Business Credit Card: What is the best option?

Discover all about the best business credit card options right now in this content. Learn all the benefits and see how to apply for yours without the hassle!

Itaucard Business – The corporate credit card from Banco Itaú!

The first option, and one of the most advantageous, is Itaucard Business. This option has no annual fees. However, the benefit is only valid for online purchases and for the first year.

Furthermore, the Business plan offers international coverage and is available to both small and micro-businesses. This allows entrepreneurs to manage their business expenses with greater peace of mind.

Itaú's corporate credit card is available in two versions: Visa and Mastercard. See below for details on how each option works!

Itaucard Business Mastercard Business Credit Card

In advance, the Mastercard card has zero annual fees for the first year when you sign up online. After that, the fee remains free, but you must have a minimum balance of R$1,500.00 on your bill.

In the second year, the annual fee if the customer does not reach the expenses is R$225.00 or 12 monthly payments of R$18.75, with the right to participate in the Points Program.

If you do not wish to subscribe to accumulate points on each purchase, the annual fee drops to R$174.00 or 12 monthly payments of R$14.50.

Advantages

Possibility of paying company bills using only the company credit card;
Installments and longer term for the entrepreneur to pay for purchases;
Points program;
Completely digital expense management and monitored in real time;
15% discount on the daily rate of cars rented through Localiza Hearts;
10% discount on hotel chains worldwide;
10% discount on products on the Magalu website.

Itaucard Business Visa Business Credit Card

The Itaucard Business credit card from Visa has the following features: same benefits mentioned above about Mastercard. The only change is the annual fee.

If you want to be part of the points program, the annual fee is R$246.00 or 12 monthly payments of R$20.50. If the customer does not choose this option, the fee is R$192.00 or 12 monthly payments of R$16.00.

How to hire?

Signing up for this Itaú Bank option is quite simple. First, open a business account with the financial institution. Then, simply access Internet Banking or the Itaú Empresa app.

Then, select the Credit Card – Business Card option and "request." Your order will arrive by mail directly to the registered address.

Corporate Safe Harbor

Porto Seguro Empresarial helps you gain more control over your company and manage it more efficiently.

Because, with this financial ally, the entrepreneur has more credit and time to invest in improvements, without the need to use cash flow. There are currently two options available: Business Mastercard International and the Business Mastercard Platinum. See how it works!

Porto Seguro Business Mastercard International

First of all, when you apply for this card, you get a waived annual fee for the first six months. After that, the fee is just 12 monthly payments of R$1,400,000.

Additionally, for every dollar spent on purchases, customers earn one point in Porto Plus (Porto Seguro's Loyalty Program). For spending over R$1,000.00, you earn 1.3 points per dollar.

Benefits of the Porto Seguro Mastercard International Business Credit Card

Mastercard Entrepreneur;
Global Service;
Protection against theft at ATMs;
Property rental insurance;
Protection against card misuse;
Protected Purchase;
Original Extended Warranty;
Business Discount.

Porto Seguro Empresa Platinum

Just like Porto Seguro's first business credit card option, the Platinum version also has no annual fee for the first 6 months.

After the exemption period, the customer pays only a 12-month fee of R$$30.00. Additionally, for every dollar spent, you earn 1.5 points, and for spending over R$$6,000.00, you earn 2 points for every dollar.

The card has international coverage and the entrepreneur has the following amenities:

Mastercard Global Service;
Concierge Service;
Car insurance;
Mastercard Entrepreneur;
Business Discounts;
Protection against theft at ATMs;
Travel insurance;
Hospital assistance when traveling abroad;
Protected Purchase;
Original Extended Warranty;
Travel Assistance and Inconvenience Service;
Transaction control and alert;
Virtual Card for online purchases.

How to order?

To apply for this card, you must first visit Porto Seguro's official website and find a broker. Alternatively, you can contact them via WhatsApp Business, available on the platform.

Bradesco Business Credit Card

Currently, Banco Bradesco offers excellent business credit card options to meet all entrepreneurs' needs.

In this sense, at Bradesco, the first year of the card's annual fee is free. You can also pay for your purchases in up to 24 interest-free installments. In addition to participating in offers that reach up to 40% in discounts.

At the same time, with each card spend, the entrepreneur accumulates points at Livelo, which can be exchanged for new equipment for the company and services.

One of the differences is that the card bill can be paid in up to 30 installments with lower interest. Likewise, your company has support that provides free assistance and repairs.

Business credit cards are available under the following brands: Visa, Elo, Mastercard and American Express!

How to apply for a Bradesco business credit card?

To apply for your card, you must have a business account with the institution. Then, go to the Bradesco Empresas e Negócios website and choose the brand and card type that best suits you.

Ourocard Business

Our next suggestion is the Ourocard Empresarial from Banco do Brasil. This credit card is multi-purpose. In other words, You can use it to move your account and also make purchases with debit and credit.

Currently, Ourocard is only available to customers with a business account at Banco do Brasil. The institution also offers excellent credit conditions for entrepreneurs to purchase goods and services without bureaucracy.

Advantages of the Ourocard Business Credit Card

Paying company bills using the card: Pay your debts and bills, such as water, electricity, telephone, taxes and bills, in up to 24 installments.

Points Program: Purchases made on credit earn points and you can exchange them for discounts on your bill, insurance, products and services.

Annual fee discount: the more expenses you have on your card, the lower the annual fee.

Multiple Card: with just one card you can make purchases on credit, debit, withdrawals and transactions in the company's account.

Available in 2 flags: Ourocard is available with Visa and Elo cards.

BB Points Program for companies, how does it work?

At first glance, business accounts are also part of the BB Rewards Program. This means you earn points whenever you:

Make purchases on credit;
Taking out loans;
Making applications and investments;
Sales received on Cielo machines;
BB Insurance and Consortium Contracts;
Perform transactions in the financial manager.

So, the points accumulated by performing these procedures can be exchanged for:

Transfer to the Multiplus or Smiles Program;
Invoice discounts;
Prizes in the online store;
Discount of up to 100% when taking out business insurance;
Discount on the payment of the first installment in any type of BB consortium;
Transfer of points to members;
Discount of up to 100% on the first installment of Flex Company Life Insurance.

How do I request a Ourocard Empresarial?

Above all, to apply for this card, you need to have a business account open at Banco do Brasil. Therefore, the first step (if you don't already have an active business account with the bank) is to get this done.

The procedure can be carried out directly through the App, just register by providing the necessary information and wait for a response!

5 – Caixa Elo Grafite Business Credit Card

Finally, Valor Notícias' last suggestion is the Caixa Elo Grafite Card, one of the bank's most comprehensive and advantageous options. However, the customer must pay an annual fee of R$1,400.00 or 12 monthly payments of just R$1,400.00.

If the entrepreneur purchases or is already accredited with the Ciello card machine, the first annual fee is free!

Another positive point to highlight is that you can pay for your company's purchases in up to 24 installments. This is a great opportunity to invest in new equipment and improvements.

Advantages of the Elo Grafite Business Credit Card

Business assistance: Count on support for small repairs such as plumbers, locksmiths and electricians, available 24 hours a day, 7 days a week.

Business portal: the entrepreneur has access to an exclusive platform with the best business tips.

Travel assistance: have access to information by telephone about various destinations in Brazil and around the world.

VIP Room: Buy your ticket with your card and wait for your flight in an exclusive lounge at Congonhas Airport.

Travel Insurance: All tickets you purchase with the Elo Grafite business card come with travel insurance included.

Free access to Wi-Fi networks: There are thousands of locations in over 120 countries. The network is available in major airports, shopping malls, hotels, and stores!

How to order?

This credit card application isn't done online. Therefore, to apply, you'll need to go to a Caixa branch nearest to your home. There are thousands of Caixa branches throughout Brazil!

In fact, a business credit card is a great financial ally for your business and a great way to invest in improvements. All this without the need to use your cash balance or pay high interest rates.

In short, the options listed here are the best available on the credit market today. So, select the one that best suits your goals and apply now!

Also, discover our incredible credit card options with lifetime free annual fees! Click the button below to learn more!

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Valor Notícias Content Team

May 6, 2021