When I was in college, my dream was to have a credit card, this we're talking about 5 years ago, when the credit cards we have today weren't even sold. But today, we have the most varied banks offering credit cards to university students.
But before we delve into this subject, that is, how to apply for a credit card as a university student, read this complementary article:
Financing, banks and interest rates
One thing you need to keep in mind is: Low interest rates and good conditions. If the company you are looking for to apply for a university credit card is not, in fact, a bank that, in addition to having a good relationship with its customers, offers good conditions, and rates and interest.
It's no use, there's no way to escape the interest rates we have in our country. That's why we reserve the information very carefully.
Credit Card for University
Type: debit and credit. International flag known worldwide. :
Approximate credit limit : R$ 700
Annual fee: In the first year, the customer pays R$ 6.38 in four installments. From the second, pay R$ 42.50 in four installments.
Revolving credit interest: 17.7% per month
To have the card: be a university student and be over 16 years old
University account cost: R$ 5.45 per month
Loyalty program: Caixa points program, which earns one point for every dollar spent
University Ourocard, offered by banks
Type: debit and credit
Flag: Visa and Mastercard
Credit limit: between R$ 500 and R$ 800
Annual fee: free for the first year. From the second, you pay R$ 11 per month on Visa and R$ 11.66 on Mastercard
Revolving credit interest: 16,28% To have the card: be a university student, be between 16 and 28 years old and have a university bank account
University account cost: R$ 12 per month. Loyalty program: Point for You, which earns one point for every dollar spent on credit.
Bradesco Universitario, from Bradesco
Type: debit and credit
Flag: Visa
Credit limit: R$ 500
Card annual fee: free for the first year. From the second, pay R$ 17 in six installments
Revolving credit interest: 16,99% per month
To have the card: be a university student, be at least 18 years old, prove a minimum monthly income of R$ 1,200 and be a bank account holder
University account cost: the first six months are free of charge. From the seventh, it costs R$ 5.90 per month
Loyalty program: none
University Itaucard, know more
Type: debit and credit
world flags
Credit limit: from R$ 1,000
Annual fee: free in the first year and up to the sixth, you pay 50%. From the second, the customer pays R$ 19 per month in the Visa brand and R$ 16 in the Mastercard brand.
Interest on revolving credit: Itaú did not inform
To have the card: be a university student, be at least 16 years old and have an Itaú account
University account cost: R$ 6.10
Loyalty program: Always Present, which accumulates one point for every dollar spent on credit
There are other offers on the markets as well with
Type: debit and credit
Flag: Mastercard
Credit limit: from R$ 250 to R$ 2,000, without proof of income
Annual fee: R$ 19.50 per month, with exemption if you accumulate R$ 50 in purchases
Revolving credit interest: 18.52%
To have the card: be a university student and be at least 18 years old
University account cost: R$ 6.90 per month. It is not necessary to have an account to have the card.
(For now, the card is only available to account holders. For non-account holders, it is expected to be sold by the end of the year.)
Loyalty program: Surprise Mastercard, which accumulates 1 point with each purchase
cards without proof of income
Nubank
Type: credit only
Flag: Mastercard
Credit limit: varies by customer
Annuity: zero
Revolving credit interest: varies between 2.75% and 14% per month, according to the customer
To have the card: be over 18 years old and have a smartphone
Account cost: no linked account
Loyalty program: the Nubank Rewards program will soon be created, which accumulates 1 point for every 1 real spent. However, to participate you will need to pay an annuity, not yet disclosed by the company.
Interest on revolving credit: Digio does not have revolving credit, but offers the option of paying the bill in up to 12 installments, to facilitate financial control for users, who are able to predict their flow. In this case, the installment interest rate is 7.9% per month
To have the card: be over 18 years old and have a smartphone
Account cost: no linked account
Loyalty program: not yet available, but should launch soon in partnership with Livelo
about the card Neon, we already told me another post, but follows description:
Type: debit only
Flag: Visa
Annuity: zero
To have the card: be 18 years old and have a smartphone
Account cost: zero. Have a linked digital account
Loyalty program: none
intermediate
Type: debit and credit
