Itaú Personnalité World Legend Mastercard × Santander Unlimited Mastercard Black
Itaú Personnalité World Legend Mastercard or Santander Unlimited Mastercard Black? See the full side-by-side comparison, with Radar Score by criterion.
A head-to-head between Itaú Personnalité World Legend Mastercard (Itaú, Radar Score 8.5) and Santander Unlimited Mastercard Black (Santander, Radar Score 8.5). They tie on the overall Radar Score: the Itaú Personnalité World Legend Mastercard shines in VIP lounges and the Santander Unlimited Mastercard Black in Travel benefits. See the criterion-by-criterion comparison below — annual fee, points earning and transfer programs — to decide which one is worth more for your profile.
| Itaú Personnalité World Legend Mastercard | Santander Unlimited Mastercard Black | |
|---|---|---|
| Issuer | Itaú | Santander |
| Network | World Legend | Mastercard Black |
| Annual fee | R$ 4,000 per year, charged in 12 monthly installments (approx. R$ 333.33), starting after card activation. | The annual fee is shown in 12 monthly installments (on the official page, around R$183.33/month); specialized sources cite values between roughly R$1,290 and R$2,200 per year. Confirm the current amount at the time of application. |
| Points (domestic) | 4,5 pts/US$ | 2,6 a 3 pts/US$ |
| Points (international) | 5,0 pts/US$ | 3,6 pts/US$ |
| Transfers to | LATAM Pass, Smiles, Azul Fidelidade, TAP Miles&Go | Esfera, LATAM Pass, Smiles, Azul Fidelidade, Livelo |
| Points earning | 8.0 | 8.0 |
| Transfer flexibility | 7.0 | 8.0 |
| Travel benefits | 9.0 | 9.0 |
| VIP lounges | 10.0 | 9.0 |
| Waiver ease | 4.0 | 5.0 |
| Value for money | 6.0 | 7.0 |
| General benefits | 9.0 | 9.0 |
| Radar Score | 8.5 | 8.5 |
Verdict
Itaú Personnalité World Legend Mastercard wins in: VIP lounges.
Santander Unlimited Mastercard Black wins in: Transfer flexibility, Waiver ease, Value for money.
🏆 By Radar Score, it's a tie — the choice depends on your usage profile.