If you're just starting out in the world of credit cards, choosing the best card with no annual fee can seem complicated. But relax, I'm going to show you why the Inter Gold credit card is an excellent choice for those looking for headache-free benefits. I'm going to cover everything from the main fees to the rewards programs. So stay with me and learn all about the strengths of this card that only has advantages!
Main Benefits of the Inter Gold Credit Card
The Inter Gold credit card is known for its advantages that make life easier for users. Shall we take a look at the main ones?
No annual fee
One of the great attractions of this card is that there is no annual fee. That's right, you pay nothing to use it. Many cards out there still charge monthly fees, but Inter Gold gives you this financial freedom.
Cash back on purchases
With every purchase you make, a small percentage of the amount spent is returned to you. This is the famous cashback, which with Inter Gold can be as much as 0.25%. Doesn't sound like much? But believe me, it adds up over the course of the month!
Points Program
With the Inter Gold credit card, you participate in the Mastercard Surpreenda program. Each purchase earns points that can be exchanged for various partner products and services. So, as well as using the card for your daily needs, you can also accumulate points for other advantages.
Ideal profile for the Inter Gold Credit Card
Could Inter Gold credit card is it for you? Let's find out together, as there are several profiles that benefit from this card!
People with their own businesses
If you are an Individual Microentrepreneur (MEI) or work as a self-employed person, this card is ideal. It makes it easier to manage expenses and also offers a good credit limit, perfect for those starting a business.
Those Looking for Better Cashbacks
Do you like shopping and always want the best return? Inter Gold cashback will be your best friend. With every purchase, you get back part of the amount you spend, which you can use to write off on your next bill or for new purchases.
People with Difficulty Approving Credit
Having trouble getting approved at other banks? At Banco Inter, credit card approval is much more affordable. What's more, you don't need to prove a fixed monthly income to apply.
Inter Gold Credit Card Rates and Fees
Shall we talk about values? Knowing the rates and fees is essential before deciding which card to apply for.
Revolving interest
The Inter Gold credit card offers revolving interest rates of up to 5.82% per month. This is a competitive rate in today's market.
Invoice installments
If you need to pay your bill in installments, the rate is up to 3.67% per month. Again, a rate that stands out against many competitors.
Annuity and Other Fees
The annual fee, as we've already mentioned, is zero. That's right! And the other fees follow the same line of not weighing on your pocket, making Inter Gold extremely affordable and advantageous.
Additional Rewards and Benefits
In addition to low rates and cashback, the Inter Gold credit card offers several other benefits that you need to know about.
Integrated with Digital Payments
The Inter Gold card is compatible with Google Pay and Samsung Pay, making your purchases even easier, whether online or in physical establishments.
Insurance and guarantees
The card offers an extended warranty on products purchased with it and also the guaranteed lowest price, giving you security in your purchases.
Discounts in Partner Shops
With Inter Gold, you can also take advantage of a range of discounts in partner stores. From technology and services to clothing, there's always an attractive promotion.
Advantages and Disadvantages of the Inter Gold Credit Card
As nothing is perfect, it's only fair to present the pros and cons of this card for a complete overview.
Advantages
- No annual fee, ideal for saving
- Cashback on all purchases
- High frequency of promotions with partners
- Points program through Mastercard Surpreenda
Disadvantages
- No specific miles program
- Due dates for post-dated invoices
- Credit cards cannot be requested when opening a digital account
Conclusion
Choosing the right credit card can seem complicated, but the Inter Gold credit card has a number of benefits that make it a highly attractive option. With no annual fee, cashback and a robust points program, it offers an excellent solution for different consumer profiles. If you need a card that offers advantages for both personal purchases and business management, Inter Gold is worth considering.
Frequently Asked Questions
Does the Inter Gold credit card offer miles?
No, the Inter Gold credit card doesn't have a specific miles program, but it does offer cashback and points in the Mastercard Surpreenda program.
Is it possible to apply for an Inter Gold credit card when opening a digital account?
No, a credit card cannot be requested when opening a digital account, but it can be requested later once the account has been approved.
What is the extended warranty offered by the Inter Gold card?
The extended warranty is an insurance policy that extends the original warranty on products purchased with the Inter Gold card, offering more security for your purchases.
What is the advantage of the cashback offered by the Inter Gold card?
Cashback returns a percentage of the amount spent on each purchase, which can be used to write off the next bill or for new purchases.
What are the fees for payment in installments on the Inter Gold card?
The rate for bill installments is up to 3.67% per month, making this a viable option in case of need.
Which digital payment systems is the Inter Gold credit card compatible with?
The Inter Gold card is compatible with Google Pay and Samsung Pay, making it easier to make purchases both online and in physical establishments.
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