online shopping They had an increase in recent times due to their comfort, safety and practicality, especially with the arrival of the pandemic that increased online sales and purchases. Therefore, we want to show you what are the digital credit cards most sought after by users.
The virtual banks They have increased in an unusual way internationally, since it offers its clients services at a low cost and easy to consume. Definitely not paying commissions is a great advantage.
others of his benefits are free issuance, zero annuity, customer service via digital application in real time, payments for plastic approximation, among others.
However, it is necessary to be aware of all the details, such as the percentage of the interest rate, conditions and offers of the financial product. But, if this does not convince you, do not forget that through social networks, it is possible to know the opinions of new and old clients.
Next, I present the most sought-after digital cards in the e-banks.
Ranking: Best digital credit cards
1. N26 card
A card of the first digital cards in being recognized by the financial market is associated with Mastercard with international coverage without charging commissions to make online payments. In addition, it was listed as one of the best digital banks according to Forbes magazine.
With the card you can withdraw cash at any ATM in the area, pay odds in 53 different currencies without extra fees and send or receive transfers without hidden taxes.
For open an N26 account, 100% free of opening and maintenance commissions, you only need to have a smartphone to download the application and thus be able to fill out the virtual form from the platform.
Requirements:
- Be at least 18 years old.
- Present your official identity with photo.
- Possess a compatible mobile phone.
Benefits of N26:
- Download the app and register in a few minutes.
- 100% mobile, goodbye to paperwork and branches.
- Notifications via cell phone.
- It has a financial manager that records all the activities in the virtual bank.
- It contains an automatic categorization of account movements.
- Download bank statements in CVS and PDF.
2. bnext card
Another of the first fintech in the world was the Bnext of Spanish origin with more than 400k users, which makes it easier for its clients to control their money in order to live in a free way, simple and intelligent through rewards and other digital functionalities that can be acquired through the Bnext app.
No fine print in the contract and with a 24 hour support that is staffed by real people. That is, 100% custom.
Requirements:
- You have to be of legal age.
- Have a phone number from Spain.
- Provide as documentation DNI or NIE with photo. At the moment it is not possible to open an account with a passport.
Benefits:
- Work with the buying and selling of the most famous cryptocurrencies on the market.
- You have free money withdrawals per month. However, from 500 euros a commission of 1.4% is applied.
- Its flag and associate of programs is VISA.
- The virtual card number will always be different from your physical card and you can block as many times as necessary.
- Get refunds directly with the purchase, using the credit card.
3. NuBank Card
Now we are talking about one of the most requested credit cards at international level, known as the purple card.
To issue the NuBank you only need 3 minutes from the digital application or web page, where you can choose the payment deadline, defer your purchases through a fixed rate, accumulate points for Nubank Rewards, advance monthly payments, among other incredible features using artificial intelligence.
The Nu card will arrive by parcel at your address in a maximum of 5 business days, from the creation of your profile in the app.
Take into account that you will be able to start using your virtual card before receiving the physical card, since it will be activated around 24 hours after your approval. The virtual card is designed to make your online purchases more secure.
Requirements:
- You need to have a Mexican, Colombian or Brazilian ID and nationality.
- Present your INE if you are a foreigner or resident card.
- Federal Taxpayer Registry.
NuBank Benefits:
- 24-hour service for emergency situations.
- Mastercard and Rewards points system.
- Special offers.
- There are no charges for the maintenance of the annual card.
- Service via App, fast and efficient.
- International credit card that has at the same time the debit function.
- Payments can be made by approximation.
Advantages of having a virtual credit card
● Agile opening process and 100% online. It is much easier and friendlier to get a credit card through these technology companies. They involve little documentation and, of course, no branch visits.
● They do not charge commissions. Virtual banks that have a digital credit card are characterized by not charging commissions. Although there are also exceptions, for this reason, we highly recommend reviewing the conditions in detail before hiring.
● Best digital platforms. Much friendlier and more intuitive than most banks.
● They can be your first credit card, since these types of banks are much more willing and have designed products even for people with no credit history.
● Best service. Fintech companies offer more efficient customer service. This from more comfortable channels for clients such as Whatsapp, Facebook, Twitter and much more focused on satisfying the needs of users.
● Safety. We think it's definitely safe to get a card with any of these new companies. What you have to take care of is always doing it through its official channels.