Are you looking for a credit card for MEI? Read this text until the end and discover incredible options that will help your business grow!
Advertisements
Do you want to increase your business metrics? A credit card for MEI is an excellent financial ally. After all, through it, the entrepreneur has access to exclusive lines of credit to buy goods and make things happen!
Currently, MEI type businesses represent 56.7% of the total number of Brazilian companies. In fact, the speed of registration and legalization are the determining factors for this scenario.
Furthermore, along with this result we must also consider the advantages. Individual entrepreneurs can issue bills, invoices and even have access to a legal checking account with the business credit card.
Let's find the ideal card for your profile right now? Then, keep reading. Check out what you'll find in this article:
- What is a credit card for MEI?
- What is the best credit card for a MEI company?
- Is it possible to get a credit card with a CNPJ?
- What is the credit card limit for Microentrepreneurs?
- Where can I get a credit card with a CNPJ on the internet?
- The business credit card and its advantages;
- Credit Card for MEI with negative credit.
Get all your questions answered about this subject now!
What is a credit card for MEI?
First, it is important that you understand the concept of which is a credit card for MEI. This way, you can separate your business finances from your personal life more assertively.
For good reason, this type of credit is a good option for small businesses, as it helps the entrepreneur with cash outflows, in addition to increasing credit for purchasing supplies and materials.
In this way, the credit card for MEI works like a regular card for individuals, which has a credit limit to be used for purchases in cash or installments.
However, it has more advantages, such as credit, loan options and higher credit lines. Therefore, it is common for there to be an annual fee charged in cases where the card issuer offers more benefits.
Remembering that this value varies from one institution to another!
What is the best credit card for a MEI company?
At first glance, one of the recurring doubts of our first-time entrepreneurs is knowing What is the best credit card for a MEI company? After all, selecting the best financial products for your business is of utmost importance.
However, there is no rule to define the answers to this question. Since It all depends on the financial needs and objectives of each enterprise.
But to make the process easier, we’ve put together a questionnaire that will help you find the best credit card option for your business. So, answer the questions below and draw your own conclusions:
- What other banking services do you need besides a credit card?
- What is the maximum amount you can spend on tariff and maintenance fees?
- Will you need a credit card machine?
- What is the maximum value of your daily cash transactions?
With the answers in hand, it’s time to take the next step and find the ideal card. We’ll present the options below. So, don’t take your eyes off the reading, okay?
Is it possible to get a credit card with a CNPJ?
If you are a freelancer or self-employed professional, you should know that it is possible to get a credit card with a CNPJ. Therefore, the first step towards this is to get out of illegality and open your MEI.
Because, with your company documents in hand, you have the right to have a credit card and other financial products exclusive to your business.
And thus have the opportunity to see your company take greater leaps forward every day!
What is the credit card limit for Microentrepreneurs?
First of all, the credit card limit for MEI varies according to the issuing financial institution and the credit analysis of each customer.
In fact, in some cases, the credit card limit for MEI can reach up to R$$2 million, as is the case with BNDES credit. Well, the main objective of this bank is to offer working capital to companies.
Where can I get a credit card with a CNPJ online?
Well, now that you know everything about the MEI card, let's find out where make a credit card with CNPJ online?
Nubank Credit Card for MEI
One of the first options you should consider is the Nubank Credit Card for MEI.
Since Nubank for MEI is not only practical and makes your business routine easier, it also has no annual fees. This means that customers can make purchases using the card and separate their personal and business finances.
Despite being in the testing phase, credit is gradually being released to PJ account customers.
Advantages
✅ No annual fee;
✅ No maintenance fees;
✅ Full control via the Nubank App;
✅ Integration with the PJ account;
✅ Travel notice;
✅ Discount on advance payment of installments.
How to apply for a Nubank credit card for MEI?
Initially, the Nubank credit card for MEI is in the testing phase for customers. Therefore, the first step is to open a PJ account at Nubank, because, with the debit card in hand, the entrepreneur can already register on the interest list.
Santander Credit Card for MEI
Already the credit card for MEI Santander It is an excellent option and one of the best value for money. In addition to being easy to order and without bureaucracy, it also has many advantages that will help your business grow.
Another point to highlight is that by registering the CNPJ as a PIX key, or spending R$$100.00 on the invoice, the entrepreneur does not pay an annual fee on the card.
Another difference is the exclusive discounts and the credit system, which allows customers to pay for certain purchases in up to 36 installments.
This, in fact, is a great opportunity to purchase supplies, goods and raw materials to develop your work.
Advantages
✅ Participation in the Esfera Points Program;
✅ Mastercard benefits, such as concierge services, travel assistance and even car insurance;
✅ Credit system;
✅ Up to 40 days to pay.
How to apply?
First of all, to apply for the Santander card you need to open a legal account. And, by the way, such an account is an excellent deal.
In addition to financial products such as credit cards, working capital and card machines, entrepreneurs can count on an exclusive tool – free for one month – to control inventory, sales and even issue invoices.
In other words, by joining Santander, You have at your disposal all the items necessary for your company to grow. In addition to having much more practicality and ease in your day to day life.
Individual Microentrepreneurs can apply to open an account entirely online. All they need to do is have the following documents on hand:
- ID (or other identification document with photo and CPF);
- Company incorporation document;
- Computer or cell phone with camera to send photos of the requested documents.
However, companies with more than 2 partners should look for a physical agency!
BNDES Card for MEI
If you've reached this part of the reading, I'm sure you must be super curious to know how it works. BNDES Card for MEI.
In fact, the card is part of a financial product offered by the National Bank for Economic and Social Development, launched especially for individual entrepreneurs.
The advantage of all this is the credit limit, which can reach up to R$1,400,000. However, it is the partner banks that issue and analyze the microentrepreneur's credit.
How to apply?
As we have already said, the BNDES card is for exclusive use by MEI'S. Therefore, only legal entities that fall into the individual entrepreneur category can make the request.
If you are already a MEI, make sure you are up to date with your negative debt certificates. Then, look for one of the following accredited banks:
- Itau;
- Bank of the Northeast;
- Santander;
- Banrisul;
- Sicredi;
- Bradesco and Sicoob.
The Business Credit Card and its advantages
In addition to the credit card for MEI, we would like to present you with an alternative: the Caixa and Itaú business credit card!
Caixa Business Credit Card
Initially, one of the best Caixa business credit cards has the Visa brand.
With the financial product in hand, The entrepreneur can buy and acquire raw materials for the business, dividing it into up to 24 interest-free installments. Furthermore, the annual fee is very reasonable, just twelve monthly payments of R$12.50.
Advantages
✅Different limits for each company card;
✅ Easy installments in up to 48 times;
✅ Possibility of selecting the revolving credit option or paying the invoice in installments;
✅ Purchase notification by SMS;
✅ Full control via the App
How to apply?
The entrepreneur can only request the card at a physical agency and to speed up the process, we have listed the necessary documents for you to provide:
- Articles of association;
- Registration of individual firm;
- Simplified Declaration or DIPS;
- Statement of consolidated debts;
- Extract of the REFIS account from the last fiscal year;
- CPF, RG and proof of residence of all partners and directors;
- Personal income tax of partners.
Itaú Business Credit Card
The most recommended Itaú business credit card is the Itaucard Business Mastercard. The annual fee is very affordable, just R$12,400,000 and the entrepreneur also receives discounts at various establishments.
Therefore, in online hiring, There are no annual fees in the first year. This way, you can enjoy all the benefits that Itaú offers your company for free and then decide whether the card is really a good option or not.
Advantages
✅ Free tuition for the first year;
✅ Participation in the Rewards Bussines Points Program;
✅ Access to promotions and discounts at partner establishments;
✅ Full control through the app.
How to apply for the Itaucard business credit card?
The application for a business credit card can be made either through internet banking or through the bank's relationship manager. Please note that the application is subject to credit analysis.
Credit Card for MEI with negative credit rating
In fact, MEIs with negative credit ratings have a lot of difficulty finding lines of credit for improvements.
However, there are still financial products that meet this demand, such as credit cards, POS terminals, among others. But there is one detail: it is not possible to buy in installments.
MEI Easy Neon Credit Card
If you are in debt, the first suggestion is MEI Fácil Neon credit card. Without a shadow of a doubt, for entrepreneurs who don’t have much daily cash flow, this is an excellent option.
The card comes with a legal account, and on the same platform the MEI also has access to monthly tax bills, annual declaration and much more!
Advantages of the MEI Fácil Neon credit card
✅Free annual fee;
✅ Includes a complete PJ account for MEI;
✅ International Coverage.
How do I apply for the MEI Fácil Neon credit card?
First of all, to apply for the MEI Fácil Neon credit card, the entrepreneur has to open a PJ account. The procedure is carried out through the MEI Fácil application and takes just a few minutes.
Once your account is approved, go to the cards tab and “request credit card”. The bank will perform a credit analysis, and even if it is not approved at the time, the customer will receive a card.
You can use it as a credit for online purchases, and as a debit for purchases in physical stores. However, you must have a balance in your account to use this feature.
To understand more about the subject, we suggest you also read: “Good prepaid credit card options”.
Credit Card for MEI with negative Mercado Pago
The Mercado Pago prepaid credit card is also an excellent opportunity for MEI'S with credit restrictions. In addition to the card, you can request the credit machine and receive your sales directly into your account.
Advantages
✅ Visa Platinum card with no annual fee;
✅ Accepts those with negative credit ratings;
✅ Possibility of having credit approved, with Mercado Crédito;
✅ Cash withdrawals at Banco 24 horas with QR Code.
How to apply for a credit card for MEI with negative credit ratings on Mercado Pago?
The first step is to open a digital account with Mercado Pago to sign up for a credit card. You can then make purchases online using your account balance.
The physical card arrives at the registered address and does not have an express number. This information is only provided in the application using the registered password.
Conclusion
Regarding all the information in the article, we saw that the credit card for MEI is a valuable financial product to make your company grow.
Because, with this small item in your wallet, you can now separate your personal and business accounts. In addition, you will have access to more advantageous credit lines and installment plans.
And even those with bad credit can get approval and thus better manage their business and get out of debt.
But before applying for your card, make sure it really covers your needs. After all, no two businesses are the same, and each one has specific items that need to be addressed.
Did you like our content? Take advantage and also read our content on card machines for MEI. Click the button below and find out more!
