2023-09-19 04:30:00
A Credit Card with a limit of 5 thousand offers not only financial flexibility, but also the opportunity to accumulate points that can be exchanged for products, promotions and even airline tickets. This characteristic makes it clear that a card with this limit provides diverse experiences, making it more accessible.
The associated benefits vary depending on the brand and financial institution that issues the card, but generally include insurance for categories such as home, car, pet and life insurance. In addition, holders can enjoy an advantageous points program, cashback system and expense coverage in case of mishaps during travel.
However, the advantages don’t stop there. With a credit card of this type and timely payment of invoices, customers have the opportunity to build a solid credit history and even increase their limit on a regular basis. This also provides greater control over personal finances and transactions carried out.
Top 10: Credit Cards with a limit of R$5,000
Will Bank
The Will Bank card stands out for its lack of annual fees, providing more efficient financial management. In addition, it offers a Mastercard points program, as well as discounts at partners such as Netshoes, Casas Bahia, Natura, among others. Its international coverage makes shopping on foreign websites easier.
Among its advantages are the option to create a virtual card, contactless payment, unlimited and accessible withdrawals in 210 countries. There is no mandatory minimum income, but the institution carries out a credit analysis.
SantanderSX
Santander SX is one of the most popular cards and offers free annual fees for invoices above R$100.00 or upon registration of a cell phone and CPF with Santander PIX Keys. It has digital wallets such as Apple Pay or Samsung Pay, as well as cashback and discounts of up to 50% at Esfera.
Other benefits include the possibility of paying invoices in up to 24 installments and access to the Santander Way platform, which allows secure control of expenses and account transactions. This credit card with a limit of 5 thousand offers various insurances, especially in the travel category.
Banco Inter Ouro
Banco Inter Gold, under the Mastercard brand, offers advantages such as cashback and points programs, such as Inter Loop. Your annual fee is free, optimizing financial management. Hiring can be done through the application, which also helps control expenses.
Another benefit is the Mastercard Surpreenda program, in addition to the Mastercard Global Service, a 24-hour assistance center that offers emergency services and guidance to customers. In addition, it has purchasing and price security, and an original guarantee at no additional cost.
Banco Pag
Pagbank Visa Internacional, as its name suggests, is offered under the Visa brand and has no annual fee or income restrictions for approval. It features a points program called Vai de Visa, which offers various discounts, and Visa Checkout, facilitating online purchases.
Those with a good credit history and who invest in CDBs can increase the limit, reaching R$100,000.00 depending on the amount used. Pagbank offers 24-hour customer service and travel assistance and emergency withdrawal services, among other insurances.
LATAM Pass International
The LATAM Pass Internacional card has an annual fee of R$360.00, which can be paid in 12 installments of R$30.00. The minimum income required is R$1,500.00 and it is possible to customize the credit limit. This credit card with a limit of 5 thousand allows for more extensive installments, such as airline tickets.
Participate in the points program, where every US$1.00 spent is equivalent to 1.3 LATAM Pass points, valid for 24 months. It also offers a 50% discount at Itaucard cinemas. In addition, it has a new program that makes it easier to purchase iPhones on Itaú platforms, with a credit card and interest-free.
Bradesco
The Bradesco Like card has the Visa brand and offers the possibility of paying the annual fee in 12 installments of R$50.00. Additionally, it provides a Cashback system with a return of up to 5%. It presents discount programs that include benefits such as the Bradesco Cartões Menu, Discount at Cinemark, Discount at Decolar, Teatro Bradesco, among others.
There is no minimum income requirement for hiring, although it is not possible to eliminate the annual fee. However, the card offers several services that help in categories such as travel, life, pets, automobiles and housing. You can also participate in Visa Causas, where you can contribute to a cause of your choice without generating additional costs.
Azul Itaú Ouro
To purchase the Azul Itaú Gold card, you must have a minimum income of R$2,500.00 and a favorable credit history. The annual fee can be free for invoices from R$2,000.00, and a 50% discount on the annual fee is guaranteed for invoices of R$1,000.00. Furthermore, the annual fee can be paid in 12 installments of R$39.00.
This card offers a points program in which every US$1.00 spent is equivalent to 2 points. In addition, it provides several discount benefits in partnerships, including cinemas and theaters. It features the Mastercard Surpreenda and Mastercard Global Service programs, as well as various protection insurances, such as purchase and price protection.
Azul Itaú Gold also provides a platform that allows the cardholder to more securely control their financial transactions and contract services. It offers the option of making contactless payments and is an excellent choice for customers who travel frequently and are fans of Azul airlines.
LATAM Gold Pass
The minimum income required to apply for the LATAM Pass Gold is R$2,500.00, and it is issued under the Mastercard brand, or which guarantees access to programs such as Mastercard Surpreenda and Mastercard Global Service. Additionally, it offers protected purchase insurance, price protection, and original warranty.
One of the advantages of this card is the points program, where every US$1.00 spent can be equivalent to up to 2.7 points. The annual fee can be paid in 12 installments of R$39.00, and depending on the total value of purchases, it is possible to get a free invoice or a 50% discount.
Anger Internacional
The Digio Internacional card is one of the most popular choices due to the absence of annual fees, low fees and greater ease of customer approval, including higher initial limits. Although it does not participate in points programs, it offers a cashback system in partnership with Digio companies.
This card also includes advantages such as travel assistance, emergency withdrawals and exclusive benefits, such as greater ease in making withdrawals and international purchases. In addition, it has a platform that allows the cardholder to manage expenses, create a virtual card and take out various insurance policies.
It offers the option of making payments via approximation and offers a more advantageous return compared to savings. It’s a great choice for those with a lower credit score.
Bradesco NEO Visa Platinum
The Bradesco NEO Visa Platinum, with the Visa brand, is a simple option with discounts and is ideal for those who have a good relationship with a traditional bank. The fee can be paid in up to 12 installments of R$30.00, and one of the advantages is the possibility of eliminating the annual fee.
Thanks to the Visa brand, cardholders can take advantage of programs such as Vai de Visa, which offers several discounts at partners, in addition to a 50% discount at chains such as Teatro Bradesco and Cinemark. The card also offers price and purchase protection insurance, original warranty and travel assistance.
This is information about some of the best and most popular credit cards, each with its own unique features. The key to effective use of cards is financial discipline, understanding their limits and agility responsibly.
Many people wonder if it is possible to obtain a card with this high limit even with a negative name, and the answer is yes! Although the chances of starting with this limit are low, they are not impossible. Just build a good relationship with your chosen financial institution and demonstrate discipline in its use, and your credit line will gradually increase.
It is not necessary to settle on a high limit, as there are other options with lower limits that also offer excellent benefits and may be useful for your needs. Keep in mind that when applying for a credit card, it is likely to be issued with an initial limit of 5K; It is necessary to maintain a solid history and a good relationship with the financial institution.
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