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Want to know how to get a credit card with a CNPJ online? We have separated all the details in this content. Read until the end and check it out!
Currently, getting a credit card with a CNPJ online is a quick, safe and less bureaucratic procedure.
In fact, you can find excellent financial products for your business by hiring.
Well, many come with exclusive benefits, such as issuing invoices and business loans.
Let's find out more about the subject? Keep reading and find out all the information you need to get your credit card with a CNPJ online. Check out what you'll see in this text:
- How to get a credit card with CNPJ online?
- What is the best credit card for CNPJ?
- How to get a credit card for a company?
- What is the difference between a business credit card and a corporate credit card?
- Is there a credit card for MEI with a negative credit rating?
How to get a credit card with CNPJ online?
To find out how to get a credit card with a CNPJ online, you need to choose where you will open an account to request the card.
Speaking of which, to have a credit card with a CNPJ, you first need to open a PJ account, right?
What is a PJ account?
It is an exclusive account for people with an active CNPJ, that is, a business account, special for your business.
Typically, this account model has many exclusive services and special conditions to help you develop and manage your company.
It is a special ally for the smooth running of your business.
The PJ account has a debit card so you can pay for your purchases and avoid having to carry large amounts of cash when purchasing items for business.
In addition, you have a credit card, but it is only approved after a credit analysis. A business credit card can be very useful and advantageous for the growth of your company if used correctly.
PJ accounts and their cards are also intended for Individual Microentrepreneurs (MEI), and in fact, they offer many advantages for this group of professionals.
Speaking of which, be sure to check out our post: What is a credit card for MEI?
In the next topic you will find out more how to make a credit card with CNPJ online, as you will learn about some institutions that offer this product and how to request your card.
What is the best credit card for CNPJ?
There are many options on the market, and the advantages may vary depending on your business.
Some cards are aimed at companies with high revenue, others are more focused on smaller businesses.
You will certainly find the best alternative for your company. To better evaluate before deciding, see below Which is the best credit card for CNPJ:
1. Santander Business and Companies Platinum
With this product, you have great ease in controlling your company's expenses.
Despite having an annual fee, you can have a discount of up to 100% on the monthly fee depending on your expenses.
When you purchase it, you also have access to the Esfera Program to accumulate points and exchange them for discounts on program services and partners.
Every $1 spent accumulates 1.3 points, these points can also be transferred to your PF, if you prefer.
When you make purchases to invest in your business, you only start paying 40 days later. In addition, you can still make withdrawals with your credit limit and only pay when the invoice arrives.
Your card bill can be paid in up to 24 installments, which means you have plenty of time to pay off your debt and in installments that won't compromise the company's cash flow.
The Santander Empresas credit card also has many other benefits for your business.
In addition, you can still enjoy the benefits offered by the card brand, Mastercard.
2. C6 Companies PJ Credit Card
This option already stands out because it has no annual fee, and the C6 Pay Machine can have zero membership depending on your monthly sales.
With this account and machine you can receive your payments via Pix, QR Code, payment link and contactless payment.
Another advantage of the machine is that you can offer cash withdrawals with it to your customers and earn R$1.50 for each withdrawal made.
Thinking about it, you can even earn some extra money and invest it in your company.
Other than that, you still have many discounts on services that will be useful for your company and also access to the Átomos points program.
This program is completely free and the points never expire, you can accumulate a lot and decide calmly how to use them.
To find out the details of the PJ account, credit cards and other benefits, visit the page C6 Bank Companies.
3. Inter Bank
Banco digital Inter has a PJ and MEI account. Both are free; no monthly fees or charges.
The two alternatives offer different advantages to their users. The MEI account is focused on Individual Microentrepreneurs, and the PJ account is focused on larger companies.
To open a free business account, you must request an account opening analysis. This request can only be made through the website. Access this link and click on “Open Business Account”.
The digital account for MEI can be requested in the PF account application itself, it is a more simplified process.
The credit card model is the same for both accounts, but there are some variations, for example, in terms of limits.
With this credit card, you earn cashback when you pay your bill on time and on your purchases. In addition, it has no fees and withdrawals are unlimited.
4. Bradesco Card
You can make a credit card with CNPJ online in the Net Empresas app. This card option is focused on MEI.
When you open an account, you have access to 12 free months of the MEI Service Basket. In addition, the first annual fee for your credit card is free.
With the Banco Bradesco MEI account, you also have accounting advice at your disposal and an online store.
To find out all the details of your account and credit card, access the portal Bradesco MEI.
How to get a credit card for a company?
Although it is no longer a novelty in the credit market, credit cards for companies still continue to generate many doubts in the minds of consumers.
In short, the business card works similarly to the personal card, however, there are some differences and exclusive advantages to help the development of your business.
To get a credit card for your company, you first need to analyze what level it is at: MEI, micro-enterprise or large company.
Because, based on this parameter, it is now possible to select the option with the most advantages for your business.
Then check whether you have the active CNPJ, the company's articles of association and, in some cases, the partners' and director's documents.
Many institutions usually offer credit cards with a business account, which makes the process much more advantageous. So, just analyze the most interesting options and send your proposal.
What is the difference between a business credit card and a corporate credit card?
Although the names are similar, the features of the two cards are slightly different. After all, the corporate credit card is exclusive to companies with a high volume of spending. This way, the consumer has more advantageous terms to pay the bill, in addition to differentiated rates.
On the other hand, The business credit card is a financial product aimed at small and medium-sized companies with little debt. Because there is less flow in expenses, the benefits granted tend to be a little smaller.
How to get a credit card with CNPJ MEI?
The credit card with CNPJ for MEI, on the other hand, has a less bureaucratic application and is very similar to the application for a personal card.
After all, when submitting the request, the documents generally required are ID, CPF, MEI card and proof of residence.
There are many options available on the market, such as the Nubank MEI card and the MEI Fácil card. At first glance, the card with Nubank CNPJ It has no fees and comes with a zero-cost business account. This means that entrepreneurs can easily separate personal and business expenses.
Just like Nubank, MEI Easy credit card has no monthly fees and comes with a free business account.
The difference lies in the possibility of issuing invoices and receipts through the app. Another possibility is the control of DAS bills and execution of the annual declaration on a single platform.
Is there a credit card for MEI with a negative credit rating?
But is there a credit card for MEI with a negative credit rating? The answer is yes! However, the version is a prepaid credit card.
In other words, to use it you need to have a balance in your account and you cannot make purchases in installments.
Currently, the best options available are the MEI Fácil card – as we saw in the previous topic and the Mercado Pago credit card for MEIs with negative credit.
This last option comes with a digital account and the microentrepreneur can also request a card machine and receive their sales easily in the account.
The card has the VISA Platinum brand, has no annual fee and allows you to make international purchases, in addition to having the Mercado Crédito function enabled.
Conclusion
As we have seen, getting a credit card with a CNPJ online is easy and hassle-free. In many cases, you only need to have the company's articles of association and billing information on hand.
A business credit card is an excellent alternative for small and medium-sized companies with little debt.
Now, if your company is large and has a lot of monthly expenses, consider applying for a corporate credit card.
Both cards provide several benefits, such as issuing invoices, working capital loans, different terms, among others.
For this reason, it is extremely important for your company to have access to good business financial products.
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