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Find out definitively what the best options are for requesting yours online credit card. All without having to leave home or face a lot of bureaucracy.
Are you tired of waiting in lines at the bank and accumulating paperwork that never results in an approved credit analysis? Then this content will help!
In fact, there are several online credit card options on the market. order without leaving home. Still, the best thing is the convenience of select card that best suits your profile and lifestyle.
So, to help you with your mission, we have put together a list of 7 online credit card options for you to apply for now. Check it out!
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1 – Online Credit Card: Baricard Elo Grafite
First of all, the first suggestion is the free online credit card from Banco Bari.
With the approval of this request, you have the opportunity to become an Elo Grafite customer without paying anything for it. As well as making your purchases anywhere in Brazil.
Advantages of the Baricard Elo Grafite online credit card
Online credit card: you hire, monitor and change the due date all through the App.
Elo Flag: There are more than 11 million establishments in Brazil that accept this card. In addition, customers can customize their benefits according to their needs.
Livelo Points: Make purchases using your Baricard and accumulate points at Livelo. Initially, each dollar spent corresponds to one point. Accumulate and exchange them for products and a variety of rewards.
Cash withdrawals: make cash withdrawals at Rede 24horas ATMs whenever you need.
Flex Link: your card already comes with 3 benefits included, such as travel insurance, 24-hour assistance and Pet convenience.
In the meantime, the customer has the advantage of selecting other Elo benefits as needed without charging any additional costs.
The application for this card is linked to the opening of the digital account and the entire process is carried out exclusively through the application on your cell phone or tablet.
2 – Crediffato
Crediffato is a payment method made available by Supermercado Muffato. With it, you can take advantage of the best offers from the chain and also from Max Atacadista.
Advantages of Crediffato, the online credit card from Supermercado Muffato
Discounts: use the card and get exclusive discounts at the supermarket chain.
Limit released immediately: whenever you pay the bill at Caixa Muffato or Max Atacadista, the credit limit is released immediately.
Self-service: the supermarket has several self-service kiosks, where you can make payments, check your balance and invoice amount.
Annual fee only in the month you use the card: In the months that you do not use the card, there is no discount on the annual fee. Outside of this hypothesis, the amount is only R$$5.90.
Cell phone top-up and Apps: add credit to your prepaid cell phone, Uber and more!
Extended term: compared to other cards, Crediffato has a very long term, being 40 days to pay the bill.
Did you like this card?
The request is also made online, just go to the Muffato Supermarket website and fill out the form.
Once your application is approved, the card will arrive directly at your home. After that, you can simply control your limit through the App.
3 – Submarino Credit Card
The Submarino credit card is excellent for customers who like to shop on the platform. After all, there are several special conditions and offers both at Submarino and at other establishments.
Advantages of Submarino's online credit card
Limit and Superlimit: the customer has a limit to use for everyday purchases, on the website or in other stores. They also have an exclusive super limit to make installment purchases at Submarino.
Participation in the Légua Program: This is the institution's loyalty program. With each purchase, you accumulate points that can be exchanged for gift vouchers worth up to R$1,400,00.
Extended time for payment: you have 45 days to pay your invoice.
Personal credit and withdrawal option: have an exclusive line of credit and make cash withdrawals using the card limit whenever it is convenient.
Discounts: there are several discounts available both at Submarino and at other partner companies.
The card request is made on the Submarino website, log in and then enter the data and wait for the credit analysis. Once approved, the card arrives at the registered address.
4 – Vivo Itaucard Card – Vivo’s online credit card
The fourth recommendation is perfect for Vivo customers, especially if you have several subscriptions under your CPF. In advance, this is an online credit card that is easy to apply for.
In fact, the annual fee is free whenever your Vivo bill is R$$350.00 or more. There are two cards available for the customer to choose from: Mastercard and Visa.
Advantages of the Vivo Itaucard online credit card
Cashback system
In fact, one of the main advantages is the cashback system from Vivo, which the customer receives 10% of the amount spent on purchases in the store.
Such as bill payment, cell phone top-up and other telephone company services.
Whenever you make purchases in other establishments, the cashback amount is 5%. Every month Your cashback amount is automatically released as a discount on your invoice.
Differentiated installment plan
Another important advantage to highlight is the differentiated installment plan that customers have at Vivo stores.
Well, the card gives you more conditions to buy the cell phone of your dreams.
You can pay for the model you want in up to 21 interest-free installments.
Annual fee may be free plus a discount of R$35.00
The Itaucard Vivo annual fee is free whenever the customer reaches R$$350.00 on their Vivo bill. If the customer does not have an estimated expense, the fee is 12 monthly installments of R$$30.00.
Once you reach this balance, in addition to the free annual fee, you will earn an additional R$35.00 in cashback, used as a discount on your credit card bill.
How to apply for a Vivo credit card
The application for this credit card is made online through the Itaú website. Access the cards menu, select the Itaucard Vivo option and fill out the application form.
The bank then carries out a credit analysis and you receive confirmation via email.
5– Decolar Santander Visa Gold
In sixth place, the Santander Visa Gold is a partnership between Decolar and Santander. In fact, this online credit card suggestion is perfect for the group of people who love to travel.
After all, with every purchase you make, you earn points on airline tickets and travel packages from Decolar. In short, the points program works like this:
“For every dollar spent on domestic purchases, the customer accumulates 1.6 points.” “For purchases made at Decolar or Internationally, 1 dollar corresponds to 2.6 points.”
But, the biggest advantage is that as soon as you apply for the card you earn 5,000 bonus points! The amount is credited to your “Passport” as the annual fee installments are paid.
Currently, the annual fee for the Decolar Santander Visa Gol is 4 fixed installments of R$$92.50. Check out the benefits you'll get when you apply for this card!
Advantages of the Decolar Santander Visa Gold online credit card
- Make normal everyday purchases and accumulate points;
- Earn extra points by making purchases at Decolar or international establishments;
- The customer continues to accumulate miles on airline purchases;
- Bonus Points (credited proportionally to the payment of the annual fee installment);
- Your score is uninspiring;
- You can split your dream trip with Decolar into up to 12 installments without paying any interest.
How do I apply for the Decolar Santander Visa Gold?
First of all, to request this card you have to access the Decolar website and register with Passaporte.
Then, select the option to request the Decolar Santander of your choice. After that, just wait for the response from your credit analysis!
7 – BV Nacional Basic Visa
Finally, our last recommendation is the BV National Basic Visa, one of the easiest online credit cards to apply for. After all, you only need a minimum income of R$$500.00.
In fact, the national BV is accepted throughout Brazil and has a very affordable annual fee. Currently, the cost is just 3 monthly payments of R$$30.00.
Advantages of the BV Nacional Visa Basic online credit card
- Cheap annuity divided into 3 installments;
- Discounts from BV Financial partners;
- Additional card with the first annual fee free;
- Exclusive benefits of Vai de Visa;
- Payment of the invoice in up to 24 installments;
- Possibility of dividing purchases on credit into up to 24 installments;
- Card integration into Samsung Pay digital wallet;
- Virtual credit card to make purchases online with greater security and convenience;
- Personal Credit available to pay as soon as the invoice arrives.
How to apply for the Basic National Visa BV?
Did you like this option? Placing an order is very easy, access the official BV Financeira website, select this card and fill out the application form.
After that, wait for the credit analysis, the response will arrive in your email.
How do I apply for a credit card online?
In fact, applying for a credit card online is a very simple procedure, but for a satisfactory negotiation the consumer needs to be aware of some details as we will see below.
Select the flag according to your needs
In fact, selecting the credit card brand before applying is essential. After all, not all are accepted in commercial establishments like Diners.
Therefore, it is advisable to check your consumption profile, so if you want more diversity, Visa and Mastercard are excellent options. Because, in addition to being accepted worldwide, they have other benefits such as Mastercard Surprise and Go with Visa.
Analyze the benefits offered by card administrators
In addition to the card brand, another crucial point is to evaluate the benefits offered by the administrators. So, at this stage, ask yourself “what is most important when applying for a credit card?”
Today there are endless options, such as credit card with cashback – ideal for consumers who love shopping online, credit card with airline miles – the perfect option for traveling. Also, consider the annual fee and how much you are willing to pay to have these benefits monthly.
Choose the ideal credit card and submit your application
After analyzing and choosing the best credit card, it is time to collect information about the institution and send your request. For greater security, check whether the financial institution has authorization from the Central Bank and the opinion of other consumers, especially on Complain Here.
Once everything is in order, gather the main documents such as ID, CPF, proof of income and address. Take the opportunity to also read our content on Credit Card that doesn't require a photo and Proof of income for self-employed workers.
How to get a credit card online now for those with bad credit?
Currently, the group of consumers with bad credit has access to excellent credit card options with a limit linked to the CDB. Other types of cards are prepaid and payroll deduction.
Therefore, to get a credit card online now for those with bad credit, our team at Cred Consultation indicates the request for the following indications listed below!
Online credit card for people with bad credit C6 Bank
Initially, the C6 Bank credit card for those with bad credit is one of the best options currently. At the bank, it is possible to transform the investment in CDB into a limit.
But the best thing is that all expenses, both credit and debit, are converted into points that do not expire. The consumer can exchange them for cashback, air miles or selected products.
Super Digital Credit Card
First of all, Super Digital is a prepaid credit card approved immediately and without credit analysis. The difference is the possibility of converting the recharge amount into other currencies, such as dollars and euros. In other words, an excellent option to take on international trips.
Credit card for people with bad credit Banco Pan
This suggestion from Banco Pan is a type of payroll credit card Exclusive for retirees, INSS pensioners and public servants. Consumers have an advantageous limit linked to their monthly income and do not have to consult the SPC or Serasa.
Other advantageous benefits are the life insurance included and discounts on pharmacies, medical consultations and exams. All this without having to pay annual fees and high revolving interest rates.
In conclusion, the credit card is a powerful tool that helps a lot in our financial life.
There are several options available on the market, however, to make the perfect choice and not regret it, first evaluate your needs and the advantages that the lending institutions offer.
Take advantage and check out our list of the best credit cards with free annual fees. Click the button below and find out more!
