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Only those who try or have tried to undertake know how difficult it is in Brazil, in fact, the situation has gotten a little worse in recent years.
Many microentrepreneurs end up having to close their doors due to a lack of structure and working capital.
At a time like this, having a credit card to provide assistance and a little push to help your business take off will be a great help.
So, in today's article we will find out which is the best credit card for MEI. See our index below:
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- What is a credit card for MEI;
- Who can do it;
- What are the advantages;
- What is the best credit card for MEI;
- How to apply;
- Conclusion.
What is a credit card for MEI?
In 2020, Brazil surpassed the mark of 10 million MEI, and in 2021, it broke the record for opening new companies, according to data from Federal Government
This tax regime was created to encourage those who work informally. With it came many benefits for this class.
For example, institutions have created exclusive financial solutions for MEIs, including a PJ account and also a credit card.
The MEI credit card was designed exclusively for company expenses. It works like a regular credit card, but it can be an important item for your business.
Furthermore, in some cases they have exclusive and even better conditions than traditional cards.
Who can make this card?
Each company has its own rules and requirements when approving a credit card for MEI.
However, normally, to make this card you need:
- Have an active CNPJ;
- Credit history;
- PJ account.
Some financial institutions consider the microentrepreneur's length of service and a specific type of category and revenue.
However, most have few requirements and a simplified process.
What are the advantages of a credit card for MEI?
Before you know what is the best credit card for MEI, It is important to be aware of the advantages that this card model offers.
First, we can start by analyzing the advantages of always keeping personal and business expenses separate.
This will help you to organize yourself better and have adequate financial control of your company.
Credit cards for MEI also tend to have lower interest rates and flexible fees.
Other than that, you can use the credit to invest in your business and pay in installments that fit your company's budget, without compromising cash flow.
Considering that thousands of businesses go bankrupt because they do not have credit or capital to invest in the business until it is structured, this option is of great help.
Of course, these are just some of the advantages of this card. The benefits may vary depending on each bank.
What is the best credit card for MEI?
There are many options on the market, so it is difficult to choose just one option as being the best. best credit card for MEI.
You need to evaluate the benefits and requirements of each card to define which will be the best option for your business.
Now, we will show you a list with great options and some information, so it will be easier to decide based on these suggestions.
#Card for MEI Inter
Banco Inter's digital account for MEI has no fees and its credit card has no annual fee either.
In addition, you also have 24-hour support, 100 TEDs and 100 free bills per month.
The card comes with the Mastercard brand and works as a debit and credit card, but it undergoes a credit analysis at the time of application.
To request yours, you must open a PJ account at Banco Inter. Click here and see how.
#Nubank Card for MEI
Nubank's MEI card is still in the testing phase, so it is not yet available to all PJ customers.
To learn more details about it and how to get on the card's interest list, read our text “Nubank credit card for MEI”.
Currently, it has no annual fees or hidden charges, and it is also less bureaucratic.
#NDES Card for MEI
This card is considered by many experts in the field to be the best credit card for MEI.
Among the differences it presents, we can highlight a maximum limit that can reach up to R$1,400,000.
There is no annual fee, but a TAC (Credit Opening Fee) is charged. The amount of this fee is up to 2% of the total credit granted.
To apply, your company's annual income must not exceed R$1,400,000. Interest rates are fixed and you can pay for your purchases in installments over 3 to 48 months.
Another interesting detail is that you can choose the card issuer and brand from different options.
It can be requested online through the Card website BNDES.
Before concluding this topic, it is also worth mentioning that this card is focused on purchasing equipment and raw materials acquired directly on the card's purchasing platform.
This can be seen as a disadvantage, as it leaves you limited to a specific shopping site.
However, the variety of items on the platform is immense, it is unlikely that you will not find what you need.
#Bank of Brazil Card for MEI
Our latest suggestion best credit card for MEI is Banco do Brasil's option.
This card can be used for different purposes, and not just for purchasing equipment and supplies, like the previous option.
With it, you can pay bills, pay installments for wholesale purchases, pay water and telephone bills and much more.
Banco do Brasil offers different versions, therefore, the benefits also differ. Click here to learn more about the options available.
Conclusion
Well, there are still other great credit card options for MEI, as already mentioned, you will need time to compare which is the best alternative for your business.
However, you can start by analyzing the options mentioned in this text. The list is diverse, so it is possible to find the best credit card for MEI that meets your company's needs.
