When I was in college, my dream was to have a credit card. We're talking about 5 years ago, when the credit cards we have today weren't even available yet. But today, we have a wide variety of banks offering credit cards to college students.
But before we delve deeper 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 that is approaching you to apply for a college credit card is not actually a bank, in addition to having a good relationship with its customers, it will offer good conditions, rates and interest.
There is no point, there is no way to escape the interest rates that we have in our country. That is why we keep the information very carefully reserved.
Credit Card for College Students
Modality: 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 year onwards, the customer pays R$ 42.50 in four installments.
Revolving credit interest: 17.7% per month
To get the card: be a university student and over 16 years old
Cost of university account: R$ 5.45 per month
Loyalty program: Caixa points program, which accumulates one point for every dollar spent
University Goldcard, offered by banks
Modality: 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 year onwards, you pay R$1.4T 11 per month for Visa cards and R$1.4T 11.66 for Mastercard cards
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
Cost of university account: R$$ 12 per month. Loyalty program: Ponto pra Você, which accumulates one point for every dollar spent on credit.
Bradesco University, from Bradesco
Modality: debit and credit
Flag: Visa
Credit limit: R$ 500
Card annual fee: free for the first year. From the second year onwards, pay R$1.4T 17 in six installments
Revolving credit interest: 16.99% per month
To get 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.
Cost of the university account: the first six months are free of charge. From the seventh month onwards, it costs R$5.90 per month.
Loyalty program: none
Itaucard University, learn more
Modality: debit and credit
World flags
Credit limit: from R$ 1,000
Annual fee: free in the first year and up to the sixth, pay 50%. From the second year onwards, the customer pays R$ 19 per month for Visa and R$ 16 for Mastercard.
Interest on revolving credit: Itaú did not provide information
To get the card: be a university student, be at least 16 years old and have an account at Itaú
Cost of university account: R$ 6.10
Loyalty program: Sempre Presente, which accumulates one point for every dollar spent on credit
There are other offers in the markets as well with
Modality: 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 get the card: be a university student and be at least 18 years old
Cost of the university account: R$ 6.90 per month. It is not necessary to have the account to have the card
(For now, the card is only available to current account holders. It is expected to be available to non-current account holders by the end of the year.)
Loyalty program: Surpreenda Mastercard, which accumulates 1 point with each purchase
Cards without proof of income
Nubank
Modality: credit only
Flag: Mastercard
Credit limit: varies depending on the customer
Annual fee: zero
Revolving credit interest: varies between 2.75% and 14% per month, depending on the customer
To get 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 it will be necessary to pay an annual fee, which has not yet been disclosed by the company.
Revolving credit interest: Digio does not have revolving credit, but it offers the option of paying the bill in up to 12 installments, to facilitate financial control for users, who can predict their cash flow. In this case, the interest rate for the installment payment is 7.9% per month.
To get the card: be over 18 years old and have a smartphone
Account cost: no linked account
Loyalty program: not yet available, but should be launched soon in partnership with Livelo
About the card Neon, we already talked about it in another post, but here is the description:
Modality: debit only
Flag: Visa
Annual fee: zero
To get the card: be 18 years old and have a smartphone
Account cost: zero. Has a linked digital account
Loyalty program: none
Intermediate
Modality: debit and credit