Porto Seguro credit card: An everyday companion, the credit card is a very popular means of payment due to its practicality and ease of use.

With a varied number of credit cards available, choosing between all the card offers can quickly become complicated, especially with the arrival of digital accounts.

Porto Seguro International credit card

The Porto Seguro International credit card offers advantages, discounts and more security

With the Visa Flag, the company has various benefits, such as travel assistance, emergency services and the Vai de Visa program to enjoy discounts and offers at various institutions.

With Mastercard, you also get a range of benefits through the brand. Such as discounts and offers at various institutions.

For every dollar you spend, you earn 1 point which you can redeem for miles in the best programs such as: Smiles, LATAM PASS and Tudo Azul.

It also offers discounts on insurance, products and services from partner stores for your home and car, such as Porto Seguro Auto, Centro Automotivo Porto Seguro and much more.

Does the porto Seguro credit card have an annual fee?

The Porto Seguro International credit card has an annual fee. However, it is waived for the first year. In the following years, the annual fee may be waived, depending on your monthly expenses. The annual fee is 12x R$26.00 (R$ 312 per year).

Check out the annual fee schedule for the porto seguro international credit card

The card is requested at site from Porto Seguro. Just fill in the form with your details and when you've finished the bank will analyze your proposal.

So how do we choose the card that suits you best? 

Six tips for choosing the right bank card

1. Take your buying habits into account

Choosing the right credit card isn't very complicated: the most important thing is to choose the card that best suits your lifestyle and purchases. A good credit card is one that meets your needs exactly.

For example, if you know you might make a larger unplanned purchase, it would be better to choose a credit card with higher spending limits. Choosing a good card will also allow you to take advantage of benefits such as travel miles, insurance discounts and also great assistance options.

One card that brings a huge number of benefits to its customers is the Porto Seguro International credit card. As well as having an exclusive emergency withdrawal service anywhere in the world, you have one of the best travel assistance insurances anywhere on the planet.  

2. Pay attention to credit card options

Credit cards are not all the same, the options differentiate them and allow each person to choose the credit card best suited to their profile. The options mainly concern the portability of purchases (national, international) and services (insurance and assistance).

When choosing a credit card, it's also important to consider the types of assistance that come with the card. For example, Porto Seguros' international credit card offers travel assistance insurance that provides security for all its customers, regardless of where they are. 

3. Check your credit score

Most major credit cards require you to have good or excellent credit, but there are also cards for people with only "fair" credit and even cards for consumers who have no credit or limited credit history.

Before applying for a credit card, it's useful to know what your credit score is. Take the time to find out your credit score so you know which type of card you should apply for and have a better chance of being approved.

Once you know your credit score, it will be easier to decide which type of card can accept your application. Your score could be

• "Bad" (579 or below) or "reasonable" (580 to 669) : In this case, it may be necessary to apply for a credit card for those who do not yet have a payment history, or even for those who have been denied credit.
• "Good" (670 to 739) : In this case, you have a chance of qualifying for the best credit card offers available today, but you may not qualify for premium cards.
• "Very good" (740 to 799) or "excellent" (800 and above) : In the best possible case, you should be able to qualify for almost all the credit cards you apply for.

If your credit score isn't as good as you'd hoped, you might want to take some time and learn more about how to increase your credit score. Most of the time, the best (and easiest) ways to improve your credit score include paying all your bills early or at least on time and using your credit wisely.

Also remember that every time you apply for a new credit card, you will face a lot of pressure on your credit report, which will temporarily lower your credit score and remain on your credit report for two years.

Having several applications in a short period of time can jeopardize your chances of being approved for cards in the near future.

This means that you should try to limit card applications to only those cards that offer real chances of approval based on your credit profile. 

4. Consider a card that is accepted anywhere in the world 

Choosing a bank card without taking trips abroad into account is not very wise. International credit cards are very useful and practical for frequent trips abroad.

For example, an international cardholder benefits from many more insurance services (lost or stolen luggage, trip cancellation, etc.) and travel assistance (medical, repatriation, etc.) for him and his family, as opposed to a national card.

The best way to stay safe is to choose an internationally accepted card that is maintained by a world-renowned company. The Porto Seguro International credit card is undoubtedly the best option for Brazilians who need protection on their travels.

5. Read and compare the insurance and assistance conditions of the cards

The credit card includes many insurance and assistance guarantees. These services vary depending on the type of card. 

Before choosing your credit card, it's very important to find out about the various insurance and assistance services on offer, as some may prove unnecessary, since insurance such as home or car insurance may already have been taken out by other companies. 

For a complete solution, the best solution is to have a credit card from a company that also offers a full range of insurance, such as the Porto Seguro cards. This way, you'll have the best cover for all your needs.

6. Check the limits before choosing a credit card 

Whether for withdrawals debited directly from the bank account, payments or overdrafts, banks set a maximum amount not to be exceeded per month depending on the financial situation and relationship with the bank. Please note that the limits set by banks can be temporarily modified with some payment cards that offer this service. Once again, be sure to read the conditions of sale of bank cards before making your choice.

Conclusion

Choosing a credit card can take a lot of time and research, but remember that only with a good analysis can you choose a credit card that is best for your lifestyle.

In order to always have a good offer of cards that can be applied for, maintaining a good credit score is essential.

The biggest reason for rejection is a low credit score. To avoid this problem, take a look at our professional tips for raising your credit score.