The BTG credit card is a flexible card that allows the customer complete freedom to choose their benefits within the platform; although it has some drawbacks compared to other banks, it offers a range of benefits that compensate for any potential shortcomings
The BTG credit card is offered by the BTG+ banking institution, part of the Pactual group, and carries the renowned Mastercard brand; not to mention that all of them include Mastercard Surpreenda
What is it?
It's a credit card that's fully customizable to the customer's liking, and its unique selling point lies not only in its benefits but also in the card's design; with approximately 7 designs available, customers have plenty of options!
The app features an integrated feed that allows customers to stay up-to-date on all the latest news in the financial market, as well as tips and insights about the platform;
Its other distinguishing feature lies in 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 around 8,000 reviews, opening an account at Banco BTG is easier than you think! You only need to have your identification documents on hand and a well-lit environment
Customers rate the app as extremely easy to use, which sets it apart from others in its category, which are sometimes a bit confusing and have outdated options
Required documents/data
- Identification document (CPF/RG)
- Email address
However, we can emphasize its excellent beginner's guide, which simply requires following these steps to open an account:
- Install the BTG app available on the Apple Store / Google Play Store
- Complete the initial registration
- Please allow business days for approval
BTG credit card: apply for credit
After opening your bank account, you can request a debit card within the platform; you will be exempt from any fees; however, credit may or may not be approved instantly; generally, they first send the card and evaluate your transactions for a certain period;
After that, either you submit a credit proposal or they propose one to you! Due to its branding, the card can be used for purchases abroad; however, withdrawals outside the country incur a 4% fee plus a local tax
Annuity
The BTG credit card has three versions: basic, advanced, and black; the basic version has no annual fee, while the advanced and black versions have fees of 15/month and 90/month respectively
However, it doesn't stop there! Even options with an annual fee may be eligible for a fee waiver based on each client's monthly spending or investment;
Reviews
BTG Bank is a benchmark in the investment market! Due 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 enrollment at the bank, it is still necessary to undergo an analysis to have the loan approved
However, the more premium options have several requirements, such as minimum income and minimum investments at the time of enrollment, which can reach around R$ 150,000
Although it's primarily a black market card, it appeals to all types of customers! A good option for those seeking an extra and 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!
