All about credit cards from digital banks

 In this article, we conducted a research analysis and chose the best credit cards

What are digital banks

If queues at branches are a major headache, digital versions offer a solution: there are no queues. In the survey, 52% of digital bank users interviewed considered the availability of accessing their account at any time as a decisive factor when choosing this model.

The cost involved in maintaining the account is also one of the major advantages – 61% of digital bank users consulted in the survey stated that the rate/savings was the main criterion when choosing digital banks.

What fees are charged?

Now that we know the products that the company offers its customers, let's find out what fees are charged on my pag!.

Like all credit card services, the fees charged in case of late payment of the bill are very important for those who use the service to be aware of.

The interest charged by credit cards is the highest on the market, so a small debt can snowball.

The fees charged in case of late payment by my pag! are:

Interest rate for late payment: 5.7% to 15.9% per month.

Bill installment: 2.7% to 14.9% per month.

Use of credit: 1.99% to 6.99% per month.

These are examples of credit cards

Mastercard RecargaPay Card

Mastercard Nubank Card

DIN Bradesco Visa or Elo Card

PagSeguro Mastercard Card

Superdigital Mastercard Card

One of the most different among the best digital accounts, since your cell phone number becomes the account number, making it easier to remember. You can set it up to receive your salary, in addition to offering an international credit card with no annual fee.

Among the services, Agibank offers 4 free transfers and withdrawals, in addition to generating 4 free deposit slips.

These are cards that easily appear on the lists of the best credit cards for 2021, combining ease, transparency and credit for the vast majority of Brazilians, after all, they are not luxury cards and are available to be requested even on cell phone apps.

You may have noticed that practically all the cards on the list come from fintechs, young companies that provide financial services with great transparency and low costs because they do not have physical units.