Which store card is easiest to get approved for? [Complete Guide]
Learn all about which store card is easiest to get approved for. We've put together a complete guide to answer all your questions.
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You've probably already purchased a certain product and the employee offered you special discounts through store card.
This type of card is possible thanks to the partnership between common stores such as department stores, together with financial institutions.
Is it really worth applying for a card like this? Does it have an annual fee? Can I use it at other stores?
Below we will clarify these and other doubts.
Summary with the topics presented:
- What is a store card?
- What do you need to make a store card?
- Which store card is easiest to get approved for?
- Which store card can I use online?
- Discover 8 more stores that have their own card;
- 6 Online Clothing Store Card Options;
- Essential tips for selecting the best option;
- Conclusion.
What is a store card?
For those who have doubts about what is a store card, this is a type of credit provided by large trading companies that has exclusive benefits for customers.
For example, Marisa, Renner and C&A stores are very famous in the segment, as well as supermarkets such as Extra and Carrefour.
But what would be the “exclusive benefits”?
Well, in general, the customer can count on a discount when purchasing certain products, in addition to a longer installment period.
In fact, in some cases, the installment plan may be interest-free.
Therefore, it is worth highlighting that there are two types of store cards:
In the first place, The private label is a card without a brand, and can only be used in accredited stores.
Another difference is that there is no annual fee.
Despite this, the alternative works as a common credit card and as its main benefit, know that you can pay for purchases in installments more easily.
On the other hand, there is the hybrid card that has a store behind it, but works exactly like a credit card.
In other words, in addition to being accepted at the store that offers it, the card can be used for other purchases, including options that are accepted abroad.
However, these benefits allow the card to have an annual fee.
What do you need to make a store card?
Generally, when requesting a card of this type, it is important to have personal documents such as your CPF and RG on hand.
Also, when we talk about what do you need to make an l cardoja, understand that the company may request proof of residence and income.
Therefore, there are companies that make the card available through the digital environment, either through the website or the app.
Which store card is easiest to get approved for?
Unfortunately it is not possible to mention the main one easy to use store card approve.
This is because each client has a profile and may experience difficulties or ease during the application process.
But, one point that makes approval quick would be the following:
When the company dispenses with a thorough credit analysis.
In general, there are 2 types of analysis, the first being cadastral, in which the data provided in the registration will be verified.
Secondly, we have the careful analysis that seeks information about your financial profile from external sources such as Serasa and SPC.
That is, all debts and the customer's financial behavior can be seen in detail.
When the company does this second analysis and you have a low score, for example, the card may be denied.
Therefore, keep in mind that approval is practically certain when the company does not consult credit protection agencies.
However, there are some companies that offer easier approval. If you're interested, which store card is easiest to get approved, we have separated some suggestions.
Which store card can I use online?
As mentioned above, in some cases the request can be made without leaving home, simply by accessing a website or app.
So in case you're wondering: Which store card can I use online?, know that there are several options, something that we will cover in this topic:
Americanas Credit Card
Through this card, the customer has access to exclusive discounts and offers, as well as good installment payment options.
Access to the Vai de Visa rewards program, Ame Cashback, and Mais Sorrisos points program are also some of the benefits.
In fact, customers can become Americanas Prime subscribers and request up to 3 additional cards for dependents over 16 years of age.
Regarding the annual fee, please note that the amount for the cardholder is paid in 12 installments of R$13.08, totaling R$156.96 per year.
On the other hand, there is no need to pay the annual fee for the additional card.
Magalu Visa Platinum Store Card
Another example would be the option of Magazine Luiza, which offers special conditions and discounts from Itaú partners.
For example, when using the card to purchase cinema and theater tickets, you can count on discounts.
Pay in up to 24 interest-free installments with Magalu, 4% cash back on your invoice, and use abroad, as it is an international alternative.
Finally, the annual fee is free and you can participate in the Vai de Visa program.
Submarino Credit Card
The company's rewards program works differently, as the customer accumulates miles that can be exchanged for products.
An advantage that should be highlighted would be that of SuperLimite which works as an additional limit value which can be used for installment purchases at Submarino.
Revolving credit can be used for up to 45 days to pay for purchases without interest, and the card is managed using the Cetelem app.
Regarding the annuity, the amount is divided into 12 installments of R$ $15.7.
Samsung Itaucard
First of all, this store card It does not come with a printed number, only with your name, a strategy to guarantee security.
Although the card If you don't have a loyalty program that guarantees cashback or miles, it's worth talking about Samsung Rewards.
Basically, the consumer receives 30 extra points per purchase (limited to 30 transactions per month), in addition to 1,000 points as a bonus on the first use.
These points can be exchanged for services at partner companies or for credits.
However, you cannot convert points into miles when transferring them to programs from companies such as Smiles, TudoAzul and Latam Pass.
Vai de Visa Program, assistance and benefits of the brand, purchase protection, price protection, rental vehicle insurance, extended warranty and other benefits of the Platinum brand.
In fact, payment can be made in up to 21 interest-free installments and the annual fee is free.
Itaucard Sugarloaf International
Speaking initially about discounts, we should highlight that you can get 20% off on the purchase of cheeses, wines, special beers and exclusive brands such as Casino, Taeqe and Qualitá.
All invoice information is displayed securely and simply in the digital environment, and you can enjoy the benefits of Itaucard.
Shipping is free for purchases over R$149, and the annual fee is R$216.00, paid in 12 installments of R$18.00.
Discover 8 more stores that have their own card
Now we will highlight other options that are available:
Pernambucanas store card
It is accepted in all Pernambucanas stores and has two types of limit: the first is used for cash purchases and the second for installments.
However, be aware of the variation in payment terms depending on the day you intend to purchase.
6 due dates, installments in up to 12 fixed installments, receipt and payment of invoices online and up to 4 additional cards.
Finally, the annual fee is free.
Casas Bahia
Among the stores that have their own card, we can highlight Casas Bahia.
The card features contactless payment technology, easy installment payments, and exclusive discounts on selected products.
For example, 50% off is available when purchasing a full ticket from the Cinemark chain, in 2D, 3D and XD sessions.
Through Bradesco's ATMs, you can make withdrawals using the credit function, and one of the advantages of the brand is price protection.
In addition, the annual fee is paid in 12 installments of R$14.88.
In the first year of the contract, there is a discount, so the annual fee will be R$11.90.
Carrefour
When using a store card to shop at Carrefour, especially in the bazaar and textile sectors, the highest number of interest-free installments is 8.
For flagged products, payment in up to 24 installments is possible without fees.
If you need to withdraw money, just find a Rede Plus (Visa), Rede Cirrus (MasterCard) or Rede 24 Horas ATM.
On the other hand, transaction control can be done via SMS and the annual fee is zero.
Extra
There are several benefits to applying for this card, such as the possibility of participating in the Clube Extra discount program.
Therefore, there are several offers in the supermarket, in addition to e-commerce.
Thus, purchases are paid in 18 installments in physical stores and 12 interest-free installments through the website.
Mastercard Surpreenda is the brand's main advantage.
Finally, half-price tickets to selected cinemas and theaters, access to credit that can be paid in 36 installments and does not affect the card limit, as well as an annual fee of R$$11.99 per month.
Muffato
THE store card Muffato has an additional limit that can be used in installments at Super Muffato stores.
Otherwise, the traditional limit applies to everyday purchases in any commercial establishment.
In this sense, the company gives you a longer payment term, that is, up to 45 days and you have access to an exclusive line of credit, which would be the personal loan.
There is also a withdrawal that can be requested directly at the Banco24Horas network ATM, Cetelem app, telephone or internet.
The app even allows you to control and organize your expenses.
Therefore, to use and maintain the card, you pay R$$10.99 monthly.
Cold Point
Customers of the brand who request the card participate in the Mastercard Surpreenda program.
Furthermore, the brand allows use abroad because it makes the card accepted in several establishments around the world.
Installments are up to 12 interest-free installments or even fixed installments of 24 for selected products.
As for discounts, it is worth highlighting the 50% off on the purchase of theater and cinema tickets, as well as 15% on selected Ponto Frio products.
Therefore, the annual fee is R$142.80, divided into 12 installments of R$11.90.
Brastemp store card
It has the benefits of the company's own points program, as well as unique offers, including from Itaú partners.
For example, there is a 50% discount at partner cinemas.canvas quote
The maximum number of installments is 21 interest-free installments, and customers can obtain personal credit for emergencies.
Payment for purchases can be made by approximation and the annual fee is R$468.00 (12 installments of R$39.00)
Therefore, to be exempt from the annual fee, you must have expenses above R$1,040,000 and 501,030 off is granted to those who have expenses of R$1,040,000 per month.
Shoptime
Shoptime is a store that has been growing a lot in the Brazilian market and has also decided to invest in a card for its customers.
Therefore, you can check out up to 65% discount on the purchase of certain products, in addition to checking out better payment methods, including installments in up to 12 interest-free installments.
The loyalty program guarantees rewards on purchases in the store or at any establishment, a very interesting differentiator.
Therefore, the annual fee is 12 installments of R$ $15.70.
6 Online Clothing Store Card Options
You are probably more used to the idea of having a store card of clothes, considering that when we go to one of these stores, the employees always offer them.
But is it really worth getting one of these cards?
Let's understand by analyzing the advantages of the following main options:
Renner Credit Card
Purchases can be paid in up to 5 interest-free installments or 8 fixed installments in physical stores, with the option to pay 30 days after purchase.
On the other hand, purchases made in the online store allow payment in up to 12 interest-free installments.
As a differentiator, you can request additional cards for dependents over 12 years of age.
In this sense, the limit of dependents is determined by the holder.
You can consult or print your statement at any time using the website, and to obtain a second copy of your statement, simply request it at one of the stores.
Finally, issuing the first and second copies of the card is free.
My Renner
This online clothing store card can be used in Renner stores and other establishments, including abroad.
The company claims that it offers an increase in the limit based on card usage and on-time payment of bills.
Therefore, there are special discounts and free shipping for purchases made on the Renner website.
Great flexibility when choosing your payment method, whether by invoice or installment plan, plus 4 additional cards to share the benefits with family or friends.
However, please note that the annual fee is R$$9.90 per month and is only charged when the customer uses the card to make purchases at other commercial establishments.
Dafiti Credit Card
This card features contactless payment technology, and customers can participate in “Dafiti Prime,” which includes special services and promotions such as free shipping and fast delivery.
There are several advantages to the Visa brand, as well as the possibility of participating in the PAN Mais platform, where points are exchanged for products.
Likewise, cashback is available on all purchases made on the Dafiti website and at other establishments.
Therefore, there is no annual fee charged.
Riachuelo
For customers looking for discounts from over 40 of the company's partners and an app to manage all their expenses, Riachuelo card might be a good option.
Plus, you can get up to 3 additional cards and pay your bill in up to 70 days without additional interest.
If you need more time to pay your bill, the company offers 120 days with interest.
The installment plan is up to 5 interest-free installments and 8 interest-based installments, and the annual fee is paid in 12 installments of R$$9.90.
Marisa store card
Payment can also be made in 5 interest-free installments and 8 interest-bearing installments, and the customer can use the card at any Marisa store, whether physical or virtual.
The company works with a revolving credit system, should you need it, and several promotions are available, including 10% in the month of your birthday.
You can sign up for the Marisa Odonto dental plan from R$$32.90 per month, plus insurance and assistance, and the annual fee is R$$3.90 per month.
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Finally, there is this card with discounts of 10% on your first purchase at C&A.
50% off is offered to customers who get tickets at Cinemark and the popcorn + drink combo.
You can use the card to make withdrawals using the credit function through Banco24Horas or directly at C&A stores.
This way, the amount is charged to the card statement.
However, be careful because this withdrawal works like a loan and carries interest rates.
Points are accumulated through the Vai de Visa and Livelo programs, so they can be exchanged for benefits on travel, restaurants, shopping, and entertainment in general.
If you only shop at this store, you don't need to pay the annual fee.
However, for any purchase made at another establishment, the amount of R$$17.49 will be charged per month.
Essential tips for selecting the best option
Before getting a store card, it is interesting to ask yourself if the options you liked the most can be used as a credit card.
Please note that some of the cards mentioned above cannot be used at other establishments or the company charges an annual fee if you do so.
Before signing up, check the exact annual fee amount, as well as the interest rates charged in cases of default or when requesting an additional service.
This way, you can have an even smaller list.
And to truly decide which is best, check the advantages that are available, such as the possibility of installments and discounts.
Conclusion
Finally, we recommend that you plan ahead, considering all the products you intend to purchase and whether it is actually necessary to obtain a specific card from a particular store.
This should be considered, especially for consumers who already have a credit card.
Therefore, avoid visiting a store where the employee offers you the card and you decide to apply for it immediately.
Never fill out forms in a hurry or on impulse because you need to be aware of all the conditions when purchasing the product.
In fact, a card that stands out among those mentioned above would be the Pernambucanas Elo Grafite, click here and discover its advantages.
