=\"4-quais-as-vantagens-do-cart%C3%A3o-acesso\">\u00bfCu\u00e1les son las ventajas de la tarjeta Access?<\/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=\"Ent\u00e3o, quais s\u00e3o as suas vantagens? Fonte: Pexels.\"  id=\"28974\" src=\"https:\/\/ucarecdn.com\/93c62dd0-4bef-47ab-bad6-766e23a9c14d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Entonces, \u00bfcu\u00e1les son sus ventajas? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora bien, respecto a los puntos positivos de la tarjeta Access, podemos mencionar que no necesitas ser titular de una cuenta bancaria para solicitar la tuya. De esta manera podr\u00e1s disfrutar de todos sus beneficios sin tener que preocuparte por abrir una cuenta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, \u00a1es muy f\u00e1cil pedir el tuyo! As\u00ed, tienes dos opciones de compra: a trav\u00e9s de la web oficial o en tiendas y mercados acreditados. Es muy pr\u00e1ctico \u00bfno?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, la cuota de mantenimiento mensual de tu tarjeta s\u00f3lo se cobra si tienes saldo. De esta manera, no tendr\u00e1s que preocuparte por tener una cuenta negativa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, la tarjeta cuenta con la marca Mastercard, la cual ofrece varios beneficios a sus clientes. As\u00ed, podr\u00e1s utilizar tu tarjeta en miles de establecimientos acreditados en todo el mundo, adem\u00e1s de participar en el programa de recompensas Mastercard Surpreenda.<\/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=\"5-quais-as-desvantagens-do-cart%C3%A3o-ourocard-universit%C3%A1rio\">\u00bfCu\u00e1les son las desventajas de la tarjeta Ourocard Universit\u00e1rio?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues bien, como ya mencionamos, la tarjeta tiene establecidas algunas restricciones para sus clientes. Por lo tanto, s\u00f3lo podr\u00e1s solicitar tu producto financiero si tienes entre 16 y 28 a\u00f1os y est\u00e1s matriculado en un curso de nivel superior.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, si ya no cumple con estos requisitos, el Banco do Brasil podr\u00e1 cambiar su tarjeta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, aunque el pago sin contacto con la pulsera Ourocard es una forma muy pr\u00e1ctica de realizar tus compras, tendr\u00e1s que pagar una tarifa de R$ 40,00 para comprar la tuya. Sin embargo, es opcional y puedes seguir usando la tecnolog\u00eda normalmente solo con la tarjeta.<\/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-acesso\">\u00bfCu\u00e1les son las desventajas de la tarjeta Access?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues bien, uno de los puntos negativos de la tarjeta es que existen algunas comisiones por realizar determinadas operaciones. Por ejemplo, en recargas inferiores a R$ 500,00, la tarifa de servicio es R$ 2,50. Si el importe es superior la recarga es gratuita.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, la tarjeta cobra una tarifa mensual de R$ 5,95. Pero, como ya mencionamos, es necesario tener saldo para el monto a deducir. De esta manera, nunca terminar\u00e1s con una cuenta negativa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, no podr\u00e1s pagar a plazos tus compras. Esto se debe a que la tarjeta es prepago y no permite este tipo de operaciones.<\/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-ourocard-universit%C3%A1rio-ou-cart%C3%A3o-acesso-qual-escolher\">Tarjeta Ourocard Universit\u00e1rio o tarjeta Access: \u00bfcu\u00e1l elegir?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora que sabes m\u00e1s sobre las dos cartas, es m\u00e1s f\u00e1cil tomar una decisi\u00f3n, \u00bfverdad? \u00bfTarjeta Ourocard Universit\u00e1rio o tarjeta Access?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, para solicitar la tarjeta Ourocard Universit\u00e1rio es necesario estar cursando estudios de educaci\u00f3n superior, adem\u00e1s de tener entre 16 y 28 a\u00f1os. Y si entras en esta categor\u00eda, la tarjeta est\u00e1 llena de ventajas, como pago sin contacto y l\u00edmite preaprobado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La tarjeta Access es perfecta para quienes quieren controlar sus gastos, ya que necesitas tener saldo en tu cuenta para poder utilizarla. Sin embargo, no es la mejor opci\u00f3n para quienes quieren realizar compras a plazos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, eval\u00fae cuidadosamente cada tarjeta para elegir la m\u00e1s adecuada a sus necesidades financieras actuales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero, si has llegado hasta aqu\u00ed y a\u00fan tienes preguntas, \u00a1podemos ayudarte! Entonces, consulte nuestro contenido recomendado a continuaci\u00f3n con una comparaci\u00f3n de dos tarjetas incre\u00edbles m\u00e1s disponibles en el mercado.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1dpNu3\">\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\/es\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfTarjeta Renner o tarjeta Polishop?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3ef75870-1b79-4cdc-8cbb-e423e5471485\/\" 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\/es\/cartao-renner-ou-cartao-polishop-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfTarjeta Renner o tarjeta Polishop?\">\n            \u00bfTarjeta Renner o tarjeta Polishop?        <\/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            Tarjeta Renner o tarjeta Polishop: conoce todo sobre estas dos tarjetas con descuentos exclusivos en compras en tiendas f\u00edsicas y online.        <\/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\/es\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <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 ? 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             <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/cartao-renner-ou-cartao-polishop-qual-escolher\/\"  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                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio web.              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ya sea la tarjeta Ourocard Universit\u00e1rio o la tarjeta Acesso, ambas tienen cobertura internacional y no requieren comprobante de ingresos. \u00a1Compara aqu\u00ed!<\/p>","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25],"tags":[385,1423,425,285],"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 Ourocard Universit\u00e1rio ou Cart\u00e3o Acesso: qual escolher? 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