6 Types of Credit Cards That Get Instant Approval!

Nowadays, it is possible to complete the entire application process without leaving home and waiting hours for the result.

1 – Saraiva – the credit card that approves instantly and has the best cost-benefit!

First of all, the Saraiva credit card, besides offering instant approval, offers the best value for money. After all, customers pay no annual fees and enjoy many exclusive benefits.

In short, the financial product is a partnership between the Bank of Brazil and the Saraiva bookstore. One of the positive aspects is that no proof of income is required for approval.

In fact, with every purchase, you earn Latam miles and points that are converted into in-store discounts. The card is Visa International, so you can make purchases at millions of establishments worldwide.

It's worth highlighting that the card is easy to approve, and the results are available instantly. See the advantages and disadvantages of this option below!

Advantages of the Saraiva instant approval credit card

First and foremost, the first advantage is that there's no need to provide proof of income or send photos of your personal documents. Simply fill out the application form. The credit analysis is automatic, and the customer has access to:

Free annual fee;
Double points program: customers accumulate miles on Latam and discounts on Saraiva simultaneously.

Disadvantages

The only downside to this card is that it can pay bills directly through the app, as this option is only available to Banco do Brasil account holders.

2 – Trigg

At first, the Trigg card It's one of the fastest approval options on the market. Typically, you'll know whether your proposal has been accepted or not within 5 minutes.

Furthermore, the card's design is the most striking detail. They feature the most famous cartoon characters. So, you can choose your favorite hero, like Batman, Wonder Woman, and more.

Simpler versions in green or graphite are also available!

Advantages of the Trigg instant approval credit card

First, Trigg offers a cashback system that reaches up to 1.3% on all card purchases. Customers also enjoy the following benefits:

Insurance to protect the card against any financial unforeseen events;
Possibility of making cash withdrawals in Brazil and abroad;
Instant approval and immediate use of the card.

Disadvantages

On the other hand, the disadvantages are related to the fees charged for using the card. After all, the customer pays R$1,400,000 for each card issuance alone. This is in addition to the annual fee and fees for cash withdrawals.

3 – Santander SX

Santander SX is rightly one of the most sought-after and requested cards at the moment. This is because it's a product with quick and easy approval..

In short, Santander SX is a new version that replaces the old Santander Free. The annual fee is waived whenever the consumer spends R$$100.00 or more on their bill. Alternatively, they can register their CPF and cell phone number as PIX keys with the bank.

Advantages

The first advantage is approval, which is easy and online. The minimum income required for those with a Santander account is just R$1,400,000.

The institution also offers other benefits to customers, such as:

Cash withdrawals using the card's credit limit;
Possibility of paying the invoice in up to 24 installments, in case of any financial unforeseen circumstances.

Disadvantages of Santander's instant approval credit card

However, if the customer does not meet the requirements mentioned at the beginning, to gain exemption from the annual fee, the amount of R$33.25 is discounted monthly.

4 – Instant Credit Card Approval C6 Bank

Fourthly, the C6 Bank card It is an option that is approved instantly and also has a free annual fee.

With a single card, users can make purchases using credit or debit, whenever they find it most convenient. The difference lies in the Átomos Points Program.

After all, points don't expire and you can accumulate them by making payments with your credit card and using the debit function.

Another important detail is that by selecting this option, you choose the color that best suits your style, in addition to personalizing the name printed on the card. Meanwhile, the colors available through the institution are: red, pink, silver, champagne, and blue.

Advantages of the C6 Bank instant approval credit card

Upfront, the C6 Bank account's multiple card has no annual fees. Customers also have access to the following benefits:

Free withdrawals at all Banco 24horas ATMs;
Toll tag: this way, there is no need to stop in lines, as the toll amount is automatically debited from the account;
Points program that doesn't expire, you can always use it whenever you find it most convenient.

Disadvantage

The only downside is that to access this card, you need to open an account with the institution. At this stage, the institution performs a credit analysis to approve the account opening.

5 – Next

First of all, Next has no annual fee and is Visa International. The product is owned by Bradesco bank, and the service is completely digital.

Advantages of Next

The perk that most piques consumers' interest is Next's perks, which offer discounts and cashback at various establishments. Some partner companies offer discounts of up to 20%.

Furthermore, whenever you need, you can make unlimited withdrawals at Bradesco ATMs and also at Rede 24horas.

Disadvantages of instant approval credit cards Next

The disadvantage is that the card does not offer a points program and to have access to better packages the consumer has to pay a fee.

6 – Neon

Finally, our final recommendation for a credit card with instant approval is Neon. This financial product, besides charging no fees or annual fees, is available to consumers with low credit scores.

Take advantage and check out the best credit card options for low scores!

The second important detail is the response to the request, as it's very quick! However, the request is tied to opening a digital account with the institution.

Advantages of Neon

There is no annual fee, so the customer only pays the amount spent on the invoice;
The Bank offers the possibility of setting up direct debit for the invoice.

Disadvantages of Neon

Regarding the disadvantages, the most significant is that the institution doesn't offer a loyalty program or cashback system. In other words, the Neon credit card is a very basic option without many benefits.

How to get your credit card approved instantly?

Well, besides these institutions' automatic credit analysis technology, another important factor is directly linked to your financial situation. After all, before approving your application, banks perform an analysis to gauge your company's trust in the lending institution.

Therefore, the organization takes several factors into account beforehand, such as: income, financial history, credit score, restrictions and outstanding debts.

Therefore, first and foremost, it's essential to analyze your financial situation! That's why we've selected some tips to help you get approved for credit. Check it out!

Always keep your name clean

First of all, your name must always be clean with credit restriction agencies like Serasa and SPC. Therefore, your CPF cannot be restricted. You can even perform this check online without leaving your home.

Take care of your financial history

Are you part of the group of consumers who always pay their bills before the due date or only when they receive a notification of the debt at home?

Well, if you answered the second option, know that this is a bad habit and hinders credit approval, even if your credit is clean, did you know?

In short, your financial history works like your report card. This way, late payments are recorded, making it harder to obtain credit cards or loans.

Therefore, fulfill your obligations and always pay your bills on time, before the due date if possible.

Update your data

Next, update your personal information, such as address and income. These details must be compatible across all institutions, especially credit bureaus like SPC and Serasa.

This approach helps improve loan approval, boosts your score, and instills confidence in lenders. By reducing the risk factor, interest rates are lower in the event of an unforeseen event.

Activate your Positive Registration

From the outset, it's crucial to have an active Positive Registration, as the system helps consumers build a history of "good payers." After all, every time you pay your bills on time is recorded.

Have accounts in your name

Finally, it's important to keep your accounts in your name and always pay them on time. This way, consumers can demonstrate to credit institutions how they behave regarding debt.

Concluding the topic on the 6 Types of Credit Cards that approve instantly…

Well, to wrap up our discussion, applying for a credit card can be a very simple process if you follow these tips. The financial institutions presented in this content are the ones that grant credit the fastest.

Even so, consumers must be careful and fulfill their obligations. It's crucial to have no credit restrictions and to always make payments on time.

Take advantage and read our content on credit and debit cards. Learn exactly when and how to use each function, the options available on the market, and how to make the most of them for your financial life.

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Credit Market

Valor Notícias Content Team

June 8, 2021