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Join a credit card with affordable annual fee is the priority of many customers. But is it worth it?
Considering that there are many cards with no annual fee, paying fees has come to be seen by some as a waste of money. However, we cannot forget the benefits offered by cards with an annual fee.
With so many options, deciding on the best path may not be an easy task, so today we will look at options that allow you to save on annual fees, without losing benefits. Check it out!
Credit card with affordable annual fee vs. no annual fee: which is better?
With the popularization of virtual banks, charging bank fees has come to be seen as a negative point by some customers. After all, if there is a free card, why choose one with fees?
However, traditional banks are betting on offering very interesting benefits on cards with annual fees. So, you pay the fee and receive incredible advantages, such as airline miles and discounts on services.
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This raises the question: given the circumstances, what is the best option: a credit card with an affordable annual fee or one free of charge?
It is worth mentioning that each option has its target audience: for some people, it is worth paying the annual fee and receiving discounts or even free services. For others, saving on fees is a priority.
So, deciding which model is ideal depends solely on your possibilities and priorities, given the advantages both offer.
++Credit card with annual fee waiver option: 3 options (consultacred.com.br)
5 credit card options with affordable annual fees
When we talk about credit card with affordable annual fee We are referring to cards that charge this fee, but the monthly installment does not usually exceed R$100.00.
Considering that there are cards with annual fees that exceed 4 digits, the option described above can be considered quite affordable.
It is worth mentioning that the type of benefit offered by the card is usually compatible with the annual fee, so higher rates offer services such as: cabin upgrades on flights, VIP lounges at airports, cashback and many others.
But the cheapest cards are not far behind, as they offer free subscription services, airline miles and other interesting benefits. Check out 5 options and their respective advantages below.
1. Santander AAdvantage Quartz – 12x of R$ 39.90
Among the credit card options with affordable annual fees, perhaps the Santander AADvantage Quartz is one of the most interesting.
This is the Banco Santander card in partnership with American Airlines, and the annual fee is charged in 12 installments of R$ 39.90, totaling R$ 478.80 per year.
But, it is important to say that Santander account holders have a 50% reduction in the annual fee, so it is even cheaper.
As for benefits, this is the card for those who enjoy traveling. Enjoy airline miles, cashback, travel insurance and many other benefits. For more information, visit: Santander AAdvantage® Gold Card.
2. Itaú Extra Gold – 12x of R$ 16.50
If you are looking for a credit card with an affordable annual fee for everyday use, the Itaú Extra Gold is an excellent option.
This card is offered in partnership with the Extra supermarket chain, managed by Grupo Pão de Açúcar.
With it you can make purchases throughout the network with exclusive discounts, and it is intended for incomes above R$ 700.
The annual fee is charged in 12 installments of R$ 16.50, which totals R$ 198 per year, but it is possible to have an exemption of 100% when reaching at least R$ 30 of monthly expenses on purchases in supermarkets of the Grupo Pão de Açúcar chain.
Find out more: Extra Gold Card – Request your Itaucard credit card
3. Ourocard Visa Gold – 12x of 34.00
The Ourocard Visa Gold line from Banco do Brasil is an excellent option for those seeking financial profitability, as part of the expenses on the invoice can be converted into investment.
Additionally, this card offers numerous Visa benefits, including insurance to protect you at different times in your life.
The annual fee corresponds to 12 installments of R$ 34, or R$ 408, but it is possible to be exempt from the fee when reaching a certain amount in purchases with the card.
To learn about other benefits, visit: Ourocard Visa Gold | Banco do Brasil (bb.com.br).
4. Bradesco Elo Mais International – 12x of 35.50
The Bradesco Elo Mais Internacional is a good credit card option with an affordable annual fee, as you can choose which category of benefits you want to receive: shopping, streaming or connectivity.
Each expense on the invoice is converted into Livelo points, which can be exchanged for products, services or even cashback in cash.
The annual fee for this card is variable, but on this date it is advertised on the website at R$ 426, or 12x of R$ 35.50.
Learn more about the proposal: Credit Cards | Bradesco (banco.bradesco).
Is it worth getting a credit card with an affordable annual fee?
As we have seen, cards with affordable annual fees can offer interesting benefits. But are they worth signing up for?
Before choosing one credit card with affordable annual fee It is important that you check the cost-benefit of the proposal.
Sometimes, cards in this category offer benefits that can be found on cards with no annual fees, so it ends up not being worth it.
Furthermore, if the card offers benefits that are not very interesting for your needs, paying the fee could result in waste.
Therefore, evaluate the proposal carefully and choose the card that offers benefits compatible with your needs. That way, it will certainly be worth it!
Read also: Dimo Guaranteed Limit: get to know Motorola's credit card (consultacred.com.br)
