{"id":40327,"date":"2021-11-10T12:00:00","date_gmt":"2021-11-10T12:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=40327"},"modified":"2021-11-10T11:17:50","modified_gmt":"2021-11-10T11:17:50","slug":"americanas-ou-zencard","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/americanas-ou-zencard\/","title":{"rendered":"Cardul Americanas sau Cardul Zencard: care este mai bun?"},"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-americanas-x-zencard-descubra-qual-escolher-\"><strong>Americanas x Zencard: afl\u0103 pe care s\u0103 o alegi<\/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, afinal, cart\u00e3o Americanas ou cart\u00e3o Zencard? Fonte: Pexels.\"  id=\"40328\" src=\"https:\/\/cdn.adtechpanda.com\/73b5a0fd-94dd-4876-a86a-4a63d00d8cfa\/-\/crop\/1880x1082\/0,171\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, la urma urmei, card Americanas sau card Zencard? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, cardul Americanas sau cardul Zencard sunt dou\u0103 op\u021biuni bune pentru oricine caut\u0103 un produs de credit avantajos pentru a-\u0219i cre\u0219te capacitatea financiar\u0103. \u00cen acest sens, ambele ofer\u0103 brandul Mastercard \u0219i v\u0103 ofer\u0103 beneficiile programului de fidelitate Mastercard Surpreenda.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar care dintre cele dou\u0103 c\u0103r\u021bi este mai bun\u0103? A\u0219adar, asta vom afla \u00een aceast\u0103 compara\u021bie special\u0103 pe care v-am adus-o. Cu acesta, este posibil s\u0103 r\u0103m\u00e2ne\u021bi \u00een fruntea principalelor caracteristici ale produselor, pe l\u00e2ng\u0103 avantajele \u0219i dezavantajele fiec\u0103rui card. Astfel, evaluezi care se potrive\u0219te cel mai bine nevoilor tale financiare \u0219i \u00ee\u021bi \u00eembun\u0103t\u0103\u021be\u0219te puterea de cump\u0103rare!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, continu\u0103 s\u0103 cite\u0219ti pentru a afla totul despre cardul Americanas sau cardul Zencard.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-80exz\">\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\/ro\/como-solicitar-o-cartao-americanas\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Americanas\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/e2df77f1-55fe-481e-bb46-522a7bce4b8c\/\" 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\/ro\/como-solicitar-o-cartao-americanas\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Americanas\">\n            Cum s\u0103 aplici pentru cardul Americanas        <\/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            C\u00e2nd aplica\u021bi pentru cardul Americanas, profita\u021bi de programul exclusiv de puncte \u0219i de analiza sa facilitat\u0103 de credit. Citi\u021bi aceast\u0103 postare \u0219i afla\u021bi cum s\u0103 aplica\u021bi.        <\/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\/ro\/como-solicitar-o-cartao-americanas\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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\/ro\/como-solicitar-o-cartao-americanas\/\"  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\/e2df77f1-55fe-481e-bb46-522a7bce4b8c\/\">          \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                Cum s\u0103 aplici pentru cardul Americanas              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-americanas\/\"  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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-D63aY\">\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\/ro\/como-solicitar-o-cartao-zencard\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Zencard\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/3b073469-582d-4804-adae-a00c9f3f1590\/\" 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\/ro\/como-solicitar-o-cartao-zencard\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum s\u0103 aplici pentru cardul Zencard\">\n            Cum s\u0103 aplici pentru cardul Zencard        <\/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            Ce zici de un card de credit bun pentru a-\u021bi face cump\u0103r\u0103turile \u0219i c\u0103l\u0103toriile? A\u0219adar, vede\u021bi cum s\u0103 solicita\u021bi cardul Zencard chiar acum.\n        <\/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\/ro\/como-solicitar-o-cartao-zencard\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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\/ro\/como-solicitar-o-cartao-zencard\/\"  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\/3b073469-582d-4804-adae-a00c9f3f1590\/\">          \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                Cum s\u0103 aplici pentru cardul Zencard              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/como-solicitar-o-cartao-zencard\/\"  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                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/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>Cardul Americanilor<\/strong><\/td><td><strong>Card Zencard<\/strong><\/td><\/tr><tr><td><strong>Venit minim<\/strong><\/td><td>Salariu minim<\/td><td>neinformat<\/td><\/tr><tr><td><strong>Anuitate<\/strong><\/td><td>12x din R$ 15,70<\/td><td>12x din R$ 7,90<\/td><\/tr><tr><td><strong>Steag<\/strong><\/td><td>MasterCard<\/td><td>MasterCard<\/td><\/tr><tr><td><strong>Acoperi\u015f<\/strong><\/td><td>Na\u0163ional<\/td><td>Interna\u0163ional<\/td><\/tr><tr><td><strong>Beneficii<\/strong><\/td><td>Reduceri exclusive;<br>Programul de puncte.<\/td><td>Club de reduceri;<br>Programul surpriz\u0103 Mastercard.<\/td><\/tr><\/tbody><\/table><figcaption>Dar care sunt caracteristicile cardurilor?<\/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-americanas-\"><strong>Cardul Americanilor<\/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=\"Ent\u00e3o, como funciona o cart\u00e3o Americanas? Fonte: Americanas.\"  id=\"40329\" src=\"https:\/\/cdn.adtechpanda.com\/7ce09585-5f2b-4e3d-9947-441c09f005fa\/-\/crop\/960x819\/0,74\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Deci, cum func\u021bioneaz\u0103 cardul Americanas? Sursa: Americanas.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, cardul Americanas este emis \u00een parteneriat cu banca Cetelem \u0219i ofer\u0103 ast\u0103zi brandul Mastercard clien\u021bilor s\u0103i. Deci, de\u0219i este un card de magazin, are acoperire na\u021bional\u0103 \u0219i este acceptat la orice unitate comercial\u0103 acreditat\u0103 cu Mastercard.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, produsul ofer\u0103 mai multe avantaje, mai ales pentru cei care fac cump\u0103r\u0103turi frecvent la Lojas Americanas. Asta pentru c\u0103, odat\u0103 cu acesta, ai acces la mai multe beneficii, precum reduceri \u0219i oferte exclusive, pe l\u00e2ng\u0103 o limit\u0103 suplimentar\u0103 pentru achizi\u021biile \u00een magazin \u00een rate.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, are programe de loialitate, precum Mais Sorriso, \u0219i po\u021bi c\u00e2\u0219tiga cashback la produsele selectate dac\u0103 \u00ee\u021bi \u00eenregistrezi cardul la AME. \u00cen plus, este, de asemenea, posibil s\u0103 faci parte din Mastercard Surprise \u0219i s\u0103 te bucuri de toate avantajele acestui program de puncte flag!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O tax\u0103 de anuitate de R$15,70 pe lun\u0103 este perceput\u0103 pe cardul principal, dar americanii ofer\u0103 scutire de la taxa lunar\u0103 pentru cardurile suplimentare.<\/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-zencard-\"><strong>Card Zencard<\/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, afinal, como funciona o cart\u00e3o Zencard? Fonte: Zencard.\"  id=\"40331\" src=\"https:\/\/cdn.adtechpanda.com\/9a30571e-0ab5-481d-a0a9-12cb2820f7b7\/-\/crop\/1079x805\/0,145\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Dar, la urma urmei, cum func\u021bioneaz\u0103 cardul Zencard? Sursa: Zencard.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, cardul Zencard este emis \u00een modul prepl\u0103tit. \u00cen plus, are un parteneriat cu Credluz, adic\u0103 po\u021bi solicita un \u00eemprumut care s\u0103 serveasc\u0103 drept sold cardului t\u0103u. \u00cen acest caz, Zencard func\u021bioneaz\u0103 ca un fel de credit personal, iar ratele sunt pl\u0103tite prin factura de energie. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, pute\u021bi pl\u0103ti suma \u00een p\u00e2n\u0103 la 20 de rate, iar institu\u021bia financiar\u0103 nu permite retrageri prin aceast\u0103 metod\u0103. A\u0219adar, ar trebui s\u0103-l utiliza\u021bi numai pentru achizi\u021bii cu credit. De men\u021bionat c\u0103 acest \u00eemprumut este op\u021bional, deoarece pute\u021bi re\u00eenc\u0103rca cardul \u00een mod tradi\u021bional.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, cardul are steag Mastercard \u0219i are acoperire interna\u021bional\u0103. Astfel, pute\u021bi face cump\u0103r\u0103turi cu lini\u0219te \u00een orice magazin fizic sau virtual din Brazilia \u0219i din str\u0103in\u0103tate. Dar, fiind un card prepl\u0103tit, nu pute\u021bi pl\u0103ti achizi\u021biile \u00een rate \u0219i \u00eentreaga sum\u0103 cheltuit\u0103 este folosit\u0103 \u00een numerar.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, solicitarea se face prin intermediul site-ului Zencard, \u00eentr-un mod simplu \u0219i f\u0103r\u0103 birocra\u021bie. Cardul are o tax\u0103 lunar\u0103 de 7,90 R$ \u0219i o tax\u0103 de achizi\u021bie de 21,90 R$, dar este f\u0103r\u0103 taxe de dob\u00e2nd\u0103. Iar dupa comanda, primesti produsul la adresa ta, deja incarcat cu suma indicata in achizitie.<\/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-americanas-\"><strong>Care sunt avantajele cardului Americanas?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, cardul Americanas ofer\u0103 mai multe beneficii, mai ales pentru cei care au obiceiul s\u0103 cumpere frecvent la magazin. Deci, dac\u0103 te \u00eencadrezi \u00een aceast\u0103 categorie, el este o op\u021biune grozav\u0103!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, atunci c\u00e2nd \u00ee\u021bi cumperi cardul, faci parte din programul de fidelitate Mais Sorrisos. Cu el, acumulezi puncte atunci c\u00e2nd faci cump\u0103r\u0103turile \u0219i le po\u021bi schimba cu certificate cadou \u00een magazin. \u00cen plus, atunci c\u00e2nd \u00eenregistra\u021bi plastic la AME, c\u00e2\u0219tiga\u021bi \u0219i cashback pentru produsele selectate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, Americanas v\u0103 ofer\u0103 p\u00e2n\u0103 la 2 ori mai mult dec\u00e2t limita de credit cu programul Mais Limite. Astfel, c\u00e2\u0219tigi mai mult\u0103 putere de cump\u0103rare pentru cump\u0103r\u0103turile din magazin \u00een rate \u0219i po\u021bi profita de reduceri \u0219i oferte exclusive pentru cei care au cardul.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, cu programul de beneficii Mastercard Surpreenda, acumulezi puncte cu fiecare achizi\u021bie pe care o faci \u0219i po\u021bi schimba punctele acumulate cu reduceri la mai multe restaurante \u0219i magazine partenere ale m\u0103rcii.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, americanii \u0219tiu c\u0103 uneori avem nevoie de numerar pentru a efectua o tranzac\u021bie. Prin urmare, pune la dispozi\u021bie retragerile \u00een func\u021bia de credit prin orice bancomat din re\u021beaua Banco24Horas. Dar, de asemenea, pute\u021bi solicita un transfer direct \u00een contul dvs. curent prin WebSaque. Uimitor, nu-i a\u0219a?<\/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-zencard-\"><strong>Care sunt avantajele cardului Zencard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen primul r\u00e2nd, putem eviden\u021bia faptul c\u0103 este produsul ideal pentru cei care au restric\u021bii de nume. Asta pentru c\u0103 este prepl\u0103tit, deci analiza creditului este mai pu\u021bin riguroas\u0103 \u0219i o po\u021bi garanta pe a ta chiar dac\u0103 este negativ\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, ofer\u0103 acoperire interna\u021bional\u0103 cu marca Mastercard. \u00cen acest sens, pute\u021bi cump\u0103ra de la orice unitate acreditat\u0103. De asemenea, profit\u0103 de avantajele m\u0103rcii, precum programul Mastercard Surprise, unde acumulezi puncte atunci c\u00e2nd faci cump\u0103r\u0103turi \u0219i le po\u021bi schimba cu reduceri la sute de magazine \u0219i restaurante.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este un card prepl\u0103tit \u0219i aceast\u0103 func\u021bie te ajut\u0103 s\u0103-\u021bi controlezi mai bine cheltuielile. \u00cen plus, ai un club de reduceri \u00een care po\u021bi c\u00e2\u0219tiga cupoane pentru a cump\u0103ra la pre\u021buri mai mici la unit\u0103\u021bile partenere. Astfel, economise\u0219ti ni\u0219te bani pentru a-i folosi la alte achizi\u021bii.&nbsp;<\/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-americanas-\"><strong>Care sunt dezavantajele cardului Americanas?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, la fel ca cardul este un avantaj pentru cei care fac cumparaturi frecvent la magazin, poate fi considerat un dezavantaj pentru cei care nu au acest obicei. Asta pentru c\u0103 majoritatea beneficiilor sale sunt destinate clien\u021bilor americani, iar dac\u0103 nu este cazul t\u0103u, s-ar putea s\u0103 nu fie foarte interesant.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, acoperirea sa este doar na\u021bional\u0103 \u0219i acest lucru \u00eei limiteaz\u0103 puterea de cump\u0103rare. De asemenea, este de remarcat faptul c\u0103 are o tax\u0103 anual\u0103 de R$ 15,70 pe lun\u0103, dar exist\u0103 \u0219i alte produse similare pe pia\u021b\u0103 care ofer\u0103 acoperire interna\u021bional\u0103 \u0219i nu percep taxe lunare.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, este necesar s\u0103 se fac\u0103 dovada unui venit lunar de cel pu\u021bin un salariu minim. Astfel, dac\u0103 sunte\u021bi independent \u0219i nu v\u0103 pute\u021bi dovedi c\u00e2\u0219tigurile, este pu\u021bin probabil ca cererea dvs. s\u0103 fie aprobat\u0103.&nbsp;<\/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-zencard-\"><strong>Care sunt dezavantajele cardului Zencard?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, atunci, putem sublinia c\u0103 unul dintre principalele puncte negative ale Zencard-ului \u00eel reprezint\u0103 dob\u00e2nzile sale dac\u0103 optezi pentru \u00eemprumutul Credluz. Acest lucru se datoreaz\u0103 faptului c\u0103 \u00een aceast\u0103 modalitate ratele sunt deduse din factura dumneavoastr\u0103 de energie electric\u0103 la tarife care depind de suma solicitat\u0103 \u0219i, de asemenea, de num\u0103rul de ori a fost \u00eemp\u0103r\u021bit\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, este important de men\u021bionat c\u0103 acest \u00eemprumut este op\u021bional, deoarece pute\u021bi re\u00eenc\u0103rca cardul \u00een mod tradi\u021bional. Un alt dezavantaj este faptul de a nu putea pl\u0103ti cump\u0103r\u0103turile \u00een rate \u0219i de a avea disponibil\u0103 doar func\u021bia de credit \u00een numerar. Acest lucru v\u0103 dilueaz\u0103 limita mai rapid \u0219i restric\u021bioneaz\u0103 achizi\u021bia de produse cu valori pu\u021bin mai mari.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, se percep taxe \u0219i tarife, cum ar fi taxa lunar\u0103 de R$ 7,90, precum \u0219i taxa de achizi\u021bie de R$ 21,90, printre altele. Prin urmare, trebuie s\u0103 fii foarte atent la detalii \u00eenainte de a te decide asupra celui mai bun card.<\/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-americanas-ou-cart%C3%A3o-zencard-qual-escolher-\"><strong>Cardul Americanas sau Cardul Zencard: pe care s\u0103 alegi?<\/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=\"Ent\u00e3o, cart\u00e3o Americanas ou cart\u00e3o Zencard? Qual escolher? Fonte: Pexels.\"  id=\"40332\" src=\"https:\/\/cdn.adtechpanda.com\/e1d4a91a-b6e4-44cd-aef6-cd7e86d1d5c2\/-\/crop\/1880x1118\/0,135\/-\/preview\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Deci, card Americanas sau card Zencard? Pe care s\u0103 o aleg? Sursa: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, cardul Americanas sau cardul Zencard sunt produse financiare interesante. Dar pentru a alege care card este cel mai potrivit pentru tine, trebuie mai \u00eent\u00e2i s\u0103 \u00een\u021belegi ce cau\u021bi atunci c\u00e2nd achizi\u021bionezi un card de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, dac\u0103 vrei reduceri exclusive \u0219i faci cump\u0103r\u0103turi de obicei la Lojas Americanas, cardul Americanas este cea mai bun\u0103 alternativ\u0103. Dar, dac\u0103 ave\u021bi restric\u021bii cu privire la numele dvs. \u0219i c\u0103uta\u021bi o linie de credit rapid\u0103 \u0219i birocratic\u0103, Zencard este cea mai bun\u0103 op\u021biune.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, evalueaz\u0103 avantajele \u0219i dezavantajele celor dou\u0103 c\u0103r\u021bi pentru a decide dac\u0103 cardul Americanas sau cardul Zencard corespund nevoilor tale.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i, dac\u0103 mai ave\u021bi \u00eendoieli cu privire la care card este cel mai bun pentru dvs., l\u0103sa\u021bi-ne s\u0103 v\u0103 ajut\u0103m! Consulta\u021bi con\u021binutul recomandat de mai jos cu o alt\u0103 compara\u021bie \u0219i afla\u021bi despre alte op\u021biuni disponibile!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1oUwdQ\">\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\/ro\/cartao-bbb-ou-cartao-superdigital-qual-escolher\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Card BBB sau card Superdigital: pe care s\u0103 o alege\u021bi?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/a208f85a-994e-4f5a-ad25-f19c54a32705\/\" 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\/ro\/cartao-bbb-ou-cartao-superdigital-qual-escolher\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Card BBB sau card Superdigital: pe care s\u0103 o alege\u021bi?\">\n            Card BBB sau card Superdigital: pe care s\u0103 o alege\u021bi?        <\/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            Vrei s\u0103 alegi \u00eentre un card BBB sau un card Superdigital? Pentru c\u0103 ambele sunt carduri securizate cu un cont digital 100% \u0219i oferte exclusive. Verific\u0103!        <\/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\/ro\/cartao-bbb-ou-cartao-superdigital-qual-escolher\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <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? 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