Reloadable credit card: 7 options to hire!
Discover 7 rechargeable credit card options right now, we've put together some incredible suggestions!
Advertisements
A new development in the economic world is the prepaid credit card, which has become popular among consumers who are more budget-conscious and want to control their spending. The advantage is that most options don't charge annual fees, preventing debt.
However, there are still common questions about this payment method. So, to learn more about the main prepaid credit card options, read this article to the end.
1 – Mercado Pago rechargeable credit card
To begin with, the Mercado Pago rechargeable credit card has become one of the most sought-after options right now. For those who want to control their spending, it's the best value for money.
The option was initially created for retailers and freelancers who use Mercado Pago terminals as a payment method in their establishments. For retailers, it's a way to manage your account balance without having to withdraw or transfer funds to other accounts.
For those of you who aren't a retailer, the Mercado Pago rechargeable credit card works like this: you only deposit the amount that fits within your budget for purchases and other variable expenses, helping you maintain excellent and efficient spending control.
To apply for a Mercado Pago prepaid card, you first need to open a digital account with the company. The process is simple and secure. Then, simply apply for your card through the app, and you'll receive a modern, international, Visa-branded card delivered to your home, free of annual fees and membership fees.
2 – Iti
You may already be familiar with Banco Itaú's Iti digital wallet, but what you may not know is that the digital account also includes a prepaid credit card. If you already have an Iti account, simply request your card in the "account card" tab. If you don't have one yet, it's simple: just open it through the app and sign up.
The card is international, Visa Platinum-branded, and has no annual fee or membership fee. Plus, you don't have to wait for your card to arrive to start using it. The app offers access to the virtual version, which is ready instantly. You can now order a snack or subscribe to Netflix with the money from your account. To add funds to your account, you have three options: transfer, PIX, or boleto.
This card offers greater security, as the physical card doesn't have any written numbers or customer information. In other words, all data is available directly through the customer app, increasing security and reducing the risk of fraud.
The best part is being a customer of a safe and reliable bank, with the convenience of resolving all your debts digitally. For example, if you lose your card, you can report it to the bank through the app and request a new one right there.
3 – Superdigital
Superdigital is the digital account for everyone. All you need is a CPF (Brazilian Individual Taxpayer Registry) and to be over 18, and you can sign up in less than 10 minutes, all through the app.
The cool thing is that this prepaid card doesn't require a credit check or proof of income. This way, This option is for everyone, even those with bad credit. Cool, right?
It's a secure, hassle-free account, and it also offers a free prepaid credit card. The card is sent to your home as soon as you make your first deposit into the account.
It's important to note that this amount isn't a membership fee, but rather an account activation fee. This means you can use it normally to make your purchases and digital subscriptions.
The advantage is that with the Superdigital prepaid credit card, you no longer need to carry coins in your wallet or calculate your change. Simply choose the credit option at the checkout and swipe your prepaid credit card. It works anywhere, as it's Mastercard, one of the most widely accepted cards worldwide.
– BanQi rechargeable credit card
In 2019, Casas Bahia, Brazil's most popular furniture and appliance retailer, launched its first digital account, called BanQi. It's free and offers cashback. Customers can earn 1% of their money back on purchases at Casas Bahia to use as they wish!
You can open your BanQi account from home. Just download the app from the Play Store or Apple Store and start enjoying the benefits of your Mastercard prepaid credit card. Shop worldwide with the Mastercard prepaid credit card from your BanQi account!
After all, you should know that Mastercard is the most widely used card in the world, accepted by millions of stores in Brazil and abroad. You can also use it for online purchases on various foreign websites and even when traveling internationally without worry.
The coolest thing is that, if you run out of money on that weekend trip, just go to a 24-hour bank and make a withdrawal whenever you need.
5 – Love Digital
Another great option is the Ame Digital card. Have you heard of it? It's an easy-to-use digital account with a variety of benefits, including special discounts on purchases at Lojas Americanas and cashback on some products. It's versatile: you can swipe it through card machines and make online purchases with the virtual prepaid card, all using your available account balance.
The account is created in less than 5 minutes, on your smartphone. You'll need an official photo ID and a selfie during the process. Much easier than other places, right?! No lines or paperwork.
The card is pink, very pretty and modern, and features a contactless payment option powered by NFC (Near Field Communication) technology. This allows payments to be made without inserting the card into the terminal or entering a PIN. It's much faster and maintains security, as you can enable or disable this option at any time through the app.
6 – Pagbank
Pagbank is a complete payment solution, with both virtual and physical payment options. It's the oldest option on this list and possibly the most popular among retailers and consumers. To get your Pagbank rechargeable credit card, simply open an account on your computer, on the website, or on your phone, using the app.
In the app, go to the "Cards" tab, choose "Account Card," then select "Order Card." Confirm the delivery address, then click "Finalize" and "Order Card." That's it! Now just track your card's delivery status. For the issuance of the Pagbank rechargeable credit card, there is a small fee of R$12.90, which is deducted from your account balance.
The fee is a one-time charge, meaning it's not an annual fee, but an issuance fee. Within a few days, you'll receive your international, rechargeable Mastercard credit card, accepted in most stores worldwide.
For your security, the Pagbank app requires a PIN code and a payment password to complete your transactions. Don't get confused, download the green Pagbank app and ditch the coins once and for all.
7 – Bradesco DIN Rechargeable Credit Card
In 2018, Bradesco launched Bradesco DIN, a new service for current and non-current account holders. It's a digital account with a prepaid credit card that can be requested online through the app. To stay within budget, the card is a good option because it works through top-ups, so there's no need to undergo a credit check or prove your income to make a purchase.
The advantage of purchasing a Bradesco DIN Reloadable Credit Card is that you don't have to pay a maintenance fee and can make international withdrawals for free. Good, right?! If you want to get in on this, Bradesco bank only requires that the cardholder be over 14 and have a valid CPF.
The benefits don't stop there. Do you like movies?! Then you'll love this: when you pay with your Bradesco DIN card, you get a 50% discount on tickets at Cinemark.
These seven options are great and very well accepted in the market. Now that you know how it works, how to top up, and the advantages you'll get from making your request, just check what best fits your routine and what offers the best benefits for you.
Did you enjoy the content?! Here are other financial tips and great credit and debit card options. I invite you to check out our next article: Credit cards that allow for a high limit, what are they?
