Unicred Mastercard Black × Santander American Express The Platinum Card
Unicred Mastercard Black or Santander American Express The Platinum Card? See the full side-by-side comparison, with Radar Score by criterion.
A head-to-head between Unicred Mastercard Black (Unicred, Radar Score 7.3) and Santander American Express The Platinum Card (Santander, Radar Score 7.2). The Unicred Mastercard Black leads the overall Radar Score, while the Santander American Express The Platinum Card stands out in Transfer flexibility. See the criterion-by-criterion comparison below — annual fee, points earning and transfer programs — to decide which one is worth more for your profile.
| Unicred Mastercard Black | Santander American Express The Platinum Card | |
|---|---|---|
| Issuer | Unicred | Santander |
| Network | Mastercard Black | American Express |
| Annual fee | Approximately R$ 750 per year, varying by cooperative (sources cite R$ 750 to R$ 1,400), usually payable in up to 12 installments. | R$ 1,449.96 per year (12x R$ 120.83) |
| Points (domestic) | 2,2 pts/US$ | 2,2 pts/US$ |
| Points (international) | 2,2 pts/US$ | 2,2 pts/US$ |
| Transfers to | Livelo, LATAM Pass, Smiles, Azul Fidelidade | Esfera, LATAM Pass, Smiles, Azul Fidelidade |
| Points earning | 6.0 | 7.0 |
| Transfer flexibility | 7.0 | 8.0 |
| Travel benefits | 8.0 | 8.0 |
| VIP lounges | 9.0 | 6.0 |
| Waiver ease | 6.0 | 2.0 |
| Value for money | 7.0 | 5.0 |
| General benefits | 7.0 | 8.0 |
| Radar Score | 7.3 | 7.2 |
Verdict
Unicred Mastercard Black wins in: VIP lounges, Waiver ease, Value for money.
Santander American Express The Platinum Card wins in: Points earning, Transfer flexibility, General benefits.
🏆 By Radar Score, the Unicred Mastercard Black has the overall edge (7.3 vs 7.2).