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With recent changes in policies in several credit cards and the cut in benefits, many people are looking for attractive alternatives in the market. In this scenario, credit cards from cooperatives stand out.
We have selected and analyzed the three best cooperative credit cards currently available. They are: Sicredi Visa Infinite, Unicred Visa Infinite and the Sicoob Mastercard Black Merit.
Scoring
On average, the best high-income credit cards on the market return between 4 and 7 points per dollar spent, depending on where the purchase is made. Credit cards from credit unions, however, usually do not exceed the 2.5 points per dollar spent mark. Sicredi recently launched its new Visa Infinite, which offers 3 points per dollar – an excellent option! However, the other cards evaluated still have a lot of room for improvement in this regard.
Access to VIP Lounges
Credit unions are unbeatable when it comes to access to VIP lounges. Both Sicredi and Unicred offer unlimited access to the LoungeKey and Dragon Pass programs.
The Sicoob card only allows access to LoungeKey lounges. In any case, all these options guarantee great coverage to VIP lounges around the world.
Annuity
As for the annual fee, the average for these cards is R$1,400,800 per year, and there may be a charge of R$5,000,800 of this amount for additional cards.
However, each agency has its own charging policy and may offer discounts or compensation for partial or total exemption from this fee.
Spread
The issue of spread, the premium charged by banks on foreign exchange transactions, is also an important aspect to be considered. The Unicred Visa Infinite card and the Sicoob Mastercard Black Merit do not charge a spread.
Sicredi Visa Infinite charges a spread of 1%, well below the average of 5.8% charged by the main cards on the market.
General Analysis
After analysis, it is found that the Sicredi Visa Infinite is the card that offers the best benefits and conditions. However, these conditions may vary depending on the cooperative's branch and It is always advisable to check which option is best for each individual.
For others, the Unicred Visa Infinite and the Sicoob Mastercard Black Merit may be more attractive options.
In short, it is important to remember that this analysis is general and may not apply to all cases. For a better assessment of your financial situation, it is recommended to seek personalized guidance from your account manager or financial advisor.
Image: https://pixabay.com/stevepb
