Get to know the best Gold Credit Card options from Banco do Brasil. Also, find out about two incredible Gold Card suggestions for those with bad credit!
Advertisements
At first, the BB credit cards are excellent choices for everyday shopping. One of the differences that most attracts the public's attention are the points.
In other words, you spend on credit and earn points to exchange for airline miles, products such as household appliances, discounts on hotels and various services offered by partner companies.
Furthermore, there are several alternatives available for all consumer groups and budgets.
In the meantime, the financial institution's cards are issued under the Ouro Card, Co-branded, Smiles and Diners Club Internacional brands.
Pay attention to this content and find out what the best Gold Credit Card options are. Also available in two modalities for those with bad credit.
1 – Elo Nanquim Style Gold Credit Card
Firstly, the Ouro Card Estilo Elo Nanquim credit card is the option that accumulates the most points at Banco do Brasil. In addition, it is multiple, that is, it works like debit and credit.
With Estilo Elo Nanquim you can pay bills, make purchases and withdrawals.
For every US$$1.00 spent, the customer accumulates 2.2 points. You also have the opportunity to request up to 2 additional cards and assign different limits.
The annual fee is equivalent to 12 installments of R$$84.09 and additional cards have a discount of R$50%. However, the request is only available to account holders.
2 – OuroCard Visa Infinite Card
First of all, the OuroCard Visa Infinite is synonymous with sophistication and refinement. After all, it is one of the cards that offers the most advantages and convenience to customers. Check it out!
Benefits of the Visa Infinite Gold Credit Card
- Vehicle rental insurance;
- Compensation for medical emergency;
- Travel and medical assistance service;
- Emergency replacement of tickets;
- Lost Baggage Assistance;
- Concierge Service;
- Accident and travel insurance;
- Emergency card replacement;
- Emergency withdrawal service;
- Travel assistance;
- Extended warranty insurance and purchase protection.
The financial institution does not provide a specific information about the annual fee. However, it is known that the more the customer spends on the card, the lower the annual fee. In some cases, it may even be completely waived.
However, to have access to this card, you must first open a current account at Bank of Brazil.
3 – Gold Card Mastercard Black Credit Card
In advance, the Gold Card Mastercard Black Credit Card is one of the options that offers the most exclusive benefits to customers. The brand is Mastercard and International.
This way, you can shop at a wide range of establishments in Brazil and around the world.
Just like the other suggestions mentioned at the beginning, the customer accumulates points on all purchases made with Mastercard Black.
Currently, the balance corresponds to 2 points for every dollar spent. You accumulate them according to your purchases and can exchange them for airline miles, prizes and financial discounts from Banco do Brasil.
Enjoy all the benefits of Mastercard Black!
Your card provides numerous benefits to bring more convenience to your day, shopping and travel. Check it out:
- Vehicle rental insurance;
- Compensation for medical emergency;
- Travel and accident assistance service;
- Emergency card replacement and emergency withdrawals;
- Access to the VIP lounge at Guarulhos and SP airports.
If you are a person who travels a lot, this card is the perfect choice.
However, To join, the customer must receive an invitation from the Bank of Brazil.
That is, it is not available to all groups of people.
The annual fee is also not disclosed by the bank. The only information mentioned about it is that the Mastercard Black has a progressive discount on the fee.
That is, the more you use it, the lower the annual fee will be, and you can even get a discount of 100%.
Read more: Credit Card That Doesn't Require a Photo: Know Your Options!
4 – Gold Card Platinum (Visa and Mastercard)
The Gold Card Platinum has multiple functions, that is, it is credit and debit simultaneously.
So, with a single card you can make withdrawals and purchases in Brazil and around the world and manage your current account.
Therefore, first of all, the customer must have an active current account at Banco do Brasil.
There are two cards available for you to choose from: Mastercard and Visa. However, when requesting the Visa card, the customer has 90% discount on the annual fee for the Elo Grafite Gold Credit Card.
The minimum income value and limit released is informed at the time of analysis of credit made by the financial institution.
The annual fee for the Visa option is 12 times R$41.50 (R$498.00). For the Mastercard option, it is 12 times R$44.67 (R$536.00).
5 – Gold Card Gold Credit Card (Visa and Mastercard)
Available on Visa and Mastercard, the Gold Card Credit Card works like multiple.
In other words, with a single card you can move your current account, investments and make purchases using credit and debit cards.
Furthermore, this option is international and the customer can buy with ease in establishments in Brazil and around the world.
Yet, By selecting the Visa flag, a discount of 90% is applied to the Ourocard Elo Mais annual fee.
To use this card you pay an annual fee of 12x R$31.00 (R$372.00), selecting the Visa brand. Choosing the MasterCard brand the amount is 12x R$32.59 (R$391.00).
If you are not yet a customer, to have your card approved you must have a minimum income of R$1,400.00. For current account holders, the amount is calculated at the branch according to your consumption profile.
Advantages of the Gold Card Credit Card
- Virtual credit card: as soon as your order is approved, you will have a virtual credit card to make purchases online more securely.
- Personalized Card: personalize your card with the photo of your choice;
- Online invoice: control your expenses and pay your bill directly through the mobile app.
- Exclusive benefits for your national and international travel.
6 – OuroCard International (Visa and Mastercard)
This suggestion is one of the most basic and ideal for consumers who want a practical card to make national and international purchases. There are two brands to choose from, Visa or Mastercard.
The card is also multiple, that is, you can make purchases using debit, credit and installment payments. As well as carry out all banking transactions at Banco do Brasil ATMs.
The annual fee is very reasonable, with Visa you only pay 12 monthly installments of R$22.50 (R$270.00). When choosing Mastercard this amount increases to R$24.25 (R$291.00).
In advance, the minimum income required for approval is R$$800.00 if you are not already a customer. For account holders, the amounts, limits, income and fees are defined by the agency.
Advantages of the Ouro Card International Credit Card
- Free participation in the “Point for you” Loyalty Program;
- Possibility of requesting up to 4 additional cards with a 50% discount on the annual fee;
- Virtual Credit Card for safer purchases online;
- Pay your bill in up to 24 installments with a reduced interest rate.
7 – OuroCard Elo Mais
One of the main benefits of the OuroCard Elo Mais is the loyalty program. Thus, for every US$$1.00 spent, you accumulate 1.2 points and can exchange them for products, services and the like.
Furthermore, the card is multiple, it works as a debit and credit card simultaneously.
Yet the group of customers who participate in the Benefits Club have 12 months of free annual fees. After this period, the fee corresponds to the value of 12 monthly payments of R$29.34 (R$352.00).
Advantages of Banco do Brasil's Elo Mais
FLEX LINK
First of all, you can customize your card according to the benefits that best suit your needs. Elo Flex has several options for all audiences, check them out:
- Home check-up;
- Elo Mania Club;
- Emergency Car;
- Special conditions on CNA Go, Deezer and Eduk;
- Pet convenience;
- Child and senior home protection;
- Basic residential;
- Free Wifi and more!
VIRTUAL CREDIT CARD
The moment your application is approved, the bank provides an exclusive virtual card to make purchases online more securely.
This way, you can take advantage of the best offers with more peace of mind.
ONLINE INVOICE
The printed invoice does not arrive at home; you obtain it through the mobile app. Payment and expense control are carried out directly through the mobile app or internet banking.
BB Gold Credit Card Points Program
Much has been said in this article about accumulating points, but how does it work? See below!
Firstly, each expense on the card corresponds to a certain number of points.
This balance is automatically transferred to your Livelo account, where you can withdraw it in the form of products, services, airline tickets and even hotels.
You can also purchase points and transfer them between participants. So, if nothing suits you, you can donate your points to someone else who is also part of the group.
How to apply for the Banco do Brasil Gold Credit Card
All cards, except those that require a bank invitation, can be requested online on the sales page. Bank of Brazil or application on your cell phone.
Or, you can simply go to a physical branch closest to your home. Post Office branches that offer the Postal Bank service are also authorized to request the card.
[Bonus] – Gold Credit Card Options for those with bad credit!
The group of consumers who have a negative credit rating face many difficulties in obtaining a credit analysis approved. However, getting a credit card is not impossible.
With competition from new lending institutions, Banco do Brasil launched 2 options on the credit market for customers with credit restrictions: Prepaid Card Ouro Card Visa and the BB Social Security Visa Consigned Card.
Keep reading and find out how each option works and how to order yours!
OuroCard Visa Prepaid Card
The prepaid card has no bureaucracy, no credit checks and no need to prove your income. However, to use it you have to top up your card in advance.
This is because the prepaid credit card It is similar to a cell phone plan, where you add credit and then use the benefits. This option from Banco do Brasil is national and international.
However, It is not possible to make purchases on the internet, only in physical establishments. Therefore, one of the advantages is that you no longer need to carry cash or worry about change.
In addition, the customer also participates in the “Points for You” Loyalty Program, mentioned above, remember?
To apply for the card, simply access the BB sales page or the App on your cell phone. You pay a fee of R$$10.00 to join and then a monthly fee of R$$5.00 to maintain the card.
Read also: Check out good prepaid credit card options!
Social Security Visa
The Social Security Visa is a credit card exclusively for INSS retirees and pensioners. You do not pay an annual fee and it is not necessary to open a checking account at the bank to join.
Banco do Brasil deducts the invoice amount directly from the customer's account.
You can apply for the card at a self-service terminal or at your nearest branch. There are more than 5,000 branches throughout Brazil.
Read also: Good payroll credit card options.
In conclusion, these suggestions are without a doubt the best Gold credit card options.
Did you like the multiple card function, then click the button below and check out the best credit and debit card options of the moment!
