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