Fógraí
Gerada por humano
Leis na hathruithe le déanaí ar bheartais roinnt cártaí creidmheasa agus ciorrú na sochar, tá go leor daoine ag lorg roghanna tarraingteacha ar an margadh. Sa chás seo, seasann cártaí creidmheasa na gcomharchumann amach.
Roghnaíomar agus rinneamar anailís ar na trí chárta creidmheasa comharchumainn is fearr atá ar fáil faoi láthair. Is iad sin: Sicredi Visa Infinite, Unicred Visa Infinite agus Sicoob Mastercard Black Merit.
Fógraí
Pointí
Ar an meán, tugann na cártaí creidmheasa is fearr do dhaoine ar ioncam ard idir 4 agus 7 bpointe ar ais in aghaidh an dollar a chaitear, ag brath ar an áit a ndéantar an ceannach. De ghnáth, áfach, ní sháraíonn cártaí creidmheasa na gcomharchumann 2.5 pointe in aghaidh an dollar a chaitear. Le déanaí, sheol Sicredi a Visa Infinite nua, a thairgeann 3 phointe in aghaidh an dollar – rogha den scoth! Mar sin féin, tá go leor le feabhsú fós ag na cártaí eile a ndearnadh measúnú orthu sa ghné seo.
Rochtain ar Sheomraí VIP
Tá comharchumainn chreidmheasa gan sárú maidir le rochtain ar Sheomraí VIP. Cuireann Sicredi agus Unicred araon rochtain neamhtheoranta ar na cláir LoungeKey agus Dragon Pass ar fáil.
Sicoob’s card, on the other hand, only provides access to LoungeKey lounges. In any case, all these options ensure excellent coverage of VIP lounges around the world.
Annual fee
Regarding the annual fee, the average among these cards is R$800 per year, and 50% of this amount may be charged for additional cards.
However, each branch has its own charging policy and may possibly offer discounts or benefits in exchange for partial or total exemption from this fee.
Foreign exchange markup
The issue of the spread, the markup charged by banks on foreign exchange transactions, is also an important aspect to consider. The Unicred Visa Infinite and Sicoob Mastercard Black Merit cards do not charge a spread.
Sicredi Visa Infinite, on the other hand, charges a 1% spread, well below the average of 5.8% charged by the main cards on the market.
Overall Analysis
After analysis, it can be seen that Sicredi Visa Infinite is the card offering the best benefits and terms. However, these terms may vary depending on the cooperative’s branch and it is always advisable to check which is the best option for each individual.
I gcás daoine eile, d’fhéadfadh an Unicred Visa Infinite agus an Sicoob Mastercard Black Merit a bheith ina roghanna níos tarraingtí.
Mar achoimre, tá sé tábhachtach a mheabhrú gur anailís ghinearálta í seo agus go bhféadfadh sé nach mbeadh sí infheidhme i ngach cás. Chun measúnú níos fearr a dhéanamh ar do staid airgeadais, moltar comhairle phearsantaithe a lorg ó do bhainisteoir cuntais nó ó chomhairleoir airgeadais.
Íomhá: https://pixabay.com/ stevepb
