{"id":30335,"date":"2021-08-22T12:01:00","date_gmt":"2021-08-22T12:01:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=30335"},"modified":"2021-08-22T01:29:56","modified_gmt":"2021-08-22T01:29:56","slug":"cartao-santander-123-ou-cartao-btg","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/es\/cartao-santander-123-ou-cartao-btg\/","title":{"rendered":"Tarjeta Santander 1 2 3 o Tarjeta BTG: \u00bfcu\u00e1l es mejor?"},"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-santander-1-2-3-x-btg-descubra-qual-escolher\">Santander 1 2 3 x BTG: descubra qual escolher<\/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 Santander 1 2 3 ou cart\u00e3o BTG: qual escolher? Fonte: Pxhere.\"  id=\"30348\" src=\"https:\/\/ucarecdn.com\/ead949df-1146-42ba-8b63-4e94752c0fed\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG: qual escolher? Fonte: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Afinal, entre o cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG, qual seria o ideal para seu perfil financeiro? Siga conosco no post e saiba tudo!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c0s vezes, demoramos para escolher um cart\u00e3o de cr\u00e9dito, j\u00e1 que as op\u00e7\u00f5es s\u00e3o parecidas. Ainda sim, existem cart\u00f5es de cr\u00e9dito que oferecem contas digitais com vantagens, como ac\u00famulo de pontos e possibilidade de investimentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Primeiramente, o banco BTG Pactual, que \u00e9 muito conhecido, decidiu atingir um outro p\u00fablico criando tr\u00eas tipos de cart\u00e3o de cr\u00e9dito, todos com o nome de BTG+. Portanto, \u00e9 indicado para quem est\u00e1 adaptado \u00e0s contas digitais e transa\u00e7\u00f5es por aproxima\u00e7\u00e3o, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bem como o cart\u00e3o citado acima, o cart\u00e3o Santander tem op\u00e7\u00f5es para todos perfis, mas o cart\u00e3o Santander 1 2 3 \u00e9 ideal para quem possui rendas n\u00e3o t\u00e3o altas e que procuram por chances de acumular pontos de uma maneira mais r\u00e1pida, comprando online e triplicando as chances de pontua\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, traremos mais detalhes desses cart\u00f5es de cr\u00e9dito a fim que voc\u00ea escolha o melhor para seu bolso, fazendo compras internacionais, acumulando pontos e, ainda, conseguindo investir seu dinheiro em contas digitais sem muitas taxas. Ent\u00e3o, acompanhe o post!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2qhJj2\">\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-santander-123-gold\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Santander 1 2 3 \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ed2eaa59-56fc-4c2b-93aa-ad1216e14ff2\/\" 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-santander-123-gold\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta Santander 1 2 3 \">\n            C\u00f3mo solicitar la tarjeta Santander 1 2 3         <\/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            Procura por um cart\u00e3o de cr\u00e9dito acess\u00edvel, com possibilidade de ac\u00famulo triplo de pontos e com zero anuidade? Conhe\u00e7a o cart\u00e3o Santander 1 2 3.        <\/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-santander-123-gold\/\"  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 ? 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-santander-123-gold\/\"  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\/ed2eaa59-56fc-4c2b-93aa-ad1216e14ff2\/\">          \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 la tarjeta Santander 1 2 3              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/como-solicitar-o-cartao-santander-123-gold\/\"  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-Z1LghTX\">\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-os-cartoes-de-credito-btg\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta BTG\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/5d3201f4-164e-41e8-b342-a75f84ae76f8\/\" 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-os-cartoes-de-credito-btg\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"C\u00f3mo solicitar la tarjeta BTG\">\n            C\u00f3mo solicitar la tarjeta BTG        <\/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            Um cart\u00e3o perfeito para quem quer come\u00e7ar a investir com seguran\u00e7a, al\u00e9m de zero anuidade e conta digital! Conhe\u00e7a o cart\u00e3o BTG.        <\/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-os-cartoes-de-credito-btg\/\"  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 ? 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-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\/5d3201f4-164e-41e8-b342-a75f84ae76f8\/\">          \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 la tarjeta BTG              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/es\/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                    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 is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>Tarjeta Santander 1 2 3<\/strong><\/td><td><strong>Tarjeta BTG<\/strong><\/td><\/tr><tr><td><strong>Renta M\u00ednima<\/strong><\/td><td>R$ 4,000.00<\/td><td>N\u00e3o exige na vers\u00e3o b\u00e1sica<\/td><\/tr><tr><td><strong>Anualidad<\/strong><\/td><td>12x R$ 35,50, (com possibilidade de desconto)<\/td><td>N\u00e3o cobrada na vers\u00e3o b\u00e1sica<\/td><\/tr><tr><td><strong>Bandera<\/strong><\/td><td>tarjeta MasterCard<\/td><td>tarjeta MasterCard<\/td><\/tr><tr><td><strong>Techo<\/strong><\/td><td>nacional o internacional<\/td><td>nacional o internacional<\/td><\/tr><tr><td><strong>Beneficios<\/strong><\/td><td>Compras em lojas f\u00edsicas geram um ponto, ganhe tr\u00eas em compras internacionais<br>Gastando mil reais por m\u00eas, pague metade da anuidade<br>Acumule pontos tamb\u00e9m nos programas Mastercard<\/td><td>Programa Invertir+<br>cero anualidad<br>pago de aproximaci\u00f3n<br>cuenta digital gratis<br>Parcele a fatura em at\u00e9 24x<br>Programa Sorpresa Mastercard<\/td><\/tr><\/tbody><\/table><figcaption>Pero al final, \u00bfcu\u00e1l elegir?<\/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-santander-1-2-3-\"><strong>Tarjeta Santander 1 2 3<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que existam cart\u00f5es similares, quem escolher o cart\u00e3o Santander 1 2 3 possui um dos programas mais vantajosos de ac\u00famulo de pontos, j\u00e1 que \u00e9 poss\u00edvel fazer apenas uma compra internacional e ter tr\u00eas pontos, acelerando o objetivo de quem procura.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim sendo, \u00e9 muito \u00fatil para quem costuma manter in\u00fameros programas de pontos, por exemplo. Dessa forma, o cart\u00e3o possui alguns detalhes, como exigir a renda m\u00ednima de R$ 4.000,00 e tamb\u00e9m o pagamento da anuidade mensal de R$ 35,50, com a chance de reduzir esse valor gastando mil reais por m\u00eas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, \u00e9 um cart\u00e3o acess\u00edvel que ainda oferece outros cinco cart\u00f5es adicionais sem qualquer valor cobrado, ademais, o cart\u00e3o Santander 1 2 3 possui um aplicativo para movimentar a conta banc\u00e1ria sem sair de casa, com a chance de poder compras com mais seguran\u00e7a.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, a compra estendida oferecida pelo cart\u00e3o de cr\u00e9dito te protege de estragos em equipamentos gra\u00e7as a garantias, que podem ser utilizadas em diversas compras na internet. Portanto, na hora de decidir entre o cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG leve em considera\u00e7\u00e3o sua renda e possibilidades.<\/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>Tarjeta BTG<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O BTG Pactual \u00e9 conhecido por ser uma grande institui\u00e7\u00e3o financeira de investimentos, e desde que as contas digitais se popularizaram, decidiu oferecer op\u00e7\u00f5es para seus clientes que se dividem entre a mais b\u00e1sica e a op\u00e7\u00e3o Black, que exige uma renda m\u00ednima de R$ 15 mil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Com toda certeza, \u00e9 \u00f3timo para quem procura por compras internacionais e costuma fazer assinaturas de servi\u00e7os de streaming, como Netflix e Amazon Prime.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, \u00e9 um banco muito interessante para investidores, j\u00e1 que existe o Invest+, ou seja, cada gasto que voc\u00ea tem no cart\u00e3o de cr\u00e9dito, parte do valor ser\u00e1 revertido para um fundo de renda fixa, que faz seu dinheiro render diariamente sem qualquer esfor\u00e7o, o que \u00e9 muito vantajoso, n\u00e3o \u00e9 mesmo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, a op\u00e7\u00e3o Black do cart\u00e3o de cr\u00e9dito BTG, com anuidade mensal de R$90,00, oferece muitas vantagens se voc\u00ea possui investimentos no banco que cheguem at\u00e9 R$ 300 mil, conseguindo at\u00e9 descontos em anuidades.<\/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-santander-1-2-3-\"><strong>\u00bfCu\u00e1les son las ventajas de la tarjeta Santander 1 2 3?<\/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=\"Afinal, quais as vantagens do cart\u00e3o? Fonte: Santander.\"  id=\"30379\" src=\"https:\/\/ucarecdn.com\/ddc56bee-f4b7-4f53-8bc9-3a7ba1df48e1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afinal, quais as vantagens do cart\u00e3o? Fonte: Santander.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Da mesma forma que voc\u00ea pode ter um cart\u00e3o de cr\u00e9dito com bom limite, o cart\u00e3o Santander 1 2 3 tamb\u00e9m \u00e9 ideal para acumular pontos e fazer a troca por milhas ou produtos, portanto, confira mais detalhes do cart\u00e3o Santander 1 2 3, a seguir.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>As compras internacionais, ainda que seja s\u00f3 uma, d\u00e1 a chance de obter tr\u00eas pontos de uma vez;<\/li><li>Gaste pelo menos mil reais por m\u00eas e pague apenas metade da anuidade;<\/li><li>Com os programas Mastercard, voc\u00ea pode acumular ainda mais pontos;<\/li><li>Estenda a seguran\u00e7a das compras com a garantia estendida;<\/li><li>N\u00e3o pague anuidade, se j\u00e1 \u00e9 cliente Santander Van Gogh.<\/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>\u00bfCu\u00e1les son las ventajas de la tarjeta BTG?<\/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=\"Conhe\u00e7a as vantagens do cart\u00e3o BTG. Fonte: BTG.\"  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\" >Conhe\u00e7a as vantagens do cart\u00e3o BTG. Fonte: BTG.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De fato, \u00e9 poss\u00edvel ter um cart\u00e3o de cr\u00e9dito BTG com rendas m\u00ednimas, mas ele tamb\u00e9m atende quem possui alta renda e, ainda, gosta de ter investimentos, por exemplo, j\u00e1 que o banco \u00e9 muito tradicional nesta \u00e1rea. Ademais, existem outras vantagens interessantes, como as descritas abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Tenha at\u00e9 0,75% de cashback no Invest+;<\/li><li>O Invest+ isenta o cliente de mensalidade quando h\u00e1 gastos de R$ 3.500,00;<\/li><li>Tenha coberturas em aeroportos, salvando sua bagagem em caso de perda;<\/li><li>Parte do valor gasto vira investimento;<\/li><li>N\u00e3o se preocupe com expira\u00e7\u00e3o, o valor sempre segue rendendo.<\/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-santander-1-2-3-\"><strong>\u00bfCu\u00e1les son las desventajas de la tarjeta Santander 1 2 3?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De tal forma que existem benef\u00edcios, a exig\u00eancia de renda m\u00ednima de R $4.000,00 pode ser considerada uma desvantagem. Al\u00e9m disso, somente gastando pelo menos mil reais voc\u00ea ter\u00e1 metade da anuidade, se n\u00e3o, ter\u00e1 um pagamento mensal de quase R$36,00 somente em anuidade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que seja \u00fatil para assinaturas de streamings, n\u00e3o \u00e9 indicado e nem aprovado para pessoas inadimplentes, por exemplo. Al\u00e9m disso, por mais que o ac\u00famulo de pontos seja acelerado, ele possui um limite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u00f3 para exemplificar, n\u00e3o h\u00e1 como superar os 500 pontos acumulados durantes as compras, j\u00e1 que o cart\u00e3o Santander 1 2 3 limita o ac\u00famulo de pontos para esta quantidade, ent\u00e3o por mais que voc\u00ea consiga mais, n\u00e3o ter\u00e1 al\u00e9m deste n\u00famero.<\/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>\u00bfCu\u00e1les son las desventajas de la tarjeta BTG?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainda que seja ideal para investidores, o cart\u00e3o BTG tem alguns aspectos que podem n\u00e3o ser interessantes, por exemplo, o Invest+. S\u00f3 para exemplificar, no cart\u00e3o na vers\u00e3o b\u00e1sica e na avan\u00e7ada voc\u00ea precisa pagar um valor adicional na anuidade para conseguir aproveitar esse benef\u00edcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, n\u00e3o espere que pela n\u00e3o exig\u00eancia de renda m\u00ednima, voc\u00ea n\u00e3o ter\u00e1 an\u00e1lise de cr\u00e9dito. Assim como outros cart\u00f5es de cr\u00e9dito, voc\u00ea passar\u00e1 por uma an\u00e1lise detalhada e existe uma demora para a aprova\u00e7\u00e3o, por isso, fique de olho quando fizer o pedido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, ainda que voc\u00ea tenha o nome limpo, um score baixo pode impedir a aprova\u00e7\u00e3o do cart\u00e3o de cr\u00e9dito mesmo na vers\u00e3o mais b\u00e1sica, por exemplo, o que pode trazer restri\u00e7\u00f5es para alguns casos.<\/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-santander-1-2-3-ou-cart%C3%A3o-btg-qual-escolher-\"><strong>Cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG: qual escolher?<\/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=\"Cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG: qual o melhor? Fonte: Pxhere.\"  id=\"30382\" src=\"https:\/\/ucarecdn.com\/6cec0686-1da1-4e0e-aa00-a12bf33ae21c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG: qual o melhor? Fonte: Pxhere.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De fato, a decis\u00e3o entre o cart\u00e3o Santander 1 2 3 ou cart\u00e3o BTG n\u00e3o \u00e9 f\u00e1cil, mas voc\u00ea poder\u00e1 escolher aquele que mais trar\u00e1 benef\u00edcios. Enquanto um oferece muitos pontos, o outro \u00e9 ideal para quem quer come\u00e7ar no mundo dos investimentos com orienta\u00e7\u00e3o.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ademais, se ainda n\u00e3o decidiu, n\u00e3o fique preocupado! Depois que voc\u00ea conferiu todos os detalhes, pode inserir outras op\u00e7\u00f5es no seu ranking clicando no conte\u00fado recomendado abaixo e conferindo mais um comparativo, ent\u00e3o continue lendo!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1kBO2P\">\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-ibicard-ou-cartao-havan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Ibicard ou cart\u00e3o Havan?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f94599e0-eb77-4432-a475-cc9abc5abdfe\/\" 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-ibicard-ou-cartao-havan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cart\u00e3o Ibicard ou cart\u00e3o Havan?\">\n            Cart\u00e3o Ibicard ou cart\u00e3o Havan?        <\/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            Entre um cart\u00e3o de cr\u00e9dito para negativados e outro que permite altos descontos e poucas taxas, al\u00e9m de parcelamento sem juros, qual seria o melhor para voc\u00ea? 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