The BTG credit card is a flexible card that allows customers to choose their benefits within the platform. Although it has some drawbacks compared to other banks, it offers a range of benefits that offset potential shortcomings.
The BTG credit card is offered by the banking institution BTG+, a member of the Pactual group, and carries the renowned Mastercard brand; not to mention that all cards carry the Mastercard Surpreenda brand;
What is it?
It's a credit card that's fully customizable to the customer's taste, and its unique feature lies not only in its benefits, but also in the card's design itself; with approximately 7 designs available, there's no shortage of options for customers!
The app has an integrated feed that allows customers to stay up to date with all the latest news in the financial market, as well as tips and insights about the platform;
Its other distinguishing feature is its spending schedule and purchase and payment history; in order to have an average of all the amounts that came in and went out in that month or period in question.
BTG credit card: how to open an account?
With nearly 8,000 reviews, opening an account at Banco BTG is easier than you think! All you need is your identification and a well-lit room.
Customers rate the app as super practical to use, which sets it apart from others in the category, which can sometimes be a bit confusing and have absolute options;
Required documents/data
- Identification document (CPF/RG)
- Email address
However, we can emphasize its excellent beginner's guide, as it is simply necessary to follow these steps to open an account:
- Install the BTG app available on the Apple Store / Google Play Store
- Complete the initial registration
- Wait business days for approval
BTG credit card: apply for credit
After opening your bank account, you can request a debit card within the platform, which will exempt you from any fees. However, the credit may or may not be approved instantly. Generally, they first send the card and evaluate your transactions for a certain period.
After that, you can either submit a credit proposal or they'll propose it to you! Due to its brand, the card can be used for purchases abroad; however, withdrawals outside the country incur a 4% fee plus local tax.
Annuity
The BTG credit card has three versions: basic, advanced and black; the basic version does not have any annual fee, while the advanced and black versions have 15/month and 90/month, respectively;
However, it doesn't stop there! Even options with annual fees can be waived based on each customer's monthly spending or investment.
Reviews
Banco BTG is a market leader when it comes to investments! Thanks to its wide range of features, it's increasingly becoming the best option for all types of investors!
Since there is no minimum income requirement for membership at the banking institution, it is necessary to undergo an analysis to have the credit approved;
However, the more premium options have several requirements; such as minimum income and minimum investments at the time of joining; which can reach R$150,000.
Although it's a card more geared toward the Black demographic, it's suitable for everyone! A good option for those looking for an extra, secure way to invest their money and boost their business or even their finances, the BTG credit card is one of the most comprehensive in the country and is definitely worth checking out!
