The IQ360 is a credit card comparator. The online simulator has data from more than one hundred Brazilian cards, three flags and 14 financial institutions. Among them are digital cards, such as Nubank, Neon and Next and from physical banks, such as Santander, Ita, Bradesco and many other borders. It is possible to filter the options according to the preferences, income and objectives of the users to identify which card brings the best cost or the best attractions for each person.
Financial companies still have several benefits linked to credit cards, such as the accumulation of air miles, points that can be exchanged for online purchases, cashback or even free annuity. See below how to use the IQ360 online simulator and choose the best card for you.
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Online simulator compares credit cards to discover ideal plan for user Photo: Pond5
Step 1. Access the IQ360 website (iq360.br) and click on "Cartes" in the top menu;
IQ360 is a startup focused on financial solutions Photo: Reproduo / Clara Barreto
Step 2. Select the "Card Comparator" option;
The startup developed a solution to find the best credit card option Photo: Reproduo / Clara Barreto
Step 3. Now that you have reached the simulator, press "Start";
To access the credit card comparator, visit the IQ360 website Photo: Reproduo / Clara Barreto
Step 4. Answer your approximate monthly income by dragging the ball and then click on "Next". Answer the next question (how much do you usually spend on a credit card) in the same way and move on;
The simulator's questions take you to the credit card that best fits your economic profile Photo: Reproduo / Clara Barreto
Step 5. Select the benefits that most interest you in a credit card;
In addition to questions about your finances, the site filters by your preferences for benefits offered by the institutions. Photo: Reproduction / Clara Barreto
Step 6. You can add information about your current card in the comparison, just select "Yes! I want to compare" and proceed. If not, select "no" and proceed;
The comparator also allows you to include your current card in the simulation Photo: Reproduction / Clara Barreto
Step 7. For those who want to compare the current credit card, just enter the name of the card in the search field and select "advance";
The website collects data from more than 100 cards of different flags and financial institutions Photo: Reproduo / Clara Barreto
Step 8. The last question is related to your financial situation. Select the option that best suits you and proceed;
Its history is an important step in the decision of the card Photo: Reproduction / Clara Barreto
Step 9. Enter your name and email, or sign in with Facebook to get the final result;
The only personal data that the site asks for are name and email; it is also possible to access with Facebook Photo: Reproduction / Clara Barreto
Step 10. Ready. The simulator selected the best card for your financial situation together with your preferences;
The ideal card appears next to your current card in the comparison, indicating which would be the best choice Photo: Reproduo / Clara Barreto
Step 11. When you go down the page you can see the details of the card that was chosen by the comparison;
The benefits you selected appear in the expected return count Photo: Reproduction / Clara Barreto
Step 12. As you continue to scroll down the page, you will see, in order, what your other options would be and their details when clicking on each one. Every time the miles or discounts are reset, it means that these cards do not accumulate this type of point.
When the annuity is zeroed because the card has no fee payment. The expectation of returning the balance between how much miles you accumulate plus the discount on the card when you subtract these annuity amounts.
The expectation of return calculates what you would spend with annuity with what you would earn in miles and discounts Photo: Reproduo / Clara Barreto