Which digital bank is it easier to get a credit card?

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Which digital bank is the easiest to get a credit card from? Read our article and discover some great options!

The era of digital banks has arrived to revolutionize the user experience in the financial and banking market.

Thousands of people every day abandon traditional physical banks and migrate to digital banks.

A survey carried out by UBS Evidence Lab in 2020 showed that for the first time, the number of digital banking app downloads surpassed traditional banks.

Certainly, the pandemic facilitated this process, because people's consumption habits and lifestyle changed at this time.

People were almost forced to do everything online, including opening bank accounts.

However, it was the practicality, ease and advantages that made these customers loyal and attracted even more followers to digital accounts.

The services offered by digital banks are easier to obtain, more accessible and even have a lower cost.

We can mention, for example, loans and credit cards. Speaking of which, in today's article you will learn about Which digital bank is easiest to get a credit card from?.

See below what we have prepared for you today:

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Read also: Credit Card Without SPC and Serasa Check: Which Is Best?

Which digital bank is it easier to get a credit card?

In recent years, people's need to obtain credit to organize their financial lives has increased.

However, bureaucracy seems to have increased, especially with the intensification of credit analysis based on score.

However, it is still possible to find institutions that do not take this score into account and base their analysis on the relationship that the customer has with the bank.

So, check out some options below in response to your question: Which digital bank is easiest to get a credit card from?

Mercado Pago

Mercado Pago doesn't have a physical credit card, but it couldn't be left off our list.

This is because it is a digital bank and it is very easy to get a virtual credit card, and the limit increases very quickly.

The more you use the app to make transactions, the faster and higher your limit becomes.

At Mercado Pago you can get credit without proving income, address, being in default and with a low score.

However, initially, the fact that you are already a Mercado Livre customer can make this process easier.

There is already a waiting list to receive the physical Mercado Pago credit card, but, for now, you can only participate if you already have an account and limit with this digital bank.

With your available credit limit, you can pay bills, pay in installments and even take out a loan.

The loan does not need to be approved, if you have available credit, simply apply for a loan and decide how many installments you want to pay.

The money will then be instantly deposited into your Mercado account, so you can use it however you wish. 

Inter Bank

Banco Inter is one of my favorite digital banks, second only to Mercado Pago. It's wonderful and super complete!

In fact, all the options on our list were carefully chosen. They are not only easy to approve credit cards from, but also advantageous and complete.

One of the highlights of Banco Inter's credit card is its cashback. However, it also has many cool and useful financial services, such as:

Which digital bank is easiest to get a credit card from: Nubank

Nubank is the favorite digital bank of most Brazilians, it stands out for its excellent service and a complete, intuitive application that the user has total control over.

However, that's not the only reason it's here; it ended up on our list because it's a digital bank where it's easier to get a credit card.

In the beginning, before the rise of digital banks, it wasn't so easy to get credit from Nubank.

This difficulty ended up attracting even more followers, everyone wanted to be approved and have a purple one!

But nowadays, the credit analysis policy has been loosened and it has become easier to get a credit card. In addition, it is one of the digital accounts that make the most money lately.

Perhaps the growth of competition has made things a little easier, lucky us!

Diggio

The bank's credit card Diggio It is also easy to achieve, I say this based on my own experience, in addition to data from our internal research.

Other than that, you already start with a great credit limit.

Banco Diggio has a lot of potential to be among the best digital banks in Brazil, despite not being one of the most popular among Brazilians. One day it will get there!

Among the benefits to highlight, with Diggio your purchases with your credit card generate cashback.

Furthermore, it has no annual fee, monthly fee or revolving interest.

Conclusion

So, you still have doubts about Which digital bank is easiest to get a credit card from?

Do you know of any other options that could be on our list?

Well, there are still other options that could easily make it onto our list, for example:

But, you can start by checking out our first suggestions and telling us how it went, right?

If you don't yet have an account with a digital bank, know that they are safe and advantageous.

With them, in addition to saving money, you can earn some extra cash. Not to mention the convenience of being able to resolve everything on your cell phone.

On our blog you will find many safe suggestions, so be sure to take a tour of our news and check it out!

If you still have questions, be sure to read our article: Digital account with credit card – More savings for your pocket.

By: Nara updated ago 3 years back